Georgia Court Voids Home Saver 911 Contracts After AG Says Homeowners Seeking Foreclosure Help Unknowingly Signed Away Their Homes

Published Nov. 10, 2026. Case status is current as of that date.

Homeowners facing foreclosure signed up for what they thought was a loan program to save their homes. According to Georgia Attorney General Chris Carr, many of them did not know that the paperwork also transferred title to their homes to the company. On Nov. 9, 2026, Carr announced that a Fulton County Superior Court judge had approved a Final Consent Judgment on Nov. 6, 2026, against Home Saver 911 LLC and Flex Financial 911, giving relief to more than 70 Georgia homeowners [1].

What this is (and isn't): This is a civil consumer-protection case, not a criminal prosecution. The AG's release describes the company's conduct as "allegations" from the original complaint, and it does not say the company admitted wrongdoing. No criminal charges are mentioned [1].

What the state alleged

Carr sued in 2025. The AG's release refers to "the original complaint from September 2025"; the Atlanta Journal-Constitution reported that the lawsuit was filed Aug. 27, 2025, in Fulton County Superior Court against Atlanta-based Home Saver 911 and individuals associated with it [2]. The Nov. 9 release names only the two companies, and it does not say how the judgment applies to any individual defendant, so we do not name individuals here.

According to the AG, the complaint alleged that [1]:

• Home Saver 911 used "unfair and deceptive high-pressure sales practices" to get consumers to sign documents for personal loans.
• "Unbeknownst to consumers, title ended up being transferred to the defendants."
• Consumers were not told that a transfer of title to their primary residence would come with the loan.

The AJC reported that, according to the complaint, the company reached homeowners through door-to-door sales, cold calls, postcards, emails and social media, targeted people it knew were at risk of foreclosure, and promised to stop the foreclosure, reinstate the mortgage and make payments for up to 12 months [2].

What the court order requires

According to the AG's summary of the Final Consent Judgment [1]:

• All contracts consumers signed with Home Saver 911 and Flex Financial 911 are unenforceable, and the companies cannot pursue anyone for money paid to or on behalf of consumers.
• Title to all properties still in the companies' names must be returned to the consumer by Nov. 20, 2026.
• Consumers who lost their home to foreclosure may apply for surplus funds, and the companies may not apply for those funds.
• Both companies are permanently barred from residential real estate transactions in Georgia.

Carr said: "Owning a home is part of the American dream, and no one should see that dream ripped away by scams and predatory practices" [1].

We did not find a public response from the companies. If one is provided, we will add it.

Why foreclosure "rescue" offers are risky

People behind on a mortgage are under pressure, often getting dozens of letters and calls. A pitch that promises to make the payments and stop the sale can sound like a lifeline. The danger, as this case illustrates, is in the paperwork: a document that looks like a loan agreement can include a deed or other transfer of ownership. Once title moves, the homeowner may become a tenant in their own home, or lose it entirely.

Red flags

General warning signs, not claims about any company beyond what the AG alleges:

• A company that contacts you first after learning you are behind on your mortgage.
• Promises to stop foreclosure, guaranteed, or to make your payments for months.
• Pressure to sign quickly, or at your door, without time to read or get advice.
• Any document that mentions a deed, quitclaim, warranty deed, or "transfer of title," or asks you to sign before a notary for a "loan."
• Upfront fees for foreclosure help, or instructions to stop talking to your lender.

What to do if you're targeted

• Call your mortgage servicer directly and ask about repayment plans, forbearance or a loan modification.
• Get free help from a HUD-approved housing counselor: call (800) 569-4287 or search at hud.gov.
• Never sign a deed or any document transferring ownership unless your own lawyer has reviewed it.
• Check your property record at your county's deed office or website to confirm you still hold title.
• If you dealt with Home Saver 911 or Flex Financial 911 in Georgia, contact the Georgia Attorney General's Consumer Protection Division at consumer.georgia.gov about the Nov. 20 title-return deadline.
• Report foreclosure rescue scams to your state attorney general and the FTC at ReportFraud.ftc.gov.

Case status (as of Nov. 10, 2026)

Subject	Court	Status	Source
Home Saver 911 LLC	Fulton County Superior Court, Ga.	Civil suit by Ga. AG (2025; filed Aug. 27 per AJC, "September 2025" complaint per AG); Final Consent Judgment approved Nov. 6, 2026: contracts unenforceable, titles to be returned by Nov. 20, 2026, permanent bar from Ga. residential real estate	[1], [2]
Flex Financial 911	Same	Covered by the same Final Consent Judgment, per AG	[1]

Statuses can change. The AG release does not give a case number or address any individual defendants.

Sources

1. Georgia Attorney General, "Carr Secures Court Order Terminating All Georgia Contracts with Home Saver 911," Nov. 9, 2026. https://law.georgia.gov/press-releases/2026-11-09/carr-secures-court-order-terminating-all-georgia-contracts-home-saver-911
2. Matt Reynolds, "Georgia AG Chris Carr accuses Atlanta company of foreclosure scam," Atlanta Journal-Constitution, Sept. 9, 2025. https://www.ajc.com/news/2025/09/georgia-ag-chris-carr-accuses-atlanta-company-of-foreclosure-scam/

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