If you've been fighting fraudulent foreclosures or predatory mortgage servicing abuses, odds are good you've heard of Mortgage Electronic Registration Systems, Inc. --better known as MERS.Over 62 million mortgages are now held in the name of MERS, an electronic recording...
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Wondering what's driving the public outrage? Last year, CBS News and the New York Times polled 1,000 Americans to learn why so many Americans seemed so angry. They reported that eight in 10 people say it's because Congress is more...
It's counter-intuitive to raise interest rates and slather even more debt onto troubled borrowers, but that's exactly what lenders often do. They're in business to make money, not to make sense. We don't get to make up the rules of...
Let's face it; the news hasn't been very pleasant lately. Heated talks about raising the debt limit ... rising deficits ... default fears, credit rating downgrades, high unemployment ... and looming fears of stock markets crushing people's retirement funds, I...
Tucked in the fine print of health insurance, cell phone, car rental, credit card, nursing home, employment, construction, and even home repair contracts, to name a few, are forced arbitration clauses. If you don't know what forced arbitration is, it's...
As I've reported too many times recently, foreclosure fraud is a major problem in this country. Thankfully there are people who are willing to fight against it and uncover shady dealings and unlawful mortgage and foreclosure practices that defraud the...
In many situations, arbitration can be seen as a good thing. A supposedly impartial third party can help two parties that can't agree find a common ground, resulting in a settlement that is mutually fair and beneficial to all involved. ...
In an economy based on credit ratings and scores, a financial bureau designed to protect consumers would seem like a no-brainer. And, if you were asked what you wanted in this bureau, you would probably note a few key ideas...
Was it so long ago that JPMorgan Chase admitted there were problems with military mortgage lending practices after more than a dozen soldiers and their families were evicted and subjected to foreclosure? A HUD (Housing and Urban Development) audit has...
When the bottom fell out of the mortgage/lending market, a lot of honest people ended up losing their homes. And what's worse, in a staggering number of cases, it wasn't the fault of the homeowners. Many borrowers were held hostage...
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A memoir exposing the steep price consumers pay when facing mortgage servicing errors, inaccurate credit reporting, illegal debt collection practices, identity theft and weak consumer protection laws. THE BOOK » DENISE'S STORY »
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