We were only trying to run a business which would help people.  It's just that we failed miserably.
I live with the pain of knowing that we let people down who were hoping that we could help them save their homes.... and faster.   But all in all, we were only able save a small percentage of the homes we were tasked with.
It was never fraud.   It was mismanagement.    And we learned a LOT of lessons from that experience.     Lessons we will never forget.