(Important Update - July 14, 2013). Please check out Debt Suspension Rights for innovative observations and solutions to the epidemic of credit card defaults and misrepresentations of Reverse Mortgages.
Edit update (April 14, 2013), I think Heart of the Village is the new Hillary's Village, please check it out and correct me if I am wrong. They have actually been up for quite a while but I just recently realized I should update this older article. (End of April 14, 2013 update)