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hi Im Karl Pearson Im an attorney and this is video number 121 which I have entitled should I accept an offered loan modification agreement for the past six years Ive been going into court to stop foreclosures and to reverse or vacate foreclosure sales for those of you who do not understand whats happening I wanted to be very clear that the way for the mortgage or to win in this distressing situation is by getting a loan modification agreement in a foreclosure action acceptance of an offered loan modification agreement would have the lawsuit whether or not the bank shows you or your attorney the original note in non judicial states this would end your default and start off it would start you off with a new note and this is whether or not the bank shows you or your attorney the original note Im making this video because of a recurrent problem among homeowner mortgagors the problem is that they often do not like the terms of the offered lower modification agreement if they even get