BEING MIDDLE CLASS

Please post information about the AG "settlement" with the banksters and recently, the Fed, OCC, and others' involvement on this forum.

Homeowners stories and news about BOA.

Homeowners stories and news about Chase/WaMu.

Homeowners stories and news about CitiBank.

Homeowners stories and news about Green Treen.

Homeowners stories and news about HSBC.

Homeowners stories and news about Indymac/OneWest Bank.

Homeowners' stories and news about Nationstar Mortgage.

Homeowners stories and news about Wells Fraudgo and Wachovia.

If you do not see your bank/servicer in this group, please add your story here.

Sometimes it takes humor to get through the grueling home loan modification or foreclosure, short sale process.

Bankruptcy, cooking, credit card debt, design on a budget, disability, education, everything else, gardening, healthcare, how to make money, jobs, kids and family, pets, politics, relationships, scams, senior citizens unite, starting a new business, student loan debt, successful investing.

Please post court cases here.

An assignment is a document that transfers interest in a loan. Please post information about assignments here.

Please post important contact information here.

Forum to describe the soon to be less confusing terminology relating to the financial industry, including acronyms PSA, MBS, MHA, HAMP, MERS, Assignment, etc.

These two deserve their own forum. Although they are owned by us taxpayers, I have a feeling they don't have our best interests in mind. Let's expose them what they are: puppets on the long arm of the government.

Foreclosure laws by state.

Sample letters to send to your bankster, your elected officials, and others, qualified written requests, and much more.

Discussion about the government Making Home Affordable ("MHA") program, that includes Home Affordable Modification Program ("HAMP"), and the rarely heard of Home Affordable Refinance Program ("HARP"). Under HARP, a borrower must be current with payments. Kinda hard to do when your bank tells you they won't help you unless you are in default. Here you will find Treasury Directives and Fannie Mae guidelines. Freddie Mac is the "overseer" of this program.

Let's try to decipher the mysterious Mortgage & Electronic System (MERS).

Please post news, articles and resources relating to foreclosure, banks, home loan modifications, etc.

The banksters have an agreement with investors that provide information about what these banksters can do with our loans.
This forum will expose the Pooling & Servicing Agreements (PSAs) in an attempt for homeowners to better understand who has control of their loans.

Elements of a predatory loan, TILA and RESPA explained.

Helpful information and forms for those who are going to defend themselves against foreclosure in proper person, also known as pro se.

Please post any information you have about robo signers. To keep this forum easy to peruse, please do not engage in anything that does not pertain to robo signers. Let's keep this thread clean so that others fighting foreclosure, attempting to find evidence, can find it easily on this thread.

Home loans were securitized/sliced and diced and sold on Wall Street.
In order for the banksters to securitize our loans, they had to file paperwork with the SEC.

This section is to find our the Trust (SEC papers) that contains our loans.

A discussion on the ins and outs of second mortgages.

Alternatives to foreclosure are short sale, deed in lieu (DIL) and filing bankruptcy. Please post information here about foreclosure alternatives.

Home lending laws differ from state to state.
Lawsuits also vary by state due to laws, jurisdiction issues.
Please post information here about what is happening in your state.

Research to determine who owns your loan.