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    Foreclosure

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    When I hear the word foreclosure, three feelings appear in my head: confusion, helplessness, and hope. Hope is everything. Hope and support. When we think about someone losing their house, their life, we think it’s unfair. And it is, but it’s also unfair to the government. No one like’s unfairness, so we must work together to stop this increasing plague. Ideas flock back and forth through my head and I take a minute to grasp one or two. What if we became up with a sort of helping hand, a guidance

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    The Foreclosure Crisis

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    The Foreclosure Crisis The American dream may be to own a house, however, in reality that may not be the case. Today, for thousands of Americans in the United States the possibility of owning a house is slim to none. It is simply out of the question. This is made obvious due to the current foreclosure crisis our country is experiencing. Although there is no immediate solution to the problem, two major changes need to implemented and over time this crisis will be fixed. First, lenders need to be

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    The Foreclosure Crisis

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    Foreclosure is one over arching problem facing the United States of America today with no one perfect solution. Each person in the US suffering from foreclosure has a unique circumstance and situation that has led them to the economic turmoil they face, and that uniqueness therefore requires any solution to the overall issue of foreclosure to be versatile to a plethora of situations. There is not one faultless way to resolve the crisis, but with a combination of different measures, the foreclosure

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    The Foreclosure Crisis

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    The “Foreclosure Crisis” cannot be solved it can only be slowed by programs and policies offered as management tools to curtail the volume of home owners going into foreclosure proceedings. This “Foreclosure Crisis” should be addressed from the perspective of both the home buyer/owner and the lender. Both sides of this coin are required to create a balance of suggestions, policies and modifications towards the lending practices of mortgage companies and the reiteration of the home buyer’s positive

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    Foreclosure in America

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    Foreclosure in America has been a rising and prominent problem recently, and has destroyed many Americans hopes and dreams. Over 2.3 million homes were foreclosed in 2008, and an estimated four million homes will be foreclosed by the end of this year. Despite the efforts of many banks and lending companies, over half of homes will foreclose that have received their help. I believe that we have only started in the right direction in solving the foreclosure crisis. Giving money and lowering mortgage

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    The Foreclosure Crisis

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    “Wow! What a lucky family,” I would say. “How fortunate.” However, as time went by, that same family would be in the news again. Why? The house was in foreclosure. The people had gone to the bank and taken out a mortgage against the home, then spent all the money they got for it on other things. In a way, isn’t that how the whole foreclosure mess happened? Easy loans were freely granted to families who really didn’t have the knowledge or financial stability to responsibly handle a mortgage.

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    The Foreclosure Crisis

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    The housing market should not be seen as separate from personal and family economics in general. To solve the foreclosure crisis, there should be public as well as nonprofit programs and courses in place to educate people and families such that they are motivated to remain economically sustainable and are skilled and supported in managing debt—and especially so if they are current or prospective homeowners. These courses would begin at the high school level and continue through college and adult

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    The Foreclosure Crisis

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    The foreclosure crisis has become a wave, afflicting neighborhoods of every type. This problem must be addressed before it ruins more families, neighborhoods, and bank accounts. There are several things the United States government can do without notably adding to the ever-increasing budget deficit. In the first section of this essay, I will propose following New York’s Governor David Paterson’s method of dealing with the foreclosure crisis. Following that, I will explore alternatives to the

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    The Foreclosure Epidemic

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    The growing number of pre-foreclosures or short sales and subsequent foreclosures has grown to widespread proportions in the United States. Today it provides the single biggest threat to the U.S. economy. Projections point toward more and more foreclosures in the future if something isn’t done. It seems that the current policy in place has only helped too few people, and the efforts toward fixing the problem must be continued. The New York Times reported, “Foreclosures are costing neighboring families

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    Foreclosure Crisis

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    losing their jobs, homes, and sometimes families because they just cannot provide for their loved ones like they could at one point. Right now foreclosures are a huge problem for the United States. Economic downturn, balloon payments, high payments, speculation, changes in government, and a poor farm economy have been some popular reasons why the foreclosure rate is on the rise. Economic downturn almost seems like an inevitable problem; however, I feel it can be helped. If we were not so busy spending

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