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The Homeowner Bill of Rights aims to protect those losing homes to foreclosure

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"It doesn't slow down or stop illegal foreclosures," says Nonn. "It doesn't hold the banks accountable for their crimes."

Nonn says that the Occupy movement is shifting strategies, focusing less on going after the banks that so far aren't being prosecuted and more on finding creative solutions.

"Protesting at the banks presupposes there's a justice system that's going to hold the criminals responsible," he explains. "The energy now is around building strong relations with local governments to save our homes and communities."

Pay attention to recent news, and Nonn's claims hold merit. In mid-August, U.S. Attorney General Eric Holder decided not to prosecute Goldman Sachs for its prime role in America's financial crisis, despite a senatorial criminal investigation's findings of abuse and poor oversight.

But people like Celeste Singh aren't being bailed out or given pardon from their ongoing tribulations. Her credit destroyed by the foreclosure process, Singh says she doesn't have many options left.

"It's the big unknown, the big, gray, dark unknown for us," says Singh. "I'm really hopeful with these laws that got set into place. I'm hoping that someway, somehow I'll be protected."

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