Do you know who holds the promissory note to your mortgage? The legal document that shows that you really owe that debt? Really, are you sure? So many mortgages have been securitized, sliced and diced, sold and resold, that the paper trail from your local bank to Wall Street is murky and flawed. In some instances, the promissory note may even have been destroyed.

Every day the financial crisis continues to hit home for families being foreclosed upon. Last month, there were 347,420 foreclosure filings across America, and the rate shows no signs of slowing. The unemployment rate is now driving these tragic foreclosures and 11 million Americans are at risk of losing their homes.