Katheryn, the judge was yucking it up with the attorney the whole time I was stating my case. I knew I was going nowhere. The IRS is suppose to be there for us (the taxpayers), but they are not so well versed in even their own laws. Questioning the IRS Agent was like trying to do a Rubik’s Cube…almost impossible to figure out how to get them to understand what was clearly fraud. I always suspected the bank was hanging on to me and creating obstacles so I could not sell the home because it was not my primary residence which is in New York. They knew I had plenty of equity and if anything they would attack that if need be. I guess I am fortunate that they filed the 1099-C which is forgiveness of debt and that helps me in knowing they cannot pursue me down the road. How the banks get away with the razzle dazzle, switch-aroo of paperwork, not answering to anyone and just forcing people into hardship when it is them making it harder for people to do the right thing and making us all look like we made the banks the victims. The one regret I have is prior to buying the home in Florida, I lost my job and told the bank. They still gave me a mortgage even after I made it clear that I would not know if I could pay for it. They just wanted to write a mortgage and make their quick cash. I was threatened that I had to close on the property. I was nieve at the time and should have said I am backing out of the contract to purchase the home, but I let my relative (realtor) convince me to go ahead with the deal. I let too many people cloud my decision-making and for that I am guilty. It’s scarey knowing how people got put in high risk adjustable mortgages. My wife had a 828 credit score, I had an 822 and we got put in an adjustable mortgage. I just wanted the house gone from the day we closed on it. The bank is essense, forced me to be stuck with it. Trust me, they have that ability.

That’s a really scary story. I’m doing a chap. 7 which I believe won’t allow what they did to you. I’ll have to research that to make sure though. Wow…I’m really sorry, it’s unbelievable what these judges are doing in most cases…horrible.

You’re actually quite mistaken here!! This has happened and is still happening all around this country!! Be careful what you say and believe until you’ve done your research… AND be careful paying your own mortagage!! Hopefully you won’t have any problems yourself!!…..just sayin’

When the government refuses to enforce the law, how can you protect yourself? Think about that for a second.

By the way, breaking into a home that you don’t own is a felony, and any citizen can use all necessary force to make a citizens arrest if they see someone committing a crime.

Also, covering up a crime is a crime. Maybe it is time to fire the criminals who cover up for the crimes of the banksters.

As they say, “ignorance is bliss”. So enjoy your bliss as long as possible, at some point your will have to remove your head from the hole it’s buried in and look around. When you are able to see the light, and follow what is happening in the world….you best stick your head right back in that hole.

Even people in the business of real estate fell victim to these bogus loans in a “bubble” period that no one foresaw its fall. If you have not encountered a problem paying your mortgage, you are to be congratulated. However, you may be one illness or catastrophic event away from losing your home or livlihood too. My husband died from hospital infections that were preventable in a nasty hospital t hat also was not accountable for their actions.
After his death, I lost half my income because he was self-employed. When people are ill or can’t replace income they quickly go through their savings, IRAs, 401Ks and everything they have trying to stay afloat and pay their bills. When they can no longer pay, they crash and it is devastating to them, embarrassing, humiliating. We lived modestly, never extravagantly

Do you know the majority of bankruptcies are due to medical bills, catastrophic in nature that wipe out savings, everything. You are fortunate if you have never had to deal with things like that but you should be more compassionate and understanding of those who are having to cope with losses, personal, financial, and losing their homes too because it is devastating. I wish nothing like that on you but perhaps you would better understand if you walked in those shoes.

@Pratt, As far as forcing someone else to pay, that is EXACTLY what the financial terrorists are trying to do to the victim. YOU NEED TO READ UP ON THE PURPOSE BEHIND THIS ENGINEERED FINANCIAL CRISIS, THE PONZI SCHEME THAT HAS NEARLY BANKRUPTED THE ENITRE COUNTRY AND THE ENTIRE WORLD. THIS WAS NO ACCIDENT, THIS WAS INTENTIONAL. THIS WAS A 100 YEAR PLAN BY THE FINANCIAL ELITE, SECRET SOCIETIES WHO ARE NOW CALLING THEMSELVES THE UN/THE NEW WORLD ORDER, TO FORCE EVERYONE OF US INTO PERPETUAL DEBT SLAVERY BY BANKRUPTING THE WORLD. YOU REALLY SHOULD EDUCATE YOURSELF, NO ONE IS SAFE, IF YOU HAVE A JOB AND MONEY AND INVESTMENTS AND ARE PAYING YOUR MORGAGE NOW, THEY ARE COMING AFTER YOU EVENTUALLY. WHY ARE YOU HERE TROLLING THIS WEBSITE? WHO DO YOU WORK FOR? YOU ARE OBVIOUSLY NOT ONE OF US. WE CAN TELL THAT BY YOUR BLAME AND SHAME THE VICTIM PLOY. YOU ARE SOO OBVIOUS. THOSE AT THIS WEBSITE WHO HAVE BEEN THROUGH THIS HELL WOULD NEVER BLAME ANYONE HERE BECA– USE WE ARE ALL VICTIMS. WE ALL KNOW WE ARE ALL HERE BECA– USE OF THE PONZI SCHEME HEIST OF OUR WEALTH AND LIVELIHOODS. WHO PUT YOU HERE, THE CIA? THE SEC? THE FEDS? THE WHITE HO– USE? I KNOW, YOU WILL NEVER TELL BECA– USE YOU ARE WORKING FOR THEM, WHAT YOU DO NOT REALIZE IS THIS IS ALSO YOUR U.S. CONSTITUTION, YOUR BILL OF RIGHTS, LAWS THAT WERE PUT IN PLACE TO PROTECT YOU AND YOUR ENTIRE DEMOCRACY IS BEING VIOLATED WITH IMPUNITY BY YOUR BOSS. YOU ARE NOT ANY SAFER THAN ANY OF US WHEN THEY CAN TRAMPLE OVER ANY AMERICANS RIGHTS THEY ARE TRAMPLING OVER YOUR RIGHTS TOO. RAMPANT FRAUD AND CORRUPTION IS THE RESULT IN PART OF TREASON. ALONE THE FOREIGNERS HIDING BEHIND THE SCENES OF THIS NATIONWIDE HOLOCAUST COULD NOT HAVE ACCOMPLISHED SUCH POWER WITHOUT THE HELP OF TREASONIST AMERICANS WORKING WITHIN OUR OWN COUNTRY. SHAME ON YOU. IT IS BECA– USE OF TREASONISTS LIKE YOU WE ARE ALL AT THIS WEBSITE. GOD BLESS AMERICA.