That way of thinking scares a lot of people because it can easily ruin someone else.

I just recently had a tenant demand that I ban the use of dryer sheets in the building because she doesn't 'do' dryer sheets because they cause cancer.

HR 1728 would be extremely harmful to thousands of your constituents.It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.Thank you for your consideration;NAMELicensed Real Estate Broker license #Phone #email*IF YOU SELL HOUSES WITH OWNER FINANCING*Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of homeowners to sell properties in this already-slow market.As a professional housing provider, I sell several houses each year to home buyers on installment sale [or, if you have not purchased a property, add here: "I had planned to sell several houses this year on installment sale]--a practice that would become impossible under this law in its current form.I find that in today's slow market, the best way for me to help buyers who desperately want to become homeowners, but who cannot raise the down payment or meet the other terms needed for conventional financing, is to allow them to make payments directly to me.These sales are win-win deals for both the buyer and myself; I am able to turn over homes that I've bought and rehabbed (often from foreclosures) to buyers who love and can afford them, and the buyer can get his new home at an affordable payment and interest rates with none of the usual costs (points, application fees etc) inherent in more conventional mortgage transactions.In Ohio, these transactions are already regulated by state law: a low maximum interest rate is already in place, and both the buyer and seller are protected by other regulations at the state level.Without the ability to sell homes in this way, I will no longer be able to invest in and renovate any of the tens of thousands of vacant, ugly houses placed on the market by the foreclosure crisis, and my small-but-beneficial business will literally be in ruins.

It's easy for people to say it's a scam because they expect to magically make money and when they don't they ruin the possible experience for others.

The contractor I hired one of his employees got shot and killed then the contractor himself got diagnosed with terminal cancer.

Her doctor didn't say "Meh, I'm over this cancer patient, just send her home."

They are a collection of electrons and muons, a brilliant orchestration without modern historical precedent of all the conceivable elements that serve one purpose: ruin.

Not sure if you were speaking in past tense when you said your credit score was ruined but 700 isn't too bad.

Short Sales, better access to funds without having them ruining their credit score etc.

My girlfriend of 6 years was diagnosed with stage 2 ovarian cancer.