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But L123, you can still afford your payments. Underwater or not, you will "discharge your obligations".
What about people who (because of layoffs, etc.) can't keep up with the mortgage? They can't even sell their property and move in with Mom because they'd get less than the outstanding loan amount.
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per·son \ˈpər-sən\ (noun) - an ephemeral collection of small, irrational decisions
The fun thing about evolution (and science in general) is that it happens whether you believe in it or not.
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