I oversee the Mortgage Mediation Group at the Law Firm of Arboleda Brechner. I am daily dealing with more and more complex mortgage law issues. With no movement or progress with the National effort to reduce foreclosures and improve the results through loan modification and short sale we are forced to use stronger tools. I am a 19 year career mortgage compliance, regulatory and secondary market expert. Our tools include Short Sales, Foreclosure Defense, Deficiency Defense and Strategic Bankruptcy to strip subordinate liens and Cram Down 1st mortgage balances.