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"Underwater homeowners across America are signally failing to take my advice and walk away from their homes"

"The result is a system tilted enormously in favor of institutional lenders who exist in a world of morality-free contracts, and who conspire to lay the world�s largest-ever guilt trip on any borrower who might think about joining them in that world. It�s asymmetrical, it�s unfair, and it�s about time that homeowners started being informed that a ding to their credit score is not the end of the world; that no one would expect a capitalist company to behave in the way that individuals are being told to behave; and that their options are in fact broader than they might believe."

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