User talk:Payor

Welcome
--Brian McNeil / talk 08:00, 27 May 2009 (UTC)

Credit card companies foreclosing without a mortgage note.
I have tagged this article with what I hope is a detailed enough cleanup tag. I'd recommend looking at that, at articles that have passed review and been published, as well as the Howdy template above. The neutral point of view policy blocks the use of such blunt authoritative accusations without backing them up with a explicitly detailed source (by that I mean using a wording such as 'Joe Blogs of the Financial Services Authority asserted that, "many offers of credit cards have been deceptively sold as unsecured when the fine-print of the contract reveals they are secured against bricks-and-mortar assets.")

Ideally, that is backed up with - as I suggest in the cleanup tag - a cite from a common credit agreement illustrating the deceptive practice you seem to be highlighting. This may require some original research - perhaps going through the motion of getting an agreement to look at.

The good side of going through these steps is it extends the life of the article and makes it more detailed or in-depth. News rapidly becomes stale and on Wikinews items are often marked as such when the most recent source is three or four days old. All regular contributors have lost things in this way, so best of luck. --Brian McNeil / talk 13:05, 27 May 2009 (UTC)
 * You still have all the up-front "blame the credit card companies" stuff in this. Your recent sources do not support this attribution of blame and you have cited no statistics to prove credit card companies are misleading people to take their homes away from them.
 * Bankruptcy is bankruptcy, you lose all assets to pay off creditors. This is nothing new and you're not just faced with credit card debts if you declare bankruptcy, you have to settle with all creditors.
 * I cannot see any way to salvage anything from this article, we don't do public service stuff like the "credit card companies evil" that you've turned this into. I'd assume that anyone who has had difficulty with any unsecured credit will be utterly unsurprised by this. --Brian McNeil / talk 09:05, 30 May 2009 (UTC)
 * I've added a section on Who What Where When Why and How to the talk page of this, it might give you a better idea of how to put across the story you're trying to write. --Brian McNeil / talk 09:33, 30 May 2009 (UTC)
 * You seem to have made no effort to work on the points raised on Talk:Credit card companies foreclosing without a mortgage note. Most articles that don't match the style guide &c don't get this long. I would strongly recommend starting from scratch, proposing a new title, and following the advice people have tried to give. Failing that, I will tag this as stale - all recent sources are only tangentially related to credit card debt thus not in line with the headline, and notnews - because it is stupidity and ignorance to think you can escape any unsecured credit obligations via bankruptcy, thus your home is at threat from any creditor - not just the CC companies.
 * Sorry, but I think you've been given enough rope to hang a herd of giraffes with this, time to bring it to an end. --Brian McNeil / talk 13:01, 3 June 2009 (UTC)

can you fix this
many offers of credit cards have been deceptively sold as unsecured when the fine-print of the contract reveals they are secured against bricks-and-mortar assets

Credit card companies foreclosing without a mortgage note. Credit card companies using the bankruptcy law to hide 30% home mortgage. Many offers of Credit cards deceptively sold as unsecured do not say secured against your bricks-and-mortar assets on the credit card application they will foreclose if you fail to pay them. All creditors are hiding that they are using bankruptcy law to turn non-collateralized loans in to, and up to 35% collateralized  home mortgage. Only in bankruptcy court do creditors reveal that loan was a never non- collateralized loan for there is no law that requires credit card to say they will take your house under the bankruptcy law. or that with out bankruptcy they will take over your bank account all your money will be taken so that you can not pay mortgage forcing you into foreclosure. Forcing childern into homeless shelters. And that you will have to pay up-to 35% interest. The bankruptcy court judge is forbidden form reducing the interest to a home mortgage rate of 6%.

With over 150,000 going into foreclosure every month that comes to 1,800,000 foreclosed homes with an average of two childern that come to 3,600,000 evicted. More childern will in evicted doto foreclosure than ever before U.S history.

Credit card companies offering payment insurance policy saying they only charge about $1 on every $100 a mounth what they don't say is that come to 12% interest a year added to 30% interest many are now paying means you pay 42% interest. Paying 42% interest on a credit card is financially ruining.


 * Bank of America charging 11% but saying "This protection is affordable at a monthly cost of just 95 cents per $100"

Most of the big Credit card companies are hiking interest rates on even there very best customers because they are often home owners who can not file for bankruptcy which would foreclose on there home doto legislative government corruption that allows creditors to foreclose without a mortgage note.

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