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no_hypocrisy Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:46 AM
Original message
"They wouldn't dare!"
You gotta hear this one.

I did a closing for a nice young couple about to wed, their first home purchase.

I explained the mortgage agreement and the ancillary papers to them carefully and they indicated they understood the terms and conditions.

Now the husband's been injured and out of work and their monthly income halved. The stress may even make them separate and live apart.

The husband's sister was talking to the wife, my client, and the latter expressed no fear whatsoever if they don't have enough money to make the house payments, because "nobody would EVER take away a house from a mother and a child".

She really said it and believes it.

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HughBeaumont Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:49 AM
Response to Original message
1. Huh . . . SOMEone doesn't know the banking industry very well.
Someone should take her to Flint, MI. Or Cleveland. Or Lorain. This shit happens with regularity and anyone who thinks different needs to get their head out of their ass.
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TwilightGardener Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:50 AM
Response to Original message
2. Are people just stupid? Do they not know how the world works, even as adults?
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China_cat Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:04 PM
Response to Reply #2
8. Are people just stupid?
Unfortunately, yes. As an example...I have a nephew whose wife convinced him that having a baby wouldn't cost them anything.

He's now in the process of declaring bankruptcy.
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TwilightGardener Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:06 PM
Response to Reply #8
10. Wow. Babies EAT money for breakfast!!! How could anyone think that
a baby isn't expensive? Boggles the mind.
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China_cat Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:21 PM
Response to Reply #10
12. I know. Even my sister tried to tell him.
He's regretting it now.
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JDPriestly Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:51 AM
Response to Original message
3. Try to find a helpful lawyer to talk to them.
They need trustworthy information from someone who is on their side. Lawyers often give a first consultation free, and that is probably all they will need. They just need some general information.
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Dhalgren Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:51 AM
Response to Original message
4. I really feel sorry for her child...
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NMDemDist2 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:55 AM
Response to Original message
5. she obviously hasn't seen the statistics on homeless children/families n/t
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abelenkpe Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:58 AM
Response to Original message
6. Oh no!
I hope they don't separate! Please offer advice on marriage counselling and finding a financial advisor who can help them through this mess. This housing thing is going to effect a lot of people and the worst thing a couple can do is split up during times of hardship. If they can make it through this together they can do anything. My boyfriend and I lost our place during the northridge quake, and it was a tough time. but we are married now and have children and our relationship is solid knowing that we can always be there for one another. I hope they can make it!
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Der Blaue Engel Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 11:58 AM
Response to Original message
7. Cool! I'm a mom...I'm gonna stop paying my rent!
What kind of sucker have I been, eh? All these years of juggling daycare, food, medical bills against my rent and I could have just claimed motherhood!
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TwilightGardener Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:05 PM
Response to Reply #7
9. Bearing a child makes you SPESHUL, obviously--
I have kids, I wish the bank would stop expecting me to make my car payment--I mean, they wouldn't take my CAR away from me, how would I get my kids to Tae Kwon Do???
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OzarkDem Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:36 PM
Response to Reply #9
21.  I fear its this kind of thinking that leads some women
to have children in the first place. The idea that having dependent children will somehow protect them from financial disaster.

Whatever happened to getting an education, getting a good job and living within your means?
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seabeyond Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:07 PM
Response to Original message
11. ya right. and an utility company wouldnt turn off heat in middle of winter. n/t
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sandnsea Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:26 PM
Response to Reply #11
16. Actually, they just said that on MSNBC
If you can't pay your heat bill, call your utility company, they want to help you. :crazy:

Although there are states that make it illegal to turn off heat in winter, or at least it used to be.
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seabeyond Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:32 PM
Response to Reply #16
19. use to be, then a handful years (couple) where ok, then backlash
so i dont know what it is today
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OzarkDem Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:38 PM
Response to Reply #19
22. In our state
you can get a 30 day extension if your doctor writes a letter stating you have medical reasons for needing your utilities.
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frogcycle Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:22 PM
Response to Original message
13. people do not teach their children to think
it is sad - the youngsters gradually learn that the tooth fairy, easter bunny, and santa are not real - but they never learn that reality IS real. They just don't get the "law of the jungle." Despite the thin veneer of "civilization" humans have created, the facts are that there ain't no such thing as a free lunch and when push comes to shove, you are on your own, except, in some cases, for very close friends or family members.

The idea that this woman thinks a corporation to whom she is just an entry in a balance sheet "wouldn't dare" is sad beyond belief.

These kids are thrust out into the cold cruel world completely unequipped. Shoot, there are those who literally don't understand what a credit card is. They think it is like Jack's magic beans or something. It is a way to "get stuff for free" to them.
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China_cat Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:25 PM
Response to Original message
14. A long time ago (talking 30 - 40 years)
Florida would not permit the eviction of a woman with a child under the age of 2. She may have heard about that and extrapolated it to what she wanted it to be.

Oh, and it doesn't even apply in Florida any more.
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in_cog_ni_to Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:25 PM
Response to Original message
15. Oh, honey, honey, honey. Get your head outta your ass and open your eyes.
You live in the psycho's USA now. There's nothing they would like more than to throw your sister and her born fetus OUT ON THE STREET!

WTF? is wrong with these people? :banghead:
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OzarkDem Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:29 PM
Response to Original message
17. Who is crazy enough to give these people a mortgage?
Edited on Fri Dec-14-07 12:32 PM by OzarkDem
Then I suppose the mortgage company will expect me to cough up my tax dollars to bail them out when this mortgage goes into foreclosure?

Why is someone even trying to sell them a house?

This kind of practice used to be against the law.
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Beausoleil Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:31 PM
Response to Original message
18. I've noticed about younger adults
that most of them have only lived through the Clinton 90's and the Bush 00's. They didn't live through the housing crash and high interest rates of the 80's. They've never seen people being thrown out on the street, or the that only mortgage you could get was at 18% and they think it can't happen to them.

Come to think of it, they didn't live through the Vietnam War, the energy crisis and gas lines, and Nixon administration in the 70's. They didn't live through the JFK assassination, riots in the big cities, anti-war protests, RFK and MLK assassinations of the 60's.

They really don't know how a lot of things can disintegrate and how bad things can really get. Now most of the really bad things are happening all at once, which is difficult enough for those of us who lived the 60's, 70's and 80's to know how to put in perspective. They must have a lot of "it can't happen here" moments.

I hate to generalize, and I'm sure that there are plenty of aware, worried younger adults (especially on DU), but most of these younger folks don't know what excretion is about to hit which appliance.
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elehhhhna Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 02:51 PM
Response to Reply #18
23. One quartter of Americans have only had a Bush or Clinton as Prez in their lifetimes...
if Hil the Pill is s-elected, at the end of 2 terms it will be one-third.

Creepy.

I read it in the Harpers Index last night.
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Beausoleil Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 03:02 PM
Response to Reply #23
24. It would help if our education system didn't suck
Most of them probably don't know their Cuban Missile Crisis from their Bay of Pigs thing.
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Dukkha Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-14-07 12:33 PM
Response to Original message
20. Yes Virginia, there is an Ebenezer Scrooge
He works for every bank out there and he takes homes no matter who lives in them. No sob story could or will every sway him from collecting his debts, because he works in a place called the real world and no magical spirits will change his ways.
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