Foreclosure defense attorney Carl E. Person devotes this video to explaining how and why the best, most effective defense in most 1-4 unit residential foreclosures (whether owner-occupied or investor-owned) consists of 3 persons: (1) an experienced foreclosure defense attorney located anywhere in the United States; (2) a highly-skilled loan processor working for and under the direct supervision of the attorney; and (3) a local lawyer with an office in or near the county in which the mortgaged property is located. Person explains how the difficulties in obtaining a competent and willing lawyer locally in the nation's 3,100 counties has resulted in this 3-person team, and what their respective functions are. Person explains that most foreclosures since 2009 could have been avoided if the homeowners had defended the foreclosure with this 3-person team. This book is an expansion of Mr. Person's YouTube video posted on January 25, 2015, giving additional information not possible to provide in the 27-minute video. Also, Mr. Person has added a list with descriptions and links for his foreclosure-related videos.