January 31, 2015

A Knockout Punch for Washington Homeowners

knockout punchThe housing collapse is moving into its 7th year.  It is taking with it many financial casualties by forcing people into to foreclosure, short sales and signing their homes back over to the bank. Chances are that you or someone you care about has or is currently dealing with it.

Many of those families have started to restructure their financial foundation with new jobs or lowered expenses. Some have started to accumulate savings again and pay off debt. Their overall belief is that they put a bad situation behind them and are able to look forward again.

Sorry, not so fast…

Debt collectors, banks and more importantly Fannie Mae and Freddie Mac may be coming after you to settle up your past debts. That has come as a shock to those who thought they had dealt with the consequences and the financial hardship so they could finally move on with their lives.

All of possible aftermath issues stem from one issue. Deficiencies.  If you didn’t negotiate the proper terms in a short sale or deed in lieu of foreclosure or if the foreclosure didn’t fall under the correct statute, you could be a target.  If any of these entities do come after you for a deficiency, they have the legal right to seize bank accounts, force the sale of assets and even garnish up to 25% of your wages. It is a serious situation and will be another huge setback for those affected.

In 34 states, a foreclosure comes with a deficiency judgment. That means that your lender/servicer/guarantor or the beneficiary of your loan has the right to come after you later for the money they lost on your deal. Depending on state law, they can chase you for years or even decades.

The banks, investors and guaranteeing agencies like Fannie Mae, Freddie Mac and FHA have absorbed over $1 Trillion in losses. Do you really expect them to sit back and not try to collect what they can?  Not a chance.

We here in Washington are much better off than many other states. We have protections that either eliminate or make it much harder for you to be pursued for even more of your hard earned money.  Here is some specific information that Washington homeowners need to know.

I thought Washington is a non-recourse state and they couldn’t come after me?

That is mostly true but there is more to the story.  The devil is in the details,  Lawyers = Details.

If your house was foreclosed in a non-judicial foreclosure -

Non-Judicial means you didn’t have to go to court. This is overwhelmingly the case here in Washington. State statue says that the foreclosing party cannot come after you for any of the money they lost if they use the non-judicial foreclosure method in getting your house.  There is very little chance of a judicial foreclosure here in Washington because it is easier, faster and cheaper for the banks to use the non-judicial foreclosure method.  Think of it as more of an administrative process.

That means if you only had one loan on your house and your house was foreclosed, you are in the clear. You are not going to get a letter in the mail that says you owe a huge amount of money. Take a deep breath.  Well, sort of…

You are going to get a 1099-C for the amount of money the bank lost on the deal and it may mean you are liable and must pay income taxes on that loss. There are exceptions and exemptions, your tax preparer can help you with that and planning ahead could pay huge dividends for you at tax time.

If your house was foreclosed and you also had a 2nd mortgage -

It means that your house was foreclosed by the primary lender. The rules described above apply. That lender has to take the loss but the 2nd mortgage lender does not. Their loan became an unsecured loan by virtue of the loss of value in the collateral (the property).   Even if both of your loans were with the same lender, it doesn’t matter. You will have to deal with that 2nd mortgage at some point.

So what happens now? 

The 2nd mortgage lender will treat the entire amount like an unpaid credit card and eventually they will come after. We haven’t seen too much of this yet because they have 6 years in Washington to do it.  They are patiently waiting for people to get back on their feet before they make their move. Many of these debts have been sold to collection companies so they will be the ones to come after you. The only way these debts will go away forever is with a bankruptcy or a settlement with the creditor.   For bankruptcy information, contact a bankruptcy attorney or call us for a referral to a good one.

We have settled many lingering 2nd mortgage debts for our clients for far less than you would expect.   Our experience shows that if handled properly, banks and collection companies will settle.   If you settle your debt for less than is owed, you will possibly have that same tax issue we talked about earlier. You could be taxed on the debt the bank forgave in the settlement of the 2nd mortgage.

I did a short sale on my house so I am off the hook, right? 

Not necessarily.

The foreclosure exemption does not extend to short sales. The only way you are going to get out of a deficiency with a short sale is if it is written into the agreement you signed with the bank to sell the house.

In most cases, your real estate agent or whoever negotiated your short sale made sure that the proper verbiage was included in the agreement. For your own peace of mind, go back and double check this. If you have doubts about the way it is written, call your agent or see an attorney. If for some reason you have left yourself open to a deficiency, you have some work to do. It is not a matter of if they will come after you, but when.

