In the world of securitized mortgage loan defense, I’ve found from past experience that I will never be able to say that I’ve seen it all. That is because something new and surprising always seems to be lurking around every corner.

Recently, we were approached by George, who has struggled with his mortgage since 2004. George fell behind at that time because his wife had medical problems, with corresponding exorbitant medical expenses.

Several years ago, Ohio, along with about ten other states, was awarded federal funds for the purpose of providing homeowners mortgage relief under a program known as Hardest Hit. Ohio’s share of funds amounted to just under $600 million.

In almost every case we handle, we see the absolute cruel torture that the banks put homeowners desperate to save their homes through as they seek mortgage relief. One of the most dramatic examples of this phenomenon is seen in the story of Tim and Sandra Hake.