I was sued for foreclosure by OneWest Bank in 2/11. My 2nd Leinholder's attorney offered to represent me and we filed a Motion to Dismiss for lack of standing. The Court dismissed the case 4/11. I of course filed for a modification in 10/10 and is was declined for missing paperwork in 1/11. In 2/11 I reapplied on my attorney's advice and they keep asking for a new P&L and ask that I remove items that are valid deductions per the IRS code. I will not commit fraud as they have. We offered to settle the case with a principal loan reduction and rate reduction. They refused. My attorney tells me that I can seek Declaratory Judgment; Continue the Modification (which we know is a farse); or do nothing and wait 49 years for it to go away. I want to file for Quiet Title and get this over with. How do I go about this without the cost of an attorney but ensure all is done correctly. I have also been told I have to get a bond for 2 yrs to cover anyone I might miss in the action. Any advice?