I did a short sale and I had a 2nd mortgage too –

Again there is no automatic release of liability in a short sale. It must be included in the agreement you signed. Make sure that the wording is in there and it is clear that there is no remaining deficiency on the 2nd mortgage.

I signed my house back over to my bank with a Deed in Lieu of Foreclosure – 

A deed in lieu of foreclosure acts like a short sale in that the state statute does not exempt you from a deficiency. You need to make sure that your liability has been removed in the agreement. In most cases has been, but we have seen cases where the banks have reserved the right to come after you for a deficiency later. It is our belief that if they have reserved this right for themselves, eventually they will come after you or sell that right to someone else.

This all seems unfair that the banks which are making billions of dollars in profits, keep coming back to get paid again and again for loans that went bad in the housing collapse. As homeowners, this is what we signed up for when we took out a mortgage. Most of us didn’t anticipate the housing collapse and the economy crashing. We felt that we had to take a risk or be left out of the housing market forever. In hindsight, maybe it was a mistake on our part, it doesn’t matter now. We have to move forward.

When you decided on the solution you took or will take in the future, ideally someone told you all of this so that you could prepare yourself and you now have closure. Hopefully you will never have to deal with being chased for more money on a problem that you thought was long since settled.

If for any reason you have left yourself open, you still have some good, workable solutions available to you. There are effective ways to mitigate the future financial damage but you need to take some action. Unfortunately, the resources that are available are not centralized. You have to understand what is possible before you know who to call for the solution.

Call us for a free 15 minute phone consultation to discuss your particular situation. We’ll explain where you’re at and help you plan your next step. If you need a referral to an attorney, real estate or tax professional, we’ll tell you who can help you and put you in touch with them.

Call us at 425-259-2600 to schedule your free phone consultation.

No Cost.  No Obligation.

Howard Bono is the Founder of the Financial Revival Group (FRGI).   FRGI is a local company with expertise in all areas of dealing with underwater mortgages.  The group consists professionals in every arena necessary to help you get the proper information and strategies so you can move on with your life.  Whether you want to keep your house or let it go, we have solutions and proven plans to get you there.  Every day we do things for people that they didn’t think were possible. You could be next, with a free phone call.

Why You Have to do Some Inside Work This Summer.

wet socks and sandalsSummer in the Northwest is really great.  We are all excited and rush to get outside without having to wear fleece or socks with your sandals.  (No, I don’t wear socks with sandals, ever!) We try to cram in as many outdoor activities and barbeques as we can into those few short weeks of warm dry weather.  We also tend to put off indoor activities in the summer time because that shiny orb in the sky keeps drawing us out the door.

This year many people in our area just cannot do that.  They will have to spend some time dealing with the solutions for their underwater house.  Those that put this on the back burner until the weather turns could be setting themselves up for financial failure.  Our experience in helping underwater homeowners says that dealing with this early on will make your summer much more enjoyable.

Why is this so important right now? 

We heard lots of predictions from the “experts” and the sales groups that promote housing tell us that the spring buying/selling season will propel the housing market forward.  Now that the numbers show it did not happen, those experts are walking back their predictions of a spring recovery.  If you read between the lines, they are telling us that this housing market is on its last legs.   If you were a bit skeptical of their predictions in the first place, now you know that you were right all along.

If you owe more on your house than it is worth, this is not good news for you.  If you thought you were going to just stick it out until your house values recovered so you could sell it, you are now in the only window you are going to get for many years.  If this is not enough for you, you will have to look for other solutions.  Don’t beat yourself up.  There are over 400,000 people in Western Washington alone that are in the same boat that you are.

So now what do you do? 

Step #1:  Learn what your options are.  Call us for a free 15 minute phone consultation. 

Schedule a session to talk with me directly about what options are available for you and your particular situation.  We have successfully strategized with over 1,500 local underwater homeowners in the past 4 years.  We have helped them get a good night sleep and have eased their emotional burdens.  Oh, and by the way, we have saved our friends and neighbors over $30 Million too.

The session is free and without obligation.  If you want to talk to someone that knows the score and is willing to share this information with you for free, I am your guy.  You can even wear fleece if you like.

Call us at 425-259-2600 or CLICK HERE  to email us.

January Members of the Month – Jim and Meghan

Here is a story about one of our newest graduates..

