After a little more research Id like to ask some questions Does Lavalle also edit his articles whilst logged out       Is the AAML solely a vehicle for Lavalle with his parents the Pews providing signatures to make it look like a real organisation Would it be fair to say that instead of being a consumer rights professional or mortgage industry professional Lavalle actually lives with his parents and spends his time writing angry reports which are hosted on free internet hosting services Does anybody else exercise editorial control over these reports or has any reputable outlet republished them Does Lavalle have any special access to information about the mortgage market other than what google will reveal plus using his parents mortgage as an example Are you Nye Lavalle I suspect the answers are yes yes yes no no and yes respectively Although Im less sure on the last one In which case Lavalles beliefs on mortgages  no matter how fervently he holds them  do not belong on wikipedia and I will try to clean up some of this mess which has been strewn across many articles If Im wrong on any of the points above I would welcome correction