Honeymay is straight up

While driving home listening to the radio, an ad came on with a woman pretending to be talking to her phone. (Paraphrased)
Phone: "I've been listening to your problems. Your financial problems."
Lady: "Who is this? You have?"
Phone: "This is your phone. I listen to everything you say. What you need to do is call Honeymay, and they'll help you out."
Lady: "How is this possible?"
Phone: "They offer mortgage services to get money out of your home to pay off debts and bills. They basically turn your house into a bank." (The bold statement is an actual quote!)
All these mortgage companies seem to tout that people are just 'unlocking' their 'trapped' equity. This would be like credit card companies multiplying your credit limit and saying you've discovered a new debt ceiling. It couldn't be that illegal since the government is going to do it to itself.

Everyone needs to start being calm and become financially responsible.