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couldn't pay him back "yet." This call happened at least once a week.

My mom would scream at my dad, "I told you not to give him money!

) and even if the banks are gleefully hoping you pay penalties, etc, the flip side is they know there is a reasonable chance you can default.

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That's where all the mansions come from while you were struggling to pay your mortgage. Or worry about killing yourself or feeding your kids. You weren't trying to be bad, but (as the banks already modeled) sometimes bad things happen to good people. I was also late on a state tax return (but not federal). Just those two things and because I have no credit cards (so no opportunities to show regular payments) my credit score fell from 780 to 580.

The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don't deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and "nothing will ever be the same", we were a few days late on two mortgage payments in a row.

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