The 2008 financial crash put a lot of people out of work. It hurt business owners, emptied personal savings, destroyed American home values, and lead to massive foreclosures.
The crony network of big banks, financial institutions, government, politicians, the courts, and their corporately owned media have used propaganda, lies and spin doctors to convince Americans that naïve and greedy homeowners crashed the global credit markets in 2008.
They blamed the crash and current economic chaos on homeowners who bought too many houses. Yes, some mortgagers made some people believe they could buy more homes than they could afford. However, the blame here is often misleading.
Why? Obscene broker commissions were a big part of originating mortgages. Banks were on a tear to bundle, securitize, sell and re-sell mortgages. It leads to irregular mortgage practices.
The bigger truth has been revealed that there are no mortgages to back the mortgage-backed securities. Thus former treasury secretary Hank Paulson told taxpayers, "We must bail the banks out, or else everything will collapse."
In fact, Iceland arrested the financial offenders and put in actual safeguards to restore the capital markets and consumer confidence. We in America got the toothless Dodd-Frank bill that makes it appear legislators are minding the store.
Banking and the financial industry needed major reforms. Instead, after the Wall Street financial crash our American banks actually got 38% BIGGER!
Today banks are bigger than before the economic crash and the Dodd-Frank bill does nothing significant to keep Wall Street from trashing the economy again.
Fast forward and today, these quasi-patriotic cronies continue the lies and prop up the fraud on the taxpayer's dime. They brazenly continue to cover up their partners' crimes while still receiving a massive transfer of wealth from taxpayers without impunity.
By the way, in 2008 that 800 billion dollar bailout has turned into trillions out the back door of the Federal Reserve straight into bank coufers.
What few Americans realize is that crony capitalists who fleeced institutional investors out of $17+ Trillion, clouded the title on all the mortgages they originated and supposedly sold on the secondary market.
They stole our pension money, wiped out savings and now they're still after your home. In fact, more than 4.9 million homeowners were foreclosed since the Wall Street crash and there's more on the way.
American's need help staying in their home. If the banks and servicers won't deliver then where do homeowners turn for guidance through this financial maze of fraud and corruption?
Many are programmed to think, "Lawyer, that's what I need to stand up for me, to sort out the fraud, to keep my family from being kicked into the streets."
As Americans we've been conditioned to believe that the only people who can help us navigate, legal matters are lawmakers and attorneys. Fortunately, in the realm of foreclosure law, there are a few good ones.
However, when it comes to ferreting out truth or fraud in your foreclosure, few attorneys (Real Estate attorneys included) are equipped or have any desire to fight as hard as a regular educated homeowner.
It's a fact that no one will ever care more about saving your home than you. If staying in your home is not all that important, then most attorneys will do. But buyers beware.
I've personally talked with hundreds upon hundreds of homeowners all across America who routinely pay from $1,000 to $30,000+ in attorney's fees plus monthly retainers and still loose their home. This is more common than you'd think.
I ask homeowners, "What was the attorneys strategy? Was it to help you buy time until you are evicted or actually stay in your home?"
Many homeowners had not thought the end game through. How often do we hire attorneys? There are no Consumer Reports on America's best foreclosure strategies, fighting bank fraud or attorneys.
Most Americans are busy trying to make a living, caring for loved ones, keeping their heads above water and would rather avoid the legal realms. Who can blame them?
So, unless new information is introduced it makes perfect sense that many homeowners don't know what to ask to hire an attorney or figure out what makes one effective over the next.
When it comes to defending your home, the following basic questions will get most homeowners started.
The following six questions came from an interview with Justin James. He is the founder of The Foreclosure Relief Network, a company dedicated to helping homeowners stand up for their legal rights.
The company with its network of private investigators, paralegals and law firm was developed to educate and arm the American consumer with the information necessary to protect families and property against the unlawful actions of banks.
Mr. James emphasizes that "Every homeowner who suspects mortgage fraud or are in foreclosure or about to be, needs to be educated.
They need to know upfront if an attorney will work on your behalf or instead see you as a tool to collect fees while they stall things off in court. By asking these basic but key questions, this is knowable."
You want to interview an attorney just like you would choose a doctor, dentist, CPA or a contractor to work on your home. You want a good fit.
Mr. James suggests that before you phone or visit an attorney in person, have your questions written down and refer to them.
6 Key Questions to Ask Before You Hire an Attorney to Get a Modification or Defend Your Home Against Banks
If you get so much as one "no" to the above questions then be aware, your situation may be at cross-purposes with this particular attorney.
To the few that are actually competent and not bluffing their way into your back pocket, these basic but telling questions are not difficult to answer.
Other than the details of your situation, each question does not require you as the homeowner to expound any further. Either they know it or they don't. Either they believe banks can do no wrong or believe in justice for homeowners.
Bottom line is that if the attorney interviewed is...
Then why are you there? Why should they take your money? Don't give them a dime Pack your bags and find another attorney or other expert to interview. Consider...
You are paying the attorney for a service. You wouldn't go into a car dealership and say...
"I've got $400 a month to spend on a vehicle. Just give me whatever you got to drive."
You'd be surprised how many people would accept poor treatment when it comes to attorneys. Why?
Because some homeowners are intimated and think, the lawyer knows more. That's usually true about civil law matters. That's when a good educated attorney makes sense.
But when it comes to foreclosure, commercial law and challenging the banks-think again. I would challenge you to think outside the box.
Others will say, "YES BUT you can't defend yourself against fraud or a foreclosing bank. You must have an attorney." Many homeowners felt that way in the beginning. However...
We now know plenty of average homeowners who've been educated and succeeded with the guidance of companies like The Foreclosure Relief Network.
But, what few homeowners at first realize is that attorneys are not traditionally schooled in banking and finance.
In fact, I've interviewed some well informed average homeowners who educate their attorneys.
You Deserve to Know What You are Getting for Your Time and Money
If your prospective attorney is the real deal, they will understand your need to interview. That's why it's important to know...
You simply want to insure that you are investing your energy and money wisely into a winning strategy and NOT prolonging what many attorneys feel is an inevitable foreclosure.
It's a little known fact that if you, as a homeowner are educated and have a complete and correct strategy then foreclosure is NOT always inevitable.
If you hire an attorney that did not adequately answer these questions, then be advised you, your family and your home may be taken for a professional ride.
According to Mr. James extensive experience with homeowners, banks and courts across America, rare is the attorney who will answer your call, who will fight banks on behalf of your homeowner and constitutional rights.
Most attorneys will not intentionally do you harm because they genuinely believe what they believe. That banks can do no wrong is just part of their many years of education and training.
As important, attorneys take an oath to protect corporations. It's what they do.
That said... put yourself in the attorney's shoes for just a minute. They have a lot of competition. A title, though impressive is no guarantee of success. They are businessmen and women and for many economic times are tough like many homeowners.
Yes, attorneys enjoy a measure of prestige but that doesn't pay the bills. Like you and I, they have to make a living or find a way to survive. Just make sure it's not at
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