Homelessness in America

justme · #**141** (**permalink**) 03-09-2008, 10:43 PM

Quote:

Originally Posted by Ghostdog

Sorry, but I have to disagree with the above statement, and why I am
doing that is because there is NO gradification. The only gratification
is that the Financiers should be the ones who say...Yeah this person is
qualified for the home starting program. AFTER they have did a major
background check, and the foreclosurers insn't really happening to these
first time buyers.

However, its happening to people who have had their homes for over
30 years, due to the high interest rates plus additional items being
added, and here in my area elder citizens is losing their homes because
of the high water & sewage bills being added to their property taxes.

This is a new City/County ruling thats been in effect since 2004. The
reason this happened was because the Water & Sewage bills was all
ways received late(Every Three Months) instead of once a month, but
once customers did get a water bill the Sewage rate is so high until
they was behind in payments. Then after the Tax payment is so high
the County steps in with a foreclosure.

Last Week a Woman with three young children losted her home be
cause of a foreclosure situation, but the killing part was she is the
one who is working, and she gave the money to her Boyfriend who
used the payments for something else. She was under the impression
he was paying the mortgage until the day the mortgage people came
out to her house with a eviction notice.

My agency has to step in to help find this lady shelter for her kids,
and the last payment her ex boyfriend disappeared. This is just one
of the many foreclosurer stories that can cause homelessness situations.

There is people with knowledge about buying a home, and is qualified
enough to handle mortgage payment. But that don't mean shit if the
payments are not paid. In closing I do agree that there should be a
way to prevent homelessness.

You're talking about local taxes, water, sewage, etc. That happens everywhere. Here it was insurance and taxes causing long-time home owners big headaches.

Thats all sad and a terrible tragedy but there is not one person you can point to and blame them. The legitimate lender who enters into a contract with a home-buyer is not at fault if property taxes rise. The lender can't be responsible for rising insurance costs.

All the problems you mention are at the local level. The only ones you should hold responsible are your local officials.

The woman giving her mortgage payments to her boyfriend...well, there is certainly someone responsible for that...the woman and her boyfriend. How can that possibly be anyone elses fault?

Look, I hate for anyone to lose a house to foreclosure. My wife and I were friends with a couple that got into buying distressed properties. They tried to get us involved and were always bragging about the money they were making. They even tried to convince us how they were "helping" the people they dealt with by keeping them from losing the home to foreclosure.

I finally told them I wouldn't be able to sleep at night doing what they did. I found it dirty and pathetic. That was that. (Karma may have gotten them because we learned a couple years later they had gone into bankruptcy.)

I stand by what I said...educating people about buying a home and finances in general would be a great start. The govt, locally, should provide some assistance to help the truly needy eventually work their way into a home. Mental health services, drug counseling, Whatever it took.

nathanbforrest45 · #**142** (**permalink**) 03-10-2008, 09:11 AM

Quote:

Originally Posted by Lexi

I just care about all homeless people. I happened to make the remark about SOME people in my area that are homeless because of subprimes and Nat the Rat went on a tirade. Go figure....

Truthfully I blame the lenders the most since they were out there pushing to get these unqualified people to take out these loans knowing they could not afford them.

So, you are another of the "elite" who believes the rest of us are too stupid to be able to understand what is going on around us and we wouldn't know that signing a subprime loan could be an extremely bad deal if the housing market declined?

Yes you do want to control people. You want to be able to tell them how they should live their lives, you want to get into every aspect of what we eat, what kind of cars we drive, where we can send our children to school and an entire plethora of other controls. You will of course claim you never said that but people with your mindset believe exactly that. You are unwilling to see the borrower was just as much at fault as the lender, perhaps more so since they could, if they weren't so greedly, have seen the pitfalls of subprime mortgages because you are quick to believe "others" can control the lives of the "little" people.

You have yet to prove the subprime issue has caused anyone to become homeless so you are just making this shit up for your own benefit.

Liar

Ghostdog · #**143** (**permalink**) 03-10-2008, 12:32 PM

Quote:

Originally Posted by justme

All the problems you mention are at the local level.
The only ones you should hold responsible are your local officials

Justme, You must not understand that laws work on different government
levels, due to the fact that laws are made into laws on all levels.
You keep talking about lenders.. " Fuck the lenders ". THey have control
over the persons account that they issued the loan ( Meaning IF a
person is having a hardtime meeting the payment schedule the lender is
the one to call) the lender is the one who can say okay there will be a
late charge OR can say we don't accept late fees.

