Salt Lake City, UT / June 5, 2010 / --  While it's true that banks continue to collapse under the weight of faulty mortgage loans and a lack of link-chain accountability, many more lessons are being taught by a new breed of attorneys that are fearless in their pursuit of  holding banks accountable for sound business practices.    

While major metropolitan cities like New York, Chicago, and Los Angeles boast to have some of the highest priced attorneys in the country none would have imagined that it would be the litigious efforts of attorneys in the sand states that continue to net some of the largest financial losses to lending institutions ever witnessed.  

Enter now attorney John Christian Barlow of St. George, Utah that for the moment has brought Bank of America, the nation's largest financial institution to its knees.  Mr. Barlow an attorney with a growing reputation as a "Giant Killer" remains humble and while evidence of his work continues to be celebrated by social media outlets and the consumer protection community at large, Mr. Barlow understands that his current efforts are merely at the infancy stages and much more is needed to bring Bank of America and other financial institutions into level playing field for accountability.

On May 22, 2010, Mr. Barlow, a graduate of Loyola University with a Masters Degree in business and city management and a law degree from the esteemed Willamette University was given a ruling by Fifth District Court Judge James Shumate that Bank of America Corporation to include ReconTrust Company, N.A. and Home Loans Serving LP must cease all foreclosure proceedings in the state of Utah.    

The focus of Mr. Barlow's case is not the traditional claims of TILA, HOEPA or RESPA violations, instead at the crux of Mr. Barlow's complaint is whether or not Bank of America Corporation and its affiliates and subsidiaries as a nationally chartered financial institution can supersede state laws intended to govern financial institutions operating within the state of Utah. "The law is clear in Utah," said Barlow, "and Judge Shumate saw it clearly, too.  Mortgage lenders are required by law to be registered and have offices in the State of Utah to do business, that is unless you're Bank of America or one of their subsidiary companies which apparently are above the law in Utah."

In the meantime, Bank of America has not remained idle, as an indiscriminate number of attorneys have begun filing their own barrage of legal motions on behalf of Bank of America in opposition of Fifth District Court Judge Shumate's ruling. 

"Bank of America has an uphill battle," says Michael Blackburn, Chief Operations Officer for the highly acclaimed non-profit Perfect Home Living.   "We are all aware that throughout the country there is a growing consensus that state rights have long since been overlooked and issues like this could easily serve as the catalyst for reigniting this issue," Blackburn continued.    

About Perfect Home Living 

Perfect Home Living is a nationally recognized non-profit leader that assists in implementing programs and providing training and education to financial lenders, government entities, banking regulators, consumers and licensed professionals to red flags within today's  real estate market.   For more information or to request assistance please visit us online at:  http://www.PerfectHomeLiving.com or email sheri@perfecthomeliving.com