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Chemical Anarchy
The Chemistry of Winning
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Animal
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Joined: 08 Jun 2009
Posts: 3701
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 Posted: May 17, 2010 4:31pm Post subject: |
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Well, with the euro tanking, that may push prices back up in US real estate especially if they buy the bunk that 'housing has recovered'.
Me, I don't believe that shit for a second cause interest hit lows last week meaning shit ain't selling and most people need 15-20% which 90% or more can't do and even an FHA first buyer needs 3% and 4% closing for a total of 7% and most can't afford that, either!
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CtG is SOLVATION!
If the devil were in fact real, I would steal his power!
You have all the answers, but don't know what you are talking about.
There ARE stupid questions because there ARE stupid people!
Chemical Anarchy in the USA! |
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PaulSmeenis
Joined: 23 Aug 2005
Posts: 132
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| Posted: May 19, 2010 12:09pm Post subject: |
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We got hammered again on the market here in Oz down 1.9% today. Already 12% or so wiped off the stock market in the past 2 weeks.
USD has gone skywards against the AUD now trading at 84.3 cents down from 88c. Fk me, market must be bloody spooked as all other currencies pretty stable against the AUD. |
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Animal
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Joined: 08 Jun 2009
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| Posted: May 19, 2010 2:46pm Post subject: |
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Because it takes awhile for the shit to wind up and the 'fuck you money' given to the banks and the like is still in the system. Likewise, as I've been discussing over and over, the banks are still holding onto a huge volume of homes in their land grab. Word last week was that a 'whopping' 330,000 people qualified for the mtg assistance program, but only 10% had been helped or had it completed!
Last week and while I didn't post it, it was all a chimpanzee fuckfest that housing was coming back and building was up and foreclosures were going down..........HAHA!
| Quote: |
Mortgage delinquencies and foreclosures break records as foreclosure crisis fails to abate
By ALAN ZIBEL
AP Real Estate Writer
(AP) 10:29:18 AM (ET), Wednesday, May 19, 2010 (WASHINGTON)
The number of homeowners who missed at least one payment on their mortgage surged to a record in the first quarter of the year, a sign that the foreclosure crisis is far from over.
More than 10 percent of homeowners had missed at least one mortgage payment in the January-March period, the Mortgage Bankers Association said Wednesday. That number was up from 9.5 percent in the fourth quarter of last year and 9.1 percent a year earlier.
Those figures are adjusted for seasonal factors. For example, heating bills and holiday expenses tend to push up mortgage delinquencies near the end of the year. Many of those borrowers become current on their loans again by spring.
Without adjusting for seasonal factors, the delinquency numbers dropped, as they normally do from the winter to spring.
More than 4.6 percent of homeowners were in foreclosure, also a record. But that number, which is not adjusted for seasonal factors, was up only slightly from the end of last year.
Jay Brinkmann, the trade group's chief economist, said the foreclosure crisis appears to have stabilized, as the seasonal adjustments may be exaggerating the change from the previous quarter.
"I don't see signs now that it's getting worse, but it's going to take a while," he said. "A bad situation that's not getting worse is still bad."
Economic woes, such as unemployment or reduced income, are the main catalysts for foreclosures this year. Initially, lax lending standards were the culprit. But homeowners with good credit who took out conventional, fixed-rate loans are now the fastest growing group of foreclosures.
Those borrowers made up nearly 37 percent of new foreclosures in the first quarter of the year, up from 29 percent a year earlier.
The risky subprime adjustable rate loans that kicked off the foreclosure crisis are making up a smaller share of new foreclosures. They made up 14 percent of new foreclosures in the January-March period, down from 27 percent a year earlier.
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_________________
CtG is SOLVATION!
If the devil were in fact real, I would steal his power!
You have all the answers, but don't know what you are talking about.
There ARE stupid questions because there ARE stupid people!
Chemical Anarchy in the USA! |
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Animal
Bigger, faster, badder, better!
Joined: 08 Jun 2009
Posts: 3701
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| Posted: May 25, 2010 4:02pm Post subject: |
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Ahh good?
HAHA!
| Quote: |
Home prices fall 0.5 percent from February to March, a sign of a softening housing market
By J.W. ELPHINSTONE
AP Real Estate Writer
(AP) 10:27:37 AM (ET), Tuesday, May 25, 2010 (NEW YORK)
Home prices fell in March from the previous month, a sign of a weakening housing market despite historically low mortgage rates and now-expired tax credits.
