She successfully predicted the crash and she was saying 6 months ago that municipalities are in deep trouble - hello Detroit.Now she is predicting that it's going to be "neighbor vs. neighbor.

I actually sold a business I had, 40,000 a year coming in for four years, so I had time to learn without worrying too much about survival.Or so I thought, four years later I crashed and lost everything.

However, since the crash, that landscape has changed.

If you have no idea what the property is worth and the cost of repairs I am not sure how you arrive at a wholesale market price to investors.

But I think I'll survive.Those yellow letters should have arrived either today or by tomorrow, and my postcards will hit on Monday.

My FICO crashed from 800 when we hit a rough patch a couple years back.

We relocated to a new area, having come from a smaller city where we were very well established, but was hit extremely hard by the crash.

@JonK We relocated to Orange County CA from an area that was highly dependent on the construction industry, and when the market crashed unemployment etc. skyrocketed to around 18%.

So, you believe the home is underwater by about 13%, how did you arrive at the market value?

It is a good book and it did arrive.