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We've paid our Kredyty's mortgage through some very, very lean times, never having missed a payment. Sometimes, I truly wonder just why? My neighbors have missed 2 years of mortgage payments on their home, yet there they sit, no mortgage payment, no longer any worries, excess cash in their pockets and lots of time to look elsewhere for living quarters. Our government rescues the major failing banks and we pay for it. Our neighbors, as well as millions of others party and laugh off not paying their mortgage, yet my wife and I must scramble to pay ours. Why do the losers, like my neighbors reap benefit? Why are government bailouts provided to those who fail? Where is my reward for paying through thick and thin? There's something horribly twisted about this picture . . . Couldn't agree more with kredyty!!! I totally feel you, Factors. I am in the same boat you are. When all this shakes out, I want a friggen metal from the President. "Why do the losers, like my neighbors ... benefit?" Because we send politicians who cater to the Loser-class to Washington. No one forced anyone to sign an ARM. Fixed rates were low, People chose to sign an ARM to get into a house they couldn't fully afford, or because they were greedy. It sucks now, but oh well, that is the consequence for their actions. Take responsibility, lose the house and move into one you can afford. It may be smaller and all and not as nice, but thats life. I would like to live 3 years with no mortage payment...Banks sitting on so many of these bad loans that if they wrote them off,they would go out of business...This economy is finished...We are up near 100 points on more horrible unemployment news again today...All I keep hearing is it is getting better..It is NOT !!!! Lies,lies,lies..... James, agree completely. My problem with this is, there are those of us who play by the rules, pay our bills, scrimp and save. Then along comes people like these who find a way to get over on the 'big, bad banks'. Then we get stuck with their cleanup. I am so tired of hearing about the 'big, bad banks'. Sorry folks, they would not have issued these loans if people were not wanting them. so I lay the blame at 90% borrower and 10% bank, not the other way around. It is time for these people to man up (or woman up) and pay their bills or turn the houses over to the banks. Shocker to all americans you are not guaranteed a job or income like my her taught me make a dollar save at least 20% and you will be fine. I bet the last 2 responders who haven't made a mortg payment in years and also got their mortg and interest lowered live in a nicer home than me. I could afford a $500k home but live in a $160k home and have money in the bank. If I lost my job I could go years without a paycheck and not skip a beat! Stop depending on others to fix the mistakes you made! You can also live in these houses once the previous owners move out. Just call the utility company, have the power turned on you're good to go - just have to leave the front door open since there is no key. Haven't paid rent in over 14 months, lived in Malibu, the Kredyty Bez Bik and now in Seal Beach. I'm sorry, nobody forced you to sign those loans morons. You should not only lose your houses you should spend time in jail. You are nothing but a scum bag criminals. Not everyone had a bad loan (ARM) or a huge loan. Some people are just regular hard working people who were living within their means and making their payments like everyone else. They even had money saved for a rainy day. Then BAM! Job is gone, and after 3 years - still looking for something even close to what they were earning. Savings spent and house in foreclosure. What would you do? False. Those people make up an insignificant portion of this problem So let me get this straight. When we bought our house in 2000, we made a conscious decision to live below our means. We could have afforded twice the house we bought, but instead we were responsible, bought a very modest 1300 sq foot house, financed it on a fixed rate for 15 years. Sure, we could have bought a 2500sq foot or 3000 sq foot place on an ARM over 30 or 40 years. Instead, we did the right thing, and deliberately underextended ourselves. No granite countertops, no huge walk in closets, no gorgeous tile and hardwood. Now that the housing market has tanked, we're actually able to stay in our house, and pay our mortgage. Where is my "adjustment" or "renegotiation" on my mortgage? This entitlement mentality drives me nuts. How in the world is it et to stay in your house for years without paying? Is it OK for your employer to not pay you for 5 years but expect you to show up to work? YOU thought the house was worth what YOU chose to pay for it, so don't whine now when the market falls and YOU made a poor choice. Unbelievable. You don't buy the house you can barely afford when everything is peachy. You buy something below your means so that if your circumstances change for the worse, you aren't living on the edge from paycheck to paycheck. I don't know why I even work or pay my bills anymore. I should just claim anxiety disorder or fibromyalgia, go on disability, and default on all my obligations. It's the new American way. I sure wouldn't expect to live in my house for 5 years for free. Plus, we bought such a modest house and have saved enough money that we could probably foot the mortgage on one income for quite a while until we were both employed again. Sure, you can come up with some doomsday scenario, but my point is that many of these folks bought way more house than they needed to and planned poorly. You can't blame it all on the "system". You have a certain responsibility to exercise your intelligence enough to not get in over your head. Hey ... some of us who "claim" to have anxiety disorder are pretty well off. I work full time, have a masters and own my house outright. All without disability. Contrary to popular belief... we aren't all low functioning, xanax popping couch potatoes. Go figure. 