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	<title>
	Comments on: Tennessee &#124; Action Alert &#8211; SB 1299 HB 1920 State Bills Would Reduce Foreclosure Notices	</title>
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	<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/</link>
	<description>- Fighting Foreclosure Fraud BY SHARING THE KNOWLEDGE</description>
	<lastBuildDate>Wed, 29 Feb 2012 17:52:07 +0000</lastBuildDate>
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		<title>
		By: Ali		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-345287</link>

		<dc:creator><![CDATA[Ali]]></dc:creator>
		<pubDate>Wed, 29 Feb 2012 17:52:07 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-345287</guid>

					<description><![CDATA[Is that guy living in a cave? Maybe he would be happier with slumlords owning property next door to him, boy have we ahd our share of that! That exactly why we bought. Now we are going to be slaves of inscupulus landlord who refuse to maintain their property, and get cheated out of maintenance and security deposits, again. Over my dead body. That guy does not know for which he speaks, bless his little heart and brain.]]></description>
			<content:encoded><![CDATA[<p>Is that guy living in a cave? Maybe he would be happier with slumlords owning property next door to him, boy have we ahd our share of that! That exactly why we bought. Now we are going to be slaves of inscupulus landlord who refuse to maintain their property, and get cheated out of maintenance and security deposits, again. Over my dead body. That guy does not know for which he speaks, bless his little heart and brain.</p>
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		<title>
		By: Katheryn		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-33514</link>

		<dc:creator><![CDATA[Katheryn]]></dc:creator>
		<pubDate>Thu, 19 May 2011 21:30:59 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-33514</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-33497&quot;&gt;Pay Your Bills&lt;/a&gt;.

