Consumer Rights
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The Hidden COVID Mortgage Bailout: What They Buried While Veterans Paid the Price
COVID-19 “mortgage relief” wasn’t relief at all — it was a shield for servicers and a blindfold for the public. Behind the scenes, the CARES Act, the VA Waterfall, and the COVID Refund quietly protected the mortgage industry while veterans were pushed into debt, delinquency, and financial traps they never…
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Welcome to TheLetFreedomRingAmendment.com — A New Home for Truth, Transparency, and Change
Welcome to TheLetFreedomRingAmendment.com, the new home for truth, transparency, and accountability in VA-backed mortgage servicing. This site explains what the amendment is, why it’s urgently needed, and how COVID relief failures created a second crisis for veterans and families. Learn the facts, follow the movement, and join the push for…
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Follow the Money: How taxpayer COVID relief  enriched VA servicers-while veterans paid the price  
A deep-dive investigation into how Freedom Mortgage and other VA servicers profited from taxpayer-funded COVID relief programs, exposing Ginnie Mae mass-pooling, hidden modifications, and systemic failures.
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When Help Became Harm: how servicers pushed veterans into prohibited COVID fixes  
Veterans deserve truth and accountability. During COVID, VA issued clear circulars to protect borrowers, but many servicers ignored them—pushing veterans into costly, prohibited outcomes. This investigative piece uncovers how it happened, what changed under the 2025 Reform Act, and why the Let Freedom Ring Amendment is still urgently needed.