About the Author
I created this blog site because I am outraged at what is happening to our country. I want to do what I can to catalyze change in our nation and its leadership. We need a re-emergence of real leadership. I am disgusted at how government has allowed millions of Americans to lose their jobs and homes while they have bailed out corporate criminals who are doing nothing more than fleecing hard-working Americans day after day. It’s absolute absurdity! It’s time we focused our energy on fighting the War on the Home-Front folks. Join the army… it’s growing daily.
ABOUT ME
I am married and have two boys, 6 & 8 yrs. old. I am a veteran and served in the US Army as a combat field medic. After returning to civilian life I worked as a nurse in intensive care units for 5 years.
I have eight years experience in the mortgage banking and finance field along with over six hundred (600) hours of research and study in the areas of the Truth in Lending Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Foreclosure Litigation, Asset-Backed Securitization and its effects and applications in Foreclosure and Loss Mitigation. As a Forensic Consumer Debt Analyst, I specialize in helping victims of predatory loans, servicing abuse, servicer fraud and foreclosure fraud on behalf of consumers and the attorneys who represent them. I maintain regular continuing education in banking and finance in the state of Florida. I also maintain an active real estate license in Florida.
I fully believe that lending can be done responsibly and, in the process, lenders can help people achieve their dreams. Not all mortgage brokers or lenders are bad. There really are good people in the mortgage and banking industry. The housing boom unfortunately attracted a lot of unscrupulous and un-American people into the mortgage industry.
The core of my practice involves crisis and foreclosure intervention, problem resolution, and mediation on behalf of borrowers who are experiencing difficulties with their mortgage servicers and who may be victims of predatory lending practices and/or foreclosure fraud whereby a party files foreclosure who does not have ownership interest in the debt. I rely upon the objective data produced incident to auditing their loan transactions, servicing disclosures and other documents as the basis for negotiating fair-minded solutions that avert litigation, preserve homeownership, and protect the certificate-holders and investors who have an equal but opposite interest at stake.
A significant portion of my practice consists of providing litigation support services to attorneys who represent clients that have been negatively impacted by harmful, irresponsible or abusive practices in the origination and servicing of these complex transactions.
I am also the Founder & CEO of Herocare, Inc. In 2005 I started developing HEROCARE in an effort to help out the people who are the core of our country and the core of the forgotten middle class – our essential service workers like our military, police, fire, teachers and nurses, just to name a few. Herocare has grown incredibly fast and is now operating in 21 states and about 50 counties across the US from Florida to Hawaii.
In the process of building Herocare, two common requests kept coming up… “I need help with foreclosure” and “I need help with my debt and credit.” These common requests prompted me to spend hundreds of hours of research which still continues to this day. What I have uncovered has both enraged me and impassioned me to help the “little guy” fight the “big guys” in the classic David vs. Goliath showdowns every day. We are being defrauded by an entire system and government that literally cleans our clocks every day. The only thing we can do is “get off the sidelines” and fight – lest we become indentured in modern day slavery.
I am here to help if you need and don’t mind you asking for it.
I can be reached by email at Lane@thePatriotsWar.com
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© Lane A. Houk – 2009- All Rights Reserved
