Thanks for the replies. I am fortunate because Citi really messed up with the 'repayment plan' papers. I have never liked attorneys, and have had
thousands stolen from me from bad attorneys, over my lifetime. However, my attorney actually emails me and reaches out to me when I contact him. I
am shocked to have found an attorney with a soul.
I am asking that my title be quieted, and all funds that were taken from me and misapplied, be refunded to me. My attorney says that Citi will most
likely not provide the information we have demanded, simply because they don't have it. The property is in Arkansas....where the recent MERS
decision was once again upheld.
My plea, is for people not to give up. There are some great resources for people including the websites:
[url=http://www.maxgardner.com/]O. Max Gardner Bankruptcy Bootcamp
I have tons of information if anyone needs referrals to information regarding foreclosure or bankruptcy. Filing bankruptcy is a viable option to stop
a foreclosure, and there are ways to work it to your advantage, like listing your home as 'unsecured', until the bank can prove it's standing (free
home anyone?). United, we can destroy this beast that holds us in-debt from cradle to grave. But we must support one another.
I think that we create a Patriot bank that loans money based on the underlying asset. Refinances would be easy, and new loans would be based
primarily on the value of the asset, and secondly by the credit of the individual. There was a time when people actually had to put money down on a
home or car mortgage. This down-payment made the buyer have some 'skin' in the game. We need to start lending the right way. Interest rates
should never exceed 5%. I'm just rambling, but it isn't rocket science. We should be able to emulate the older banking traditions.