What about the lenders and banks who authorized the lending practices that facilitated this?

There is no honor in what you're advocating if you're promoting the works of such authors.

I read somewhere that the typical traditional author makes about $2 per book.

Readers of this thread may want to check out the link at http://www.hsainsider.com/Individual/Benefits.aspx as they claim to be a leading authority on Health Savings Accounts.In answer to Brian, yes you do have to have a HDHP (high deductible health plan) to setup the HSA.

I'm reading a book on investing in pre-foreclosures and the author recommends sending letters to owners in default indicating you are an investor and are interested in purchasing their property.

`(d) Insurance of Mortgages- The Secretary is authorized upon application of a mortgagee to make commitments to insure or to insure any eligible mortgage that has been refinanced in a manner meeting the requirements under subsection (e).

You statement reminds me of the many gurus who prey on unsuspecting victims.I think there is nothing unethical about it - that is what people do to negotiate.Any book on negotiations teaches to use a higher authority to negotiate - or at least the ones that I read. ( http://www.amazon.com/s/ref=nb_ss_gw?

That is the sort of stuff that tends to draw the attention of law enforcement authorities like attorney general and district attorney.

I worked for 3 years in my city's local housing authority.

I started at a low number and authorized him to go up to a specific dollar amount (in this case, it was list).