Which of these families deserves government mortgage help?

Please tell me which of the following families deserves government mortgage help:

A. single mother with three kids. working, never married, child support erratic at best. bought a house in 2006 with a 5/1 ARM subprime loan. can’t afford payments now that the introductory low interest rate is ending.

B. married couple with two kids. both were working in 2005 when they bought a house using an alt-a loan. she lost her job in 2007 and her new one pays less. his self-employment business is slowing as his customers feel pinched and do without his service due to the “recession”. two months behind on payments with reset to higher rate in November.

C. married couple without children. Lost their house to foreclosure in 2007 after he was disabled in a work accident. Disability wasn’t enough to continue making the payments after his medical costs soared.

D. 83 year old widow. Owns her house free and clear, but can’t afford the property taxes and insurance because houses in her neighborhood tripled in past ten years due to easy money loans and thus many buyers. Now can’t sell as the market has crashed. Six months past due on property taxes.

E. couple with two college age children who re-fi’d their house in 2006 to pay their childrens’ tuition. Closed a 401k to make tuition payments in 2007 and borrowed from relatives to pay again this fall. House is 45 days past due but older child doesn’t graduate until December 2010.

F. Retired couple whose only regular income is small pension plus social security. Their retirement assets in stock market have taken a beating this year. Borrowed in 2004 against their house when he had a heart attack that caused his early retirement [which crippled his pension]. Rising costs of gas and food have made them 30 days past due and they have no way to catch up without further damaging their retirement assets.

G. Manager and stay at home wife with two children in public school. He lost his job two years ago — it was outsourced to China. Now works at Home Depot, but the money isn’t 1/3rd of what he used to make. Still looking for that managerial job, which costs hundreds a month in extra costs. they’ve gotten their foreclosure notice and are thinking about filing bankruptcy to buy time.

H. Market trader and retired wife who lost $125,000 when his short sales were arbitrarily ended by SEC order in this financial crisis. Hasn’t made trading profit since last October. Now two months late and getting daily phone calls from mortgage servicing company asking for money he can’t pay if he is ever to recover his losses in the markets.

I. Retired couple who saved and planned out their retirement for last 25 years. Retired in 2007 owing nothing, but living off 401k payouts and social security. their assets are down 25% so far in this recession and they’ll have to cut costs next year, which means short selling the house into increasingly bad market and paying bank off on the loss over next who knows how many years [if ever].

J. Sixty something widow whose assets were wiped out by husband’s death via Alzheimer Disease and private nursing home for 4 years. Has only Social Security now as all their retirement assets except the house went to pay the nursing home. Took a mortgage in 2005 to pay off the husband’s medical bills and burial.

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please tell me which, if any, of these families deserve government help in staying in their home or recovering their home.

This question has no political point to make and is solely to gather information regarding what the Y!A public thinks America’s public policy should be.
While all of these situations are real to some family, I carefully crafted each of them to show a case where the people involved arguably are losing or lost their home because some other part of our economic system had a breakdown.

In theory, none of these deserve government mortgage help, imo. Some of them needed either less or more government in some other part of their lives and because of that issue, were financially savaged to the point of losing their home.

Afaic, the mortgage industry should NOT bear the brunt of other failures in America’s systems — doing so only distorts the economy even further.

Did the mortgage industry have its own failures? YES.

Mostly, they had a failure of spine. They didn’t stand up to Congress and HUD in the 1990s when both needed to be told that their rules were requiring the banks to write bad loans that shouldn’t have ever been made.

Big government needed to be told “NO”.

im a guy with allll bad luck in my life nothing good for me in life.its like god made me and forget about me?

