In the shadow economy of mortgage field services, a quiet war is being waged over the classification of labor. Field Service Technicians, who physically secure and preserve distressed properties, and Inspectors, who assess occupancy status and report condition details, are routinely denied the basic protections afforded to employees under federal law. At the center of the conflict lies a decades-long pattern of misclassification—where workers are labeled as independent contractors despite performing duties and under conditions that mirror traditional employment. Compounding this violation is the near-total disregard . . .
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