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The World Wide Web consortium is one of the well-known partners in business. Due to the growing demand of the business industry, firms use the triple W in order for them to reach their customers across the world. And well as to make their business reached by their customers at their most convenient approach. At large, these businesses that are into the modernization are the one who makes physical goods such as cars or pipes in which then they sell at a profit and even shopping. Consumers can purchase goods 24/7 through online or e-commerce- the selling and acquiring of products or services over the internet with the use of different shelling out methods and feels like you are safer than using the conventional way of shopping. But did you know that in taking the number of the advantages can make you down in the dumps in just a minute, giving the disadvantage of it? What are the possible occurrences in paying using those methods? How surely that you are so secure? Debit Card, Credit Card,Gift Certficate, Paypal Account, Paypal Alternatives, Money Order, Web Certificate and other payment methods can rip-off by the growing swindlers or scammers across the web. But the most spot of such feeding frenzy is your Paypal Account in which can take everything and be as one of their victims of the said scam. It is an act of taking your money through giving you the imitation of someone's personality with an imaginary addresses as well as phone numbers, counterfeit photos and template letters that can absolutely loose cannon. As an online shopper it's better to become aware about the growing scam. Then, it is good if you do so. If you think that you are safer from scams when you use PayPal, you're not. PayPal users are the specific targets of an email scam that results to PayPal Scam. Scammer behind the PayPal scam sends PayPal users an official-looking email asking them to verify their account or identity. The email is addressed "Dear PayPal User" and the em

The World Wide Web consortium is one of the well-known partners in business. Due to the growing demand of the business industry, firms use the triple W in order for them to reach their customers across the world. And well as to make their business reached by their customers at their most convenient approach. At large, these businesses that are into the modernization are the one who makes physical goods such as cars or pipes in which then they sell at a profit and even shopping. Consumers can purchase goods 24/7 through online or e-commerce- the selling and acquiring of products or services over the internet with the use of different shelling out methods and feels like you are safer than using the conventional way of shopping. But did you know that in taking the number of the advantages can make you down in the dumps in just a minute, giving the disadvantage of it? What are the possible occurrences in paying using those methods? How surely that you are so secure? Debit Card, Credit Card,Gift Certficate, Paypal Account, Paypal Alternatives, Money Order, Web Certificate and other payment methods can rip-off by the growing swindlers or scammers across the web. But the most spot of such feeding frenzy is your Paypal Account in which can take everything and be as one of their victims of the said scam. It is an act of taking your money through giving you the imitation of someone's personality with an imaginary addresses as well as phone numbers, counterfeit photos and template letters that can absolutely loose cannon. As an online shopper it's better to become aware about the growing scam. Then, it is good if you do so. If you think that you are safer from scams when you use PayPal, you're not. PayPal users are the specific targets of an email scam that results to PayPal Scam. Scammer behind the PayPal scam sends PayPal users an official-looking email asking them to verify their account or identity. The email is addressed "Dear PayPal User" and the em

Two U.S. housing finance giants Fannie Mae and Freddie Mac Thursday announced huge losses in the fourth quarter of last year, fresh evidence of the still struggling U.S. property market. Fannie Mae registered a net loss of 2.1 billion U.S. dollars in the fourth quarter last year, and requested an additional 2.6 billion dollars in federal aid, the Washington-based company said Thursday in a statement. Freddie Mac posted a net loss of more than 1.7 billion dollars in the same period, and asked for an additional 500 million dollars in federal aid, according to a statement released by the company on Thursday. The Obama administration earlier this month unveiled a report to Congress on reforming the U.S. housing finance market, aiming to wind down the two government-sponsored enterprises, while giving the private sector a bigger say on the multi-trillion-dollar market. The two companies played a major role in the run-up to the severe financial crisis. The U.S. government stepped in to take over Fannie and Freddie in September 2008 and cost U.S. taxpayers multi-billion dollars, which has drawn criticism from various sectors. http://newscenter.springhillgrouphome.com/

