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Yes, I was. Why is it that when borrowers trash their homes, remove appliances that were bought with the house, turn off heat so the plumbing freezes and mold develops, and leave the house full of filthy personal property, they are not held accountable? Not only did they sign a promise that they would pay the payments, they also agreed to keep the property in good repair. A few lawsuits could change that type of blatant “spit in your face” behavior. 