Maybe you could post this letter with the name XXXed out before the realtor gets too excited.
We have all heard about loan rework outfits fishing for business with creative direct mail presentations. The OP’s example sounds exactly like one of those letters.
I disagreed with the realtor that this was happening a lot, its not and we all know it.
If it was happening in mass occurances we’d all know about it and not thru a friends, friend got a letter and I heard it says blank-blank stories or lame pump monkey tactics.