Ron Paul Shawd has first hand experience with our housing problem. He bought his home from Chase Bank. It took a lawyer and 2 years of fighting to get a clear title to his home. Do you know that their is no law that states how long a bank has to give clear title. Your state and federal government can collect fines and damages done to you by others and you are allowed nothing, Freddie and Fannie needs reform and broken up, they are nothing but a piggy bank for our leaders!