Home foreclosures continue to mount

Why doesn’t Mr. Jackson protest in front of the White House in Washington? That’s the real source of this fumbling and mismanagement.

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FoShizzle, Mr. Jackson needs to march at the BofA headquarters in Charlotte, NC—not the White House or the Atlanta Federal Reserve. BofA has the lousiest track record of all the banks in assisting mortgage holders–yet took a huge chunk of taxpayers’ dollars to stay affloat.

The White House already has a program in place, but the banks–like BofA–are dragging their feet and making excuses.

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Ditto, Andy. The idea that the government should bail out the irresponsible, greedy morons who got us all into this mess continues to defy logic. Those of us who bought what we could afford and lived within our means have been able to continue making our payments, despite the pain of a job loss or hit in our incomes. I have no doubt there are many who are losing their homes because of genuine misfortunes, such as catastrophic income losses or health problems, but I don’t believe they represent the vast majority of foreclosures. The housing market won’t begin to regain its footing until we manage to get all the foreclosed homes back on the market and into the hands of responsible owners.

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Not every one deserves a house Jessie. And ACORN is a FRAUD. People living above there means, look at the Real Housewives of Atlanta, 3 foreclosures. We gonna see a lot of people who drive 50k cars leaving apartments in the mornings in the coming years. Well, atleast they roll big, hahahahahah. Think I buy me some foreclosures and double the rent on them.

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So if I lost my job as an engineer and I am no longer able to afford my home. I was within my means, but unemployment can’t help me. I foreclose, so therefore I’m an irresponsible, greedy, moron? Good to know.

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Or instead of holding a prayer vigil, why not hold a class to teach people to make better decisions? Or get on the phone with the banks and help people facing foreclosure make payment arrangements. Such a perverse use of prayer UGH!!!

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Bizhop, hope I never see you down and out but if I do , I will just walk on by You.

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We need the government to encourage banks to do the right thing; not allow home owners to continue the process of getting foreclosed on. It’s a no win situation. We loose as a community, loose tax base, property values continue to decrease etc…

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Foreclosures = an increase in crime! Trust me I know cuz I got robbed!

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Bizhop,

I don’t know what’s worse, your abysmal english grammar, or the fact that you watch Real Housewives of Atlanta. Oh, and I’m guessing you’re not a work right now.

Here’s a wonderful idea for brainiacs like you – get off your lazy behinds, turn off the idiot boxes, and read a book.

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We’ve been in our home for the last three years. Due to family circumstances (an unexpected baby and very ill in-laws) our two bedroom, one bath home is no longer the right size for our family. We put our home on the market in Feb and put it up for short sale in August after realizing that we could never get what we owed on it. We’ve already bought our larger home (we could not put it off any longer). We have no interest in keeping our older home, nor are we able to afford to with another mortgage payment. Renting is not an option as the rental market in our area is buldging with cheap homes. My question deals with Deed-in-Lieu. Our lender was Wachovia and will soon be Wells Fargo. What should be do to pursue a Deed-in-Lieu and how successful are they?

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to user Diann. How in the world could you be in such bad shape if you’ve lived in the same home for 37 years? Did you keep cashing out the equity? Did you not ever think that one day things might not be so good?

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Why dont these vultures “investors” “bankers” or whatever name you want to call them by buy a new construction home instead of stealing it out from under people that couldnt afford it and are now homeless.

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funny thing is alot of home builders lost everything over the last few years. That pure greed and living like wannabe kings got them nowhere. It seems they never saved a penny and lived like the line from the movie Wall Street when Charlie Sheen told his dad “Things are good and they’re gonna stay good.” Now we’ve got undeveloped eye sores all over Metro Atlanta thanks to the American ultra greed. There should be no mercy for anyone involved in ruining this country.

