The federal government is cracking down on three alleged mortgage relief scams that promise to help cash-strapped borrowers hold onto their homes while delivering little help and driving them deeper into debt.

Prime Legal Plans, American Mortgage Consulting Group, and Expense Management America have lured homeowners with promises ranging from representing them in court to negotiating with lenders on their behalf, according to the Federal Trade Commission in separate lawsuits filed recently in Florida, California and Ohio, the agency announced Tuesday.

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