The Standard & Poor's/Case-Shiller 20-city home price index released Tuesday posted a 0.5 percent drop from February.
Prices in 13 of the 20 cities tracked by the index fell month over month. Only six metro areas recorded price gains. One, Boston, came in flat.
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_________________
CtG is SOLVATION!
If the devil were in fact real, I would steal his power!
You have all the answers, but don't know what you are talking about.
There ARE stupid questions because there ARE stupid people!
Chemical Anarchy in the USA! |
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DOZZ
Joined: 28 Oct 2004
Posts: 72
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| Posted: Jun 10, 2010 3:32am Post subject: |
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look below
Last edited by DOZZ on Jun 10, 2010 3:36am; edited 1 time in total |
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DOZZ
Joined: 28 Oct 2004
Posts: 72
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| Posted: Jun 10, 2010 3:33am Post subject: |
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| DOZZ wrote: | [b]Man its funny how those commies in the white house pump bulllshit propaganda all over..they always trying to pump up how great things are but all lies
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Why you shouldn't be overly optimistic about real estate right now
After years of hearing how home prices are plummeting and foreclosures are mounting, consumers want to feel hopeful about the housing market — but maybe they're being too optimistic
In a presentation to the National Association of Real Estate Editors in Austin, Texas, last week, Stan Humphries, Zillow.com's chief economist, pointed to four myths he said consumers are latching on to as they try to make sense of recent housing statistics.
The four myths:
1. The housing recession is over. It's not, Humphries said. He estimates the bottom in home prices won't come until the third quarter, at least from a national perspective. Doug Duncan, chief economist at Fannie Mae and also a speaker at the conference, agreed with that estimation.
2. After markets hit bottom, prices will rebound to boom levels. Not going to happen, at least for a while, Humphries said. "Once we hit bottom, the bottom is going to be a long and flat affair across the markets," he said. "What we're going to see once we hit bottom is the second phase of the housing recession... that second phase is one of being flat."
3. The worst of the foreclosure mess is behind us. More wishful thinking, according to Humphries. He estimates foreclosures will peak later this year, then remain elevated for a while. Rick Sharga, senior vice president of RealtyTrac, an online marketplace for foreclosure properties, said he doesn't envision foreclosure activity stabilizing until late 2011.
4. The tax credits saved the housing market. With or without a tax credit, those who bought would have done so anyway, Humphries said. "The biggest impact [in home sales] we believe were low prices... low interest rates and the unsung factor here is the ramped up lending by the Federal Housing Administration."
Still, it's easy to understand why many homeowners want look on the bright side.
"They went from what everyone thought was a lucrative asset to something worth a lot less than they owed on it," said Douglas Culkin, president of the National Apartment Association, in a phone interview. "We all want it to get better," he said.
Some want to finally sell their homes and move on with their plans. And homeowners are tired of thinking their houses are bleeding equity, losing value like a new car driving off the dealership lot.
As for prospective home buyers, even if consumers are feeling confident enough to take an extra trip to Wal-Mart these days, many are not going to jump in and spend on a large-ticket item like a house, said Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling.
"The reality of the situation in which we find ourselves today has sunk in with people," she said in a phone interview. "If a foreclosure hasn't been a part of their life, it has been a part of someone else's life... and they've seen the pain that inflicts on the family."
That perception isn't going to fade quickly.
It makes sense to be gloomy
Despite statistics showing some housing-market improvement, there's still good reason for pessimism.
The most recent Case-Shiller report showed prices rose 2.3% in March, compared with March 2009. The National Association of Realtors recently reported that in April the median existing home price rose 4% in the past year; existing home sales were up 7.6% in April to a seasonally adjusted annual rate of 5.77 million.
While it's too soon to quantify the degree of the effect, the deadline for the home-buyer tax credit likely played into the numbers. Contracts needed to be in place by April 30 to qualify, and some economists say that incentive made buyers move earlier than they would have otherwise. Any bump from a temporary credit is soon over.
But there is another important reason to take improving numbers with a grain of salt: What people are calling "shadow" inventory.
That's primarily inventory that banks are holding, homes that have been foreclosed on but haven't yet hit the market. There are also severely delinquent homeowners who haven't entered foreclosure yet, but who will eventually get there. Right now, many of them are trying to work out some sort of mortgage modification.
