Miss. M

Is everyone a criminal? The answer is NO. There are some who induce crime or become subjected to its influence. The majority of our nation’s population is hardworking individuals. Everyday, I witness how banks deal with borrowers as if judgment had been rendered. This was particularly clear in the case of one Miss. Moran, or as my office dubbed it “The Curious Case of M”.

Miss. M is the mother of two children in addition to being the wife of a crippled person. She acquired a number of properties after the death of her father. The income generated provided semi – adequate support for this family of four. Miss. M, also, worked a 9 to 5 job as a registered nurse in a local senior housing.

As our nation’s economy began to recede into red territory, Miss. M began to see her income from the rental properties drop. She had some existing loans on the properties in order to cover her husband’s medical expenses. Rough times rolled into her life like a tsunami wave crushing all walls of security.

Confused and disoriented, Miss. M’s life turned upside. She heard about the Obama plan and tried to modify her existing mortgages. Running between five different banks, the pressure caught up and she failed to provide all required documentations within the given deadline. Finally, banks began a massive wave of harassment including sending agents to Miss. M work.

Cornered by massive accumulated dept in addition to daily life expenses, Miss. M read our ad in the Asian Journal and called my office. Client-In-Take service forwarded her call to my office. She scheduled an appointment for the following night as she works in the morning. I got some of her information and authorization to start investigating her case.

When Miss. M came in, she was a mess. One can easily spot the affects of her ordeal with darkened eyes and fragile words. She had many large envelopes; each carried a story and part of her story. Immediately, I called in a group of assistants and negotiators to study the documents. I even directed my staff to start processing Miss. M paperwork before the sunrise. She started tearing and began experiencing rise in emotions. A member of my staff with a degree in counseling began talking to her. She was able top calm Miss. M down.

Next morning, my staff contacted Miss. M’s lenders and began organizing loan modification packages with all the required documents. Moreover, I sent Cease and Desist letters in order to ward off the constant bombardment of harassing actions. Facing tough legal and experienced legal team, Miss. M’s lenders threw the white towel and began offering solutions.

As I write this article, Miss. M is enjoying an affordable mortgage rate which reflects the reality of the current mortgage market and value. Her lenders viewed her as a “criminal” for cashing out equity. Such lenders give themselves unwarranted authority over borrowers’ actions. They know that most borrowers can’t afford legal help. Now days, lenders penalize borrowers for the current mortgage crisis which is produced largely by greed of lenders and their loan officers.

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