Two U.S. housing finance giants Fannie Mae and Freddie Mac Thursday announced huge losses in the fourth quarter of last year, fresh evidence of the still struggling U.S. property market. Fannie Mae registered a net loss of 2.1 billion U.S. dollars in the fourth quarter last year, and requested an additional 2.6 billion dollars in federal aid, the Washington-based company said Thursday in a statement. Freddie Mac posted a net loss of more than 1.7 billion dollars in the same period, and asked for an additional 500 million dollars in federal aid, according to a statement released by the company on Thursday. The Obama administration earlier this month unveiled a report to Congress on reforming the U.S. housing finance market, aiming to wind down the two government-sponsored enterprises, while giving the private sector a bigger say on the multi-trillion-dollar market. The two companies played a major role in the run-up to the severe financial crisis. The U.S. government stepped in to take over Fannie and Freddie in September 2008 and cost U.S. taxpayers multi-billion dollars, which has drawn criticism from various sectors. see more : http://newscenter.springhillgrouphome.com/

I know that Bristol board is usually used for catalog and book covers, tickets, tags and printing brochures. But as a student of architecture and an avid designer, I use this kind of paper for my scale models (which, for those who are not familiar with the term, is a smaller physical version of something bigger, like a building or an automobile). I currently have several sets of two- and three-ply bristol papers that are used as walls of my scale models. One-ply is almost translucent so I rarely use them. Bristol, as it is commonly referred to, is a kind of paperboard which is ideal for tons of things and comes in a variety of colors. I love using Bristol paper because it's very versatile. I buy a whole bunch of them and stack them on my desk so I have something nice to use in various illustrations, technical drawings and even 2D art forms. Actually, illustration boards are also fine in such purposes but I find it impractical for you can only use one side of it. On the other hand, Bristol board have two working surfaces, so basically, you can use either or both sides. And because I normally use charcoal and crayon as my primary media form, vellum finish is more ideal for me. It has a moderate surface texture which is really apt for friction-based medium. Works well with pens, too! (But if you are more focused on using ink, choose the plate finish Bristol paper instead -- it's glass-like texture is better suited for ink.) The current brand I use is from Springhill Vellum Bristol. This Bristol paper works like a charm. And it's very accessible, even online. Just go to Amazon.com and search for Springhill Vellum Bristol Gold. One pack contains 5 sheets and weighs a total of 1 pound so it's not that costly even if you order online. Their gold colored is consistent all throughout the papers and it is the exact hue I needed, too! I also found out it worked nicely when used in promotional materials (when I once ran out of specialty paper for our theater p

I know that Bristol board is usually used for catalog and book covers, tickets, tags and printing brochures. But as a student of architecture and an avid designer, I use this kind of paper for my scale models (which, for those who are not familiar with the term, is a smaller physical version of something bigger, like a building or an automobile). I currently have several sets of two- and three-ply bristol papers that are used as walls of my scale models. One-ply is almost translucent so I rarely use them.Bristol, as it is commonly referred to, is a kind of paperboard which is ideal for tons of things and comes in a variety of colors. I love using Bristol paper because it's very versatile. I buy a whole bunch of them and stack them on my desk so I have something nice to use in various illustrations, technical drawings and even 2D art forms. Actually, illustration boards are also fine in such purposes but I find it impractical for you can only use one side of it. On the other hand, Bristol board have two working surfaces, so basically, you can use either or both sides. And because I normally use charcoal and crayon as my primary media form, vellum finish is more ideal for me. It has a moderate surface texture which is really apt for friction-based medium. Works well with pens, too! (But if you are more focused on using ink, choose the plate finish Bristol paper instead -- it's glass-like texture is better suited for ink.) The current brand I use is from Springhill Vellum Bristol. This Bristol paper works like a charm. And it's very accessible, even online. Just go to Amazon.com and search for Springhill Vellum Bristol Gold. One pack contains 5 sheets and weighs a total of 1 pound so it's not that costly even if you order online. Their gold colored is consistent all throughout the papers and it is the exact hue I needed, too! I also found out it worked nicely when used in promotional materials (when I once ran out of specialty paper for our theater presentation).

