I know a lawyer whose home was in this process. He told me several months ago there was a lot of fraud going on because he used to do this type of work and knew it was not being done right.

His paperwork was always being 'lost' so he had to start over and over. He finally found the home address of the President of the company that was trying to foreclose on him and just started sending his paperwork to the guy's house with a 'delivery confirmation' card attached.

This got a BIG reaction from the mortgage company, but since he was doing everything in a legal manner there was nothing they could do. They finally sent him a letter saying his case was 'under study' and no action would be taken on it.

He has not heard from them for a long time, so he is just paying his insurance and property taxes himself.

It appears the banks and whatnot were committing fraud. If so they should be hauled in and shown this is not the right way to do business. People went to prison after the S and L scandal of the mid 80's and it looks like some could be making such a trip this time, too.

As Republicans are so fond of saying, "If you have done nothing wrong you have nothing to worry about."

Honesty is the best policy.