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Good afternoon to you nice to see you up first today fighting fraud closure while the states take on lenders in Washington sits on the sidelines fed up Americans are taking back their homes case in point the Earle family of Simi Valley California the bank changed the locks kicked him to the curb, so they gave the bank a taste of their own medicine change the locks move back in can't make this stuff up the Earl's just one of the millions of stories that are out there this particular family nine children six of them adopted, and they regularly took in foster kids until their lawyer claims they were wrongfully evicted like so many homeowners the Earl's did fall behind on their payments and were in the process of doing a work-out they believe with their lender to try to get back up to speed now according to the Earl's the banks instead of conducting that work out tried to pull a fast one built them for tens of thousands dollars more than they believed they owed they got a judge to deny them their day in court, so there was never the need to illustrate the necessary paperwork and basically were able to finish the dirty deed change the locks sell the house before anyone was able to put two and two together clearly desperate times as banks try to avoid dealing with their inability to prove who owns the house and the potential threat that they may have to reveal trillions or hundreds of billions in toxic loans that were stuck in the gut of the American taxpayer at Fannie and Freddie not in compliance with the government standards that were set for those loans in the first place but more importantly desperate times for the families who no longer has a place to call home why our politicians and bankers play dodgeball with the issue the Earl's as we mentioned are one family who is fighting back Danielle Laurel joins us today in her first national television appearance alongside her attorney Michael Pines and I thank both of you for giving us some of your time Danielle if you could in brief tell us in your own words what happened here well we were trying to make payments trying to get caught up everything, and we thought we were just about there and when I called to get the amount that we still owed it was a lot more than I thought it was and then when I ended up making a large sum payment and the amount didn't change I demanded an accounting for where all the money went and instead of sending me an accounting they sent me a notice of default Michael is this story Danielle just told a comment in your experience very common it happens all the time as bad as you think it is it's probably about a thousand times worse and let me just be very clear what we're suggesting here which is that there's a let's say an OK where the number is $$25,000100,000 owed you make a lump sum payment to that number thinking that it's going to go down you can look the next month and the number hasn't changed is that a fair characterization Danielle yes it is so actually the number...
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