spock -- at least I can spell.

"As far as the lame a$$es that refuse to stand for the national anthem, There's no excuse, PERIOD!! Way to go you lazy and shameful examples of the american spirit."

spock -- I see the basic concept of freedom continues to elude you. Can you say "Tory"?

mschaffer, ksand99 -- I'm not the one who started with the threats. If it matters to you look at the posts. mikegino got personal and he's on my totally irrelevant list.

LarryVegas -- you called it right.

LarryVegas -- thanx for your post. Both our views are a valid part of our right to Free Expression. When our government at least starts its respecting Constitutional limits, I'll reconsider. Otherwise don't count on me joining the same kind of lockstepping herd we still call Nazis.

Brian, cla -- your posts translate respectively to "moooooo" and "baaaahaaaa." Try something new -- thinking for yourselves.

mikegino -- if you're referring to me reconsider. You haven't seen me, judged my size or capabilities for defending myself -- I could very well be an ex-Vietnam War SEAL. Lucky for you, you're not ever likely to. So your threat is as empty as your head and your posts.

"The Fuhrer is always right." -- Joachim von Ribbentrop, the 1939 Konigsberg address

stevem -- define "poor" under your proposal in your perfect world. While you're looking it up I suggest you include "wretch" to define yourself.

"Face it, a deadbeat is a deadbeat, no matter how many times you rework his debt."

Van_Guard -- without holding the actual Note there is no "debt." It's a lot like losing a check then expecting to have the teller cash a copy of the check.

"The second program is aimed at those facing imminent risk of foreclosure by having lenders rewrite their mortgages to a more affordable payment. Under the program, the federal government provides partial funding to lenders to lower the principle or interest rates so monthly mortgage payments consume no more than one-third of a homeowner's income."

All this continued fuss over mortgages and foreclosures and still the only government programs are just band-aids. Seems no one's interested in the REAL cure -- a few words in laws requiring every lender or forecloser to present its bona fides along with every default notice. Those bona fides must include a certified copy of the actual note with a sworn statement identifying the current note holder.

After all, if the bank doesn't really own the loan -- as evidenced by its lack of proof it's the current Note Holder -- it would be fraud to modify anything it doesn't really own. And keep in mind courts are starting to void entire mortgages for this very reason.

Their Achilles Heel is found in the standard language on just about every note -- "I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the 'Note Holder.'"

Get it, dolts?? ONLY the "Note Holder" is entitled to receive your payments!! Any one else demanding payment is stealing from you no matter what they call themselves!!

So who are all the other players who keep demanding payments? If it's not the original lender, and either can't or won't show it truly is the bona fide Note Holder, how is this not fraud?? Answer that, anyone! Then look up NRS 104.3501 and use it!

"And then B of A bought out Countrywide and now holds our mortgage and its been impossible to deal with them to get a refi."

Seriously -- Countrywide was notoriously bad for having lost the notes on both its own "loans" and those they bought. BofA inherited that problem.

"Lastly, while the young man sang the national anthem, I couldn't help notice a lot of people sat and refused to stand or remove their hats. I have never seen such rude behavior in my life, and they all should be ashamed of themselves."

Owens -- right, we should all live like you and your Mayberry, Ohio, idyllic standards.

I don't stand, etc., for the national anthem, either. This country no longer deserves that respect.

AGAIN -- who did Curtin hurt? No one. This sentence was far in excess of any real crime. But then again, with more people branded as criminals, this police state we used to call "land of the free" has more people either behind bars or on parole than any other industrialized country in the world.

Thoughtcrime is alive and well and being prosecuted.

CynOb -- it appears I've been corrected.