Ms. Alex-Saunders-Sparks has twenty-nine years experience in the real estate field, ten years in mortgage orientation and twenty years in developing homeownership programming inclusive of building ...view moreMs. Alex-Saunders-Sparks has twenty-nine years experience in the real estate field, ten years in mortgage orientation and twenty years in developing homeownership programming inclusive of building new construction. However, due to wrongful foreclosure, the author has fought off predatory debt collectors for seven and half years. The primary reason why this book was published is lack of self-help and ready information to help consumers and attorneys analyze their mortgage products.A major result is free-hand abuse given to debt collectors by the legal system.view less