5 years ago? This has nothing to do with current economic events, these people couldn't make it in a good economy. HA! This is in Florida, try that s&@T in Georgia, with no need to go through the courts, you'll be out in 30 days. Trust me! Yup; Florida has become yet another "Socialist Paradise." This is why we need relief for people like me that pay our mortgage on a house that we can't sell because of folks like this. I honestly am under informed on why it takes years to foreclose a home. I'm not sure why a bank can't just throw the house up for auction. Someone would yank up these homes, start paying bills and get these squatters out of here. I get that banks want their total money but honestly people squatting for three to five years isn't going to bring banks money and even if the bank fights off the legal effort to modify the loan then it still won't bring the bank money. This makes me sick to know that I work hard for every penny that I pay towards my mortgage and these jokers are whining about family pets and even holding financial positions while squatting(and yes they should be fired from a financial job if they can't figure out their own finances). I do feel bad for those that were tricked into bad loans but borrowing against your home for businesses and such was a decision that these people made that was incredibly risky and they knew it. They failed and now the taxpayers will have to foot the bill. Sure the banks shouldn't have let them do it in the first place but they made the decision. All of this sounds criminal to me. Feds should read this article and take action, minimally the banks should. It's because, over the years, politicians who cater to the Loser-class have built such an array of Loser protections into American business law that now it pretty-much takes a full-on assault by a Marine Expeditionary Task Force to pry the deadbeats out. 600K is owed on a house worth 250K ---- where is a bank going to find someone to pay that money --- if a house worth 250K is in forclosures Buyers want to pay less than fair value not more That is the problem -- the bank cannot get their money Actually, 8 million people are delinquent right now (many by choice) and the banks are not kicking them out. Why? Because the moment a bank forecloses on a house, they have to report the loss. As long as the bank does not foreclose, they can 1) continue to report the loan as an asset/account receivable 2) keep values artificially high and 3) manipulate a false sense of supply and demand by trickling foreclosed homes SLOWLY to the market. Smoke and mirrors.. The problem is, if the banks actually foreclosed on all delinquent borrowers (as they should), the banks would be immediately insolvent. So in the meantime, the big banks are playing the "Fantasy Land" game and us tax payers are keeping them afloat. It certainly isn't the checking account fees, etc. that are keeping them alive. It's OUR tax dollars. It's a big stack of cards waiting to fall... 100% correct !!! Insolvent mess going to fail.....The cards are going to fall hard !!!! Banks fear that they won't find buyers and the homes will sit, dilapidated. But if they leave things as they are, they drag out the crisis. All those rumblings about a new American Revolution? It's started, folks, and this is just the beginning. Let's hope it's restricted to the financial realm. Leveling the playing field so that Average Joes have opportunities for success, just like corporate magnates and politicians, would go a long way toward easing the rage in this country. But I don't think our current crop of legislators has any interest at all in making the fix. There is nowhere near enough rage for a revolution. This is the cause of our wonderful economy problem...NOT Pożyczki ..NOT Kredyty. It is this persons stupidity and selfishness pulling us all down. Their risk should be their loss.. Not stupidity, plenty of smart people are under water. It is the lack of regulation. When you get surgery, you place trust in your licensed physician. When you fly, you place trust in your licensed pilot. You don't operate on your own gall bladder and fly your own plane. When you buy a house, you are placing trust in the bank and when you buy stocks you are placing trust in the SEC. The fault is the US Congress that allowed Goldman Sachs to collateralize bank loans and dupe investors. Goldman and the US Congress should be tried under Islamic Justice. Huh? No regulation? There are mountains of regulations. Read the story of