User talk:Trina Maeser

Hello, and welcome to Wikipedia. We appreciate your, but for legal reasons, we cannot accept copyrighted text or images borrowed from other web sites or printed material, and as a consequence, your addition will most likely be deleted.

You may use external websites as a source of information, but not as a source of sentences. This part is crucial: say it in your own words.

If the external website belongs to you, and you want to allow Wikipedia to use the text — which means allowing other people to modify it — then you must include on the external site the statement "I, (name), am the author of this article, (article name), and I release its content under the terms of the GNU Free Documentation License, Version 1.3 and later."

You might want to look at Wikipedia's policies and guidelines for more details, or ask a question at the "Help Desk". You can also leave a message on my talk page. --PMDrive1061 (talk) 09:08, 19 January 2009 (UTC)


 * Hi. Please don't simply cut and paste material directly from other sites.  This is a violation of copyright and can lead to the loss of your edit privileges.  --PMDrive1061 (talk) 09:20, 19 January 2009 (UTC)

I did a simple cut and paste of samples of the text directly into Google; they were exact matches to another website. BTW, it's unnecessary to recreate the text under varying titles. Just start a page and type #REDIRECT Insert non-formatted text here with the title of the target page taking the place of the text in brackets. --PMDrive1061 (talk) 09:34, 19 January 2009 (UTC)

Which title is the main one? I can restore that version and point out the copyright violations I found. --PMDrive1061 (talk) 09:36, 19 January 2009 (UTC)

I'll undelete the "Streamline Modification Plan" version and hang a construction template on it along with an explanation to other editors on the talk page. I hope that will satisfy your concern.--PMDrive1061 (talk) 09:39, 19 January 2009 (UTC)

If it's US Government, it's likely public domain. I got a big Google hit from Time.org in the FannieMae/Freddie Mac section, specifically:

The effort to stem foreclosures and the depressed house prices they perpetuate entered a new phase on Tuesday as Fannie Mae and Freddie Mac announced a fast-track program meant to make hundreds of thousands of mortgages affordable to people who can't currently meet their monthly payments.[16]Through the SMP, servicers may change the terms of a loan to reduce a borrower's first lien... which came up word for word. The intro regarding the history dating back to the 80s came from a blog, which is kind of iffy in my opinion. Anything you get from the government should be OK, but I'd suggest rewriting the commercial material and citing the references. Good luck and please don't be afraid to ask for help. I need to sign off right now, but leave word on ly talk page if you wish. Thanks for working with me on this. --PMDrive1061 (talk) 09:47, 19 January 2009 (UTC)

No problem. I can easily redirect the page to that target title and the current title will become an automatic redirect. Only takes a moment. --PMDrive1061 (talk) 09:53, 19 January 2009 (UTC)


 * Ah, I see why you had a problem. There was an existing redirect under the title which could only be removed by an administrator.  I've removed the old redirect and moved your article to that new title.  Good night!  :)  --PMDrive1061 (talk) 09:57, 19 January 2009 (UTC)


 * Glad to help. I'm always happy to work with users who want to contribute in a positive manner, especially new ones. BTW, you can sign and time stamp your messages either by typing in four tildes like this: ~ or by hitting the little signature box in the center of the toolbar atop any page in the edit mode.  Thanks for being nice about this and welcome to the project! --PMDrive1061 (talk) 10:00, 19 January 2009 (UTC)

Wow...it looks terrific! Looks like you clobbered most if not all of the copyvios. That's easily one of the most concise and complete initial efforts I've ever seen here. I'll look at it more closely when I have a moment and I'll see if I can't rework any potential remaning copyright issues. Wonderful job. --PMDrive1061 (talk) 23:25, 19 January 2009 (UTC)


 * You bet, Trina. We desperately need more editors like you and I hope our initial "glitch" doesn't scare you off. --PMDrive1061 (talk) 23:54, 19 January 2009 (UTC)

Yay!
I do believe we have us an article! The only thing I could find that looked suspect resolved back to a government site, which is OK. BEAUTIFUL job. You deserve a cookie. --PMDrive1061 (talk) 16:26, 21 January 2009 (UTC)



PMDrive1061 (talk) has given you a cookie! Cookies promote WikiLove and hopefully this one has made your day better. Spread the WikiLove by giving someone else a cookie, whether it be someone you have had disagreements with in the past or a good friend. Happy munching!

Spread the goodness of cookies by adding {{subst:Cookie}} to someone's talk page with a friendly message, or eat this cookie on the giver's talk page with {{subst:munch}}!

I'm looking forward to your future contributions. You're going to be a tremendous asset to this project. Oh...glad you enjoyed the cookie. :)) --PMDrive1061 (talk) 23:07, 21 January 2009 (UTC)

Articles for deletion nomination of Loan modification in the United States
I have nominated Loan modification in the United States, an article that you created, for deletion. I do not think that this article satisfies Wikipedia's criteria for inclusion, and have explained why at Articles for deletion/Loan modification in the United States. Your opinions on the matter are welcome at that same discussion page; also, you are welcome to edit the article to address these concerns. Thank you for your time.Please contact me if you're unsure why you received this message. Ten Pound Hammer, his otters and a clue-bat • (Many otters • One bat • One hammer) 21:42, 14 August 2010 (UTC)

Possibly unfree File:Rise Mortgage Credit Distress 2007.gif
A file that you uploaded or altered, File:Rise Mortgage Credit Distress 2007.gif, has been listed at Possibly unfree files because its copyright status is unclear or disputed. If the file's copyright status cannot be verified, it may be deleted. You may find more information on the file description page. You are welcome to add comments to its entry at if you are interested in it not being deleted. Thank you. Shadowjams (talk) 17:57, 16 August 2010 (UTC)