Blame us, the lending industry and Wall Street, we DESERVE it, NOT the distressed homeowner.

'You are paying for the greedy, sleazy, ignorant, dare I say criminal opportunists that proliferated Wall Street that created the markets for these toxic loan products and the Major Lending Institutions that actually made these toxic loans to borrowers to be delivered to those markets. They lined their personal and corporate pockets and now you are going to ante up after they are gone, out of business, booted out of their executive offices, book their write downs, in order to shore up the system that allowed them to waltz away with the billions they made from the fleecing of America with these toxic loans. '