You need to know the motivations of the lenders. In the current market, homes are not selling, or selling for far less than they might be worth despite what the media tells us. Lenders are not as anxious to take on more inventories they know they can’t sell, or must sell under market value; it’s a bad reflection on their bottom line and exposes just how broke they really are. So, if you are causing them trouble by defending your home, they are not as interested in most cases in fighting vigorously with you to get your home. Do you realize that 99% of the attorneys who file the foreclosures to begin with are not prepared to deal with knowledgeable consumers.
They don't know how to defend against those of us who understand the system and other State and Federal laws, along with not being afraid of them (attorney's).