Ray Brescia
Ray Brescia is an assistant professor at Albany Law School and former associate director of the Urban Justice Center in New York, N.Y. His scholarly articles are available at http://ssrn.com/author=956109 and he is on Twitter at @rbrescia.
Tainted Loans: Fighting Toxic Mortgages in the Courts
It's not too late to treat toxic loans as the defective product they are.