FWIW, I have found an number of factors more likely to be associated with poor judgement and decision making skills than current income including: behavior consistent with a cluster B personality disorder (especially very high entitlement), severe mental illness, a very young age and severe adverse childhood events combined with a lack of family or social support, and drug/alcohol addiction.

Contact information for your Senators can be found at the following site: http://www.senate.gov/general/contact_information/senators_cfm.cfmTALKING POINTSWhile the intent to curb fraudulent appraisals is laudable, the Home Valuation Code of Conduct (HVCC) negatively affects consumers by increasing the costs of home appraisals, reducing consumer choice, and adversely impacting a homebuyer's ability to obtain a reliable and quality home appraisal.

Hi, an owner has the right to contract on the property or encumber it up to the date prior to the notice of demand / foreclosure, at that point the owner can not do anything that puts the lender in an adverse position.

You may wish to google "adverse selection" and read up on it.

The second would be that I'm surprised no one has hit him with an adverse possession suit as a counter.

I actually like a BPO where there is no mention of of adverse conditions or damages.

I had to deal with two attroneys, a bank, a business owner/seller, a commercial lender, the SBA, building inspectors, maintenance guys, title people and getting oil and gas royalties cleared up, existing tenants and a possible issue of an easement by adverse possession.

It's been well tested, and it's adverse effects and risks are well known (not to say that some of those risks aren't severe and even life threatening).

REOs, shortsales, retail purchase, adverse possession....they're all just different means to an end and each has their ups and downs.

To adverse some risk for winter/early spring?