That description fit some of my clients for sure. But I viewed most of them as repeat victims. Initially scammed with the American dream of home ownership when lured into mortgages they had no business even qualifying for. And then victimized again when the bubble burst and unscrupulous lenders ran roughshod over them in the subsequent foreclosure frenzy. Most of these once-proud home owners didn’t stand a chance under California’s streamlined foreclosure regulations. A bank didn’t even need a judge’s approval to take away someone’s house. The great financial minds thought this was the way to go. Just keep it moving. The sooner the crisis hit bottom, the sooner the recovery would begin. I say, Tell that to Mrs. Pena.

There was a theory out there that this was all part of a conspiracy among the top banks in the country to undermine property laws, sabotage the judicial system and create a perpetually cycling foreclosure industry that had them profiting from both ends of the process. Me, I wasn’t exactly buying into that. But during my short time in this area of the law, I had seen enough predatory and unethical acts by so-called legitimate businessmen to make me miss good old-fashioned criminal law.

Rojas was waiting outside the car for Mrs. Pena to return with the money. I checked my watch and noted we were running late on my next appointment-a commercial foreclosure over in Compton. I tried to bunch my new client consultations geographically to save time and gas and mileage on the car. Today I worked the south end. Tomorrow I would hit East L.A. Two days a week I was in the car, signing up new clients. The rest of the time I worked the cases.

“Let’s go, Mrs. Pena,” I said. “We gotta roll.”

I decided to use the waiting time to call Lorna. Three months earlier I had started blocking the ID on my phone. I never did that when I practiced criminal, but in my brave new world of foreclosure defense, I usually didn’t want people having my direct number. And that included the lender attorneys as well as my own clients.