...just a few weeks ago, on September 18, 2009, a woman by the name of Norma Garcia, a "Senior Attorney" from the Consumers Union, according to the words appearing under her signature, wrote a letter to Governor Arnold Schwarzenegger. Norma apparently felt compelled to write a letter to the Governor of California asking him to sign into law Assembly Bill 764 ("AB 764"), one of the two bills that claim to be motivated by the need to protect consumers from "scammers" who are defrauding untold numbers of homeowners by promising to help them obtain a loan modification.

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