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intinycle
of AL
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Aug 18, 2009 22:00:14 PM
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of AL
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Jun 25, 2009 23:53:11 PM
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of AL
@
Jun 25, 2009 11:35:41 AM
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of AL
@
Jun 22, 2009 17:32:57 PM
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Atrograxarawn
of AL
@
Jun 15, 2009 05:06:52 AM
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TorImmown
of AL
@
May 09, 2009 00:33:42 AM
Ohio Foreclosures Will Continue Because Of Debt Buyers
If you take a look at the statutes of limitations by states, you can see that Ohio is the worst compared to the others ( http://www.budhibbs.com/statute_of_limitations.htm.) There have been numerous debates whether a credit card debt is an open account or a written contract and it seems like a lot of wasted money is used in each case to try to figure this out. In fact, they are the only one with a big question mark as it relates to the open accounts, which most credit cards fall into. Ohio needs to get their act together.
So you ask why I am bringing this up about the mortgage crisis. What I don’t think people realize is that a good portion of the foreclosures are based upon the banks also giving credit card limits higher than what a person can afford. This is a form of predatory lending and has an indirect effect on the foreclosures, especially in Ohio.
The credit card companies’ interest rates were 17%-21% and people fell behind on their payments and before you knew it they couldn’t pay it back. They kept their fixed rate mortgage on their home going, but just couldn’t get caught up on the credit card debt. So eventually when they couldn’t pay on the credit card, the bank sold the amount to a debt buyer at 2-3 cents on the dollar. The debt buyers then added interest and in many cases doubled the interest amounts within months’ of buying the debt. If you own any assets like a home, they will not settle for a reasonable amount. Since the people are so distressed, they can’t fight the false allegations and the judges don’t care if the amount owed is correct and you can pay double the amount with interest.
Ohio has some of the worst debt buyers in the state. They also give huge contributions to campaigns of many of the officials. This is probably why the SOL is so long compared to every other state. Most debt buyers only go after those that have assets, e.g. own a home. Thousands of default judgments on Ohioans with credit card defaults, followed by debt buyers foreclosing on the homes.
I’m not an economist, but get the credit card problem solved and you can start solving some of the other issues. First, since we have to bailout the banks anyway, recalculate the interest on any credit card that is defaulting to a reasonable amount (e.g. 5%.) Then if the debt buyers are buying at 2-3 cents on the dollar, offer those that own homes the lessor of 5% interest on the calculation of debt let’s say three years from the DOL or the 2-3 cents buyout amount. In addition, if they were caught up in a predatory transaction for home mortgages re-amortize the amount to the amount of the interest rate prior to the variable increase and give them a credit on the mortgage. Also, start them back at a 30-40 year mortgage and include their credit card amounts recalculated. Now, someone might be able to afford a $500 a month mortgage payment versus a $1500 a month rate, even if they lost their flippin’ job. If they still can’t afford it, then yes
LetsBeReasonable
of OH
@
Jan 18, 2009 10:55:49 AM
How about halp for the people who have not yet fallen behind on their mortgage payments? All the help out there is available to the ones who are facing foreclosure due to not paying their payments for months at a time, but nothing for those of us who are trying to avoid being placed in that situation. To get anything for anyone, you have to fall behind by at least 2-3 months, ruin your credit and have a few things repossesed here and there. Nothing for the ones who are working hard to make those payments, even at the expense of their kids not having food on the table. Nope, not even food stamps for us, we are on our own. This whole thing is frustrating!
intinycle of AL @ Aug 18, 2009 22:00:14 PM
GitoinfumnLon of AL @ Jun 25, 2009 23:53:11 PM
GitoinfumnLon of AL @ Jun 25, 2009 11:35:41 AM
Arroboncobody of AL @ Jun 22, 2009 17:32:57 PM
foppequetaite of AL @ Jun 15, 2009 12:08:14 PM
Atrograxarawn of AL @ Jun 15, 2009 05:06:52 AM
veibboceept of AL @ May 22, 2009 06:11:32 AM
TorImmown of AL @ May 09, 2009 00:33:42 AM
LetsBeReasonable of OH @ Jan 18, 2009 10:55:49 AM
of OH @ Jan 08, 2009 11:31:38 AM
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