Well I guess all those people in food lines during the last depression just didn&#039;t look hard enough for work to pay for their necessities and couldn&#039;t bring themselves to cut their spending on non essentials. Come on now....we need to put on our thinking caps and really search for the truth about what has brought down this economy, which does also affect you.  I take it you are in the generation ahead of mine, but when I was a child it was uncommon for moms to work.  Most middle class workers got by on one income.  They took the yearly family vacation and their children were not deprived.  There were also jobs in the US as they did not outsource to other countries to make more profit.  Businesses did not hire illegal immigrants so they could pay them next to nothing, avoid paying taxes and benefits while improving their profit margins.  Most companies back then took care of and valued their employees and it was a lifelong career.  The US did not thrive based on pure out and out greed and fraud as it does today.  Capitalism at its finest!  (and, no,  I do not believe in communism, but their needs to be regulations and controls on the capitalistic fraud that prevails in today&#039;s corporate  business environment) People bought homes at prices one could never have imagined back when I was a child.  Greed and more Greed drove prices up as the lenders and fraudstreet figured out a way to get anyone qualified.  Then people are all in homes as basic utilities,gas, food, education and everything else kept going up.  Then comes the loss of jobs and more outsourcing along with the companies who are greedy and lowered pay and benefits even when they were thriving....just because they could.  Have you looked around at rents in the last 10 years.  If you earned a middle class wage and did not own, you had nothing to sheild your tax base like the big corporations do!!!!   Most renters, unless you chose to live in the slums, payed more than owning by not having the tax shelter of interest and property taxes.  There also were not enough rentals to house all the people in my generation that owned, if they were to suddenly have t rent.   If you really really really spend some time researching why home values have taken a freefall, it is not because of the &quot;deadbeats&quot; that bought them.  Did it occur to you when you say people are spoiled and don&#039;t want to give up the non-necessities, that just perhaps, giving up the non-necessities still won&#039;t allow them enough to make the mortgage payments. Hmm.  How many middle class people do you personally know that even keeping their living costs to a minimum can have one parent stay at home to take care of the children.  I personally do not know of any.  So should moms and dads work two jobs each???  Who takes care of the children then???  Don&#039;t you think that our children have already felt the ill effects from both moms and dads working 40 to 50 hours a week.  Strangers are raising peoples children nowadays.  That is not a good thing.  The point to my lengthy disertation is &quot;STOP&quot; blaming the homebuyers for all of the US problems.  Look around you and see what is wrong with the entire country.  Try to read and understand what banks and fraudstreet have done to our nation with the biggest ponzi scheme ever imagined.  This is what caused the freefall of property values.  No different than the people who lost all to the Bernie Madoff ponzi scheme.  You and the two fine politicians wanting to speed up giving people the &#039;boot&#039;  from their homes are the reason why our country will continue to freefall  and will not rebound.  You are either not intelligent enough to understand what is really happening (therefore, not your fault) or you are lazy and don&#039;t want to take the time to find out, or you are one of them.  Sorry to be so blunt but it is the truth.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-33497">Pay Your Bills</a>.</p>
<p>Well I guess all those people in food lines during the last depression just didn&#8217;t look hard enough for work to pay for their necessities and couldn&#8217;t bring themselves to cut their spending on non essentials. Come on now&#8230;.we need to put on our thinking caps and really search for the truth about what has brought down this economy, which does also affect you.  I take it you are in the generation ahead of mine, but when I was a child it was uncommon for moms to work.  Most middle class workers got by on one income.  They took the yearly family vacation and their children were not deprived.  There were also jobs in the US as they did not outsource to other countries to make more profit.  Businesses did not hire illegal immigrants so they could pay them next to nothing, avoid paying taxes and benefits while improving their profit margins.  Most companies back then took care of and valued their employees and it was a lifelong career.  The US did not thrive based on pure out and out greed and fraud as it does today.  Capitalism at its finest!  (and, no,  I do not believe in communism, but their needs to be regulations and controls on the capitalistic fraud that prevails in today&#8217;s corporate  business environment) People bought homes at prices one could never have imagined back when I was a child.  Greed and more Greed drove prices up as the lenders and fraudstreet figured out a way to get anyone qualified.  Then people are all in homes as basic utilities,gas, food, education and everything else kept going up.  Then comes the loss of jobs and more outsourcing along with the companies who are greedy and lowered pay and benefits even when they were thriving&#8230;.just because they could.  Have you looked around at rents in the last 10 years.  If you earned a middle class wage and did not own, you had nothing to sheild your tax base like the big corporations do!!!!   Most renters, unless you chose to live in the slums, payed more than owning by not having the tax shelter of interest and property taxes.  There also were not enough rentals to house all the people in my generation that owned, if they were to suddenly have t rent.   If you really really really spend some time researching why home values have taken a freefall, it is not because of the &#8220;deadbeats&#8221; that bought them.  Did it occur to you when you say people are spoiled and don&#8217;t want to give up the non-necessities, that just perhaps, giving up the non-necessities still won&#8217;t allow them enough to make the mortgage payments. Hmm.  How many middle class people do you personally know that even keeping their living costs to a minimum can have one parent stay at home to take care of the children.  I personally do not know of any.  So should moms and dads work two jobs each???  Who takes care of the children then???  Don&#8217;t you think that our children have already felt the ill effects from both moms and dads working 40 to 50 hours a week.  Strangers are raising peoples children nowadays.  That is not a good thing.  The point to my lengthy disertation is &#8220;STOP&#8221; blaming the homebuyers for all of the US problems.  Look around you and see what is wrong with the entire country.  Try to read and understand what banks and fraudstreet have done to our nation with the biggest ponzi scheme ever imagined.  This is what caused the freefall of property values.  No different than the people who lost all to the Bernie Madoff ponzi scheme.  You and the two fine politicians wanting to speed up giving people the &#8216;boot&#8217;  from their homes are the reason why our country will continue to freefall  and will not rebound.  You are either not intelligent enough to understand what is really happening (therefore, not your fault) or you are lazy and don&#8217;t want to take the time to find out, or you are one of them.  Sorry to be so blunt but it is the truth.</p>
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		<title>
		By: Pay Your Bills		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-33497</link>

		<dc:creator><![CDATA[Pay Your Bills]]></dc:creator>
		<pubDate>Thu, 19 May 2011 19:39:49 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-33497</guid>