how Congress (Democratic control at the time) changed "regulations" and strong-armed lending agencies - i.e. Fannie Mae, Freddie Mace, others - to lend money to underqualified applicants so they, too, can feel good about themselves. Guess what? They defaulted! Regulation? This IS the result of regulation and federal government interference. See "Entitlements." No sympathy for the squatters. Evict their butts on the street. All of these people are miles under debt yet still living in their homes for free, paying utilities and taxes only? I have to assume that they are at least paying those two because otherwise the state would have seized the property by now. ...really if they keep up the good work the banks will give them the houses just to keep them in the neighborhood. Issue I have is there are so many people walking away from mortgages and are now buying homes or after 2 years have the ability to buy home for far less than a few years ago. My wife and I bought a home we could afford. We make each payment, even during the tough times while we had a loss in income. My question is, my house isn't worth what it once was, will not be for some time. I would love to see someone forgive a third of my loan and lower my payments. The HARP program helped alot of people who didn't need it. Yes they saved money, but what about me and my wife, we are under water, our rate is good, but payment is high. There are people buying today for more home than we have, and paying vastly less. I know that is how the market goes, but it still doesn't make it fair. Only stupid people get an ARM and then even stupider and take out another mortgage because the housing value increases.....to live beyond their means....I don't feel sorry for them. L.p. 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I realize the majority of TARP has surprisingly been repaid and that Wall Street execs are back to "earning" record bonuses, but we can't have millions of folks skipping their financial obligations, it's not fair for everyone else and I believe it adds to the housing market woes. It definitely disrupts the cash flow. However, people not paying their mortgages are probably bolstering the retail sector...you know they're spending it up. I can't believe you people! Did you really read the article? Most of the people can't pay because they lost their jobs. If you don't have a decent job, how can you make the payment? And, if like me, you are trying and trying to work something out with the bank only to have the paperwork lost or constantly being asked for more information, with no resolution, what are you supposed to do? I had a good job, a decent (not huge) mortgage and everything was going fine until the economy collapsed. Now I work for 1/5 of what I was earning and I'm lucky to have that. I've been looking for something better for 3 years! I'm trying to work out something but the bank just keeps blowing me off. So, do I give up and move or wait it out? Freeloader? I'm happy to pay, just get the bank to tell me how much and when to start sending it. And, get the economy rolling again so decent jobs are available - then I'll go back to paying my original payment. I don't live in a bigger house than you do and I didn't have a big loan or even an adjustable one. I wasn't living beyond my means and I had money in the bank. But the job loss was huge! I've been trying to make my way back ever since. And the bank? I've offered to send whatever I can - they won't take my money. They are foreclosing ... but when? It's taking forever. This is infuriating. These people signed a contract that clearly stated what their reponsibilities are. Sorry if you didn't read it. Instead of being in a house for 5 years, they should be in prison for theft. I'm getting tired of people thinking others' are responsible for thier poor decision or bad luck. dolnośląskie kujawsko-pomorskie lubelskie lubuskie mazowieckie małopolskie opolskie podkarpackie podlaskie pomorskie śląskie świętokrzyskie warmińsko-mazurskie wielkopolskie zachodniopomorskie łódzkie Banks do not want to write off the bad loans...It hits their bottom line and stocks will go down..What a scam !!!! Some of these people should be in prison for what they did........ Both the borrowers and the lenders are at fault. No one forced these people to use their home as a piggy bank and take out extravagant second mortgages on them. Smart people didn't fall into that trap. The banks are equally to blame for their predatory lending practices. see more: http://www.html.net/forums/viewtopic.php?f=5&t=374&p=6388 Some of these comments are ridiculous. If people can not pay their bills what are they supposed to do? If the bank takes their houses, what are they going to do with them? No one wants to buy the houses, and with no one living in them they will deteriorate much faster. If houses are going to just be sitting there someone might as well be living in them and paying their other bills, paying whatever they can for things like electricity and water and supporting small businesses. If we force these people out of their homes it will cause a greater issue. Ross - you just can't stop embarassing yourself can you. What was the point of adding "boy" at the end? Did that make you feel better? Was I supposed