Then there's this: The group of "sidelined sellers," or people who want to sell their homes but have waited for the storms to pass, Humphries said. About 7% of homeowners — representing more than 5 million homes — fall into this category, and are very likely to try and sell their home in the next year if there are signs of improvement, according to Zillow estimates.
Additional inventory on the market slows any housing recovery.
Personal economies
Despite Humphries' theory that Americans are too optimistic on housing, there are plenty who still remain cautious. And if they're not looking at housing statistics with a skeptical eye, their personal economies are providing a reality check.
Most obviously, salaries for many Americans have been frozen or cut, and then there are the large numbers of people completely out of work, Culkin said.
According to a recent NFCC survey of more than 2,000 consumers, 49% said that if they were to attempt buying a home today they'd never be able to save enough money for a down payment. Coming up with a down payment has traditionally been problematic for first-time buyers, but it has spread to those who have owned before; many people are underwater in their mortgages, making it harder for them to get funds to move to another house.
Plus, today's buyers aren't only concerned about the ability to get a home but also their ability to keep it, said Duncan, of Fannie Mae. In the long run, that attitude is a good thing for the economy, he said.
"It's not just that we want a house," Duncan said, "but we will delay getting that house until we can afford to get it and afford to keep it." |
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Animal
Bigger, faster, badder, better!
Joined: 08 Jun 2009
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| Posted: Jun 10, 2010 4:35pm Post subject: |
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perfect timing Dozz as that confirms what I've been saying about the banking scam and not releasing houses and then today this appears on how it is exactly what is happening AND a second crash of housing is coming:
| Quote: |
The number of people facing foreclosure is nearly flat from a year ago, according to the latest report from a private foreclosure listing service. A third fewer people are receiving legal warnings that they could lose their homes. And foreclosures are receding in some of the hardest-hit cities.
Still, the number of foreclosures remains extraordinarily high. Experts caution that a big reason for the stabilization is that banks are letting delinquent borrowers stay longer in their homes rather than adding to the glut of foreclosed properties on the market. New consumer protection laws, which vary by state, have also meant borrowers can spend more time in their homes.
A new wave of foreclosures could be coming in the second half of the year, especially if the unemployment rate remains high, mortgage-assistance programs fail, and the economy doesn't improve fast enough to lift home sales.
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_________________
CtG is SOLVATION!
If the devil were in fact real, I would steal his power!
You have all the answers, but don't know what you are talking about.
There ARE stupid questions because there ARE stupid people!
Chemical Anarchy in the USA! |
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DOZZ
Joined: 28 Oct 2004
Posts: 72
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| Posted: Jun 10, 2010 11:30pm Post subject: |
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YO A , Came across this today..things seem to be looking up for our recovery
| Quote: | Bankruptcy filings are nearing the record 2 million of 2005, when a new law took effect that was aimed at curbing abuse of the system. Filings could reach 1.7 million this year, says law professor Robert Lawless, but few experts believe that debtors are now gaming the system.
Instead, concern exists about a growing number of Americans who need bankruptcy protection but cannot get any benefit from it or simply cannot afford to file. As their financial problems worsen, that hurts everyone because it can hinder the economic turnaround.
"It's shocking that we are back to the 2005 level," says Katherine Porter, associate professor of law at the University of Iowa. "And the filing rate doesn't even begin to count the depth of the financial pain."
Bankruptcy laws changed in 2005 because filings skyrocketed and credit card companies and banks wanted to weed out deadbeat borrowers. The law made it harder — more expensive and more restrictive — for individuals to file Chapter 7 bankruptcy, which erases most debts.
Instead of seeking protection from bankruptcy, a number of debt-laden Americans have gone into a "shadow economy," or informal bankruptcy, according to some experts.
The signs are there: Student loan defaults and home foreclosures are rising, and bank card loan defaults have increased from 7.7% in March to 9.1% in April, according to S&P/Experian Consumer Credit Default Indices. But during the same two months, bankruptcy filings fell by 4%.
Bankruptcy is supposed to provide a fresh start to people who are in serious financial distress. But only a fraction are filing, Porter says.
'My future is gone'
Carmen Gardiner, 25, a 2007 graduate of Louisiana State University, is weighed down by her private student loans. Her debt is now about $80,000, and her monthly payments are more than $600. Gardiner's undergraduate degree is in psychology. She lives with her husband, who is still in college, and earns $13 an hour at a call center in Atlanta. They have a 6-month-old daughter.
