Earlier this month HAFA was rolled out and any thoughts???? Why yes I do......

My feelings are mixed!? What do HAFA guidelines do to deter big banks/loan servicers when their is no penalty, punitive damage or government sanction threat behind them. Consistently banks/loan servicers move forward with foreclosure auction sales while homeowners are currently in a trial loan modification or seeking one. Those same homeowners are only waiting for the final approval from the bank, the same bank trying to repossess their home. Then only to hear more times than not they do not fit the profile of the homeowners this bank/investor is willing to help. How do you ask for a time out to make sure that the banks TRUSTEE, paid to sell their home at the auction block is following the law and giving you the homeowner some sort of voice in the whole process. Yes it is not our faults that accidentally we live in California and their is no official judicial over site during the ending of the foreclosure cycle process. We need judicial over site before the auction sale similar to a one on one basis's like some of the Eastern states provide. Those states protect their citizens against illegal foreclosures imposed by the banks or loan servicers, how wild? They ask a judge to oversee the banks reconveyance program and point out that the homeowner has rights also and helps them to enforce those rights against an illegal foreclosure auction sale. Until California changes it's policy, I see the need for a a Trustee Verification Delay Service such as the one my company offers.