EXCUSE ME DOC. IS THERE A PILL FOR FORECLOSURE?

EXCUSE ME DOC. IS THERE A PILL FOR FORECLOSURE? (Frazer Chronicle)

 

"Ia there a doctor in the house," I need a fix, a medical treatment, some release from the pressure, some drugs I can't take it "no more." Foreclosure is not just a metaphorical epidemic, but a bona  fide public health issue. When a person's house is foreclosed on by a lending institution, all sorts of health issues can overtake a person, some visible, while others aren't as easy to see, but non the less effect the health.

Probably 90% of home owners want to meet the obligated home payments which include not only the note on their property, but property taxes, insurance and upkeep. There is still a stigma in the United States with regards to losing your house, the sense of not being able to keep your word, of not paying your way, and not providing for your loved ones.

I refuse to talk about the federal government as a "third party," an independent entente that distributes money to it's "subjects" from some fund that's like a bottomless pit. The government is us, it has been established to work for the people that put government officials in power. Whenever relief money might be paid out for relief of a group of people, an industry, road work, or a bailout for bankers, it's tax money which is.....our money.

Health problems aside, a generation of basically homeless people would do nothing to strengthen the United States. Millions of under productive people would be created, millions of hopeless, and helpless people would live in their cars, under bridges in cardboard boxes, or in vacant houses. It would be a period of darkness, hopeless poverty, a period of increased health problems and crime.

Look, lending institutions operate on a bottom line mentality, to recover interest and the principle on money lent. I have absolutely no problem with that. If property tax isn't paid, services and administration that the money pays for, road work, security, fire, people programs and maintenance won't be paid for and in fact,  will cease.

How about this to solve a really galling problem right now, in October 2011 that involves millions of people, it's the smart thing to do, and it's the right thing to do. Stop all foreclosure actions, no matter the reason, reconstruct payment plans that are affordable, amounts that people can pay, based on an individual basis. No two people and their problems are the same, it would take time, and money, but in  the long run, it would be the best move for the country.

At least the banks would get some money, municipalities would collect some tax payments, and the houses would be lived in and taken care of. The streets would be a better place to live and the general health of millions would be greatly enhanced.

The pill for foreclosure is simple, let people live, hold their heads high and give them a way to pay their bills. Times are tough, we can, however get through these times, collectively  with long range thinking, giving American citizens a "hand up," "not a hand out."