Why waste money on these types of programs?

These people would be better of not continuing their cycle of crime and broken families! Spend the $1.5 million on a free birth control program. We have a better chance of eliminating the gang problem this way!

http://www.bakersfield.com/...

I am a realtor in the Central Valley of California, one of the hardest hit areas in the recent housing crunch. I too own a home, and my husband and I are struggling not just because I am not making any commissions lately, but because everything is going up - food, gas, taxes, you name it.

We refinanced our home in November 2005 to do some much needed improvements. Now our adjustable rate mortgage (ARM) is due to adjust in November. We are not sure what it will adjust to which is very worrying as my income has been greatly affected recently.

This makes it very hard to get back on track anytime soon. Banks used to be happy to talk to us and lend us money. Now we really need help and they don't want to know us. All of this has made our situation impossible. We want to keep our home, and make the payments but if banks are going to turn their backs on us, then they deserve the losses they incur.

I have met families who have lost their credit, their home, their dignity and even their jobs. After that, what's left? Unless people are relieved of their prior credit damages, and are given a reasonable chance to pay back their debts, then they are in serious trouble. I have wished all affected families I have met good luck. I know how they feel. I am one of them too.