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Are you facing foreclosure? Do you know someone who is? You can forestall a home foreclosure for months by demanding one simple thing from the bank:
"PRODUCE THE NOTE"
I know of one house that stands empty in Illinois. No one even knows who owns it. Many homes are like this. These mortgages have been packaged and sold, sometimes dozens of times all over the world. There is a good chance that your friendly banker can't even produce the mortgage that says you owe them money.
You may possibly buy some time by demanding that they produce the note. It's worth a try.
http://www.brasschecktv.com/page/550.html
http://www.consumerwarningnetwork.com/2009/02/09/success-fighting-foreclosure-with-produce-the-note/