She hasn't defaulted on her student loan. But she doesn't see much hope. Bankruptcy would not discharge her debt.
"I'm completely sour about the whole idea of going to college," she says. "My future is gone before I have a chance to make one. But if I could discharge this using bankruptcy, it would be better than winning the lottery."
There is little information about unregulated private student loan debt. But during an investor meeting, Sallie Mae, the USA's largest private student lender, recently projected that 40% of $6 billion in subprime private student loans will default, according to Student Lending Analytics, an independent research company. That means 360,000 to 540,000 borrowers are likely to default on their loans, SLA said.
The only way that people with private student loans can get help in bankruptcy is if they can prove undue hardship. And to do that they have to go through a separate trial, which is an extra cost, involves witnesses, legal assistance and extra expertise, says Deanne Loonin, staff attorney at the National Consumer Law Center. It is a huge barrier.
But in April, both the Senate and House introduced legislation to allow for private student loans to be dischargeable in bankruptcy. Before the bankruptcy law changed in 2005, only government-issued-or-guaranteed student loans were protected during bankruptcy.
"The high interest rates on private student loans have made them incredibly profitable for loan companies and saddled students with crushing debt," said Sen. Dick Durbin, D-Ill., who first introduced this legislation in June 2007.
Filers pay now or pay later
Only a fraction of those in serious financial distress are filing for bankruptcy, Porter says. In January, she and Ronald Mann, a professor of law at Columbia University, released a paper, "Saving up for Bankruptcy," that probed why that is happening.
For starters, it's simply expensive to file. Attorney and filing fees have risen, and under the new law additional forms, paperwork and attorney liability have added to the cost, Porter says. In the first two years after the law changed, the attorney fees for filing Chapter 7 bankruptcy rose from $712 to $1,078, according to a study by the U.S. Government Accountability Office. And the filing fees increased from $209 to $299.
Many debtors have no choice but to delay filing for bankruptcy. Some wait until they receive a tax refund, and others cash out their retirement savings to pay for a lawyer.
But postponing filing is not good for debtors. It's similar to delaying going to the doctor, because you'll just end up with more problems, says Lawless, professor of law at University of Illinois.
The system is not just more costly, it is more complex. It requires pre-bankruptcy credit counseling. It requires six months of income information and two years of tax returns. And if the debtor holds off filing, a lawyer has to continue to gather new information.
"The paper chase gets greater, and then the fee goes up," says William Brewer, a bankruptcy lawyer in Raleigh, N.C.
Hanging onto their homes
Another reason: Many Americans who are trying to save their homes do not file for bankruptcy. Under the bankruptcy law, filers can protect their summer home and yacht, but they can't protect their primary residence, says John Taylor, president of the National Community Reinvestment Coalition, a non-profit organization.
That wasn't such a big issue when home values were rising. But during the recession, many homeowners are seeing values plummeting and their mortgage payments rising.
Home foreclosure filings have outstripped bankruptcy filings, Porter says. And foreclosure shows no sign of slowing down. In the first quarter of the year, foreclosure filings were 16% higher than the same quarter in 2009, according to RealtyTrac. And March was the highest month since RealtyTrac began issuing reports.
Cordell Brooks, 47, who lives in Temple Hills, Md., may soon lose his home to foreclosure. During the recession he was laid off from his job as a graphics designer. Since then, he has worked as a substitute teacher and now is a contractor with Prince George's County Housing.
"I've gone from earning $40 an hour to $17.50," he says.
Brooks, who has owned his home since 1989, applied for a federal program known as Home Affordable Modification Program (HAMP) but was turned down. He has few options. He doesn't want to file for bankruptcy. But even if he did, it wouldn't help him save his home.
"Bankruptcy is not very useful at solving this particular type of financial distress," Porter says.
Homeowners who applied for loan modifications could have been turned down if they also have filed for bankruptcy. But as of this month, a debtor who requests loan modification cannot be discriminated against because they have filed for bankruptcy, says John Rao, an attorney at the National Consumer Law Center, which specializes in consumer credit and bankruptcy issues. And that will help homeowners who are also overwhelmed by other debt.
Is it time for a change?