On Monday, temperatures in Elkridge are expected to reach a high of 88 degrees. The last time we hit similar temperatures in this area at this time was in 1941, with a record of 88 degrees, according to The Baltimore Sun. At Long Reach High School, the air conditioning went out Monday morning after a refrigerant leak in the boiler room, but school officials said they were able to preserve the internal temperature by keeping windows closed. Howard County schools are in session until June 8, and in Elkridge, the Watermont Swim Club doesn't open until Saturday, May 26. Do you enjoy the summer temperatures in April? Tell us in comments. If you're not a fan of the heat, not to worry-temperatures are expected to cool down on Tuesday, with a high of 74, according to the National Weather Service.

These house poor families were spending more than 30 percent of their income to pay back the principal and interest for their loans, and had more liabilities than available assets, meaning they would be unable to repay their debts even by selling off all their non-home assets. Most house poor, or 96.3 percent, said in the survey that they were finding the repayment ofloans extremely burdensome. About three-quarters of them said they were reducing their spending to pay off the loans.Sixty-four percent said they would like to sell their homes soon. As for the reasons for wanting to sell off their home, 26.9 percent said they wished to readjust their asset portfolio, and 25.4 percent cited the burden of repaying loans.Others said they wished to change the size of their homes (18.7 percent) or to withstand the economic downturn (13.7 percent).Nearly two-fifths of the house poor were in their 30s and 40s. Following those in their 30s (19.6 percent) and 40s (18.9 percent) were people in their 50s (13.5 percent) and 60s (11.2 percent), indicating that many people were financially squeezed before and after retirement.The more expensive the homes, the greater the number of house poor. Some 22.3 percent of the house poor in the survey hadmortgage loans on residential properties worth more than 900 million won. About 14.5 percent had homes worth between 600 million and 900 million won. Seventeen percent had homes worth between 300 million and 600 million won, and 15.6 percent between 150 million and 300 million won. Only 13.2 percent had homes valued less than 150 million won. Seoul (17.4 percent) and the surrounding Gyeonggi Province (18 percent) showed the highest rate of house poor families. In the capital, four of the 25 districts - which have the most expensive apartments - accounted for 17.2 percent of the house poor. "About 26.2 percent of all mortgage loans were taken out by people with a low ability to repay the debts," the research instit

These house poor families were spending more than 30 percent of their income to pay back the principal and interest for their loans, and had more liabilities than available assets, meaning they would be unable to repay their debts even by selling off all their non-home assets. Most house poor, or 96.3 percent, said in the survey that they were finding the repayment ofloans extremely burdensome. About three-quarters of them said they were reducing their spending to pay off the loans.Sixty-four percent said they would like to sell their homes soon. As for the reasons for wanting to sell off their home, 26.9 percent said they wished to readjust their asset portfolio, and 25.4 percent cited the burden of repaying loans.Others said they wished to change the size of their homes (18.7 percent) or to withstand the economic downturn (13.7 percent).Nearly two-fifths of the house poor were in their 30s and 40s. Following those in their 30s (19.6 percent) and 40s (18.9 percent) were people in their 50s (13.5 percent) and 60s (11.2 percent), indicating that many people were financially squeezed before and after retirement.The more expensive the homes, the greater the number of house poor. Some 22.3 percent of the house poor in the survey hadmortgage loans on residential properties worth more than 900 million won. About 14.5 percent had homes worth between 600 million and 900 million won. Seventeen percent had homes worth between 300 million and 600 million won, and 15.6 percent between 150 million and 300 million won. Only 13.2 percent had homes valued less than 150 million won. Seoul (17.4 percent) and the surrounding Gyeonggi Province (18 percent) showed the highest rate of house poor families. In the capital, four of the 25 districts - which have the most expensive apartments - accounted for 17.2 percent of the house poor. "About 26.2 percent of all mortgage loans were taken out by people with a low ability to repay the debts," the research instit

