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That change suggests that more home owners are simply walking away from their mortgages, rather than attempting to make payments, especially during a recession with record-high long-term unemployment. "Chapter 13 was designed for regular economic times when people might lose their jobs and fall behind on their mortgage for three to four months, but having found a new job they would be able to use the Chapter 13 process to keep their homes," says Porter, noting that even during normal economic times only 1 in 3 Chapter 13 bankruptcy filings results in the individual's successful meeting...
...industry successfully fought off attempts by Democratic Illinois Senator Dick Durbin and others in Congress to pass legislation last spring that would have allowed for mortgage modifications. But since then, it has become clear that without loan modification, many borrowers have no recourse but to accept foreclosure and walk away, says Porter. "I think one reason the economic recovery is slow is that it is taking so long to work through these delinquencies," she says...
Hanks does us all a service by helping to rekindle America's dying interest in history. With professional journalism dwindling, there is a real need for us to make sure that we understand events for ourselves. But if we deliberately look away from controversial events, we can never hope to utilize history as the learning tool that it is. Henry A. Jensen, HEIMSHEIM, GERMANY...
...judiciary, and protection of the rights of people," Gebril says, pointing to postapartheid South Africa as a model. That would be a sharp departure from current-day Libya, where even the intellectuals who gather in Tripoli's cafés in the evenings, over water pipes and espressos, shy away from political talk. When I ask Saif how much personal freedom he wants for Libyans, he says without pause: "Everything, of course." Asked whether that includes the freedom to criticize leaders or organize against them, he cuts me short, saying, "I am talking about the level of freedom like...
...attend were blocked from traveling to the capital. Those who addressed the press conference and recounted heartrending tales of relatives killed in prison were shouted down by security officers in the audience, according to news reports. "There is no possibility for real political organizing, so people are chipping away at the corners," says Heba Morayef, North African researcher for Human Rights Watch. Saif, she says, "is the only person who can stand up to his father...