I'm no smart guy, but I've essentially been saying for years that we need to band together as homeowners and collectively stand up to the banks and mortgage companies. We could then put our collective money into escrow until such time that these monolith financial corporations will be forced to negotiate with us. Level the playing field and all that rot, yes?
According to this most excellent post, it would appear that several folks with far more business acumen than I possess, are echoing the same sentiment.
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