These house poor families were spending more than 30 percent of their income to pay back the principal and interest for their loans, and had more liabilities than available assets, meaning they would be unable to repay their debts even by selling off all their non-home assets. Most house poor, or 96.3 percent, said in the survey that they were finding the repayment ofloans extremely burdensome. About three-quarters of them said they were reducing their spending to pay off the loans.Sixty-four percent said they would like to sell their homes soon. As for the reasons for wanting to sell off their home, 26.9 percent said they wished to readjust their asset portfolio, and 25.4 percent cited the burden of repaying loans.Others said they wished to change the size of their homes (18.7 percent) or to withstand the economic downturn (13.7 percent).Nearly two-fifths of the house poor were in their 30s and 40s. Following those in their 30s (19.6 percent) and 40s (18.9 percent) were people in their 50s (13.5 percent) and 60s (11.2 percent), indicating that many people were financially squeezed before and after retirement.The more expensive the homes, the greater the number of house poor. Some 22.3 percent of the house poor in the survey hadmortgage loans on residential properties worth more than 900 million won. About 14.5 percent had homes worth between 600 million and 900 million won. Seventeen percent had homes worth between 300 million and 600 million won, and 15.6 percent between 150 million and 300 million won. Only 13.2 percent had homes valued less than 150 million won. Seoul (17.4 percent) and the surrounding Gyeonggi Province (18 percent) showed the highest rate of house poor families. In the capital, four of the 25 districts - which have the most expensive apartments - accounted for 17.2 percent of the house poor. "About 26.2 percent of all mortgage loans were taken out by people with a low ability to repay the debts," the research institut

South Korea announced steps Thursday to bolster its sagging property market, including easing restrictions imposed on some districts of the capital. Seoul in 2003 restricted mortgage loan-to-value ratios to 40 percent and banned buyers from spending more than 40 percent of their income on repayments in three southern Seoul areas seen as most attractive to speculators. From now on, the same rules will apply citywide, with buyers able to borrow up to 50 percent of a property's value and spend up to 50 percent of their income on repayments. House prices in the Seoul metropolitan area have been falling for 10 successive months, with the latest April reading showing a 0.3 percent month-on-month decline. The government said it would also cut taxes on capital gains from property in the three districts, and would offer low-interest loans to a wider range of potential home-buyers in the capital. "We're rolling back excessive regulations adopted back in the early 2000s when the property market was overheating," the land ministry said in a statement. "Despite an increase in home supply... transactions in the housing sector are shrinking, while new apartment sales are also sluggish, hit by (economic) uncertainties." You can also visit us @ http://newscenter.springhillgrouphome.com/

South Korea announced steps Thursday to bolster its sagging property market, including easing restrictions imposed on some districts of the capital. Seoul in 2003 restricted mortgage loan-to-value ratios to 40 percent and banned buyers from spending more than 40 percent of their income on repayments in three southern Seoul areas seen as most attractive to speculators. From now on, the same rules will apply citywide, with buyers able to borrow up to 50 percent of a property's value and spend up to 50 percent of their income on repayments. House prices in the Seoul metropolitan area have been falling for 10 successive months, with the latest April reading showing a 0.3 percent month-on-month decline. The government said it would also cut taxes on capital gains from property in the three districts, and would offer low-interest loans to a wider range of potential home-buyers in the capital. "We're rolling back excessive regulations adopted back in the early 2000s when the property market was overheating," the land ministry said in a statement. "Despite an increase in home supply... transactions in the housing sector are shrinking, while new apartment sales are also sluggish, hit by (economic) uncertainties."

South Korea announced steps Thursday to bolster its sagging property market, including easing restrictions imposed on some districts of the capital. Seoul in 2003 restricted mortgage loan-to-value ratios to 40 percent and banned buyers from spending more than 40 percent of their income on repayments in three southern Seoul areas seen as most attractive to speculators. From now on, the same rules will apply citywide, with buyers able to borrow up to 50 percent of a property's value and spend up to 50 percent of their income on repayments. House prices in the Seoul metropolitan area have been falling for 10 successive months, with the latest April reading showing a 0.3 percent month-on-month decline. The government said it would also cut taxes on capital gains from property in the three districts, and would offer low-interest loans to a wider range of potential home-buyers in the capital. "We're rolling back excessive regulations adopted back in the early 2000s when the property market was overheating," the land ministry said in a statement. "Despite an increase in home supply... transactions in the housing sector are shrinking, while new apartment sales are also sluggish, hit by (economic) uncertainties."

