11/24/2009:
I got a similar text from the ones described above. I responded by asking them "How did you get my number?" I hope I wasn't supposed to respond...
I got two spam text messages Thanksgiving week that said: "Dear homeowner, if you are struggling to make your mortgage payment or have a recent hardship, a modification can help. Would you like to learn more about this?" They both were from the 323 area code.