H.E.R.A. stands for Home Equity Reconversion Association and is the firm that works with the Federal Reserve to reconvert the notes into Federal Reserve Notes (cash) for us. This is done through legal actions to the Secretaries of State and Federal Reserve, forcing them to take action on the claims we submit forth through the Private Asset Recovery agent. The organization does not engage in civil or criminal legal proceedings of any kind, does not practice law, are not tax agents giving tax advice or tax services, are not attorneys giving legal advice or opinions, they offer no loan modifications, reverse mortgages, or “zero down-equity financing” programs, and they do not engage in stopping foreclosures, halting evictions, or trustee sales. The California Department of Real Estate (DRE) launched a 2-year investigation into this process and we prevailed. Actions taken for a member are within HUD guidelines, commissioned by Congress, and are lawful in intent while being a private administrative process in nature.