to be insulted such a comment from the likes of you? If you have a relevant point to make, make it. If your immaturity requires you to devolve to name calling, well, I guess that just tells evereyone here the real value of your comments. What did you do with the half million dollars in equity loans? And get a dog, maybe two ... And have a kid while you're at it. We all know you are good at making excellent financial decisions. These people all created their predicaments. Pożyczki gotówkowe Online. Must be tough living 'rent free' for a few years. The bank could have kicked her out on day 181. Why didn't they then? Honestly Lynn should go to prison, its stealing. If you go to rent a center, and sign in on a contract and say hey i am going to pay this amount for this. And you take it to a pawn shop for a loan. If you dont keep paying it, you go to prison. Its a felony, you are locked up, because its stealing .... how simple of a concept is that, what because its a bank a so called faceless organazation that loaned you money to buy something you couldnt afford. They are some how wrong ? you cant own a house because you couldnt make and save enough, so the bank loaned you the money to do it. And you robbed them, so other people cant get paid and make money, because you robbed the lender. It should be a friggin crime. This isn't just about the "evil" Banks. This is about a large number of people who want to continue living like Kings by manipulating the system to not having to pay off their debts and blaming someone else to garner sympathy. It is just as much about individual greed than corporate greed. I don't get it. The only guy in this article really worth any consideration is the actor, as he's the only one stuck in a situation NOT of his own making. The others pożyczki? They seem to think that they're entitled to be stupid, greedy idiots who don't have to read a contract before signing it. I have zero sympathy, and yet I KNOW some pack of bleeding-hearts will stampede to their rescue, doubtlessly at the expense of everyone who had the gall to actually live their lives responsibly. L.p. Rata Odestki bez bik Kapital 1. 5 979.17 145.83 5 833.33 2. 5 967.01 133.68 5 833.33 3. 5 954.86 121.53 5 833.33 4. 5 942.71 109.37 5 833.33 5. 5 930.56 97.22 5 833.33 6. 5 918.40 85.07 5 833.33 7. 5 906.25 72.92 5 833.33 8. 5 894.10 60.76 5 833.33 9. 5 881.94 48.61 5 833.33 10. 5 869.79 36.46 5 833.33 11. 5 857.64 24.31 5 833.33 12. 5 845.49 12.15 5 833.33 w sumie: 70 947.92 947.92 70 000.00 pożyczka online In 2005 I purchased a home on a 5/1 ARM. Before and at closing I was given a ton of paperwork which included a sheet that showed me how my mortgage would change in 5 years if I did not refinance. I am fairly certain that most people also received this paperwork at closing. In year 4 I began to look for refinancing options and refinanced to a fixed rate with my existing mortgage lender. My payment actually went down. Not so hard. And yes, I believe I am responsible for my decisions and actions, not the banks or mortgage companies. What I sign is my responsibility. It isn't that hard to figure out. The banks created this mess, we bailed them out and now what have they done in return? POZYCZ-TERAZ is having trouble, the banks want to threaten us with charges to make up for what they lost in the new legislation. No matter what you do, the banks are going to find a way to take money out of your pocket. I sincerely hope the who economy tanks. The people who have cheated and stolen money from those out of work (the banks were responsible for the way the economy is now, along with the republicans who deregulated so the rich could get richer) would suffer the worst. Had we let it tank when this started, instead of bailing out the people who caused this, we would already be on our way out of this mess. From now on, I vote all the incumbents out, no matter which party they are from. Pożyczki Online dolnośląskie kujawsko-pomorskie lubelskie lubuskie mazowieckie małopolskie opolskie podkarpackie podlaskie pomorskie śląskie świętokrzyskie warmińsko-mazurskie wielkopolskie zachodniopomorskie łódzkie Rediculous! You make an agreement, you are bound to its terms. Remind me to never do any business with you! You can't be trusted to keep your word. People have to create their own bailouts! Many have! If the banks are willing to be ruthless the homeowners have to do the same in return. I lost my job and went 3 years without making a payment. When I got a job it took another year to work things out with the bank. In the end the bank forgave $80K of principal and all late fees. They stuck the arrears at the end of the loan, increased the loan term to 40 years and knocked the interest rate down to 2%. If you're fighting foreclosure, fight on brothers and sisters, fight on! The bank lost money on you. You made out like a bandit. Who are you to call them ruthless? MysticRedcat In this case we were both ruthless. Kudos to me! So you couldn't resist. I asked why you had to sink to using the term "Obozo" and "schlong" to make your point, and now I'm an idiot. Thanks for reinforcing my point that you lack the language skills to make your point without sinking to unnecessary pejoratives.
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