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By way of background information regarding Florida's Foreclosure-rescue Fraud Legislation, investors are a much maligned group of small business entrepreneurs
who take financial risks to purchase properties when almost no one else will,
and face the financial loss of carrying properties that may or may not be sold
for a profit.

Despite the complaints of realtors when an investor makes a low-ball offer, very often there are no other offers for many properties.

Realtors do not buy properties, appraisers will not buy properties for their appraised values, mortgage brokers and lenders will not buy properties for
loan values unless forced to do so through foreclosure. While some legislators
call investors scavengers, other legislators refer to investors as the engine
that drives the American economy, which is coming true more so every day.

Interesting how different individuals can see so much difference in the profession of real estate investing.
Truly, investors are the safety net of the real estate industry and frankly, the banking industry.

Was it not for investors buying bank owned properties ("REO's"), foreclosures, and
distressed properties they essentially set a glass floor on property values.

Without this support from investors a depression of the greatest magnitude ever could easily take hold of property values throughout America.

While investors have been blamed for the sub-prime lending crisis, the reality is that the greed of nearly every lending institution allowed
individuals to finance homes they could not afford resulting in massive
foreclosures, bank failures, and loss of a fundamental underpinning of our
society.

So with the background of flat or declining real estate prices, gluts of condos, unemployment associated with the real estate industry, and
general complaints from a vocal minority, Florida's legislators decided to focus
their attention on the foreclosure industry for abusive practices by investors.

In any industry and any profession, no matter how regulated, there are always individuals who abuse the system. In real estate, homeowners in
foreclosure are bewildered, frustrated and get little or no help from their
lenders who were originally willing to give loans that could not possibly work
for the homeowner.

When something happens to the homeowner's financial position, his lender is unsympathetic and most often has the attitude that it's
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