					<description><![CDATA[Do individuals not know if they have or have not paid their bills?  There are exceptions to everything.  I know that.  However, reminding someone, usually not the one who is being foreclosed on, three times in the newspaper with metes and bounds descriptions which the normal person cannot even read and understand.  Why are people not more proactive if they are in financial trouble.  I would be if I got behind in my payments on my home.  I have known individuals who say that they are not going to suffer nor is their family going to suffer (meaning we&#039;ll still keep and pay our cell phone bills, we&#039;ll still take a vacation, we&#039;ll still go out to eat, we&#039;ll still make sure our kids are in all of the activities they need to be in) just to pay my mortgage payment.  I know this for a fact.  There is a difference between things that are necessary and things that are not.  I am not saying this is the case all of the time but a large majority of the time.  I would have worked anywhere, anytime, anyhow in order not to lose my home.  Again, it is not always the case but it seems we have raised this current generation to accept the fact that if I don&#039;t want to make sure I meet my obligations then someone else is going to take care of me.]]></description>
			<content:encoded><![CDATA[<p>Do individuals not know if they have or have not paid their bills?  There are exceptions to everything.  I know that.  However, reminding someone, usually not the one who is being foreclosed on, three times in the newspaper with metes and bounds descriptions which the normal person cannot even read and understand.  Why are people not more proactive if they are in financial trouble.  I would be if I got behind in my payments on my home.  I have known individuals who say that they are not going to suffer nor is their family going to suffer (meaning we&#8217;ll still keep and pay our cell phone bills, we&#8217;ll still take a vacation, we&#8217;ll still go out to eat, we&#8217;ll still make sure our kids are in all of the activities they need to be in) just to pay my mortgage payment.  I know this for a fact.  There is a difference between things that are necessary and things that are not.  I am not saying this is the case all of the time but a large majority of the time.  I would have worked anywhere, anytime, anyhow in order not to lose my home.  Again, it is not always the case but it seems we have raised this current generation to accept the fact that if I don&#8217;t want to make sure I meet my obligations then someone else is going to take care of me.</p>
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		<title>
		By: margaret hamblin		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28540</link>

		<dc:creator><![CDATA[margaret hamblin]]></dc:creator>
		<pubDate>Wed, 20 Apr 2011 20:03:03 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28540</guid>

					<description><![CDATA[it seems everyone has been bought off these days.  in state tn, they are trying to shorten the foreclosure period so they can push the illegal/fradulent foreclosures through the system in this non judicial state.
i am still confident right will prevail, it seems everyone is forgetting who still rules this earth &quot;the unseen hand.&quot;  this means that right always prevails, this illegal power struggle by the big banks and corrupt individuals playing the game will soon end; again, right and wrong are always rewarded as they are sown.]]></description>
			<content:encoded><![CDATA[<p>it seems everyone has been bought off these days.  in state tn, they are trying to shorten the foreclosure period so they can push the illegal/fradulent foreclosures through the system in this non judicial state.<br />
i am still confident right will prevail, it seems everyone is forgetting who still rules this earth &#8220;the unseen hand.&#8221;  this means that right always prevails, this illegal power struggle by the big banks and corrupt individuals playing the game will soon end; again, right and wrong are always rewarded as they are sown.</p>
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		<title>
		By: one sound		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28370</link>

		<dc:creator><![CDATA[one sound]]></dc:creator>
		<pubDate>Tue, 19 Apr 2011 20:41:44 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28370</guid>

					<description><![CDATA[SB 1299 by *Johnson. (HB 1920 by *Matlock, Fitzhugh, Pitts, Sexton, Montgomery, Casada, Sargent, Harmon, Johnson C.)

This can not be do per THE SETTELMENT THE  ATTORNEY GENERALS OF ALL FIFTY STATES MADE  

The other is the land has never been for sale and was never sold that is why you pay property tax on it  seperately the county/ state  claims to own it .

More trickery  it was only the real estate that was sold or perchased and that is the home 
folks wake up !!!!! never the land 

If you want the land just get rid of the mail box and get a po box and take the number off of your house and make the claim


ANYTHING IN ALL CAPS THAT IS ON THE LEFT IS DEBTOR like the singer  be on say noles sings 

to the left ....to the left..... everything you sign in the box to the left 


get out of the box people grow some nut&#039;s wavose  way voice make it over rees  over see

