I would really like to know why it is that if you don't have any credit you can't get a loan? If you have bad credit you can't get a loan to fix it? If your in debt up to your ears you can get as many loans as you want. If you worked all your life and you lose your income and you have a-lot of assets why can you not get any kind of help even though your broke? i want to know why people that have lived on welfare for 30 years just because they have kids are still getting it and abusing what we need? I want to petition for a more sensible way to help we the people out when we are really in need, not just cause we have 7 mortgages and need a new Lincoln Navigator. So Please if you want to keep living a crappy life while they keep getting the loans while we struggle. Don't sign. I myself think we the people should have done something about this along time ago