Ernie & Razor,
You make good points and now I understand what you were getting at. And in the cases you point out I can understand that the box would be a good thing. Maybe what I really don't understand is that if they think a persons credit is that bad, or like Razor stated, they have good income but won't make their payments, why loan to them in the first place. In the case of the airlines and other businesses suddenly shutting down, I really do feel for those people as that is beyond their control. That has happened several times on a much smaller scale right here in Redding it the past 4 months. And in one case one of the workers had just gotten a new car and now is trying to sell it. I don't know about your areas but around here I can only see it getting worse for some time to come before it finally bottoms out and starts to gain some.
Ron