Watch this video and see who the real terrorist are and those  men who are trying to do this are in CLUB FED 
http://www.realecontv.com/page/1503.html]]></description>
			<content:encoded><![CDATA[<p>SB 1299 by *Johnson. (HB 1920 by *Matlock, Fitzhugh, Pitts, Sexton, Montgomery, Casada, Sargent, Harmon, Johnson C.)</p>
<p>This can not be do per THE SETTELMENT THE  ATTORNEY GENERALS OF ALL FIFTY STATES MADE  </p>
<p>The other is the land has never been for sale and was never sold that is why you pay property tax on it  seperately the county/ state  claims to own it .</p>
<p>More trickery  it was only the real estate that was sold or perchased and that is the home<br />
folks wake up !!!!! never the land </p>
<p>If you want the land just get rid of the mail box and get a po box and take the number off of your house and make the claim</p>
<p>ANYTHING IN ALL CAPS THAT IS ON THE LEFT IS DEBTOR like the singer  be on say noles sings </p>
<p>to the left &#8230;.to the left&#8230;.. everything you sign in the box to the left </p>
<p>get out of the box people grow some nut&#8217;s wavose  way voice make it over rees  over see</p>
<p>Watch this video and see who the real terrorist are and those  men who are trying to do this are in CLUB FED<br />
<a href="http://www.realecontv.com/page/1503.html" rel="nofollow ugc">http://www.realecontv.com/page/1503.html</a></p>
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		<title>
		By: Katheryn		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28344</link>

		<dc:creator><![CDATA[Katheryn]]></dc:creator>
		<pubDate>Tue, 19 Apr 2011 19:00:44 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28344</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28289&quot;&gt;leapfrog&lt;/a&gt;.

Those that are easily brainwashed go along with anything that makes them feel that they are getting the approval they must so badly feel in need of.  I see the town where I live.  The police have always had a union.  The y have still gotten raises while rest of the town employees have not.  In the last 4 yrs. they have taken and taken and taken from the the town employees (the little guys) not the 6 or so big wigs and if anyone mentions the word uniion...they all freeze.  Their eyes glaze over and froth comes out of their mouth.  When they can finally speak they are outraged that you would even suggest it.  They claim the unions steal your money and do nothing for you.  When you bring up facts like how come the police department seem to be making out so much better, they have no answer.  They are good doobies that have bought in to the &quot;think as you&#039;re told&quot; menatlity.  Who can figure?]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28289">leapfrog</a>.</p>
<p>Those that are easily brainwashed go along with anything that makes them feel that they are getting the approval they must so badly feel in need of.  I see the town where I live.  The police have always had a union.  The y have still gotten raises while rest of the town employees have not.  In the last 4 yrs. they have taken and taken and taken from the the town employees (the little guys) not the 6 or so big wigs and if anyone mentions the word uniion&#8230;they all freeze.  Their eyes glaze over and froth comes out of their mouth.  When they can finally speak they are outraged that you would even suggest it.  They claim the unions steal your money and do nothing for you.  When you bring up facts like how come the police department seem to be making out so much better, they have no answer.  They are good doobies that have bought in to the &#8220;think as you&#8217;re told&#8221; menatlity.  Who can figure?</p>
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		<title>
		By: anon		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28291</link>

		<dc:creator><![CDATA[anon]]></dc:creator>
		<pubDate>Tue, 19 Apr 2011 16:24:38 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28291</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28273&quot;&gt;l vent&lt;/a&gt;.

I Vent, wow I was gonna come on today and apologize for for talking a little shit yesterday ,I was having a bad day, but not now , these motherfuckers just declared war as far as I am concerned . If someone came to my door and asked for help ( that would be all of us, asking for a mod. ) I would do what I could to help them. If someone comes to my door meaning my family or myself harm or to take something of mine it&#039;s on , now I don&#039;t mean w/ a process server or sheriff , I know who is behind this and who there lawyers are , eye for an eye bitches &quot; don&#039;t let the bastards get you down &quot;]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28273">l vent</a>.</p>
<p>I Vent, wow I was gonna come on today and apologize for for talking a little shit yesterday ,I was having a bad day, but not now , these motherfuckers just declared war as far as I am concerned . If someone came to my door and asked for help ( that would be all of us, asking for a mod. ) I would do what I could to help them. If someone comes to my door meaning my family or myself harm or to take something of mine it&#8217;s on , now I don&#8217;t mean w/ a process server or sheriff , I know who is behind this and who there lawyers are , eye for an eye bitches &#8221; don&#8217;t let the bastards get you down &#8220;</p>
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		<title>
		By: Bobbi Swann		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28290</link>

		<dc:creator><![CDATA[Bobbi Swann]]></dc:creator>
		<pubDate>Tue, 19 Apr 2011 16:19:14 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28290</guid>

					<description><![CDATA[I feel so badly for those who live in TN - a non-judicial state and I also feel badly for the way the Republicans are swaying to the tune of the banksters.  The Republican Nat&#039;l convention is going to be held here in Tampa FL.  I would suggest we all rally to the convention and protest as the convention itself will draw a lot of media attention.  Neither party, in my opinion, is worth a da**, but unless our voices are heard we are doomed to silence of our freedoms!