When the bankruptcy law changed in 2005, barriers were erected to prevent abuse. But it seems that many honest Americans who are in financial crisis are now running into obstacles. That raises questions about what can be done to prevent debtors from falling through the cracks.
Congress is considering legislation to help college graduates weighed down by private student loan debt. If passed, the legislation could roll back the bankruptcy law so that private student loans can be discharged.
The Treasury Department has agreed to revise the federal mortgage modification program so that people can't be turned down for HAMP just because they have filed for bankruptcy. But some say that this is just a Band-Aid. And now few homeowners are getting permanent mortgage modification.
The 2005 bankruptcy reform did not change mortgage debt. "Debt secured by a principal residence has not been dischargeable since 1978," says Philip Corwin, an outside bankruptcy counsel for the American Bankers Association.
Recent efforts to introduce legislation to allow bankruptcy judges to modify home mortgages have failed. "If Congress had had the wisdom to pass that three years ago we would have forced all the parties to the table to work out reasonable solutions," Taylor says.
The financial industry says that the bankruptcy law is not causing the shadow economy. People can still file for it, and if they can't afford the fees at least the court filing fees can be waived, says Scott Talbott, senior vice president of the Financial Services Roundtable. And people with student loans who have undue hardship are able to get financial relief.
But undue hardship is extremely hard and costly to navigate, says Lauren Asher, associate director of Project on Student Debt. There is no definition in the bankruptcy code of undue hardship, and the court decisions on it have been harsh, Corwin says.
Free legal services have been cut back during the recession and are not available for many debtors. It would help to roll back some of the changes that have increased legal paperwork and risk of personal liability, Lawless says.
The bankruptcy problems are not likely to go away anytime soon. If Gardiner's career is stymied because she can't afford to go on to graduate school and is burdened with student loan debt, doors may be closed to her.
"Not going on with her career and being stuck in a low-wage job hurts everyone and drags down the economy," Porter says. "It is not surprising that the bankruptcy code is not a fit for the problems of today. The 2005 amendment was a move in the wrong direction, and I think it's time to think about redesigning bankruptcy."
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raisingthebar
Joined: 01 Mar 2005
Posts: 854
Location: East Coast
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| Posted: Jun 11, 2010 2:17am Post subject: |
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Wow, so it is getting more difficult for people to take the easy way out and get a bailout of sorts. I understand that filing for personal bankruptcy follows you for many years, but people chose to live outside of their means and take on more debt than they can afford.
What about the rest of us who followed the rules, lived within our means, treated credit as if it were cash and so on?
I guess I would be pissed if I was one of these individuals and saw these huge banks get bailed out, but there was no bailout for the individual. That is why I am against both! There is nothing wrong with letting people fail and learn from their mistakes.
As for the costs of college, the guaranteed government student loans is what drives up the cost of tuition b/c the colleges know that the government will help subsidize the cost, thus allowing them to charge whatever the want. I have read that they want to change the law in such a way that if an individual cannot pay back the loan after a specified number of years (or the loan payments are a certain percentage of their yearly income), the government will wipe out the loan all together.
The costs are then put on the backs of the taxpayer so we can help pay for their college education! Awesome system huh?
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If you can keep your wits about you while all others are losing theirs, and blaming you. The world will be yours and everything in it, what's more, you'll be a man, my son.
Rudyard Kipling |
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DOZZ
Joined: 28 Oct 2004
Posts: 72
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| Posted: Jun 11, 2010 4:06am Post subject: |
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| Well, if people weren't taxed to death for our govt. to give hard earned money away to foreign aid and illegals people who just want to have nice things would be able to afford things without having to stretch to make it happen |
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Animal
Bigger, faster, badder, better!
Joined: 08 Jun 2009
Posts: 3701
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| Posted: Jun 11, 2010 2:59pm Post subject: |
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Wow did you guys miss the socialism for the rich or what!
Filing bankruptcy doesn't dismiss a student loan.............rich don't need a student loan!
Filing bankruptcy protects your yacht and second home, but NOT YOUR PRIMARY RESIDENCE! Thank fucking god all the poor people can save their yachts and second home!
Double dip is coming! Not quoted, but china is also going to bite it as they see inflation and growth slowing! Yea, they have a billion people, but when they supply every other economy and those economy's are tanking and people aren't buying as below, it's again a FARCE that china could be growing at all! Their own people don't buy their shit, it's all exported!
| Quote: |
(AP) 10:14:24 AM (ET), Friday, June 11, 2010 (WASHINGTON)
A big drop in May retail sales has raised new concerns about the durability of the economic recovery.