im a 28 year old guy with biggest bad luck ever.its about many things not just about 1.i was in relationship from last 10 years and now i was just about to get marry with her but at the exect moment that girl said no to me as she wants to marry a some rich guy.she started talking about money,cars,b.m.w and stuff.even she refused to have a relationship with me from 10 years infront of her family right b4 the marry.i lost my dad some months ago.i was allready hurt because of this thing and now this.i gave her each and everything i had but now im like stranger to her.but now as her own relatives told me that she never loved me she just wanted to come abroad nothing else.i felt like stupid and side by,she used me so badly just for money and funand things for herself,i was just a stand buy option for her nothing else.its just been 3 weeks and now she is in a relationship again with her neighbour and looking for marry.she had an 3 affairs when we were together buti alwz accepted her like nothing happned.even she did allot of worse things with others still i accpeted her..but again at the last moment i lost money,happiness,,,pride,,trust,,love,, and life.im just feeling like sooo use and throw stuff right now.it is not about the girl stuff..it is about that somebody used me like a crap just for fun and lavish life and at last made me feel like trash….i dont know what to do ? kill myself ?? trying to forget her but everyday missing her also.i dont lover her now because she bacstabbed me just for money but still my part was pure wich is hurting me too much.10 years of love stepped back in 10 seconds.right before the marry..im trying to give my atteettion to other things in life but its very hard and kinda impossible for me.i do hate her now.but now i feel like crap ,used,fool,,trash. dont know what to do ..how to remove 10 years of memories from my mind.feel like killing myself so that i can b free from all this..i wish anyone can help or tell me something..thnx allot guys.wish you all good life and luck.

What do you think of my story? Have any opinions/ suggestions.?

Trapped in the Forest

There were three animals: Martin, the parrot; Grace, the cat; and Mark, the goat. The three animals were best friends. They live in a village in Texas. The three planned to go to Daytona Beach, Florida. They were excited to go to the beach. From Texas to Florida, the three has to cross these three states: Louisiana, Mississippi, and Alabama. The three had crossed Louisiana and now they’re in Mississippi. While driving in Mississippi, the three were unaware and had no idea that there’s a tornado behind them. The tornado carried away the car they were riding in. “I hope we don’t die” Mark said. The car they were riding in landed in the middle of a forest in Mississippi. Martin had a headache because he was badly hurt, had bruises on his right wing and left leg. Grace had a big, bloody wound on her back, and cuts on her face and legs. Mark’s leg was aching and had bruises all over his body. “This is hopeless” Grace said. “Don’t lose hope” Martin said. “I hope we can get out of here soon, without getting eaten, or killed by a lion, tiger, or snake” Grace said. “I was not expecting this to happen to us” Martin said.“Oh no! The glasses of my car are broken, and a door of my car is missing and one of the wheels of my car is flat” Mark said. “That’s terrible” Martin said. Grace looked around and saw a lion near them. “Quick hide! There’s a lion nearby” Grace said. They hid at the back of the car. The lion did not see them. While they were trapped in the forest, Mark ate the grasses and fishes there, Grace ate the fishes there, and Martin ate some worms and fishes. They drank water from the river in the forest. They also took a bath in the river. They also cured their bruises and wounds using their First Aid Kit. After 20 days, all their bruises and wounds are cured. They also pray everyday that they will get out of the forest soon and they’ll be safe there. Moreover, they always tried to find ways to get out of the forest, but they always fail. They felt unhappy, worried, and afraid everyday. They were almost eaten by lions, tigers, and snakes, but they were always lucky enough not to get eaten by those animals. Those animals just wounded them. Their families, friends, and relatives are worried already and they were crying everyday. They felt unhappy, worried, and afraid everyday, and they told about them to the police. They tried to find them everywhere and everyday but no one has a clue where they are. Their families, friends, and relatives thought that they were dead because of a car accident or they drowned in the beach, or someone abducted them and never set them free. They tried calling their families, friends, and relatives through the cellphone but Grace lost her cellphone because of the tornado. Martin forgot to bring his cellphone and it’s at his house in Texas. On the day when they were trapped in the forest because the tornado blew away their car, Mark was standing up while playing games in his cellphone, then he accidentally slipped and his cellphone fell in the river. A week after the 20th day, the three decided to sleep at the back of the car. They forgot to close the back of the car. Mark woke up because he felt like he was being watched. He checked what it was and he was shocked to see an anaconda in the car. He quickly gets the things they are going to use and wear in the beach, and their food. He woke up Grace and Martin. The three ran so fast while the anaconda was trying to chase and swallow them. The three were able to find a way to get out of the forest. The anaconda wasn’t able to chase them. “Yehey!!! We’re out of the forest” the three shouted happily. Mark’s car is still in the forest. The three just rode in a bus going to Daytona Beach, Florida. They crossed Alabama and they already reached Florida. They had fun there and they stayed there for four days. They went back to Texas and they told to their families, friends, and relatives of what happened to them and they thanked God that they’re still alive. Martin, Grace, Mark, their friends, relatives, and families are all crying when they saw each other.