BRIEF,PRIMER,FIGHTING,PREDATORY LENDING,JUMP,NAVIGATION,VOLUME 2,NUMBER 1,TABLE OF CONTENTS,MELISSA,COVERAGE,MAINSTREAM MEDIA,THE PAST,INCREASE,TRADITIONAL,LENDING,THE MAKING OF,INTEREST,NEGATIVE AMORTIZATION,LOANS,MEDIA,OBSERVATION,CREATIVE,GREATER,PERCENTAGE,HOMEOWNERS,THE UNITED STATES,CLOSER,INSPECTION,EUPHEMISM,RISE,ROSY,OPTIMISM,THE IMAGE,PROUD,HOMEOWNERSHIP,DARKER,REALITY,TANDEM,NUMBER,AMERICANS,RANGE,COLLECTIVELY,CONSEQUENT,FORECLOSURES,THE NATION,TERM,USED TO,DESCRIBE,VARIETY,MISLEAD,CONSUMERS,GOUGING,FEES,USURIOUS,INTEREST RATES,THE CONTEXT,MORTGAGE LOANS,STRIP,EQUITY,IN ESSENCE,FIRST BLUSH,APPEAR,BUYING,DESTROY,THE POSSIBILITY,AUTHENTIC,OWNERSHIP,HISTORICALLY,VICTIMS,ELDERLY,ETHNIC,AFRICAN AMERICANS,HISPANICS,THE VICTIM,PROFILE,CHANGING,VICIOUS,SOPHISTICATED,PREVALENT,YOUNG,WHITE,AT RISK,POPULATIONS,COMPRISED OF,KICKBACKS,MORTGAGE BROKERS,YIELD SPREAD,BROKER,LOAN,INTEREST RATE,THE BORROWERS,THE HIGHER,RATE,THE BROKER,KICKBACK,LENDER,LENDERS,PAYMENTS,HIGHER,THE BORROWER,AFFORD,FALSIFYING,APPLICATIONS,STATE,LOAN APPLICATION,BORROWERS,INCOME,GREATER THAN,REALLY,ORDER,FACILITATE,ADDING,ADDS,FAKE,FORGING SIGNATURES,SIGNATURE,DISCLOSURE,PAYING OFF,MORTGAGES,IN EXCESS,OF 10,LOAN TO VALUE,BAIT AND SWITCH,TACTICS,TERMS,CLOSING,HIGH,ANNUAL,POINTS,CLOSING COSTS,LOAN ORIGINATION,BALLOON PAYMENTS,PRINCIPAL BALANCE,RATHER,APPRAISAL,COSTS,VALUES,RECORDING,BOGUS,UNDERWRITING,IN FACT,BROKERS,CHARGING,CREDIT,INSURANCE,DISCLOSE,BUYER,COMMISSION ON,MANDATORY ARBITRATION,CLAUSES,LINES OF CREDIT,OPEN ENDED,FORCED,HOMEOWNERS INSURANCE,CLAIMS,HOMEOWNER,GETS,COMMISSION FOR,SELLING,REFINANCING,FLIPPING,DAILY,PREPAYMENT PENALTIES,FORECLOSURE,IMPROVEMENT,SCAMS,FEDERAL LAW,LAWS,AVAILABLE,HELP,ADDRESS,HARM,FEDERAL,LEGISLATION,PROTECT,THE TRUTH,TILA,15 U S C,THE REAL,ESTATE,SETTLEMENT,RESPA,12 U S C,REGULATIONS,DERIVED,THE FEDERAL,STATUTES,COMMENTARY,BENEFIT,SUITS,PREDATORY,CONSUMER PROTECTION ACT,COMMON LAW,CAUSES,ACTION,FRAUD,NEGLIGENCE,UNJUST ENRICHMENT,INTENTIONAL INFLICTION OF,EMOTIONAL,DISTRESS,UNCONSCIONABILITY,PREVAIL,PREVALENCE,RATES,FORECLOSURE RESCUE,EVER,THIRD PARTY,FALLEN,BEHIND,MORTGAGE,OFFERING,THE HOMEOWNER,SIMPLEST,VERSION,FLY BY NIGHT,COMPANY,OFFERS,NEGOTIATE,ARRIVE,SORT OF,WORKOUT,PHYSICAL,PRESENCE,MAILBOX,RENTAL,WEBSITE,GENERALLY,CHARGES,PAYMENT,UP FRONT,PROMISES,FUNDS,PAID,UNAVAILABLE,SHOULD,POSSIBLE,PERNICIOUS,SCAM,SAVIOR,SAVE,PERSUADES,SELL,THE HOME,INVESTOR,INVOLVED,CONTINUE,LIVING,RENTING,AGREEMENT,PRICE,THE PRICE,CASES,THE ORIGINAL,PURCHASE,RENT,EQUAL TO,AMOUNT,PRIOR,IMPROBABLE,FORTUITOUS,CHANGE,CIRCUMSTANCES,HOW MANY,LOTTERY,TRANSACTION,DESTINED,FAIL,MEET,ABLE,MONTHS,THE RESCUE,ADDITION,SLANDER OF TITLE,ARTISTS,ADDRESSING,LICENSING,REAL ESTATE,SALES,RESOURCES,WISH,ACTIVE,CONSUMER LAW,ASSISTANCE,ADVICE,THOROUGH,PRINT,VOLUMES,PUBLISHED,THE NATIONAL,VOLUME,DEDICATED TO,ANALYSIS,LAW,CONSUMER BANKING,SAMPLE,PLEADINGS,INTERROGATORIES,USEFUL,DOCUMENTS,THE NATIONAL ASSOCIATION OF,CONSUMER,ADVOCATES,NACA,PRACTICE,ATTORNEY,SEATTLE,FOCUSED,LITIGATION,BANKRUPTCY,SOUTHWESTERN UNIVERSITY SCHOOL,LOS ANGELES CALIFORNIA,THE STATE,CALIFORNIA,WASHINGTON,NINTH CIRCUIT COURT OF APPEALS,DISTRICT COURT,THE CENTRAL DISTRICT OF,THE WESTERN,DISTRICT,EASTERN DISTRICT OF,WASHINGTON IN,PRO BONO,WORK,MEMBER OF THE BOARD,THE KING,COUNTY,BULLETIN,CHAIRPERSON OF,THE P,C,SUBCOMMITTEE,KING COUNTY,COALITION FOR RESPONSIBLE,ASSOCIATE MEMBER OF,THE ASSOCIATION OF,MEMBER OF THE NATIONAL,ASSOCIATION OF,