Retail sales plunged 1.2 percent last month, the Commerce Department said Friday. It was the largest decline in eight months.
Americans slashed spending on everything from cars to clothing to building materials. Auto sales fell 1.7 percent. Excluding autos, sales fell 1.1 percent.
Economists are worried that households will start trimming outlays as they continue to be battered by high unemployment and uncertainty in the stock market. Consumer spending accounts for 70 percent of total economic activity.
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People without jobs can't buy shit! Wake up!
And this is the kinda shit JV and others are relying on? People aren't buying shit which is EVIDENCE of REAL confidence, but their 'confidence' is going up. What a buncha retards! Yep, I'm confident I'm going to buy a car.........................someday!
| Quote: |
Stocks traded in a narrow range Friday after a report showed consumers are gaining confidence in the economy, even if they aren't returning to stores.Stocks erased much of their early losses after the Reuters/University of Michigan consumer sentiment index said confidence grew to its highest level since January 2008. The index jumped to 75.5, much better than the 74.5 forecast by economists polled by Thomson Reuters. |
_________________
CtG is SOLVATION!
If the devil were in fact real, I would steal his power!
You have all the answers, but don't know what you are talking about.
There ARE stupid questions because there ARE stupid people!
Chemical Anarchy in the USA! |
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PaulSmeenis
Joined: 23 Aug 2005
Posts: 132
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| Posted: Jun 14, 2010 5:43am Post subject: |
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Been crook through an infection lately so haven't posted much.
Firstly - DOZZ it has nothing to do with taxes, it has everything to do with US consumers going on a credit bonanza to buy all the nice things they want. You can bring forward tomorrows demand into today with loose credit, but at some point it MUST even out. You can't have some bloke buying a car today then buying another one next week aswell. That's how the US has been living and now is the period where it has to even out. At this rate it'll take over a decade to clean out because the US Govt just fucked up for 3yrs by doing all the wrong things.
Secondly - I agree with A. How can confidence go up but people spent less? Well to me that says one of 2 things:
1) The survey is full of shit
2) People feel safe to spend but can't because they have no money to spend.
China started winding back credit in April due to house prices going through the roof. You think the US housing prices were bad? The Chinese people are now buying homes at 100yr income prices. And by homes, i mean a small boxes.
The US Govt just approved to up the debt limit to 14T to so your Govt is showing no signs of winding back spending in any way whatsoever. Forget that the US could technically keep on doing this for 20yrs before they would default, you aren't going to get that far.
You can bet that when the Bond Markets shit themselves heavily due to Europe and up rates, the US won't be funding it's future Federal deficits at today's 3.5%, but at 7%+. That's when you find your lifespan cut from 20yrs to 3yrs and from there It's going to be very interesting.
How long until the bond market decides they want 20% |
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Animal
Bigger, faster, badder, better!
Joined: 08 Jun 2009
Posts: 3701
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| Posted: Jun 21, 2010 4:40pm Post subject: |
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The housing bailout is a failure! Again, like I've said over and over, banks don't want to renegotiate because a land grab is more money for the bank!
Even with the loan plan, even after being excepted, 1/3 or more have dropped out.................cause people without jobs can't pay!
| Quote: |
Borrowers face foreclosure after Obama loan assistance plan fails to provide help
By ALAN ZIBEL
AP Real Estate Writer
(AP) 11:32:41 AM (ET), Monday, June 21, 2010 (WASHINGTON)
A growing number of homeowners who sought help from the Obama administration's main mortgage aid program are in danger of losing their homes.
The Treasury Department says about 436,000 borrowers have dropped out of the $75 billion plan as of last month. That's about 35 percent of the 1.24 million who enrolled since March 2009.
The result could be a new wave of foreclosures that could weaken the housing market and hold back the broader economic recovery.
Most of those homeowners were rejected during a trial period lasting at least three months. About 6,357 dropped out after having their loans modified. Another 340,000 homeowners, or 27 percent of those who started the program, have received permanent loan modifications and are making payments on time.
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_________________
CtG is SOLVATION!
If the devil were in fact real, I would steal his power!
You have all the answers, but don't know what you are talking about.
There ARE stupid questions because there ARE stupid people!
Chemical Anarchy in the USA! |
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