Not sure why they would turn the heat off in the winter but in any case that shouldn't cause mold in freezing temperatures.

You can re-freeze your report if you want. 

There isn't really a risk of the lender freezing the line because they're in 1st lien position. 

You can also get into more active strategies like STR and rehabs, but the work required to get in this is significant and at that point you might be able to just get a new role with the same pay with the equivalent effort.Is your entire industry in a hiring freeze or just your company laying off?

Take PayPal, for example: if the company decides for some reason that your account has been misused, it has the power to freeze all of the assets held in the account, without consulting you.

SEC steps in and shuts it down and freezes everything and forces liquidation and the investors are wiped out..

Like MtGox, an exchange could be robbed and freeze assets at any moment. 

I just freeze even seeing that gray paper

Yes, I have a lawsuit against ORES, but because of Charlie was appointed receiver, the lawsuit went freeze by law.   

Do you know of any crowdfunding platforms which operate a similar model.The UK ended up with a number of funds freezing redemptions when they had a big run.