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The scheme created on Wall Street is starting to unravel. They are fast losing ground --- and the new question is what difference does it make if you say that the borrower stopped paying when you have no right to collect or enforce the loan? And where is the creditor who CAN enforce the debt? The banks and servicers' answers were accepted as gospel until the last year when things started to turn. Listen to tonight's show and learn how consumer loans were hijacked and who are the real losers.