I just got this solicitation. A piece of junk mail gone totally wrong:

We have some good news. Although it has taken some time, our brokers have found 0 companys that are willing to refinance your mortgage. Please note that this is a time sensitive situation, take one moment and follow link and we will be in touch shortly.

Sincerely,
Margret Garrison

I hope it's time sensitive. Someone has to want to give me money.