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The The National Mortgage Data Repository is making its da
The record number of foreclosures in 2007 and 2008 is threatening homeownership as a
fundamental institution of American middle-class life. The inability of millions of families to
afford the strain housing costs place on their incomes is a driving factor in the foreclosure crisis.
While chapter 13 bankruptcy offers families the opportunity to repay arrearages on their
mortgage loans in a repayment plan, this relief does not address the ongoing struggle with loan
affordability that resulted from the loose underwriting standards and non-traditional loan modification products
that characterized the mortgage market in the last several years. The Mortgage Study data show
that even in 2006, before the height of the current stop foreclosure crisis, more than seven in ten
homeowners in bankruptcy had mortgage payments and related housing costs that exceeded
income affordability standards. Repealing the prohibition on modifying home mortgage loans in
bankruptcy would improve the effectiveness of chapter 13 bankruptcy as a home-saving device
and reduce the economic and policy consequences of the foreclosure crisis by giving millions of
families a chance to save their homes.
170 Eggert, supra note 168, at 290.
171 U.S. CONST. art. I, § 8, cl. 4.

s, and other professionals interested in mortgage issues. (Having teamed up with guest blogfor ouof bankruptcy and homeownership, I encourage my scholarly colleagues to consider the many virtues of collaborating on research with attorney/practitioners). Authors whose projects are selected will present their work at a symposium in Spring 2010 atThe full call for While the presidential candidates are busy debating healthcare finance, the Capital One barbarians and their friends have stepped into the breach. You can finance your elective healthcare through Capital One. It turns out that the company best known as a credit card issuer very effectively marketed by barbarians demanding to know "What's in Your Wallet?," has an entire operation dedicated to healthcare finance. Who knew? Capital One Healthcare Finance finances elective healthcare, Hgh such as dental, cosmetic, vision, orthodontic and fertility treatments.

I haven't been able to get precise rates off the web without submitting hordes of personal information, but they offer fixed rates ranging from 1.99% APR to 25.99% and payment terms of 18 months to 7 years (depending on the treatment). The pitch is that this is a cheaper way of financing elective healthcare procedures than credit cards--low fixed rates instead of variable rates. If this is true, then Cap One is providing a real service to folks who have elective medical issues--like wanting children--but don't have the cash on hand. Interesting to see Capital One Healthcare competing, in essence with Capital One cards.

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