THEY ONCE WERE LENDERS -- Understanding government's failure to stop bankers OR scammers from destroying homeowners.

``They look just like the rest of us... they present themselves very well... ooze with credibility when needed... lie effortlessly and entirely without conscious. They were trained by bankers and sub-prime lenders to function as sociopaths. They represent a clear and present danger to our society today and they aren't going to go away anytime soon. Passing new laws in an attempt to stop them from earning a living has not stopped a single scammer, nor will it. When Senate Bill 94 in California was going through the legislative process, a bill that prevents those operating under a mortgage/real estate license from charging an up-front fee in conjunction with loan modification services, I tried to explain in countless articles that the bill would not stop a single scam, rather the scammers would simply find something else to sell to homeowners.''