Jim and Meghan (names changed to protect their anonymity) came to us late in 2012.  They had several issues that they wanted to solve.

  1. They were over $110,000 underwater in their house
  2. They lived over an hour from where either of them worked
  3. They had some credit card debt they wanted to get rid of
  4. They had very little savings
  5. Their financial issues were affecting their relationship

Coming to us was in their words, “A shot in the dark”.  They thought that there were no solutions to help them resolve the combination of issues that were making their lives unbearable.  They had resigned themselves to continue working, getting home late and paying forever on a house they no longer wanted. 

goal accomplishedWe sat down with them to discuss the myriad of different options that they had available to them.  We went through all of their options from stay and keep paying to filing for bankruptcy.  Here is what they decided made the most sense for them.

  1. Stop paying on the mortgage and let it go to foreclosure
  2. Move to a better location for them and rent their house out to a tenant
  3. Use some of the money generated to put into savings and some to pay down debt
  4. Replace the car that needed to be replaced before their credit was damaged

They hired us to coach them through the process.  First we set up the step by step strategy to walk them through their immediate action plan.  Once they moved to a great new place that cut their drive times down considerably, we helped them through finding a tenant and the paperwork involved.  They also bought a different car before their first late payment hit their credit report.  Along the way we made sure their bank could not hassle them by phone and we reviewed all of the written correspondence they received. 

In the more than a year that they kept the house and collected rent, they brought in over $15,000.  That money paid down their debt and created a nice addition to their savings account.  In the meantime Jim found a different job that he loves and pays him more than he was making. 

Now, the house has gone to foreclosure and they cannot be held responsible for any of the loss.  They have no tax issues on it and they have re-centered their lives in the area they want to live in.  We protected the tenants so they did not have to move after the foreclosure.  They have a handle on what little debt they have left and they are loving their lives together again.  They don’t care about their credit because they don’t need it right now.  They want to buy another house but they will wait until the bottom of the housing market in a couple of years.  Their credit will be fine by then. 

Meghan told us…

“It hurts me to even think about where we would be today without you guys.  We are in a position now that if something happens to my job, I could not work for a few years and we would be just fine.  There is no way we could have done any of this without you.”   

There are no identical stories here at the Financial Revival Group because every one of our members has their own unique circumstances and goals.  The outcome here is typical though.  We help people come up and implement a strategy to accomplish what they want to do and…

We have hundreds of success stories like this to prove it.

If you or someone you care about owe more on your house than it is worth.  Take your own “Shot in the dark” to see what is possible for you.  Call us at 425-259-2600 to set up a free 15 minute phone consultation so we can talk about your situation and outline your options. 

Even Suze Orman agrees with us.

In the interest of full disclosure, I am not a Suze Orman fan.  Mostly because I have this severe aversion to being talked down to.  That being said, she is one of the leading media financial advisors in the country.  For over a year now we have been rebutting what the media has been saying about the housing market. The housing market will not hit bottom for several more years and will take a decade or more to recover. 

So what do you do?

Here is what Suze Orman is recommending.  


Remember Rightsizing?

In 1989 a new term hit the vernacular.  Rightsizing.  Remember it?  It is a term that the business community made up to make the process of eliminating tens of thousands of jobs sound better.  The politicians call it spin.  When a country that we are not fond of does it, we call it propaganda.

Do you remember back in that time when businesses realized that they had to cut their costs in order to be competitive?  Some had to do it just to survive.  They did what they had to as a means of survival.  What did Wall Street do as businesses shed expenses?  Read: people.  They rewarded them with higher stock prices and better ratings for their debt.  We may not like it, but from a business perspective, it makes sense. 

So now in today’s world, millions of Americans are in a situation where they need to rightsize their personal finances.   Statistics say that if you are a homeowner and have mortgage on your property, there is a 1 in 3 chance that you owe more on your house than it is worth.   So how do you go about rightsizing your house?  What are you being told?   You are being told that you cannot rightsize without severe penalties.  You are told that you have to go the people you need to rightsize and only utilize the options that are appropriate for them.  You are then told that if you don’t do as they tell you that they will damage your ability to function in the future.  Why are their two sets of rules, one for business and one for us? The truth is that there aren’t. 

When individuals use the rules for business in their personal finances, they typically do better.  So as you look for solutions for your underwater mortgage, ask yourself, what would a business in this situation do?  By the way, every major bank has given property back that was upside down.  They call it returning the asset to its financier.  That is just propaganda. 

