It wasn't your overdue mortgage.
It was the return of the age-old scam called "bucket shops" enabled by the Commodity Futures Modernization Act (CFMA) in 2000.
To what extent did the crooks know what they were doing?
http://www.villagevoice.com/content/printVersion/850296
http://www.villagevoice.com/2009-01-28/news/what-cooked-the-world-s-economy/
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