This forum will never “go to the realtors” nor do I believe any of us want it to. There is too much balance on this forum for that to happen. We are here to learn and to share what we see in the field with others who are interested in gaining another perspective. It has never been about earning a buck for me on this forum. My examples are never from some guy I met in a bar. The one you refered to when I bumped into an old client in a pizza place (Disclaimer- I was on my way out to a bar and the Roger Daltrey concert at Humphery’s but was sober at he time as was my former client)who shared with me the amazing loan mod with major principal reduction he got. I was floored and said so I as I hadnt seen anything like it before. All my examples are truthful and real firsthand things I see. Granted I may have less than full knowledge (which I disclose) and/or am limited in what I can disclose to protect a clients privacy but they are all very real. You do everyone a diservice by minimizing them including yourself. They are the yin to your yang.

100% of what you write is opinions but not necessarily your statemetns. While you bring links those links lead to someone else’s opinions. Usually very one sided opinions that support your beleifs. People around here are smarter than you give them credit for. They take everything in, as they should and try to make good decisions. Isnt that how it is supposed to be?