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Otherwise the debtor would take literally everything you have, kick you to the curb, and still beat you down because it wouldn't be enough to cover the debt whether it was wrongly accrued or not...

maybe you can buy the TV now at a "reduced rate" :D

The biggest reason why diets never work...you got to have that cheat meal/day in there to keep your body/metabolism in flux. I think it's roughly 20% over what your "normal" intake would be, which is a calculation of itself with several variables...so mileages vary. But it would be say 2400...

+1 must be the "morality" thing....most any 'smaller' bill takes at least 3 months before it would ultimately go to collections and subsequently get reported...or in utility cases it may just cause things to get disconnected and forcing you to pay it all then. On top of that, the companies...

I guess if anything, I'd be curious to see where these numbers are concentrated in...or are they spread out overall and no specific areas are holding a majority of these people.

up in the cities of the Northeast are where spots primarily have had trouble...even the metro areas. They seem to be leveling off now. Some slightly smaller city areas are now in the midst of what could be the double dip...they've had good drops YOY, then rose a bit in a few months, and now...

complacency kicks in nicely doesn't it...just know you had the wherewithal to see the grass is greener out there and make the better decision... ...knowing that many of these when they retire even with a good pension will have no life whatsoever, no drive, and no desire to do jack...

More nonsense to get people to spend and get business going...unless the government's kicking in to pay for all of this, almost no one'll listen except the real idiots.

Most stuff is still overpriced, yes. Some markets in my area are in the midst of what could very well be the double-dip portion. However, if you're buying in on something at 50+% off of its assessed/after repair value (like many of the bank-owned stuff that gets dumped on), and repairs bring...

How about the big mistake: not showing up in court. At least there you have a more reasonable shot, and even if judgment is filed, you can prove there to the representative what your finances look like. Then all they do is keep the judgment running, and the interest that mounts doesn't...

idiots buy at 10% "off"

+1 Either way, the banks have to rubber stamp these foreclosures one way or another...sure, some places they can "postpone" or hold off on foreclosing in general...but they can't do it to everyone. Beyond that, totally true on the last bit...nobody "cares" about the homeowner...even some...

Annually over 5 years, if "current." Well, if you're 20%+ underwater, there's a good chance you aren't current to begin with. 30% write down over 5 years banks on the theory that prices stop falling within 2-3 years tops. Otherwise this program is useless within the 30% principal usage...

I'll second EMR. Read that book...and others by Hill. And Dale Carnegie. Lots more but start there. Think about how much you want to make, then go after jobs in that area of pay. If you think about the job first, you may find something you like, but seriously will be disappointed with the...

Sunday night...when we are all "asleep" (like before). Then the pats on the back Monday morning before everyone realizes we are f'd...

Mehhh. Kill off SS in x years...grandfather those into it now, the rest you are SOL. The way it should be. Problem solved.

+1 and that may include (if you're going for a degree) considering something else in the end. If you already have one....better start differentiating yourself or immediately finding the more "secure" areas (for at least a while)...then when there, following what's coming next and be ready to...

Yep. Blizzards prevent hiring of all those people to work. Solution: no more winter. Wow.

Make it as part of the agreement...either you or them. In theory/my opinion, by doing so, your credit can eventually come back up (with a little work), and then...the offers start coming in again! LOL

Same here. Had to have been I think now about 5-6 years ago this happened. Just managed to find something at the end of things. Would have loved it now back then. But to no avail. It was further away and better pay, yet that pay I think mostly got eaten in the extra commute. Most people...