I am so fed up with the bloody nay sayers out there.

I am so fed up with the bloody nay sayers out there. I am so bloody fed up with those who wish to turn the loan Restructuring/Loan Modification business over to the banks and or the attorneys. Who the heck got us into this reprehensible situation in the first place.

Well we are giving it back to them if we don't watch out.

The banks will do EVERYTHING in their power to retain their money (they have a profit to maintain and shareholders to pay). You think they care about you? Even if you are a shareholder.... If you said yes then you are living any where else but here on earth. No, the banks are out for only one thing and that is to preserve their Bottom line, their Profits, their Salaries. And how will they do that, by making sure you accept an loan on their terms so they can make the best of a bad deal that they underwrote to start with. Martin Andelman wrote a splendid article that I advise everyone to read and digest. http://mandelman.ml-implode.com/2009/06/former-sub-prime-lenders-are-back-to-profit-off-the-mess-they-made-seriously/ In this he really makes you understand just a little of what the Banks are all about.

Ask yourself this one question. When you are on hold with your bank do they say "This is an attempt to collect a debt" or do the say "This is an attempt to modify your loan". If they truly had your best intentions in mind they would, (and if they say the latter then go for it), unfortunately I have never heard them say it and most likely will have to wait a very long time before I do (hell will freeze over first in my opinion) but please call me if you do.

Attorneys,,,,will tell you that only they can help you. B.S. With bells on. Only a few states require an attorney intervention and then in particular circumstances such as foreclosure, (then they are worth it) otherwise the borrower is paying through the nose and are Most definitely the Most expensive. Most of them are breaking the very law they tell you, that they and only they can do. By outsourcing the business end to me they are not representing you, we are since we do the negotiating. I know, first hand.They pay me to do their work. And I can prove this. But I won't because it would hurt my business and my income (unless someone is willing to pay me more, any callers ?????).

Crooks. And I mean crooks. Those that would take your house, your dreams, your hopes. This is huge, independent group and are actively out to scam you. One particularly nasty scheme is to take your money and do nothing until your foreclosure date is upon you then advise you that the best possible solution is to do a short sale, oh and by the way they will offer you 70 cents on the dollar. Beware of all of the scams out there. The brokers and attorneys I know are good people and I am very happy to be working with them but there are always those who will take advantage of you.

If they say it is free, guess what..... they lie. Beware no one works for free, for nothing, not the banks, not the attorneys, not even the government. We, the tax payer are paying them. Who pays those that don't work for the government??? if not you, then who? Are the banks working for free?? don't make me laugh. Will you work for free? If so I have a job for you. Please call 555.5555 Oh and please give me your SS number, date of birth and bank account details aswell. Thank you so much, I'll be in touch.

The answer to all of this is not a simple nor a one line answer, it is complex, the business is complex. And my friends is that. Every loan, every person, every home, each is and by definition has to be, wait for it. Different. It can not be any other way. Every persons situation is unique, every person needs to be represented, to feel that they are empowered to look to their own well being. This can only be accomplished by allowing the free market to truly work as the free market should. The market itself will regulate itself. Satisfy the clients needs and accomplish the goal and reap a small but worthy fee. No reward. No Market. No loan. No Home

Ladies and Gentlemen of this industry. I implore you to be responsible. Home owners I implore you to be realistic and understand that the bank is not your friend. Like you, they are after their and only their best interests.

Thank you for reading this.

PS I just bought more stock in Bank of America. Great price and it will go up.