A Delray Beach real estate company has filed for bankruptcy protection from creditors following lawsuits by six states over what the Florida Attorney General called “deceptive, unfair and unconscionable business practices.” MV Realty came under fire for its “Homeowner Benefit Program” in which homeowners are offered upfront cash, between $300 and $5,000 depending on their home’s value, with no interest or fees. In exchange, the homeowner is required to sign a contract pledging to use MV Realty if they decide to sell their home at any time over the next 40 years. If another real estate company is used, if the home is foreclosed upon, or if owners want to cancel the deal, the homeowner must pay MV Realty 3% of the home’s value, the contract requires.