And there are only those credit counselors, but what can they do? As I said earlier, the developers need to shoulder the blame for building the houses if they think that people can afford them.

This is pretty much getting out of control. What do the developers think when they see, say, 1/3 of the houses they built that sits empty when people could not make their payments and their house foreclosed? It is sad that the dwellers had to leave their homes and move onto a cheaper place or move in with family or become homeless.

If a community sees that a 1/3 or 1/2 of housing area sits empty, then the cities should tell them not to build until those houses become occupied, and the people who can comfortably make the payments, unless they paid in full.

That article which appeared in the USA Today newspaper last week showed the number of empty houses in a community. So say the developers plan on building another community nearby. The city of Denver should tell them not to build until maybe 3/4 or more of those houses become occupied.

I don't know, but I think congress and/or the senate really need to clamp hard on those lenders who would loan money to people who really can't afford those payments. With everything in $$$$ shooting to the moon, is it any wonder that this country could be broke? Like we should get our troops home, stop funding the war in Iraq, and help our neighbors instead?