Please read this section prior to posting or regisitering as a member. This is a FREE forum for homeowners, attorneys, consumer activists and non-profits to share and learn various predatory lending laws to stop foreclosure or obtain a loan modification. Anyone can join our community and we encourage all homeowners to unite and save our homes and protect our property rights. We need your help. So, please join us in the fight!

This section is where you can let it all out and post your whole story. The more we know, the more we can help you fight back against these lending abuses. No one will be judged or criticized for posting their story.

This section is dedicated to the borrower and attorney stories of people who fought back to win the battle against their lenders. I hope to add many stories here as times goes by. Please let us know if you have a success story that you can share to give others encouragement to keep fighting!

The federal Truth In Lending Act (TILA), was originally enacted by Congress in 1968 as a part of the Consumer Protection Act. The law is designed to protect consumers in credit transactions by requiring clear disclosure of key terms of the lending arrangement and all costs. TILA is one of the most powerful laws that can be used to fight lenders that have preyed on you or your client.

RESPA requires that consumers receive disclosures at various times in the transaction and outlaws kickbacks that increase the cost of settlement services. RESPA is a HUD consumer protection statute designed to help homebuyers be better shoppers in the home buying process, and is enforced by HUD. RESPA covers loans secured with a mortgage placed on a one-to-four family residential property. These include most purchase loans, assumptions, refinances, property improvement loans, and equity lines of credit. This is another powerful law that can be used effectively to fight lending and servicing abuses.

Let's face reality. The mortgage brokers over the last 5 years operated like it was the wild, wild west. For many, money came first and the law last. A lot of consumers have been scammed, duped, swindled and sold a toxic loan when they should have obtained a plain vanilla mortgage. Find out what laws govern mortgage brokers and discuss possible laws that can be used as a defense for predatory lending victims to fight back and win!