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Gee, HAMP was around way before 2011. Maybe you should have tried getting your house into the HAMP program before defaulting on the credit cards, and you might have been able to actually afford the car then, too.
I'm glad I didn't since the company the mortgage is with was involved in very shady practices. Many people who thought they were in HAMP with them ended up losing their homes. If I had attempted HAMP at that time, I probably would have been one of them.
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