Incidentally, I've been involved in a consumer litigation before.  

I also must say this site is also a wealth of knowledge i must consume and hopefully in time i will until then hi all and thnx biggerpockets

A lot of what is starting to happen here in Ohio is in the form of consumer protection.

In almost every consumer security instrument I have seen there are two clauses which are always in them:1. a "due on sale clause" the language reads that in the event the parties who sign the security instrument sell or convey their interest to another person (a jural person) or entity it will allow the lender to hold the parties in default, and trigger its remedies... acceleration, lawsuit, and possibly an action at equity to rescind the conveyance... nasty stuff in general...Its hard to put to paper... easy to verbally explain...2.

I think legislators will probably require consumers to qualify at the highest rate of the adjustable product (piti).

The consumer is completely tapped out - upside down on their houses and out of cushion on their credit cards.

Short sales are often too time consuming and not a great deal as many believe.

It is time consuming.

As Stephani said, the least time consuming method is going to be to hire a skiptracer.If you want to do it yourself, here are a few tips.1.

His ideas included:Immediate implementationNo Tax IncreasesBolster business and consumer spendingTax rebate checkNo Spending ProjectsAnyone have any thoughts?