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Unfortunately too many homeowners facing foreclosure are growing increasingly disenchanted as they struggle to communicate with their lenders and loan servicers. Banks are simply becoming too overwhelmed by borrowers’ requests for loan modifications, loan refinancing, and other inquiries regarding foreclosure prevention to provide an optimal level of customer support to struggling homebuyers. A stronger national effort must emphasis the integral role HUD-approved, nonprofit foreclosure mitigation counseling agencies fulfill in helping homeowners find viable workout solutions that prevent the loss of a family home. These counseling agencies have the resources and tools to facilitate more efficient communication to occur between borrowers and their banks. More importantly, these nonprofit counseling agencies provide the information and resources to homeowners that empower the individual to take charge of their personal finances. In doing so, homeowners feel empowered when entering into negotiations with their banks and loan servicers, and the homeowner knows what to ask of their banks. In total, nonprofit counseling agencies try to ameliorate the relations between homeowners and banks in order to prevent individuals from losing their homes. Anyone facing foreclosure should contact one of the many HUD-approved NONprofit housing counseling agencies in the Atlanta area such Resources for Residents and Communities or D & E Financial Education Training Institute. HUD also provides and extensive list of all such nonprofit organizations serving Georgia.

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Jesse protests in Atlanta because this is where CNN is located. Try finding Jesse doing ANY good deed without a camera around.

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NA, WTF?????

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Actually Russell, i dont think it is the “vast majority”. We had 150 foreclosure notices here in Coweta. Most lot/construction loans were grouped as 1 notice, because the loan was for all the lots. In reality, many more properties were actually foreclosed on. I guess my question would be if they count the # of foreclosure notices (150 in my area), or how many individual properties were foreclosed upon (probably over 250 here if i counted each one). My estimate is that of the 150 notices, at least 100 were private homes with mortgages.

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While I dont want to sound bigoted or racist, many of the problem loans were made to people that should not have qualified. Minorities were given, by act of politicians (bill passed in 1999), preferential treatment in the qualification process. BUT…there were many people of all races/colors/creeds that were given these loans. Yes, banks, appraisers, etc, all combined to make it worse, but the blame needs to be spread around equally. If you are offered a credit card with a limit you cant afford, you should be wise not to take because eventually it will bite you. It ultimately falls on the consumer to make the right choices…nobody forced them to buy the houses either.

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In my home for less than a year.Lost 40k in value,could’nt refi for lower rate without 25k out of pocket.

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Michelle-There’s enough blame to go around,from the sharks who made the loans to the people who did’nt research properly.

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@ Jeff,

There were situations where “minorities” as you stated were given these loans when whites with the same credit scores were given more favorable terms. So there were tons of disparities in how these loan sharks dished out the money

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I work at a bank in North Ga, our bank has foreclosed on about $60million worth of real estate in the past year. Out of that $60million, not a single home was foreclosed on that was being lived in. They were all constrcution loans, land loans, lot loans, commercial loans, investment property loans, etc. No one lost their home because the big, bad, bank came and kicked them out.

Everyone wants to blame the banks for their problems. No one forced anybody to buy a home that they didn’t want to.

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A lot of foreclosures are due to the fact that some people have more than 1 home and are not afraid of walking away from a mortgage they really don’t need. So, I don’t think there are as many folks left on the street as you may imagine.

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I contacted CitiMortgage about getting a loan modification. I have never been late or missed a payment, I lost my job, and they had the nerve to tell me that I don’t have enough income qualify for a loan modificatibon. Well, if I had the income, I wouldn’t need a loan modification. By the way, CitiMortgage got 9 Billion Dollars in federal stimulus money to help with the mortgage crisis. They are sitting on that money and are not helping homeowners who need help.

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“Some people dont deserve a house” or better yet “They shouldnt have gotten a house because they couldnt afford one or qualify”. Ok you fools who think like that. First of all if your referring to black people. A lot that took the loans were 2nd and 3rd generation apartment dwellers, yes hard working people who were on the fringe in there income where they didnt make enough money 15 years ago to afford a house, neither would a 550 credit score qualify there loans. But they were paying 750 rent for an loud apartment with no privacy. A lot of them from other cities here in atlanta to try and make a better life for themselves. From Alabama, South Carolina, South Georgia, and even up north. A loan officer comes to you and say “Hey i can get you your own home for what your paying in rent”. What person with any kind of sense wouldnt go for that. It was a scam from the beginning, most of the homes were cheap siding(scam builders). They never read a mortgage contract they didnt know it would escalate in 2 years from 850 a month to 1900.00 a month(scam loan officers). 60,000.00 homes going for 130,000.00. And your blaming the people who fell for the scam instead of the creators. LOL give me a break!!!!

