DEBT AND GONE: Independent Foreclosure Review www.homepreservationnetwork.

com By Robin Postell The Independent Foreclosure Review, driven by the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency, have persisted in their efforts to get homeowners to participate in this stab at virtue - a way to show the public, the victimized public and those empathetic enough to care about their plights, that they actually care that mortgage big shots, such as Chase, BOA, GMAC (now ALLY), Wells Fargo, et al., were clearly using underhanded, blatantly criminal methods of foreclosure to serve their own nefarious motives. The fact that many of the homeowners affected by this were in fact in default on their loans is irrelevant, which is arguable depending on who you wrangle with over the issue. The point of the IFR is that, upon the 2010 investigation of mortgage behemoths and their henchmen (i.e., servicers and affiliated entities), it was indeed discovered that there had been an egregious misuse of power and advantage - for the purpose of greed's fulfillment, certainly, and perhaps more disturbing, to satisfy a new breed of white collar criminal psychopathy our culture has only barely acknowledged and is sure to be schooled in the hard way. The public tends to forget that there are millions, billions if you want to stretch back historically, of individuals, institutions, governments which have taken extravagant strides to undermine those weaker or vulnerable in some way - any way, often. There is a criminal vibration within humanity which is nothing new, yet is clothed in the garments of typically trusted archetypes. Wall Street is nothing more than a breeding ground now for heinous crimes against humanity; the absence of blood from mortal wounds, however, seems to create a convenient veil over this miscreant sociopathic strain whose net worth manages to afford invisibility, immunity and even respect in spite of their obvious delight taken when choosing victims less sophisticated to prey upon and take down with a totality which no doubt has killed, or caused the deaths of, countless individuals who unwittingly stumbled into their gnashing traps. Be not naive. "Evil," trite now as the term is in a world of far more than a mere 50 shades of gray, is rampant amongst us all - your neighbor, your daughter, your husband, your grandfather...very possibly you...are no better, no less prone to the devolutions of being flesh in a world full of sinister allure designed to unravel even the finest soul's inner god. Therefore when I have received in the mail notice that the Federal Reserve, no innocent in any frame of reference, is intent to see my documentation and make right, should there be some evidence of misdeeds upon my account, I take pause. Since first receiving notice of the IFR almost a year ago (acknowledging that all 3 of the properties to which I have been personally attached were foreclosed upon between the time period of August 2009 and December 2010, thus making me eligible for possible compensation), my life has made sharp turns rather than circles having determined jumping off the merry-go-round which was clearly making me sick and dizzy would probably make possible doing all

the things I have always done, and done well and hard and good, without the lurking sense of futility hanging overhead with its anvil cloud of dread and fury. Certainly, some hope glimmers yet, since I'm aware not everyone who has suffered loss of property through illegal foreclosure fell within this specific span. This is where you dare to dream, besmirching yourself for maintaining innocence even after being raped and sodomized by a system you once assumed barely knew you were alive. Finding out you were their favorite dish on the menu was damn right eerie. The deadline for the IFR was originally May, then extended to the end of July, and has been extended now till December 31st - because so few who qualify for this redemptive opportunity have applied. Either because they don't feel like it, energy for this type of activity somewhat sapped by the experience itself; and others who don't believe there's anything legitimate about it whatsoever, so why even bother? I fall somewhere in between. I will follow through with this, since there's nothing to lose at this point. The latest dispatch received states in bold, "FINAL NOTICE" on the left front of the envelope, and within is enclosed high-end production inserts in different languages obviously made as user-friendly as possible - going so far as to offer those who need help filling out the review information. I thought about that. But maybe I'll sink my teeth in one last time, having whittled down my documents to one medium-sized crate considerably more manageable than the two rooms I'd filled with what I determined was pertinent data essential for ultimate comprehensive absorption of what had befallen me. Maybe I'll do it today. But I'm sitting here, looking out the window, and it's so goddam beautiful, and I've got so many things I can't wait to do, stacked to the ceiling, calling for me. This is the thing - do I wanna do this IFR? According to the IFR information provided, I could get up to $125,000 plus equity, depending on the level of awfulness used to derail me. I could care less about getting the house back. The family living there now is so nice; a teacher who tutors my best friend's kid in algebra since she lives just next door. They got the house for dirt cheap, something like $27,000 which of course is ridiculous considering GMAC would settle for nothing less than $58,000+ (an exorbitant, inflated amount accrued over a year's time during which all payments were refused, no statements were sent, a half dozen of more bogus loan modification applications were sent over and over, yadda blah snorezzzzz, until all my equity was stripped and I was being ignored and denied due process by my local Superior Court Judge Dane Perkins and the deputies commissioned to break down my door and remove me from the premises. They are strategic bastards who worked hard to make me feel as crazy as they are - so I don't want to play with snakes anymore when I know they'll bite and I'll be the sucker who picked them up knowing damn well they were snakes that bit for kicks, out of plain old natural instincts.

I'll keep you posted on the outcome of this, since I've seen very little about anyone's experiences with the IFR process. Join us again for the next episode when Robin stumps her toe.... Again! Hisssss.......