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Deadly Clear 
That is sooo true; but the government is corrupted, and the banks just get free ride. It is because they purchased (though donation) the government officials, and their bills submitted without changed a word written by the banks; the congress turned green-light for the banks!
People are too poor to pay lawyers to fight even we know as homeowner we were treated, and the banks know they cheated us, but they have plenty of money to buy out politicians to against each one of the non-organized homeowners individuals one by one…… Homeowners are like being slathered sheep!!! SAD!