Let me tell you what I know. Countrywide & the others carelessly loaned money to people/victims who didnt qualify with subprime rates. but BEFORE that SOMEBODY made it impossible for people who get in a financial bind to escape it by passing that HEINOUS BANKRUPTCY LAW. There is absolutely NO relief for the middle class or young people who get in debt. I dont know if I would work if I had 25% of my check garnished every week