Do you think this is shitty or smart?

[Cracker]

Nope. Hard to believe . . . isn't it?

Bankruptcy? 1 ¹⁄₂ to 3 years in most cases, these days. File a petition and it's basically 'rubber stamped'. Approved credit card offers within a month.

I view these people as having no integrity and lacking personal responsibility. They were living on the edge when they purchased or they failed to modify their lifestyle when times got tough.

Then they play 'victim'. Nothing more than white trash with a hint of equity. If I was an employer, I'd NEVER hire them.

It's the lack of personal responsibility thing, that gets me.

Nothing would ever be their fault.

I don't think it's that they are irresponsible, I just think they decided to upgrade while all the white trash and hoodrats were buying in her neighborhood at hurricane sale prices.

They can afford the house they have now but they want a BETTER house. I honestly see their point. Why shouldn't they benefit if they have been responsible for 12 years? Why continue paying quadruple for a house that has lost value. I don't see the housing crisis as their fault.