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16 Feb

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This is all happening between three and 12 months after you stopped paying on your debt.

The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don't deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and "nothing will ever be the same", we were a few days late on two mortgage payments in a row.

Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies).

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