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Banker, well if the banks SO do not want to foreclose, why do they act like assholes towards people. Read the 2nd post on here in regards to Wachovia, obviously their weren’t on top of their financial awareness either otherwise they wouldn’t have gone under. If Bank of America was financially responsible and didn’t operate above their financial means, they didn’t have to beg the government for 60 Billion of the Stimulus money just like the rest of the banks that are all having their hands out. Its ok for them to mess up money but not for the little man. I guess these companies that went under didn’t prepare for a rainy day either. NO but guess what they get Bail out money and Golden Parachute while the people that should get the help are sent to crash and burn.

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Michelle quit blaming everyone else for the problems you have! If you live in Atlanta I guess we know who you are going to vote for.

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naca.com they will help you

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first off if you bought a house and did not put a minimum of 20% down on that house , then you bought a house you could not afford. If you bought a house that in order to furnish your house you had to charge the furniture , you could not afford that house. If you bought a car you could not afford to pay cash for , you could not afford that car. If you felt the need for things like 4 wheelers and boats and rv’s that you had to finance you could not afford them. period. You dont accidently run up charge cards , its called you buy things you could not afford, period. So what home values went down, eventually they will go back up , your payment has not changed if you can’t afford the payment now , then you couldn’t afford it before. We bought our house 7+ yrs ago, interest rates were 5%, we financed it 15 yrs, reason why its was only a few hundred more per month at half the time to pay for it. We did not buy the most expensive house we could get approved for , just because they say your approved for a 300k house doesnt mean you can actually afford one. I am wondering are these people putting money away for retirement? did they save any money for a rainy day? or were they too busy buying the latest electronics? Our house is probably not worth what we paid for it but we are still managing to pay for it, even if my husband lost his job tomorrow we could still continue to pay for it for at least a year and if we both got nothing more than a couple part time jobs we could pay our bills. You can blame the morgage companies , credit cards companies and whatever else you want to , but the truth of who is too blame for your situation is the person staring back at you in your mirror. You lived beyond your means, period, had you not of lived beyond your means you would be able to make your payments. Only exception to this is someone who became seriously ill , if you whole excuse is you lost your job, well then its your fault, i suggest you get out there and take on 2 or 3 jobs to catch yourself up. Its true everyone should not own a house, some should be renters.
the government is not the answer to irresponsible behavior, your irresponsible behavior is going to cost the rest of us plus yourself more in taxes. The only money government can hand out is money they have to take away from someone else who earned it period. That means those of us who did without the 4 wheeler, the new car , the big screen tv and the xbox will have to pay more for you stupid choices, now that is not fair.

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I live in Buckhead and several of my neighbors are in foreclosure or “underwater”.

I hope none of the “undesirables” move into my neighborhood!!!

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More power to Consumer Credit Counseling, however, they do not give truly independent advice. If you want good advice, speak to a qualified lawyer.

It many people were fraudulantly steered into subprime loans, even though they would have qualified for a standard loan (for the reason that the commission paid to the loan broker was higher on the subprime loans). P.S. The subprime loans were almost designed to default.

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“Fraudulently”; sorry, I can’t spell without a spell check.

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First, to all the people who purchased a home within their means and are losing their home due to the current economic climate, my sympathy.

Second, the people who have posted and attempted to make this a “black and white” thing, shame on you. Color has nothing to do with any of this mess.

Third, as another poster has already addressed, if you’ve lived in your home 37 years and are now losing it to foreclosure, you’ve cashed out your equity (probably more than once) and entered the arena of the over-extended through your own doing.

Now…When the sub-prime programs were introduced into our economy, that was the beginning of the end of the stability of the real estate market. Granted, there are lenders, brokers, and agents who did not fully explain the details of these sub-prime products to the buyers but that did not relieve the homebuyer of the responsibility of educating themselves. Too many people bought more home than they could afford with the expectation of continuing increased values and plans to sell in two or three years and makr a bundle or with the expectation of increased income and the ability to actually be able to afford that home in the future.

Appraisers inflated values (illegal) upon lender’s request (illegal) and everyone pocketed their money. Many illegal mortgages were attained using falsified documents. Sellers and buyers were pocketing money from these scams and walking away, leaving a lender “holding the bag”. No, the lenders were not innocent victims in all cases but the sub-prime market faciliated unethical, immoral and frequently illegal practices which required the complicity of all parties involved, including the people who are now screaming “foul” because they are losing the homes which they purchased using less than honorable practices.

