Susan and Bob are homeowners. After Bob lost his job, they have had trouble paying the bills, and ...

Susan and Bob are homeowners. After Bob lost his job, they have had trouble paying the bills, and their home is going into foreclosure. In desperation, they make a connection online with a company that promises to help them avoid foreclosure, for a fee. After some time, Susan and Bob's home goes in to foreclosure. When they investigate, they find that this company only did some very minor things such as calling the bank to check the status of the foreclosure, yet little else. This is an example of ________ fraud.
 
  A) bailout
  B) bait and switch
  C) phantom help
  D) Ponzi scheme
  E) real estate