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			  <title>23 Legal Defenses to Foreclosure: How to Beat the Bank.</title>
			  <link>http://www.foreclosure-fight.com/blog-list</link>
			  <description>Learn how to beat the bank at foreclosure and win damages, triple damages, punitive damages, costs of your lawsuit, and even cancellation of your mortgage.</description>
			  <generator>Mscript</generator>
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			    <title>Deficiency Collection after Foreclosure</title>
			    <description><![CDATA[
	Lenders are beginning to collect on deficiencies.&nbsp; See this interview with Attorney Troy Doucet:&nbsp;

	http://www2.nbc4i.com/news/2012/feb/21/banks-collecting-loan-balances-00439-vi-38069/
]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/deficiency-collection-after-foreclosure:25</link>
			    <pubDate>Wed, 22 Feb 2012 20:04:44</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/deficiency-collection-after-foreclosure:25#comments</comments>
			  </item>
			  <item>
			    <title>Changes to HAMP - Principal Reductions??</title>
			    <description><![CDATA[
	On January 26th, the Obama Administration and the Treasury Department announced changes to the Home Affordable Modification Program and the Home Affordable Refinance Program to encourage more troubled homeowners to apply.

	&nbsp;

	The Obama Administration first introduced HAMP and HARP as its si]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/changes-to-hamp-principal-reductions:24</link>
			    <pubDate>Fri, 3 Feb 2012 13:17:01</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/changes-to-hamp-principal-reductions:24#comments</comments>
			  </item>
			  <item>
			    <title>Ohio Law Firm Facilitates Bad Bank Foreclosures</title>
			    <description><![CDATA[
	Lerner, Sampson, and Rothfuss&rsquo; staff signs mortgage assignments on behalf of defunct companies to support its client&rsquo;s ability to foreclose in court.

	&nbsp;

	Columbus, Ohio &ndash; One of the largest foreclosure law firms in Ohio, Lerner, Sampson, and Rothfuss (&ldquo;LSR&rdquo;), i]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/ohio-law-firm-facilitates-bad-bank-foreclosures:23</link>
			    <pubDate>Thu, 12 Jan 2012 10:44:15</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/ohio-law-firm-facilitates-bad-bank-foreclosures:23#comments</comments>
			  </item>
			  <item>
			    <title>Free Foreclosure Self-Help Seminar March 8</title>
			    <description><![CDATA[
	Attorney Troy Doucet is offering a free seminar to help homeowners navigate the foreclosure process in court. This seminar will feature an overview of the foreclosure process in Ohio, and show homeowners how to employ the most widely used foreclosure defenses without an attorney. It will feature t]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/free-foreclosure-self-help-seminar-march-8:22</link>
			    <pubDate>Sat, 19 Feb 2011 14:35:16</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/free-foreclosure-self-help-seminar-march-8:22#comments</comments>
			  </item>
			  <item>
			    <title>Best Foreclosure Defense: TILA Rescission</title>
			    <description><![CDATA[
	TILA rescission is the best foreclosure defense because it enables homeowners to unwind their entire mortgage transaction and get a refund of nearly all money paid to the lender, including monthly interest and closing costs.&nbsp; A subset of TILA, called HOEPA, offers even greater benefits that c]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/best-foreclosure-defense-tila-rescission:21</link>
			    <pubDate>Thu, 3 Feb 2011 21:16:35</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/best-foreclosure-defense-tila-rescission:21#comments</comments>
			  </item>
			  <item>
			    <title>Consumer Financial Bureau Launches Website</title>
			    <description><![CDATA[
	The Consumer Financial Protection Bureau launched its new website at&nbsp; http://www.consumerfinance.gov/&nbsp;and can now receive suggestions and consumer complaints.&nbsp;
]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/consumer-financial-bureau-launches-website:20</link>
			    <pubDate>Thu, 3 Feb 2011 21:10:29</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/consumer-financial-bureau-launches-website:20#comments</comments>
			  </item>
			  <item>
			    <title>Beware of Entering into Short Sales</title>
			    <description><![CDATA[
	If you are in financial trouble, beware agreeing to a short sale with your lender if that means you will be contractually obligated on any deficiency between the loan and the sale price.&nbsp; That is, if the property sells for $80,000 and you owe $100,000, be cautious about agreeing to the sale i]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/beware-of-entering-into-short-sales:19</link>
			    <pubDate>Tue, 1 Feb 2011 16:02:29</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/beware-of-entering-into-short-sales:19#comments</comments>
			  </item>
			  <item>
			    <title>Spouse on Deed But Not Mortgage</title>
			    <description><![CDATA[
	If a spouse is on the deed but not on the mortgage, your lender has serious problems!&nbsp; Seek a real estate lawyer immediately!!

	&nbsp;

	The deed is the document that transfers interest in a property from one party to another (different from a deed of trust).&nbsp; A deed usually provides th]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/spouse-on-deed-but-not-mortgage:18</link>
			    <pubDate>Sat, 29 Jan 2011 19:01:33</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/spouse-on-deed-but-not-mortgage:18#comments</comments>
			  </item>
			  <item>
			    <title>How to Get a Mortgage Loan Modification</title>
			    <description><![CDATA[
	Here are ten easy steps to securing a loan modification from your bank servicer, based on my work with homeowners seeking loan modifications:

	&nbsp;

	
		Call the servicer and obtain a copy of its loan modification application.
	
