Foreclosure fraud can effect anyone, says Rep. Alan Grayson of central Florida, an area particularly hard hit by the crisis. The average foreclosure hearing in a Florida court is only 90 second, Grayson notes, and mistakes are common and fraud is rampant. Loan services are charging fees inappropriately, refusing to talk to homeowners by putting their calls through to call centers and then foreclosing with forged documents. One set of rules for the banks, another set of laws for everybody else, Grayson says.