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Banks have handled U.S. foreclosures with what can candidly be called complete incompetence and potentially illegal methods. Many individuals have been promised <a title="Fake foreclosures: Another banking wreck" href="http://personalmoneystore.com/moneyblog/2010/12/22/false-foreclosures/"> loan modifications</a>, only to face foreclosure after months of stonewalling from the bank. Fake house foreclosures are yet another wrench in the machine. In this case, honest individuals who are paid up discover themselves singled out for a good, old-fashioned home ransacking and lock-changing.