I am a lawyer that does loan work outs for distressed mortgage holders in Nevada, and litigation when all else fails. Most of the toxic loans I see were made in violation of Nevada law, which has probably been preempted by federal law anyway. Nevertheless, deals can be struck, with patience. I am looking for contact with similar professionals to share strategies. Call at 800.234.5068 [unless you are selling something, as I dont need to buy anything at this juncture]