		Fill it out.
	
		Obtain all the documentation sought and attach ]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/how-to-get-a-mortgage-loan-modification:17</link>
			    <pubDate>Wed, 26 Jan 2011 18:56:29</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/how-to-get-a-mortgage-loan-modification:17#comments</comments>
			  </item>
			  <item>
			    <title>Abysmal Modification Results Come Out in New Study</title>
			    <description><![CDATA[
	&quot;We study the effects of securitization on post-default renegotiation of residential mortgages over the current financial crisis. Unlike prior studies, we employ unique data that directly observes lender renegotiation actions and covers more than 60% of US mortgage market. Exploiting within-s]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/abysmal-modification-results-come-out-in-new-study:16</link>
			    <pubDate>Wed, 26 Jan 2011 07:54:25</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/abysmal-modification-results-come-out-in-new-study:16#comments</comments>
			  </item>
			  <item>
			    <title>Foreclosure Defenses After Bankruptcy</title>
			    <description><![CDATA[
	When someone files bankruptcy, all the causes of action and counterclaims that they have as of the date of filing are included in the bankruptcy estate (usually as unliquidated damages), irrespective of whether those claims are specifically mentioned in the schedules.

	&nbsp;

	That means that a ]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/foreclosure-defenses-after-bankruptcy:15</link>
			    <pubDate>Thu, 20 Jan 2011 18:09:26</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/foreclosure-defenses-after-bankruptcy:15#comments</comments>
			  </item>
			  <item>
			    <title>Ibanez Case and Standing</title>
			    <description><![CDATA[
	In ruling that U.S. Bank and Wells Fargo had to own mortgages before foreclosing on them, one judge put an end to a two-year saga that left two families without their homes.&nbsp; While the banks tried to convince Massachusetts Land Court Judge Keith Long that the foreclosure sales the banks held ]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/ibanez-case-and-standing:14</link>
			    <pubDate>Mon, 10 Jan 2011 18:24:57</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/ibanez-case-and-standing:14#comments</comments>
			  </item>
			  <item>
			    <title>HAMP is Irrelevant</title>
			    <description><![CDATA[
	With the Nevada and Arizona Attorneys General filing suit last month (December, 2010) against Bank of America, it is more apparent than ever that HAMP is irrelevant.&nbsp; Despite the Treasury&#39;s efforts to ensure lenders&rsquo; participation in the Home Affordable Modification Program (HAMP) p]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/hamp-is-irrelevant:13</link>
			    <pubDate>Tue, 4 Jan 2011 17:37:13</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/hamp-is-irrelevant:13#comments</comments>
			  </item>
			  <item>
			    <title>Troy Doucet Opens Law Firm</title>
			    <description><![CDATA[
	The author of 23 Legal Defenses to Foreclosure, Troy Doucet, is pleased to announce the opening of his foreclosure defense law firm in Columbus, Ohio.&nbsp; He will be assisting borrowers facing foreclosure in and around the Columbus, Ohio area.&nbsp;

	Learn more about Troy Doucet and his new law]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/troy-doucet-opens-law-firm:12</link>
			    <pubDate>Tue, 9 Nov 2010 07:59:01</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/troy-doucet-opens-law-firm:12#comments</comments>
			  </item>
			  <item>
			    <title>New Foreclosure Checklist Website</title>
			    <description><![CDATA[
	If you are an attorney and would like access to our checklist site to evaluate your client&#39;s loan for 23+ legal defenses, please visit http://www.checklistforeclosure.com.
	
	This service is only available for attorneys at this time.&nbsp; If you are not an attorney, please refer this website ]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/new-foreclosure-checklist-website:11</link>
			    <pubDate>Tue, 12 Oct 2010 19:57:50</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/new-foreclosure-checklist-website:11#comments</comments>
			  </item>
			  <item>
			    <title>Countrywide Will Pay $108 Million for Overcharging Struggling Homeowners; Loan Servicer Inflated Fees, Mishandled Loans of Borrowers in Bankruptcy</title>
			    <description><![CDATA[
	Two Countrywide mortgage servicing companies will pay $108 million to settle Federal Trade Commission charges that they collected excessive fees from cash-strapped borrowers who were struggling to keep their homes. The $108 million represents one of the largest judgments imposed in an FTC case, a]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/countrywide-will-pay-108-million-for-overcharging-struggling-homeowners-loan-servicer-inflated-fees-mishandled-loans-of-borrowers-in-bankruptcy:10</link>
			    <pubDate>Mon, 7 Jun 2010 20:12:26</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/countrywide-will-pay-108-million-for-overcharging-struggling-homeowners-loan-servicer-inflated-fees-mishandled-loans-of-borrowers-in-bankruptcy:10#comments</comments>
			  </item>
			  <item>
			    <title>HUD's Due Diligence Requirements Pre-Foreclosure; Max Attorneys Fees</title>
			    <description><![CDATA[
	Use this letter as a defense to foreclosure by arguing that it creates a condition precedent to foreclosing.&nbsp; The borrower should argue that they are a third party intended beneficiary of the contract between the lender and HUD.&nbsp; This applies to FHA loans, Freddie and Fannie offer simil]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/huds-due-diligence-requirements-pre-foreclosure-max-attorneys-fees:9</link>
			    <pubDate>Sun, 6 Jun 2010 17:11:56</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/huds-due-diligence-requirements-pre-foreclosure-max-attorneys-fees:9#comments</comments>
			  </item>
			  <item>
			    <title>Foreclosure Defenses Galore</title>
			    <description><![CDATA[
	23 Legal Defenses to Foreclosure is a book that walks consumers and lawyers through the elements of 23 separate methods of fighting foreclosure.&nbsp; The book contains a list of another 30+ foreclosure defenses on page 237 (it&#39;s 440 pages total).&nbsp;

