An academic, according to Wikipedia, is a person who works as a researcher (and usually teacher) at a university, college, or similar institution in post-secondary (tertiary) education. He or she is nearly always an advanced degree holder. In the United States, the term academic is approximately synonymous with that of the job title professor although in recent decades a growing number of institutions are also including academic or professional librarians in the category of "academic staff." In the United Kingdom, various titles are used, typically fellow, lecturer, reader, and professor (see also academic rank), though the loose term don is often popularly substituted. The term scholar is sometimes used with equivalent meaning to that of "academic" and describes in general those who attain mastery in a research discipline.



An advocate is someone who speaks on behalf of another person, especially in a legal context. Implicit in the concept is the notion that the represented lacks the knowledge, skill, ability, or standing to speak for themselves. The broad equivalent in many English law-based jurisdictions is "barrister". (

Although the homeowner path to recovery and justice will be long and painful, that path would not be possible without the determination and perseverence of so many dedicated attorneys and homeowner advocates.



The blogosphere is made up of all blogs and their interconnections. The term implies that blogs exist together as a connected community (or as a collection of connected communities) or as a social network in which everyday authors can publish their opinions. (

The blogosphere was investigating ForeclosureGate long before the mainstream media became involved.  Homeowners, homeowner advocates and the legal community owe a debt of gratitute to the foreclosure-fighting pioneers who have taken the time to inform all of us, about the wrongdoing perpetrated upon unsuspecting homeowners.

Case Law


Case law is the reported decisions of selected appellate and other courts (called courts of first impression) which make new interpretations of the law and, therefore, can be cited as precedents in a process known as stare decisis. These interpretations are distinguished from statutory law which are the statutes and codes enacted by legislative bodies; regulatory law which are regulations established by governmental agencies based on statutes; and in some states, common law which are the generally accepted laws carried to the United States from England. Trials and hearings which are not selected as 'courts of first impression' do not have rulings that become case law; therefore, these rulings cannot be precedents for future court decisions. (

Government Agency


The term "government agency" or "administrative agency" usually applies to one of the independent agencies of the United States government, which exercise some degree of independence from the President's control. Although the heads of independent agencies are often appointed by the President, they can usually be removed only for cause. The heads of independent agencies work together in groups, such as a commission, board or council. Independent agencies often function as miniature versions of the tripartite federal government with the authority to legislate (through the issuing, or "promulgation" of regulations), to adjudicate disputes, and to enforce agency regulations (through enforcement personnel). Examples of independent agencies include the Federal Communication Commission (FCC), Federal Reserve Board, U.S. Securities and Exchange Commission (SEC), the National Labor Relations Board (NLRB) and the Federal Trade Commission (FTC).

Homeowner Adversaries


The Homeowner Adversaries consist of, among other groups and individuals, wall st., the mortgage banking industry, mortgage servicers, big banks and the third-party providers of foreclosure-related services, all of them joining forces to steal homes and property from law-abiding American citizens. These individuals and organizations comprise the "Who's Who" of those believing themselves to be deserving of great wealth, power and privilege, at the expense of the lives and well-being of law-abiding American Homeowners.  The adversarial individuals and organizations also possess a conscious disregard for morality, honesty, integrity and the rule of law.

Homeowners and Citizens


American homeowners never find a collection of media representatives on our doorsteps, wanting to print or broadcast whatever words we speak concerning the injustice facing ourselves and other struggling American homeowners.  Most media outlets have been busy for the past few years, treating as gospel, every word released by Wall St., by politicians, by the mortgage servicers and by Fannie Mae.  The mortgage servicers who may have foreclosed upon our homes, with no authority or power of sale to do so, must not be confused with the investors, groups of investors and pension fund participants who actually may have the power and authority to work with us to correct egregious servicer fruad and abuse.  Those investors, groups of investors and pension fund participants are also being defrauded.  Homeowners, our time has come to add honesty and integrity to a national narrative, that has been wrongfully exploited, for far too long.

Investigative Journalism


Investigative journalism is a form of journalism in which reporters deeply investigate a single topic of interest, often involving crime, political corruption, or corporate wrongdoing. An investigative journalist may spend months or years researching and preparing a report. Investigative journalism is a primary source of information.[1][2][3][4] Most investigative journalism is conducted by newspapers, wire services, and freelance journalists. Practitioners sometimes use the terms "watchdog journalism" or "accountability reporting."

An investigative reporter may make use of one or more of these tools, among others, on a single story:



The judiciary (also known as the judicial system or judicature) is the system of courts that interprets and applies the law in the name of the sovereign or state. The judiciary also provides a mechanism for the resolution of disputes. Under the doctrine of the separation of powers, the judiciary generally does not make law (that is, in a plenary fashion, which is the responsibility of the legislature) or enforce law (which is the responsibility of the executive), but rather interprets law and applies it to the facts of each case. This branch of government is often tasked with ensuring equal justice under law. It usually consists of a court of final appeal (called the "supreme court" or "constitutional court"), together with lower courts.

In most jurisdictions the judicial branch has the power to change laws through the process of judicial review. Courts with judicial review power may annul the laws and rules of the state when it finds them incompatible with the provisions of a constitution. Judges constitute a critical force for interpretation and implementation of a constitution, thus de facto in common law countries creating the body of constitutional law. (

Local News

In journalism, local news refers to news coverage of events in a local context which would not normally be of interest to those of other localities, or otherwise be of national or international scope. In certain countries/regions such as the United States local news is provided on local channels (some of which are network affiliates).