Thus, borrower remains in default on F/F loan -- despite a subprime refinance -- and borrower can never refinance with an F/F again -- They are doomed if they miss even one payment on the false collection rights -- and will never recover because always held in default -- on both the F/F loan and the collection rights. BUT BORROWERS should not be paying on fraud!!!! They have a right withhold payments on fraudulent debt. All fraudulent, all in violation of consumer protection laws -- and, because the "creditor" of collection right never validates the "debt" -- by disclosing the actual creditor to the false default debt -- in violation of FDCPA and May 2009 TILA Amendment. Meaning borrowers should not be paying anything -- because of fraud and violation of federal statutes." Carrie, don't expect Propublica to do the necessary work they are intended to do which is to defend the weak exploited by the strong. Propublica is funded by the Sandler Foundation. The same Sandlers that were the heads of World Savings that was sold off just prior to the collapse. I know personally because I worked there for many years. Pam -- -so who the heck can we turn to -- -to write and expose the truth?  I know someone who has all kinds of information about all the "loans' being ONLY collection rights and not real loans -- -but they are in litigation so no reporter will talk to them...almost EVERYONE (in a house or condo),