I absolutely HATE these calls. I get them 1-2 times a week so I can calm them down and let them know they are NOT alone! I have been noticing this trend also when searching for buyers. When are the banks going to wise up and start cracking down on mortgage fraud? I wonder how many tenants DO NOT know until it is too late!

I am not a vengeful person but sometimes when one gets stuck between a rock and a hard place, that is not a pretty place to be! If you want a little closure, here is some helpful advice:

• Contact an Attorney: this is a very important step before you do anything!
  
• If your security deposit is tied up, file a suit in small claims court.
• If you want to take it a little further you can find the lender and may want to write them a letter and let them know what has been going on. They may eventually want you to complete an affidavit.
  
• If your landlord was acting in the capacity of a real estate licensee or a permitted property manager and you find out they aren't really what they said they were:  contact the Nevada Real Estate Division
  

Many banks do not have a clue that the homes that are financed as "owner occupied" are actually occupied by tenants. Many tenants may not have a clue that the home they live in is about to be foreclosed on or even in an NOD status (pre foreclosure) and is listed to be sold with instructions to "not disturb tenants."

When are banks going to wake up?