Home owners are unaware of the law or there rights . the banks are in violation of R E M E C . the banks are foreclosing on home owners and end up in the on street ,s or in tents in front of city halls they have no where to go. The banks have collected trillions of dollars from tax payers, and still they sell the property,s at a auction and refuse to cooperate even with qualified approved buyers in a shortsale because they make more money, there should be a law to force the bank,s to lower the rate of interest to a affordable payment to prevent families from loosing there home,s. community centers that have been established for years should be funded by the government to provide legal services with attorneys to the public that cannot to pay .