When you purchased your home you signed numerous documents spelling out the conditions of your mortgage and if you blindly signed without reading those documents, shame on you. Basically the documents explain “you don’t pay, you don’t stay”. How any of you can now claim to have been “blind-sided” or “swindled” or “tricked” is beyond intelligent comprehension. \

So, with the exception of those who did purchase their home honorably and legally and are now losing their home due to unforeseen financial difficulties, just shut up. You gambled, you lost.

It is not the responsibility of the lender to “feel sorry for you”. Continued “hand-outs” to the “gimme” people will only exacerbate the issue of an already over-taxed economy.

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Amen Chuck!

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Unfortunately you are all missing the ball, yes the financial mess was caused in-part by bad loan products, poor financial decisions, government liaise faire, and Wall Street Vultures, however, the lager question should be, how much of this recession/depression was deliberately caused.

How was it possible for the most technologically versed nation in the world, not able to predict, forecast, and/or avoid such a financial debacle? The facts are, it was not possible, and in fact, it was a deliberate conspiracy by right-wing politicians, conservative businessman, and racist to punish the Democrats, and black people in particular, for nominating and electing Obama. Consider this, once the right accepted the fact that the Democrats were really going to nominate and elect Obama, the plan was set into action to destroy the Black American Middle Class, which is the engine that propels the current Democratic Party and drives the black political engine in this Country.

How is it possible for so many Blacks to have missed this point, with our history in this country remember, whites closed the very public schools that their own children were attending to avoid integration. They also, shut down plants to avoid blacks being hired into high paying factory jobs in the 50’s and 60’s. Historically, since the end of the Civil War, White men have risked their families, their freedom, and even their own lives to stifle the aspirations, dreams, and ambitions for a better life of the Blackman; and at times, his behavior has been barbaric. Perhaps many of you believe that somehow the white man has changed so much, in the last fifty years or so, that such a reaction to a Blackman being elected to the Presidency would be impossible. However, I believe that to adopt such an attitude would be to ignore history. When the late President Johnson cramped the civil rights legislation down the Congress’s throat, polls showed more the 70% of the white general population opposed such wide sweeping rights for blacks. In fact, the oppositions by whites to housing legislation and forced busing substantiated the numbers.

Finally, this is for blacks specifically, just to illustrate how precarious our status here in America has been, imagine what would have happened to this legislation had it not been President Johnson in office in 1964, and 65, but a Ronald Regan, a Goldwater, a Wallace, an Agnew, or a Nixon in office during those days. Our status could have possibly continued for twenty or thirty more years as less than human, and/or second-class citizens.

There are more blacks unemployed now than there as been in the last thirty years. More specifically, the data will also show that cities with large black populations, and/or black leaderships, have the highest unemployment. Remember, just a few years ago, Atlanta was closing in on that county in the DC area, or Maryland (Princess George County), as the county with the largest middleclass black population; now this. Don’t tell me that all of this financial collapse is due to the poor decisions of consumers.

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If you yahoo’s think this is bad wait until we
get our hands on health care !!! Foreclosures
are nothing good old Jessie will be on the hospital
steps praying for:” govment” to give grandma a few
mo days. Jessie was talking about watering the
leaves and not the roots just you wait the golden
showers will soon start!!
Barney [the banking queen] Frank

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Artjazz, I don’t think they were made to punish Obama, because this started happening long before Obama was elected. You give too much credit to our “technologically versed nation.”

These bankers got up there in their ivory towers, and they looked only at their computer models, and failed to get a grip on themselves. Then, they hired the cut-out men. The real crooks. The mortgage brokers, and they went to town selling these products, any way they could. Money, money, money.

They did it for one of the oldest reasons known to man: greed. You’re right about one thing though, the whole concept of this kind of mindless greed began under Reagan, and we are paying dearly for it now.

