No one else has claim to it.The scenario which you propose would require some bad actor to know that a particular note "fell behind a filing cabinet", which in and of itself is pretty unlikely.

Was this a badly negligent act or just plain stupidness?

The bad actions of one bad actor can cause us all headaches.

Hmm, some of these comments above are very interesting to me as well.I can not speak for others in this thread, but what I do know from my personal/business success/failures, the hours and hours of research/education I have logged, and my years of learning how to better my networking skills are this:- Great Athletes work with coaches- Academy Award winning actors work with coaches.- Politicians work with coaches.- Many successful CEO's work with coaches.- Mega success Oprah Winfrey has worked with a coach- Master motivator Tony Robbins has worked with a coach- Zig Ziglar is an amazing motivator/coach.- The main role of a father is that of a coach.- David Allen is a Coach (GTD has changed my life!)

Some view it as malicious.

Maybe I'm a bad actor....lol.In all honesty, I'm not sure I can recommend this or not to folks.

Happy readingSecretary’s authority as investor to encourage the servicers of the underlying mortgages, using net present value analysis, to take advantage of the Hope for Homeowners Program under section 257 of the National Housing Act or other available programs to minimize foreclosures.

RALPH, do you moonlight as an actor?

The commission of a single act by such a person or entity required to be licensed or registered under this Chapter and not so licensed or registered shall constitute a violation of the provisions of this Chapter.§1445: UNLICENSED PERSONS CANNOT RECOVER BROKERAGE CHARGESNo action or suit shall be instituted, nor recovery be had, in any court of this state by any person for compensation for any act done or service rendered, the doing or rendering of which is prohibited under the provision of this Chapter to other licensed brokers or licensed salespersons unless such person was duly licensed under this Chapter as a broker or salesperson prior to the time of offering to perform any such act or service or procuring any promise to contract for the payment of compensation for any such contemplated act of service

If we try to act or think different and creative way, we are quickly rebuked by those around us. their attitudes toward us are expressed by their verbal responses. “Don’t be so different†or “Don’t be silly†or maybe even “that wont workâ€.