	Recently, I was reminded of the import]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/foreclosure-defenses-galore:8</link>
			    <pubDate>Sun, 6 Jun 2010 16:54:28</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/foreclosure-defenses-galore:8#comments</comments>
			  </item>
			  <item>
			    <title>Credit Card Agreements Online</title>
			    <description><![CDATA[
	The FTC now has a website where you can search your credit card company&#39;s agreement online.&nbsp; The searchable database can be found at http://www.federalreserve.gov/creditcardagreements/.]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/credit-card-agreements-online:7</link>
			    <pubDate>Tue, 1 Jun 2010 19:11:12</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/credit-card-agreements-online:7#comments</comments>
			  </item>
			  <item>
			    <title>How Big Mortgage Debt Could be Good for You</title>
			    <description><![CDATA[
	Most of the people with mortgages wish those balances would decrease just as fast as possible.&nbsp; The sooner the mortgage is paid, the more financially secure they will be.&nbsp; For most, that is true.&nbsp; However, for some, mortgage debt might be a great long-term financial tool - if certai]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/how-big-mortgage-debt-could-be-good-for-you:6</link>
			    <pubDate>Thu, 20 May 2010 07:14:06</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/how-big-mortgage-debt-could-be-good-for-you:6#comments</comments>
			  </item>
			  <item>
			    <title>Get an Assumable Mortgage!!!</title>
			    <description><![CDATA[
	If you are refinancing or modifying your loan, then I recommend doing what you can to ensure that it is assumable.&nbsp; An assumable loan means someone else can acquire your mortgage (and make payments on it) when you sell the home.&nbsp;

	Assumable loan clauses are standard in VA and FHA mortga]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/get-an-assumable-mortgage:5</link>
			    <pubDate>Fri, 30 Apr 2010 18:57:08</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/get-an-assumable-mortgage:5#comments</comments>
			  </item>
			  <item>
			    <title>Law Firm "Foreclosure Mills" May Not Litigate</title>
			    <description><![CDATA[
	I have discovered that some law firms that handle large numbers of foreclosures do not litigate files when pressed with counterclaims or slightly complex litigation (when depositions are noticed).&nbsp; Instead,&nbsp;the initial firm is only there to file the foreclosure and obtain a default judgm]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/law-firm-foreclosure-mills-may-not-litigate:4</link>
			    <pubDate>Mon, 26 Apr 2010 07:28:54</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/law-firm-foreclosure-mills-may-not-litigate:4#comments</comments>
			  </item>
			  <item>
			    <title>Can a Credit Card Company Take Funds From my Bank Account?</title>
			    <description><![CDATA[
	&nbsp;

	The short answer is no, not without your permission or a judicial order.

	
		The Electronic Funds Transfers Act (EFTA) in the Consumer Credit Protection Act (CCPA), codified at 15 USC 1693a, et seq., governs electronic fund transfers to and from accounts.&nbsp; It&rsquo;s a very sh]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/can-a-credit-card-company-take-funds-from-my-bank-account:2</link>
			    <pubDate>Wed, 21 Apr 2010 17:44:03</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/can-a-credit-card-company-take-funds-from-my-bank-account:2#comments</comments>
			  </item>
			  <item>
			    <title>Foreclosure Expert Cautions Homeowners Against a New Scam</title>
			    <description><![CDATA[
	Troy Doucet, author of 23 Legal Defenses to Foreclosure, cautions homeowners against a new foreclosure scam that requires a transfer of ownership in the home as part of the scam. &nbsp;Transferring ownership can end significant legal defenses the homeowner could have otherwise raised in foreclosu]]></description>
			    <link>http://www.foreclosure-fight.com/blog/tdoucet/foreclosure-expert-cautions-homeowners-against-a-new-scam:1</link>
			    <pubDate>Wed, 21 Apr 2010 17:22:04</pubDate>
			    <comments>http://www.foreclosure-fight.com/blog/tdoucet/foreclosure-expert-cautions-homeowners-against-a-new-scam:1#comments</comments>
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