If you are serious about getting on with your life and you have the desire to take the most advantageous action available then maybe you should return your asset to its financier.  You won’t find it easy because the banks don’t want you to think that way.  They want you to shut up and keep paying.  So how do you start? 

We are told that we should call the bank and plead for help.  You will be told that you need to be behind on your payments before they can help you.  That is like walking across the field near the end of the game and asking the opposing coach which play to run next.   Then you are told that you have to be behind by 3 touchdowns and they want your playbook too. 

If that solution is not of your liking, there are organizations that provide free advice on the subject.  Guess what, most of those organizations get their funding from the banks and the credit card companies.  You are going to an agent of the opposition.  You have lots of options for dealing with your underwater home and not all of them involve giving it back. 

Do whatever you have to do to protect yourself, your family and your financial future.  There are only a handful of places you can go where you can discuss all of the options you have available to you.   Don’t look at some.  Look at all of your options.  Get several opinions then trust your instincts.  There is life on the other side of this and only those who take action will be the winners.  www.financialrevivalgroup.com

The Strategic Defaulter Next Door

A lot has been discussed recently about people who choose to stop paying on a mortgage.  In our society we like to name these groups and assign characteristics to all of its members for whatever reason.  Now we have a new group to vilify, Strategic Defaulters.  They are your friends, your neighbors and at some point maybe even you. 

Strategic defaulters have been given a very bad rap from the banking community, the government and even the media.  They have been painted as greedy, I’ll get mine anyway I can, types who don’t care about anyone or anything but themselves. 

We are led to believe that this group is responsible for the fact that the housing collapse is not already over.  I encourage you to think again.   Strategic defaulters are not a danger to your community, the banking system, our economic way of life or world peace.  They are people just like you who are doing the best they can against a stacked deck. 

If you bought a house or owned a house in 2007 it had a value at that point in time.  Let’s say $300,000.  You made financial plans based on the value of that investment.  You may have changed your lifestyle to accommodate the costs of that investment.  Working more overtime or forgoing some other things in life for it.  In any case you made those decisions based on a number of factors.  I am not going to judge your motives or your decision making process.  It’s not my call and as I said, I believe people are doing the best they can with what they have to work with. 

So today you find yourself with the same asset and the same costs but with severe changes in the value.  Your house is worth about 2/3 of what it once was.  This depends on your area, but overall 2/3 is a pretty good average.  In this example, your house is now worth $200,000 instead of the $300,000 it was just a few years ago.  As a side note, exactly what did you do to make that happen?  The answer is nothing. 

I contend that the banker’s bad investments and the governments “help” has created this.  Not you.  That doesn’t mean you are off the hook though.    You made your plans based on the factors at the time and factors change.  We were raised to make the best of a bad situation and work through it.  Now may be the time to take a look at that  belief system.  

Here is the stacked deck part.  You may not be able to get the overtime you once did or you may not have a job at all.  That house may not meet your needs because your family is different.  Maybe the house is too small because the kids are bigger.  Maybe it is too big because they are gone.  In any case, you are stuck.  You can’t sell it for what you owe on it.  You can’t pay it off. 

So you are out of options to try to make it fit.  What do you do?  If you could cut out everything in your life including eating (I am not making this up) and be able to make your house payment, you are doing what the banks expect.  If you can make the payment and for whatever reason you decide not to, you are a strategic defaulter. 

The challenge you face as a strategic defaulter is that you think you will be judged by everyone.  You won’t be.  The people you care about and care about you, understand.  The outside forces are desperately trying to make you the bad guy. 

(Insert expletive here) do whatever you have to do to protect yourself, your family and your financial future. 

There are only a handful of places you can go where you can discuss all of the options you have available to you.   Don’t look at some.  Look at all of your options.  Get several opinions then trust your instincts.  There is life on the other side of this and the strategic defaulters are winning.  www.financialrevivalgroup.com

Homeowner’s Guide to the Foreclosure Fairness Act

WE liked this article so much, that we bought the rights to it and made it an exclusive.  Get it while its HOT!