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Danny your blaming the banks for people buying houses and paying 400k for them, first off who needs a house that costs that much? That is rediculous, secondly its not the banks fault that some idiot went out and chose to pay 400k for a house , there are no guarantees that a house will increase in value when you buy it and odds are if you pay that much it will be a longer amount of time before the house does increase in value. Thirdly who do you think will be on the hook for the money if the bank fails? You and I will , the money in the bank is backed by government, which means us the tax payers, so you basically wishing yourself a huge tax increase to pay for some idiots purchase of a house they couldnt afford, sorry but no one needs a house that costs that much and especially someone who didnt put down at least 20% on it. I am sorry but people seem to think they need a bigger better house, do you realize that the standard size house of the 60’s was only 1200 sq ft? No one needs a 3000+ sq ft house period. If you choose to buy more than you can afford why should the bank be blamed? they knew what the house payments would be on that house, if they couldnt save enough to pay at least a years worth of bills while making those payments then they could not afford that house. Maybe people need to stop blaming everyone else for their greed, its their greed that got them into 400k dollar houses. Its their greed that made them buy that big screen tv, xbox, new car, boat, 4wheeler, furniture ect all on their charge cards , if you can not afford to pay for those items you could not afford to buy them period. No one held a gun to anyones head and said you must buy this huge house or new car, the blame lies totally on the person who decided they needed more than they could afford.

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Some observations and general statements from regarding the comments above:

1. The subprime crisis began with the Democratically controled Congress during the 90’s requiring lenders to make subprime loans.

2. If you file bankruptcy it makes it more difficult for the lender to assist you.

3. Under Making Home Affordable plan only primary residences qualify.

4. Under Making Home Affordable plan FNMA and FHLMC will not reduce the principle balance. It’s only going to go up.

5. Under Making Home Affordable plan if you loan is non-escrowed the servicer is required to establish and escrow account. Many borrowers subprime or otherwise qualified for loans because escrow was not included in their payment. Establishing an escrow account may disqualify a borrower from the Making Home Affordable plan because even with a reduction in the interest rate the payment may still be unaffordable due to the added monthly escrow payment required.

6. Rev Jackson should be protesting in DC instead of the FHLB in Atl. Guess he doesn’t realize that the FHLB doesnt make mortgages rather lends the money to the financial institutions that do.

7. If you have no income no lender can assist you.

8. If you are unable to pay consider shortsale or deed in lieu, ask your lender if they will assist you to market your house.

9. So your house is not what is worth when you purchased the loan, who cares! When you purchased the new car and drove it off the lot and the value plummeted did you drive home call the dealership and ask to renegoitate the terms?

9. The foreclosure moratorium only delayed the inevitable.

10. American’s car buying mentality is partly to blame. Didn’t want to read the fine print just so long as you got that big house for $900 a month. You didn’t care then that the mortgage was a payment option arm and that $900 a month was the mininum payment causing your unpaid principle balance to increase. Oh yeah then you your rate increased and when you thought it wouldn’t get any worse your loan it 105% of loan to value and you had to pay the mandatory required payment. Refinancing is out becuase now your debt to income ratio is to high and the property value has decreased.

11. You want help? Ask President Obama where is your new job! Only jobs will solve this financial crisis.

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THANK GOD, I HAD THE MIND TO PAY OFF MY MORTGAGE AND NOT HAVE MY DESIRES BEAT OUT COMMON SENSE!

I SAW THE WRITING ON THE WALL AND I DO NOT EVEN HAVE A DEGREE. MANY LAUGHED WHEN THEY PAID INTO A 401 K, WHILE I PAID DOWN THE MORTGAGE.

WONDER WHO GOT THE BETTER END OF THAT THOUGHT PROCESS.

AND BEEN MORTGAGE FREE FOR 10 YEARS AND MAN DOES IT FEEL GOOD.

SERIOUSLY, I AM SORRY YOU GUYS ARE SUFFERING AND HOPE WHEN YOU GET OUT OF THIS MESS YOUR COMMON SENSE WILL TAKE YOU BACK TO A WORK ETHIC THAT YOU WILL NEVER FORGET

HARD WORK!

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What is wrong with our society when the victims (lenders) are made out to be the villans, and the thieves (non-repaying borrowers) are the victims. When I say I will repay a loan on certain terms…I will repay a loan on those terms. I’ve been out of work for months at a time (5 months now…and counting) but I will continie to repay as I PROMISED (my word is my honor) until I die, and then I pay for insurance to pay off debts that my savings can’t pay off. Actually I have more savings than debt, so I don’t ever expect to owe more than I own, but the insurance is a safeguard for my good word and honor.

I’m not rich…I don’t have cable…can’t afford it, keep the thermostate at 85 (wish I could set it at 78 but…I can’t afford it), drive and old car…my wife gets the “new” stripped down Corolla (because we can’t afford a Camry or Accord). I owe about 15% of my homes value (post price decline) and have a large savings buffer – because illness, unemployment, and catastrophies happen as part of life.

