It's bad enough that many mortgage products were so confusing that some customers were able to get large loans with little evidence that they could afford the payments. But in some cases it seems banks have started to file foreclosure motions before they are even sure they have clear title to the home.

To combat this problem, one New York judge has been combing through the paperwork and rejecting documents riddled with errors, according to this New York Times story (discovered via Consumerist).

Judge Arthur M. Schack said in the story that if you're planning to take someone's house away, "everything should be legal and correct."

If you're concerned about the size of your loan payments or worry that foreclosure may in your future, e-mail your foreclosure questions to Sun business columnist Eileen Ambrose. Then tune in at 12 p.m. for a live chat with counselors from St. Ambrose Housing Aid Center. They'll provide some guidance for those for whom the housing crisis has struck home ... and the answers will be archived on the blog post for future reference.