If you read it back then and asked some questions, I'm sure it would not have destroyed your REI confidence.

Scenario #2:  A family facing a foreclosure in a few short months, has the decision to sell their property sub 2, to save their credit, or destroy their credit by allowing the foreclosure to proceed.

Your tenant destroys house and you only make a few hundred a month on the house.

I want to move forward, but I don't want to make a fool of myself and destroy my creditability right out the gate. 

There's enough city stuff in Spokane to get me by (They have ramen, sushi, $20 hamburgers etc if those are musts for anybody), but no traffic, an upward trajectory instead of downward in many ways (crime is down, wage/job growth up, etc), and of course the ID side doesn't have insane government policies that seek to destroy your financial life.

This class will likely get destroyed in the coming years.

Managment : if you take out any loans before you retire you have to pay it back or you destroy your bank...

Get with the times now.. or be destroyed!

I recall a thread about this or something similar back in August where @Chris May completely destroyed these claims based on the math, and the proponents still stood behind their claims. 

Or it can destroy something you've taken years to build, ruin your relationship with friends and family, and some folks have actually killed themselves from the shame and stress of dealing with it.