At that point its not about blaming a person, but its about making some
kind of payment arrangements, and that lady who had the boyfriend if
she knew in enough time she could have made some kind of arrangements.
Regardless to if its local or not foreclosurers is happening in many cities
of the United States, and I will place the blame where ever the blame
needs to be placed.

So you are telling me justme that mortgage companies isn't suppose to
show NO GRACE PEROID for longtime customers? When a person is having
a hardtime meeting a payment schedule. They should always contact
the company first, secondly have documents to back up the hardship
claim, and give the company a copy (plus keep a copy for self).

There is a law that protact people from debt collectors which is called
the Fair Debt Law. Anyone can research this law by doing a search
The Fair Debt Law, and the most important thing is to know your rights
and law.

Lexi · #**144** (**permalink**) 03-10-2008, 01:35 PM

Quote:

Originally Posted by nathanbforrest45

So, you are another of the "elite" who believes the rest of us are too stupid to be able to understand what is going on around us and we wouldn't know that signing a subprime loan could be an extremely bad deal if the housing market declined?

Yes you do want to control people. You want to be able to tell them how they should live their lives, you want to get into every aspect of what we eat, what kind of cars we drive, where we can send our children to school and an entire plethora of other controls. You will of course claim you never said that but people with your mindset believe exactly that. You are unwilling to see the borrower was just as much at fault as the lender, perhaps more so since they could, if they weren't so greedly, have seen the pitfalls of subprime mortgages because you are quick to believe "others" can control the lives of the "little" people.

You have yet to prove the subprime issue has caused anyone to become homeless so you are just making this shit up for your own benefit.

Liar

You are one weird dude... Now you're telling me what I'm thinking and believing and you have no idea who I am at all. Now that's weird....

'His mother should have thrown him away and kept the stork.' - Mae West

nathanbforrest45 · #**145** (**permalink**) 03-10-2008, 01:56 PM

Quote:

Originally Posted by Lexi

You are one weird dude... Now you're telling me what I'm thinking and believing and you have no idea who I am at all. Now that's weird....

'His mother should have thrown him away and kept the stork.' - Mae West

Quote You are such a numbskull Nat... You just dont' seem to be living in the real world Nat. You just sound like a smartass that doesn't care about anyone but yourself. Figures... Your life.. Quote by Lexi

And how is my pointing out where your philosophies will take you inferior to the above statement you made regarding me? Tell me why I am wrong in considering that you believe the Government and can should relieve mankind of all his ills. Tell me I am wrong that you believe the state should be responsible for our healthcare, for outlawing cigarette advertising, for demanding that we all wear seat belts, that motorcyclist should wear helmets under penalty of law, that children should be put in the back seat of the car in a child seat. Tell me truthfully you don't believe any of that but I believe that you do.

Lexi · #**146** (**permalink**) 03-10-2008, 03:28 PM

Quote:

Originally Posted by nathanbforrest45

Quote You are such a numbskull Nat... You just dont' seem to be living in the real world Nat. You just sound like a smartass that doesn't care about anyone but yourself. Figures... Your life.. Quote by Lexi

And how is my pointing out where your philosophies will take you inferior to the above statement you made regarding me? Tell me why I am wrong in considering that you believe the Government and can should relieve mankind of all his ills. Tell me I am wrong that you believe the state should be responsible for our healthcare, for outlawing cigarette advertising, for demanding that we all wear seat belts, that motorcyclist should wear helmets under penalty of law, that children should be put in the back seat of the car in a child seat. Tell me truthfully you don't believe any of that but I believe that you do.

You are still one weird dude, and NO i do not believe any of that...

nathanbforrest45 · #**147** (**permalink**) 03-10-2008, 03:38 PM

Quote:

Originally Posted by Lexi

You are still one weird dude, and NO i do not believe any of that...

I hate to say this but I don't believe you. Anytime anyone can't answer me they call me weird or a sociopath. You fit the catagory.

Have a nice day. I won't respond to any more of your post on this thread.

Lexi · #**148** (**permalink**) 03-10-2008, 03:41 PM

Quote:

Originally Posted by nathanbforrest45

I hate to say this but I don't believe you. Anytime anyone can't answer me they call me weird or a sociopath. You fit the catagory.

Have a nice day. I won't respond to any more of your post on this thread.

I don't care if you believe me or not and I did answer you so what's with the "anytime anyone can't answer me they call me weird"? That makes you look even more weird.

Well, thank you... That sounds good to me.