``Cox, who worked for banks on foreclosure operations before volunteering to help foreclosure victims after his retirement, explained that we're no more than halfway through the foreclosure crisis in America, and servicers remain completely dysfunctional and not equipped to handle the crush. Moreover, while Cox believes that the mass signing of foreclosure documents by "limited signing officers" with no underlying knowledge of the loan file has generally stopped, he has encountered in his cases in Maine a more subtle problem.''

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