BG
Sorry I was in a particularly bad mood this weekend and took it out on you and yopu have my apologies. I just popped onlione and my first order of business was to change the post I made but since you repleid I dont think I can.
I honestly feel for you. Every post you make has such a strong negativity to it that I beleive you have not had it easy in life. Not that I have lived a charmed life but you seem particularly jaded by your experiences. I hope you find peace in your life sooner than later.
To address your points, unemployed dont qualify for loan mods that i have ever seen. The modification is based upon a specific formula that considers income. If you have none then you wil be denied. Intestingly, both of your people did not refuse to accept a loan mod and the one that has been resolved was denied.
I understand well that not every borrower wants to or can apply for a mod. Those who get them are getting “free money” in my mind as it betters their situation. There is no question that many are on life support and cannot be saved but getting one is still being thrown a life preserver no matter how small or ineffective.
I do not claim to be an “expert” at anything and just share my experience. As someone in the legal profession you know why I do not hold myself out as an expert. The minute I say I’m an expert I invite liability that I want no part of. I share true stories from the streets in hopes that people out there listening can learn from them. I get requests via private messages all the time and sometimes offers of compensation which I turn down. I get some of my greatest pleasures from helping and though many my not appreciate my online style there is always a method to my madness. Neither my past nor present is charmed outside of the fact that I have and always will live my life on my own terms.
As for the heartwarming stories from you and other piggs, I’d love to her more of those. Life is too short and too sweet to spend one’s life bathed in complete negativity.
I wish all the best for you and will work on being nicer to you on this forum,