On Friday, 4/8/2011, the State legislature delivered a bill to the Governor for signature on 04/14/2011 which will significantly change the process of foreclosure in the State of Washington.  The major change is that the legislature has delivered to the homeowners, a statutory right to sit down and talk turkey about modifying the loan that has become the bane of homeowners everywhere.  In 2007, the median net worth of a family in Washington was around $150,000.  Since that time, we have seen the stock market crash and the housing bubble burst, unemployment rise, real wages drop, and interest rates on mortgages climb.  On average, the American Household lost $125,000 by 2009.  When you compare the statistics, we should be plus side, $25,000.  The problem is, that the mortgage that secured the average home, didn’t go anywhere, and the though the median and the averages were in the $150,000 realm of net worth, those buying homes and refinancing in 2007 and earlier, were doing it on 100% loan to value terms and it is unlikely they were near the median in net worth.  Thus the average losses that impacted the portfolio didn’t turn into a mere $25,000 remainder, but left them insolvent and starring at bankruptcy. It is likely, that of the 33% of homeowners that have a mortgage that is underwater in the Puget Sound, your financial situation is sinking but this bill may provide a much needed life saver.
The Foreclosure Fairness Act will provide the homeowner the opportunity to force its banker to the table to discuss the realities of modifying the loan.  Prior to this, homeowners have fussed with lost documentation, forbearance agreements and the actions of a banking industry that border on the criminally negligent. In addition, the bill requires the bank to provide specific information in making a determination of what the best outcome will be based on present values of modification, foreclosure, short sale, deed in lieu, and whatever workouts may otherwise be arranged.  The problem will be getting through the hoops to make that banker sit there and look you in the eye with a mediator looking on and provide you this information.
Previously, the process of nonjudicial foreclosure in Washington was that the owner of your mortgage, the bank, would stop receiving the monthly payment.  In turn, the bank would declare the loan to be in default, and contact a trustee to initiate the nonjudicial foreclosure.  The trustee would send a Notice of Default out no earlier than seventy (70) days after the first missed payment and the home would be auctioned off about 120 days later.  The homeowner would then be forced to move by the twentieth day after the sale.  Thus the whole process would take about seven months or 210 days.
With the changes, the statute imposes on the bank a requirement that it send out a notice a full thirty 30 days before recording the Notice of Default that details your rights in sitting down with the bank.  If you don’t answer that letter, don’t worry, the bank will call you three times by telephone, and then send a certified letter.  Failure to meet that requirement means the bank cannot foreclose.

If you do respond to the letter…. TO ACCESS THE REMAINDER OF THIS ARTICLE, and trust me you want to get the detailed analysis of this statute, PLEASE REGISTER FOR A FREE SEMINAR HERE. Just click on the green “register now” button for either a live event or the webinar, and the article will be emailed to you shortly.

Wells Fargo playing hardball on short sales. Again!

All of these banks are so screwed up when it comes to how to deal with the foreclosure mess that they created.  We showed you a post recently about what Bank of America tried to do to another one of our members. 

Here is the link to that post.  More proof! If you trust the banks, they will take your money.

If you think they are organized and have the power of law and public support behind them then you might just be their next target.  They are a mess.  It seems like each department operates completely independantly of other departments in the same bank.  Every time they get a new manager, they try something else to wring what little money that Middle America has left. 

Here is a portion of a short sale agreement that Wells Fargo sent to one of our members.  Notice that Wells wants them to agree that they will pay all of the remaining balance on the 2nd mortgage.  That is not a good deal for anyone except Wells.  Our members are doing much better than that on these types of negotiations. 


If these people had done what we are all told to do, that is to contact your bank for help, they would think this is the best they could do and would probably sign it.  WRONG MOVE!

Did you notice the bottom where the homeowner agrees not to try to get out of it later? 

Did you also notice where the bank is telling them to pay a lawyer to look it over before they sign it? 

Lot’s of help from Wells Fargo on this one.  They are taking unfair advantage again.  Don’t let them do this to you.


Despicable Lies, Delusional Economic Recovery, Hyped Unemployment Numbers…

I didn’t write this article and I rarely post entire articles by anyone else but after reading this one, I had to pass it on intact.   This is a very well written article that discusses our current economic situation from unemployment to housing.  I agree with Mr. Hirschhorn in that our government and the media are continually lying to us to get us to hang on just a little longer.  That has been their strategy since the beginning for the protection of the big banks and their own politcal influenceThis is worth a read.

