RealtyTrac reported last week that Oregon is the second hottest spot in the nation for home foreclosure.

And as The Skanner News went to press this week, the national Consumer Financial Protection Bureau issued a report faulting mortgage servicing processes – and calling out Attorney General Eric Holder for not doing enough for consumers.

While many critics blame defaulted homeowners for creating their own financial problems, the issue of mortgage fraud, detailed in a recent FBI report touches many homeowners in crisis.