Saturday, December 19, 2015


I get this email a lot and please don’t take this personally, “I’m going through hard times…do you have a date and rate?  Make me feel good.” I don’t. I do have a rate based on the numbers that we are looking at and that’s it.
The best date that we have was before 2010.  In that year they were supposed to get out of Chapter 7 and what were they supposed to do? What we’ve been watching…they were to start reducing the note count and it was going to be a 1 to 2 year process.
Just like the 1 or 2 year process we are going through now except it was supposed to start in 2010.

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