Pay what you borrow on the terms you agree upon. Let your word be your honor and stop snivelling and crying victim when you steal money from someone good enough to trust you to repay.

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Not all foreclosures are the result of bad business decisions, the formula used to purchase a home is 25% of your net income for a payment.
That works.
Who plans for a loss of a job, 29 years down the road?
A fifty percent reduction in income wreaks havoc on any budget, add to that a 401K that disappeared overnight, and you have a recipe for disaster.
Help these people keep their homes, or build affordable housing for them when they are displaced, it’s your choice.

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I used to be in the mortgage business, was a loan officer for many years. When some of the subprime loans came out (interest only, no income, stated income) i had realtors and builders and homeowners!!!that would get upset when I would not try to steer borrowers to these products so they could buy more house than they could reasonably afford. First time homebuyers would get offended when i told them that they were overbuying and go down the road and get the product i tried to keep them from so they wouldnt get in trouble. I lost business as my realtors took customers to loan officers who didnt care what kind of loans the people got as long as they bought the house. I only used the true subprime loans for people who had challenged credit that promised to work with me to fix what was wrong so they could refinance in the 2 year period. It is true that our industry had some programs that should have never ever been around and that people overbought as the result. But those people wanted the house and didnt look at the consequence, we live in a microwave society, we want it now and quick. Dont want to work for it, save up for it, just buy it and figure out how to pay for it later. So we all our paying for this now. Our home has lost 50% of its value, and will the bank work with us? what a joke, we are current on our mortgage but if something happened to my spouse we couldnt keep our small house. I got out of the mortgage biz last year after company after company closed up, leaving me with no health insurance, not paying me for monies earned.

So where do we go from here? Pay cash for things, do not use credit to buy appliances,food,groceries,gas,use credit only if absolutely necessary and for a limited time, dont buy that new car buy a used one and get the lowest payment for a car and shortest term, same with a house. Live within your means, curb unnecessary spending, be frugal. These are the things our parents did and why they had money to leave us!!!

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I’m not a black guy, but as a mortgage broker with a number of close black friends that turned me on to other black families that were having problems paying their mortgages, I can tell you that blacks were taken advantage of by banks. I am amazed, even blacks with advanced degrees were hosed down by banks such as Wells, Bank of Am, as these lenders/agents figured these folks were easy targets due to the color of their skin. In one case, Wells Fargo had a black school principle pay a 13K PP penalty to get into a new mortgage. I worked with is boy and told Wells, good thing you’re working with me, otherwise, you’d be working with this mans attorney. In another case, a Mortgage broker charged another black home owner (main property and summer home) 20K in fees to do mortgages, YGTBSM is all I can say. I’m no Jessie Jackson or Sharpton supporter, but let’s call it like it is. I’d say blacks were generally hosed down during the mortgage process due to their skin color. This BS about sub prime causing the financial crisis we are in is crazy, lenders took advantage of those minorities which in turn exasperated the situation.

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I own a condo and have an outstanding balance of $140k, consisting of $104k primary and $36k secondary. I took the home equity to consolidate debts. At the time the property was valued at $163k but now it is valued at $134k. I’m looking to sell because i am engaged and will be moving into my fiancee’s home. Check http://www.obamamortgagerelief.org/. If I have a buyer who offers me within say $5-7k of the outstanding, can i agree to assume a loan on the residual and pay the bank the difference over time with interest? The same bank holds both mortgages.

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Check out http://www.obamamortgagerelief.org/ . There needs to be a program for the elderly but not quite to retirement age for mortgage modification when the have lost their job during this particular recession. I made a decent wage because I put my time into a company and now have no job. I am looking at $10 – to $12 hr jobs after working all my life. You can’t make a mortgage payment on that kind of money. I will eventually lose my home.

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Some of these comments are so ridiculous and so insensitive.

Not everyone facing payment problems with their homes or going into foreclosure is because they were irresponsible or trying to live beyond their means. LIFE HAPPENS. I’m one of those people that bought my home in 2003 and so many things have happened since then.

Come on people be more sensitive. Losing a home is devastating. I hope it never happens to those of you that are making these judgemental comments.

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Im so glad that you rednecks in Georgia are being slapped around HARD in this mortgage crisis. You deserve everything you get. Here is hoping the soup lines form real real soon in Atlanta and especially in the rest of your poor white trash state.

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