ONE MILLION homeowners had their homes foreclosed in 2010, a record setting year. Projections are for even more in 2011. Isn’t that mind-boggling? We have created a class of people who can’t buy a house for years, frequently because they were sold a loan they never should have taken. Predatory lending, deceptive terms and fees and even outright fraud was rampant up until (and unfortunately, even following) the housing crash in 2007-2008. These practices have affected homeowners of all stripes, backgrounds and income levels.