I have had communications with folks at the CFPB, my name isn't going on some petition that is so absurd and out of touch with reality, plainly obvious as to those asking for such exemptions, they are most likely the ones who can't or won't comply, or lack the understanding of why this became an issue but don't care, they really aren't interested in the "public" as much as themselves.

They cited the false advertising of 'direct water front'.

Because this is California where it is not unrealistic to see a house increase in value at absurd rates.

My heloc's are absurdly low and I can wait a couple years to renew my commercial loans for another 5yr term.

So if their portion of rent is $100, they only have to show income of $300 and that would be considered to be meeting your criteria.Of course, that's completely absurd, since no one can live on $300 a month (well, $200 after rent), even if they're getting food stamps and everything else.

FALSE !!

Never rejected one for false / misleading / incomplete information on the application?

Tonja:IMO pepper spray, etc. just gives one a false sense of security.

True or False.

If there has been a recent spike in values going up in the last 30 to 60 days most likely do not count it.It is most likely from a freeze on the foreclosures and a false spike in the market with supply and demand.Once other properties are released the values will go down most likely further with a flooding of the market just like what happened with the home buyer tax credit when it expired.Now that you have your payoff amount and data have the agent run market values for the bottom 50% of solds.Then have the agent take away average concession,commissions,closing costs,etc. to give you your net number which is the payoff to the bank.Subtract that from your payoff amount to get an estimate of cash to close.If it's a small number maybe you just get a promissory note.If It's a huge amount you could do promissory and than file BK afterwords.If you have a ton of other debt you need to wipe out a ch 7 might be best for you anyways.Short sales impact your credit scores but you can get back up after about 1 year.Hope this helps.