The Mortgage Crisis was created by Mortgage Lenders, Banks, and Financial Institutions through the use of sub-prime lending and mortgage-backed securities. This article explores this crisis within the context of bankruptcy by examining sub-prime lending, mortgage securitization, MERS, and the situations that the U.S. Bankruptcy courts and trustees have dealth with the fallout of the mortgage crisis first hand.

This article was the 2010-2011 National Association of Chapter 13 Trustees Law School Writing Competition Winning article. Its full citation is:

Michael Wennerlund, "The Mortgage Crisis, MERS, and Chapter 13," NACTT Quarterly, Fall, Vol. 23, No. 4, 28-35