I work at a body shop 40hrs a week and no weekends. 

Flooded basements with 3" standing water, structural damage cracks I could almost fit half my body into, black mold in every room.

So they create their own competition as it were.However if you released a lot more suburban acreage so there was no shortage dirt prices would be lower and housing would be lower in the burbs..

The condo is literally across the street from Fort Lewis college (liberal arts college with student body of 4,000).

I talk to the attorney and he tells me the bank released the entire lien on the previously transaction, instead of just doing a partial lien release.I went ahead and paid the bank off because I do lots of business with them, but what could they have done if I didn't?

Is there any body in the Bronx who I can network with? 

They can then release additional funds to me from the original mortgage and save the cost of creating a new mortgage for the refinance.  

I'm sure you've heard about a sculpture chipping away on a stone to release what's already there and not to create something new. 

(although, I have not heard of a lender calling a note due, the risk is always there)- The home owner will need to sign an Authorization to Release Information form.

It's up to the homeowner to get it removed after paying the fine ( a release of lien filed by the same POA).