Actually, I think I blamed everyone involved. Just wanna' keep it real.
A "victim" in my book is someone who is forced to do something against his/her will, otherwise coerced, or is flat out lied to. These people signed papers that clearly laid out the terms of their mortgages. If they truly didn't understand what it meant and signed anyway, then they most definitely share responsibility for what happened to them. They could have asked more questions, done research on the InterWeb, obtained competing offers, asked family and friends with better math skills what it all meant, etc., etc. There is no excuse whatsoever for any grown adult to enter into a fully disclosed and negotiated financial transaction like a bleating lamb, especially in this day and age.
I don't take everything from my doctors, lawyers and others as spoon fed gospel either and neither should anyone else. If I did, my oldest kid would have had many more pointless invasive procedures performed on her as a young child than I allowed. Also, my first divorce would have cost me a lot more as I pushed my lawyer, against his advice, to settle for an agreed upon fixed alimony deal on the first court date (my income was about to jump dramatically).
Moral of this long winded post:
It is incumbent upon grown adults to make informed decisions for themselves and their dependents, regardless of who they are dealing with.
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