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	<title>Broken Credit Blog -- Mortgage Foreclosure Short Sale Credit Report Loan Modification &#187; Bible</title>
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	<link>http://www.brokencredit.com</link>
	<description>Credit Report, Mortgage Loan, Loan Modification, Short Sale, Foreclosure</description>
	<lastBuildDate>Sat, 07 Aug 2010 12:28:51 +0000</lastBuildDate>
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		<title>Jhn 2:22</title>
		<link>http://www.brokencredit.com/jhn-222/</link>
		<comments>http://www.brokencredit.com/jhn-222/#comments</comments>
		<pubDate>Sun, 04 Apr 2010 14:58:34 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

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		<description><![CDATA[When therefore he was risen from the dead, his disciples remembered that he had said this unto them; and they believed the scripture, and the word which Jesus had said.]]></description>
			<content:encoded><![CDATA[<p>When therefore he was risen from the dead, his disciples remembered that he had said this unto them; and they believed the scripture, and the word which Jesus had said.</p>
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		<title>The Book Has Been Opened</title>
		<link>http://www.brokencredit.com/the-book-has-been-opened/</link>
		<comments>http://www.brokencredit.com/the-book-has-been-opened/#comments</comments>
		<pubDate>Sun, 21 Feb 2010 23:50:56 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

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		<description><![CDATA[The Bible is a complex book filled with difficult language and plenty of seemingly insignificant detail. This is because God has written it in a way that has enabled Him to hide a great deal of information from mankind until He decided it was time to open up our understanding. We didn’t even realize God [...]]]></description>
			<content:encoded><![CDATA[<p>The Bible is a complex book filled with difficult language and plenty of seemingly insignificant detail. This is because God has written it in a way that has enabled Him to hide a great deal of information from mankind until He decided it was time to open up our understanding. We didn’t even realize God was hiding truth until relatively recently, but now He is revealing a lot of previously hidden information to us.</p>
<p>We now know that the Great Tribulation is exactly 23 years in length, not seven like many of us previously thought. Contrary to what most of us have been taught, the Great Tribulation has absolutely nothing to do with the politics of this world. Instead, it is a spiritual tribulation. The Rapture will occur at the end of the Great Tribulation (again, contrary to what many of us have been taught). We can discover in the Bible that we are currently living in the 23-year Great Tribulation, which means the Rapture is just around the corner.</p>
<p>There was a time when if I had opened a book and read the kinds of things stated in the previous paragraph it would’ve been enough to make me seriously doubt the author’s grasp of truth. I grew up in the church where my parents held teaching and leadership positions. I was a leader in the youth group during and after high school. My best friends have become pastors. I understand the mindset of a typical churchgoer. I know what it’s like to immediately be skeptical of any teaching that contradicts what I’ve grown up believing.</p>
<p>I realize this information does not line up with most people’s current understanding of the end-times timeline. Most churchgoers would probably ask questions like, “What about the antichrist?” and “What about the mark of the beast?” Those are fair questions because what we’ve always been taught about the end-times events seemed biblically accurate. (And we will address those questions in this book.) We can’t fault the theologians of the past for their interpretations of the end-times events. The Bible is filled with confusing language and they did their best to piece it all together, but they were living in a time when the end-times prophecies were sealed by God. Therefore, even the most diligent theologians didn’t stand a chance at understanding them. But now we have reached the time when God has removed the seals and is revealing that much of how we’ve previously understood the end-times prophecies has been completely wrong.</p>
<p>Remember, the Bible is the living Word of God. It is not a dead book that we just read like any other book. The Bible is God speaking to us. We have to ask ourselves, “Do I really take that fact seriously?” Most churches will call the Bible the living Word of God, but in practice we have been taught to study it in a way that is not dissimilar from how we’d study any other book.</p>
<p>I strongly encourage you to set aside a few hours of your life to read this book. I realize it’s not a short book and I know it’s hard to find the motivation to spend time reading something that, so far, appears like it’s going to present teachings that you perhaps don’t agree with. It’s natural to want to close yourself off to it and not take it seriously. It is my hope that, in spite of all that, you will read through this book carefully and then prayerfully consider the information presented within it. I’m not suggesting that you take my word for anything that is written on these pages. In fact, please do not do that. You should examine this material on your own by checking it all out in the Bible.</p>
