Excuse me, I am so fucking tired of people demonizing me because I don't want the government to take over my life. You have no idea about me except that you know I don't believe the subprime crisis is causing homelessness. I think you are a fucking liar regarding this because you want to control the rest of us.

LET ME SAY THIS ONE LAST TIME

THE SUBPRIME CRISIS IS NOT NOW NOR WILL IT EVER CAUSE HOMELESSNESS.

You fucking fruitcake, I never said all homelessness was caused by the subprime or that you said all homelessness was caused by the subprime, I said simply that you are a fucking liar regarding people becoming homeless because of this.

Now, you and IHNR go measure who has the biggest dick

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Its better to have fussed and crabbed then never to have fussed at all - Lucy

I'm right here...

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BuildtheDream.org

I don't have a dick.. Why not measure your own if you can find it..

Why do you care whether subprime mortgages are responsible for homelessness or not and if so who do you blame?

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You can never dent spiderwebs

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.

I don't blame these foreclosuers on the lenders. I blame it on our
Government who is allowing these lenders to praise on these
kind of people. Yesterday, I received a fax from the Dept of Human
Services (Social Service). A memorandum stating that there is a
great variety of resources that (so-called) exist to assist individuals
who foreclosure. The purpose of this menorandum is to make Social
Workers, and Activists aware of the resources THAT may help Families
or Individuals avoid foreclosurers.

Now look at the game that's being played. There is a so-called State
of Emergency Relief (Where this program been hiding)? Which is suppose
to be overseen by the Dept of Human Services in each State, and the
program is supposely pay UP to $2000.. The $2000 is a LIFETIME limit
that includes all home ownership services-martgage/land contact
payments, property taxes, home insurance and/or mobile home lot rent
for mobile home owners/purchasers. The eligibility policy is supposely
to be availible on location in the SER manual 304.

However, this information is good and fine, but what about the poor
who can not qualify to apply for these services? As a State agent I
feel that the States Dept of Mental Health should step up to the
plate to assist those who are homeless without a cause. Here in
Michigan...mental health is the biggest problem thats cause many
homeless people to be out in the streets.

This is a very deep topic to discuss, but while discussing this topic
one should understand the many reasons for homelessness, and
homelessness isn't just because someone is to lazy to work. The
main issue is our Federal Government is the ones who caused this
situation to occur, and IF we are the Government why are we
allowing these situations to happen? I know ONE damn thing that
talking about it, and doing nothing is a waste of time.

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I believe in a Eye for an Eye. Fight me
I will fight you back.

Homelessness does have many causes. Blaming the Federal Govt and looking to it to stop homelessness is one reason it won't go away.
Mental illness and drug use (funny, many posters in here claim drug use is just an innocent pasttime) are listed as reasons for many of the homeless. I'd be interested in a link showing mental illness being the "biggest problem thats cause ..."
Trying to blame lenders is also pretty lame. Many of the homeowners in trouble had no business getting the loans they did. Too many homeowners use their homes as ATM machines, getting refi after refi.
I'm sure there were some people taken advantage of...either they didn't understand what they were getting into, or they were never told of the possible problems associated with their loans.
I feel sorry for the elderly and for those that were truly duped. The companies involved with that kind of deceit should be punished.
But there is also blame to go around for the homeowners. Sure the loans were pushed...someone wants to make money. This has been going on forever. Many of the people in trouble now knew, or should have known, they couldn't afford what they were buying.
Americans are notorious for seeking instant gratification. No patience to buy a starter home and work up.
Education, and help for the TRULY needy is the way to attack homelessness. Not the govt.

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.

__________________
I believe in a Eye for an Eye. Fight me
I will fight you back.

I agree and think the lenders should now have to fix the whole mess on their own without the help of the government

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You can never dent spiderwebs

Excellent post, agreed.

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Mr. Stockbroker
"As a matter of opinion though possibly retarded WVpeach is still smarter than you. LOL"