it's fraud but after consult apparently I can sue now & go thru hell or pay off the mortgage & file in small claims court(+$10.000.00 now) which seems the better option.  class action is ripe for the taking/ have not looked into that/my consult is not a trial lawyer 

 have talked to state tax office & house insurance provider & both were friendly & stated they were dealing with a lot of friction from this bs!