<p>I am not claiming to have received special information from the Bible that others have not seen. I’m nobody of any significance. God is revealing these previously hidden truths to careful Bible students around the world. A search on the internet will reveal that there are a number of websites out there discussing these very same things. We are all learning from each other because there is just so much new information pouring out of the Bible in our day. There isn’t an “About the Author” page in this book because it doesn’t matter if someone is a college professor or a high school student. God is not a respecter of persons (Acts 10:34), so our level of intelligence or position in the world is irrelevant when it comes to God’s program of revealing of truth to believers.</p>
<p><a title="The Book Has Been Opened" href="http://www.brokencredit.com/wp-content/uploads/2010/02/the-book-has-been-opened.pdf" target="_blank">The Book Has Been Opened</a></p>
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		<title>1Pe 3:12</title>
		<link>http://www.brokencredit.com/1pe-312/</link>
		<comments>http://www.brokencredit.com/1pe-312/#comments</comments>
		<pubDate>Sun, 24 Jan 2010 17:23:37 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/1pe-312/</guid>
		<description><![CDATA[For the eyes of the Lord [are] over the righteous, and his ears [are open] unto their prayers: but the face of the Lord [is] against them that do evil.]]></description>
			<content:encoded><![CDATA[<p>For the eyes of the Lord [are] over the righteous, and his ears [are open] unto their prayers: but the face of the Lord [is] against them that do evil.</p>
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		<title>Neh 8:8</title>
		<link>http://www.brokencredit.com/neh-88/</link>
		<comments>http://www.brokencredit.com/neh-88/#comments</comments>
		<pubDate>Sun, 06 Dec 2009 16:09:27 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/neh-88/</guid>
		<description><![CDATA[So they read in the book in the law of God distinctly, and gave the sense, and caused [them] to understand the reading. ]]></description>
			<content:encoded><![CDATA[<p>So they read in the book in the law of God distinctly, and gave the sense, and caused [them] to understand the reading. </p>
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		<title>What Should We Be Looking For?</title>
		<link>http://www.brokencredit.com/what-should-we-be-looking-for/</link>
		<comments>http://www.brokencredit.com/what-should-we-be-looking-for/#comments</comments>
		<pubDate>Mon, 19 Oct 2009 14:37:15 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/what-should-we-be-looking-for/</guid>
		<description><![CDATA[My husband and I are in the process of short-selling our home.  My husband and I are both real estate agents (but I just help out with office work) and the broker of our office is negotiating the short sale.  My husband was in an accident about 18mths ago and spent many months in the [...]]]></description>
			<content:encoded><![CDATA[<p>My husband and I are in the process of short-selling our home.  My husband and I are both real estate agents (but I just help out with office work) and the broker of our office is negotiating the short sale. </p>
<p>My husband was in an accident about 18mths ago and spent many months in the hospital and in and outpatient therapy.  By God&#8217;s grace he has recovered and is now able to work.  However, the economy and market on top of his time off of work (I was not able to work either as we have small children and I had to be with him in the hospital and take him to therapy as well. </p>
<p>After cashing out IRA,s and selling whatever personal items we could &#8211; and with very little income as he started back in real estate, we finally made the decision to do the short sale.  We now have a contract submitted to the bank and are awaiting approval.</p>
<p>I have these questions:</p>
<p>1) What can our broker do in negotiating to help ensure a better outcome for us &#8211; actually our 1st will not be a short sale &#8211; just the second.  Our loan is with Wells Fargo and we live in the state of GA (the 2nd is a home equity line, but it was used in initally purchasing the home &#8211; we have never refinanced since we lived here &#8211; bought in 2005).</p>
<p>2) What can we expect our repercussions to be from the short sale?</p>
<p>3)HOw long will it be before we can buy another home &#8211; we have heard conflicting answers from different lenders. We are currently 60+ days behind on our first and second.</p>
<p>4) any other info you can give that you think is necessary in negotiating short sales?  My husband is currently helping some others try and short sell their homes ans well and absolutely does not want to lead anyone astray.</p>