Springhill Care Group :: Care2 Groups | SPRINGHILL GROUP http://www.care2.com/c2c/group/springhillcare Springhill Group Care - Providing for all levels of care, balanced with impressive facilities and exceptional staff. …golden age living and health care at its very best… At Springhill Care Group, our attitude is to exceed the expectations of our residents and their friends, that offer balanced with impressive facilities and exceptional staff. At Springhill Care Group, we firmly believe in safeguarding the interests of our clients and we pride ourselves on offering the most resident friendly environment. Springhill Group: Denish's Sharebook LIVING AND CARE OPTIONS http://www.valueinvestingnews.com/news-center-%E2%80%93-springhill-group-home-loans-america%E2%80%99s-choice-h America's Choice Home Loans announced the opening of Branch 1013, located in Newberg, Oregon. Managed by Jerry Holman, a long time veteran of the mortgage industry, the branch opened on October 20. "Please give Jerry a warm welcome and let him know he is a part of our family," says Jonathan Fowler, Director of National Production for the company. "Jerry, thank you very much for choosing America's Choice Home Loans. We appreciate you and your office and are here to make your lending career bigger and brighter than ever. You will find out why we are America's Choice Home Loans - Thank you very much and welcome." Being an expert in home loan and mortgage, Jerry will continue to concentrate on helping customers with their residential home loan needs. America's Choice Home Loan is continuously searching for experienced mortgage loan originators to join the company. Contrary to many in the industry who have been discouraged, scaled back or closed down completely, Mr. Fowler is unfazed. "America's Choice has the ability to expand, including the capacity for rapid growth. We have been positioning ourselves for this, and we're read

"Springhill Groups-PRINGHILL gROUPS Mortgage Fraud Prosecutors Pounce on a Small Bank Yesterday 11:14 PM #1 One of the few things not in dispute in the criminal case against Abacus Federal Savings Bank is that it began with a mortgage closing on Friday, Dec. 11, 2009, for a two-family home in the Bensonhurst section of Brooklyn. Abacus is a small bank, catering mostly to Chinese immigrants. The closing was at 10 a.m. at the bank's headquarters, a brown-brick building on the Bowery in New York's Chinatown between a noodle shop and an herbal medicine emporium. Sitting around the table in an undecorated conference room were the seller, the buyers, their attorneys, the real estate broker, and the title closer. Vera Sung, Abacus's lawyer, was in and out of the meeting. Sung, 46, is a daughter of the bank's founder-her younger sister Jill is Abacus's chief executive officer. Vera is also a onetime prosecutor in the Brooklyn district attorney's office, and that morning she recalls hearing something that made her pause: The borrowers were asking about extra checks they had earlier made out to the loan officer, Qibin "Ken" Yu. Sung didn't know what those checks were. "I thought this was very strange, so I stopped the closing," Sung says. She spoke to Yu in her office, then called Jill, and they canceled the loan. The following Monday, Yu was fired. The bank's executives won't speculate what the checks were for, but in other fraud cases individual loan officers have been convicted of asking for kickbacks or payments for falsifying paperwork. Yu's lawyer declined to comment. "

"One of the few things not in dispute in the criminal case against Abacus Federal Savings Bank is that it began with a mortgage closing on Friday, Dec. 11, 2009, for a two-family home in the Bensonhurst section of Brooklyn. Abacus is a small bank, catering mostly to Chinese immigrants. The closing was at 10 a.m. at the bank's headquarters, a brown-brick building on the Bowery in New York's Chinatown between a noodle shop and an herbal medicine emporium. Sitting around the table in an undecorated conference room were the seller, the buyers, their attorneys, the real estate broker, and the title closer. Vera Sung, Abacus's lawyer, was in and out of the meeting. Sung, 46, is a daughter of the bank's founder-her younger sister Jill is Abacus's chief executive officer. Vera is also a onetime prosecutor in the Brooklyn district attorney's office, and that morning she recalls hearing something that made her pause: The borrowers were asking about extra checks they had earlier made out to the loan officer, Qibin "Ken" Yu. Sung didn't know what those checks were. "I thought this was very strange, so I stopped the closing," Sung says. She spoke to Yu in her office, then called Jill, and they canceled the loan. The following Monday, Yu was fired. The bank's executives won't speculate what the checks were for, but in other fraud cases individual loan officers have been convicted of asking for kickbacks or payments for falsifying paperwork. Yu's lawyer declined to comment."