BTW - the good Samaritan spoke about earlier is none other than the whole of the American people!  If we do not unite together we are like dust scattered to the wind.]]></description>
			<content:encoded><![CDATA[<p>I feel so badly for those who live in TN &#8211; a non-judicial state and I also feel badly for the way the Republicans are swaying to the tune of the banksters.  The Republican Nat&#8217;l convention is going to be held here in Tampa FL.  I would suggest we all rally to the convention and protest as the convention itself will draw a lot of media attention.  Neither party, in my opinion, is worth a da**, but unless our voices are heard we are doomed to silence of our freedoms!</p>
<p>BTW &#8211; the good Samaritan spoke about earlier is none other than the whole of the American people!  If we do not unite together we are like dust scattered to the wind.</p>
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		<title>
		By: leapfrog		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28289</link>

		<dc:creator><![CDATA[leapfrog]]></dc:creator>
		<pubDate>Tue, 19 Apr 2011 16:05:52 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28289</guid>

					<description><![CDATA[In reply to &lt;a href=&quot;https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28277&quot;&gt;talktotennessee&lt;/a&gt;.

Excellent post.  I couldn&#039;t have said it better myself.  Ist sad that the low-information voters keep electing these Republican-big bankster/corporate-agenda-types to the detriment of their own best interests.]]></description>
			<content:encoded><![CDATA[<p>In reply to <a href="https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28277">talktotennessee</a>.</p>
<p>Excellent post.  I couldn&#8217;t have said it better myself.  Ist sad that the low-information voters keep electing these Republican-big bankster/corporate-agenda-types to the detriment of their own best interests.</p>
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		<title>
		By: talktotennessee		</title>
		<link>https://4closurefraud.org/2011/04/19/tennessee-action-alert-sb-1299-hb-1920-state-bills-would-reduce-foreclosure-notices/#comment-28277</link>

		<dc:creator><![CDATA[talktotennessee]]></dc:creator>
		<pubDate>Tue, 19 Apr 2011 14:50:58 +0000</pubDate>
		<guid isPermaLink="false">https://4closurefraud.org/?p=22628#comment-28277</guid>

					<description><![CDATA[Tennessee is usually out of step with people and in step with a Republican agenda. While other states are beginning to see the fraud in the industry, these bills run counter to the people&#039;s interests.  They are designed to help big business banking who is raking in profits in the foreclosure process now.  Memphis is sinking into the abyss with foreclosures. If one were to examine foreclosure activity in Memphis alone without diluting state stats you would see a city in trouble because of the housing crash. One that will have to raise property taxes to survive. Blight, vacant houses and decreased propety tax income are taking their toll. Aside from that people are losing homes with little protection or voice to help in a non-judicial state. Dumping more houses on a devastated housing market is going to hurt, not help.  I can&#039;t imagine why those sponsoring these bills  even think this is a good thing for their constituents. This action blatantly favors big banking, adding to the difficulties people are already encountering in trying to modify loans.]]></description>
			<content:encoded><![CDATA[<p>Tennessee is usually out of step with people and in step with a Republican agenda. While other states are beginning to see the fraud in the industry, these bills run counter to the people&#8217;s interests.  They are designed to help big business banking who is raking in profits in the foreclosure process now.  Memphis is sinking into the abyss with foreclosures. If one were to examine foreclosure activity in Memphis alone without diluting state stats you would see a city in trouble because of the housing crash. One that will have to raise property taxes to survive. Blight, vacant houses and decreased propety tax income are taking their toll. Aside from that people are losing homes with little protection or voice to help in a non-judicial state. Dumping more houses on a devastated housing market is going to hurt, not help.  I can&#8217;t imagine why those sponsoring these bills  even think this is a good thing for their constituents. This action blatantly favors big banking, adding to the difficulties people are already encountering in trying to modify loans.</p>
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