Despicable Lies, Delusional Economic Recovery, Hyped Unemployment Numbers…

By Joel S. Hirschhorn

Global Research, April 5, 2011
The US government lies.  Sure looks like most Americans gobble up false and misleading information that is nothing less than political propaganda.  Take the highly hyped unemployment number for March, 2011 of 8.8 percent that moved like a tornado through the media and was praised by Democrat politicians and the White House.  As if that number is accurate, as if it fairly describes unemployment.  It does not.  What is called by experts, such as Leo Hindery, as the real unemployment number was actually 17.7 percent, which is remarkably higher.  To appreciate that much higher number is to throw a large bucket of cold water on all the political spin on the economic recovery.The official government unemployment figure has been carefully crafted to intentionally underestimate actual unemployment.  The way the data are collected through a survey of homes intentionally ignores a number of unemployed and underemployed Americans.  The latter includes those who have stopped looking for a job because it has become crystal clear to them that there are no jobs for them, as well as those working part-time when what they really want is a good full time job.

Similarly, Gallup polling which takes into account these other factors found the total number for March up slightly to 20.3 percent of the US workforce.

As if this sham game is not bad enough, what the government also does not reveal with hard information is that most new jobs being created now are low wage ones often without any good benefits.  Another reason to see how delusional the economic recovery is.

To get back to a low unemployment level characteristic of a good economy could take up to ten years.  The federal lie includes 13.5 million unemployed workers but the real number is more like 28.2 million.  That means a lot more hardship and suffering in the fictional recovery than the government wants the public to know about.  The number of real unemployed workers has increased by 11.5 million since the start of the Great Recession, and just since December 2008 by 3.7 million.

The economy must add 13 million private sector jobs over the next three years-360,000 each month-to bring unemployment down to 6 percent.  There is no possible or imaginable way for this to happen.  So real unemployment will remain terrible.

All this plus the fact that real wages have stagnated for many years means that the middle class in the US is in dire shape.  The most important implication of this is that there is no good reason to think that the deeply depressed housing market stands any chance of recovery for many years.  There are not enough people with enough money and financial security to buy even low priced houses.  There simply are too many empty houses and even more coming from millions more foreclosures.  Without a healthy housing market it is inconceivable that a true economic recovery and meaningful growth are possible. 

In other words, contrary to all the blabber from politicians and pundits, the current recovery is largely delusional as far as the vast majority of Americans are concerned.  Of course, the rich Upper Class is doing just fine.  In 2009, the richest 5 percent claimed 63.5 percent of the nation’s wealth. The richest 20 percent of Americans own 84 percent of all wealth.  The overwhelming majority, the bottom 80 percent, collectively hold just 12.8 percent.  As the Economic Policy Institute has reported, the richest 10 percent of Americans received an unconscionable 100 percent of the average income growth in the years 2000 to 2007, the most recent extended period of economic expansion.
Odds are that you, dear reader, are in the bottom 80 percent, which means you should have the good sense to see how delusional the current economic recovery is and that you should have little hope for doing well in the future.  Remember also that state and local governments facing budget shortfalls will surely layoff many more people and those congressional attempts to address the horrendous national debt and deficit will surely mean cuts in many government programs that many in the bottom 80 percent depend on.

Companies will continue to make huge profits, pay little in taxes and continue to manipulate government policies through lobbying and campaign contributions so that they keep getting away with murder of the middle class.  Corporate bigwigs and Wall Street fat cats will continue to grab incredible amounts of money.  And hardly any of the corporate crooks that have screwed most of us will get prosecuted or jailed, as they should.  Nor will there be any true, badly needed reforms of the financial sector.  Banks will continue to financially rape Americans.

Lies will keep coming from both Democrats and Republicans in Congress as well as President Obama.  Do you want to believe them?  Or can you accept the painful truth about our bleak national condition and stop voting for lying politicians that keep the corporate dictatorship in power?

Contact Joel S. Hirschhorn through www.delusionaldemocracy.com.

60 Minutes story – The next housing shock (crash)

Sorry for the delay in getting this posted.  This is the second story 60 Minutes has done in the past month.  Finally the housing crash is on their radar.  It is about a 12 monute story and is well worth a look. 

The banks and the government will do nothing about any of this until they are convinced that we the people will not allow it to continue.  The only way we will get their attention is to stop feeding the beast.  If we all stopped paying on our underwater houses.  They would fix this problem ricky tic…

If you are ready to fight back on your house, we will show you how and walk you through it.


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