"Springhill Groups-PRINGHILL gROUPS Mortgage Fraud Prosecutors Pounce on a Small Bank One of the few things not in dispute in the criminal case against Abacus Federal Savings Bank is that it began with a mortgage closing on Friday, Dec. 11, 2009, for a two-family home in the Bensonhurst section of Brooklyn. Abacus is a small bank, catering mostly to Chinese immigrants. The closing was at 10 a.m. at the bank's headquarters, a brown-brick building on the Bowery in New York's Chinatown between a noodle shop and an herbal medicine emporium. Sitting around the table in an undecorated conference room were the seller, the buyers, their attorneys, the real estate broker, and the title closer. Vera Sung, Abacus's lawyer, was in and out of the meeting. Sung, 46, is a daughter of the bank's founder-her younger sister Jill is Abacus's chief executive officer. Vera is also a onetime prosecutor in the Brooklyn district attorney's office, and that morning she recalls hearing something that made her pause: The borrowers were asking about extra checks they had earlier made out to the loan officer, Qibin "Ken" Yu. Sung didn't know what those checks were. "I thought this was very strange, so I stopped the closing," Sung says. She spoke to Yu in her office, then called Jill, and they canceled the loan. The following Monday, Yu was fired. The bank's executives won't speculate what the checks were for, but in other fraud cases individual loan officers have been convicted of asking for kickbacks or payments for falsifying paperwork. Yu's lawyer declined to comment. http://www.businessweek.com/articles...n-a-small-bank"

Heating Systems ExplainedGas Heating SystemsModern gas central heating systems are safe, controllable and efficient to run but can cause confusion as they have a number of controls that you may not fully understand.Using heating controls properly can:-Improve the comfort of your homeReduce the energy used and your fuel billsAvoid the risk of condensation dampnessTo get the best out of your system, you should follow the manufacturers instructions. If you have mislaid the instruction booklet for your systems, most manufacturers can provide a replacement.Why have controls on a gas central heating system?line-height: 1.6em; margin-right: 10px; color: rgb(0, 0, 0);

New scam involving phony "forensic audits" of mortgage loans is the latest variation on loan modification scams. An article in the Sacramento Bee this week, reported that California Attorney General Jerry Brown warned California's distressed homeowner's to refrain from forensic review of their mortgage loan and lender's practices. Jerry Brown issued a press release stating that these loan audits are nothing more than loan modification scams that are taking advantage of people's desperation in the midst of the nation's persisting economic troubles. He joined with the California Department of Real Estate and the State Bar of California to warn homeowners who face the danger of foreclosure, to avoid such scams because they offer no help towards saving their home from foreclosure. The Latest among Many Loan Modification Scams Last year, the California Department of Real Estate investigated more than 2,000 cases of loan modification scam and from that number, 350 scam operations were ordered to terminate their illegal activity according to the attorney general's office. According to the article, the spokesman for the attorney general, Evan Westrup, explained that "It's the latest phony foreclosure-relief 'service' by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren't helping or providing the relief they need." The "Forensic Audit' Loan Modification Scam This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping

New scam involving phony "forensic audits" of mortgage loans is the latest variation on loan modification scams. An article in the Sacramento Bee this week, reported that California Attorney General Jerry Brown warned California's distressed homeowner's to refrain from forensic review of their mortgage loan and lender's practices. Jerry Brown issued a press release stating that these loan audits are nothing more than loan modification scams that are taking advantage of people's desperation in the midst of the nation's persisting economic troubles. He joined with the California Department of Real Estate and the State Bar of California to warn homeowners who face the danger of foreclosure, to avoid such scams because they offer no help towards saving their home from foreclosure. The Latest among Many Loan Modification Scams Last year, the California Department of Real Estate investigated more than 2,000 cases of loan modification scam and from that number, 350 scam operations were ordered to terminate their illegal activity according to the attorney general's office. According to the article, the spokesman for the attorney general, Evan Westrup, explained that "It's the latest phony foreclosure-relief 'service' by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren't helping or providing the relief they need." The "Forensic Audit' Loan Modification Scam This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping