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    ) 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. My mom would scream at my dad, “I told you not to give him money! I was a little kid but I felt scared and didn’t know why. My dad was too trusting and too sad and died from the cocktail of both. Income requirements vary based on the home size and the rental amount. If we are unable to verify information necessary for processing of an application or, if an application is deficient in any of the categories outlined, the entire application may be rejected by Fath Properties. couldn’t pay him back “yet.” This call happened at least once a week. Even if you didn’t read all the fine print (who does? You signed a contract where everyone knew the risks. Every state has different laws on how collection agencies are allowed to talk to you. Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation. The official staff commentary indicates that modular homes that are ready for occupancy when they leave the factory and meet all of the HUD code standards are included in the definition of "manufactured home". The comment, and a prior FAQ on this site, have raised questions about whether a modular home should be reported as a manufactured home or as a one- to four-family dwelling.Until the Board provides further guidance regarding modular homes, lenders may, at their option, report a modular home as either a one- to four-family dwelling or as a manufactured home. Credit card debt is NOT the same as friendship debt. A bank is usually a trillion dollar institution that charges you fees, interest payments, has lots of fine print, and makes you sign lots of contracts. The bank says, “we will lend you up to $X, and you will pay us back all the money plus interest, plus penalties. A) If you default on even one of your credit cards, the interest rates on other cards you own might go up. B) You usually get low rates for the first six months, and then much higher rates, and if you miss a payment, your interest rates might be as high as 20% or more. This post is in response to a question I got a few weeks ago. I’m really depressed and I think my wife is going to leave me and I have to put food on the table for three kids. If you borrowed 00 on your credit card, the bank will sell it to a hedge fund for . So now the hedge funds have made 100% on their investment. They look at the ages of the borrowers (younger age means they will pay less money), they look at the age of the debt (older means they will pay less money for the debt), and yes they look at race and gender and what state you live in. There’s usually other terms in the fine print, by the way. No problem: they borrow money from the US government, and the government will seize customer savings accounts if the bank defaults. I’m being very rough here, but that’s 0 billion in potential profits. Easy: they pay 3 to 6 cents for every dollar you borrowed. Maybe they give the collection agencies, on average, two cents. By the way, hedge funds analyze these collections of bad credit card debt like they would any other investment. Is a modular home a manufactured home for purposes of Regulation C?

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