<p> I appreciate any info you may be able to give.  It is very difficult to find definitive answers &#8211; especially applicable to our state regarding short sales.</p>
<p>THanks so much.</p>
<p>Christina<span id="more-2609"></span></p>
<p>&#8212;&#8212;&#8212;&#8212;-</p>
<p>Hi Christina,</p>
<p>Read: <a href="http://www.brokencredit.com/my-heloc-follows-me/">My HELOC Follow Me</a> and <a href="http://www.brokencredit.com/ill-estoppel-if-youll-estoppel/">I’ll Estopell If You’ll Estoppel</a></p>
<p>Fannie Mae permits a borrower to purchase a home with 10% down two years after a completed short sale; however, from everything that I can understand from the Bible, the <a href="http://www.brokencredit.com/great-earthquake-may-21-2011.pdf" target="_blank">world ends in 2011</a>.</p>
<p>Thanks for the questions and hope this helps.</p>
<p>Paul</p>
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		<title>1Pe 2:17</title>
		<link>http://www.brokencredit.com/1pe-217/</link>
		<comments>http://www.brokencredit.com/1pe-217/#comments</comments>
		<pubDate>Sun, 04 Oct 2009 18:44:19 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/1pe-217/</guid>
		<description><![CDATA[Honour all [men]. Love the brotherhood. Fear God. Honour the king. ]]></description>
			<content:encoded><![CDATA[<p>Honour all [men]. Love the brotherhood. Fear God. Honour the king. </p>
]]></content:encoded>
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		<title>Pro 23:17-18</title>
		<link>http://www.brokencredit.com/pro-2317-18/</link>
		<comments>http://www.brokencredit.com/pro-2317-18/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 00:45:41 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/pro-2317-18/</guid>
		<description><![CDATA[Let not thine heart envy sinners: but [be thou] in the fear of the LORD all the day long.  For surely there is an end; and thine expectation shall not be cut off.  Sunday Bible Message]]></description>
			<content:encoded><![CDATA[<p>Let not thine heart envy sinners: but [be thou] in the fear of the LORD all the day long.  For surely there is an end; and thine expectation shall not be cut off. </p>
<p><a href="http://www.ebiblefellowship.com/sunday_bible_message/2009.09.20_McCann_-_Proverbs_23.17_to_18.mp3" target="_blank" rel="nofollow">Sunday Bible Message</a></p>
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		<title>Sabbath Day Parables</title>
		<link>http://www.brokencredit.com/sabbath-day-parables/</link>
		<comments>http://www.brokencredit.com/sabbath-day-parables/#comments</comments>
		<pubDate>Sun, 13 Sep 2009 11:00:06 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/sabbath-day-parables/</guid>
		<description><![CDATA[Where in the Bible does it state, separation of Jews and Christians? Why did Jesus follow the Torah and we don&#8217;t as christians? Like the sabboth? Kevin &#8212;&#8212;&#8211; Hello Kevin, The Bible is a spiritual book written in parables.  A parable is an earthly story with a heavenly meaning.  Look at the Sabbath day for [...]]]></description>
			<content:encoded><![CDATA[<p>Where in the Bible does it state, separation of Jews and Christians? Why did Jesus follow the Torah and we don&#8217;t as christians? Like the sabboth?</p>
<p>Kevin<span id="more-2574"></span></p>
<p>&#8212;&#8212;&#8211;</p>
<p>Hello Kevin,</p>
<p>The Bible is a spiritual book written in parables.  A parable is an earthly story with a heavenly meaning.  Look at the Sabbath day for example.  Why are we to rest on the Sabbath?</p>
<p>In the Old Testament, the Israelites were to rest on the seventh day (Saturday) Sabbath.  It was a day of rest we learn because ‘God rested’ as explained in the following verse:</p>
<p>Exd 20:11 For [in] six days the LORD made heaven and earth, the sea, and all that in them [is], and rested the seventh day: wherefore the LORD blessed the sabbath day, and hallowed it. </p>
<p>But the Bible also teaches that we are to rest on the Sabbath day because ‘God worked’ in the following verse:</p>
<p>Deu 5:15 And remember that thou wast a servant in the land of Egypt, and [that] the LORD thy God brought thee out thence through a mighty hand and by a stretched out arm: therefore the LORD thy God commanded thee to keep the sabbath day. </p>
<p>Interestingly, we also learn that the Sabbath is a ‘sign’ in the following verse:</p>
<p>Exd 31:13   Speak thou also unto the children of Israel, saying, Verily my sabbaths ye shall keep: for it [is] a sign between me and you throughout your generations; that [ye] may know that I [am] the LORD that doth sanctify you. </p>
<p>A sign points to something spiritual that we are to understand.  What is the Sabbath teaching us spiritually?</p>
<p>There is the account of the man who picked up sticks on the Sabbath day in Numbers as follows:</p>
<p>Num 15:32-36 And while the children of Israel were in the wilderness, they found a man that gathered sticks upon the sabbath day.  And they that found him gathering sticks brought him unto Moses and Aaron, and unto all the congregation.  And they put him in ward, because it was not declared what should be done to him.  And the LORD said unto Moses, The man shall be surely put to death: all the congregation shall stone him with stones without the camp.  And all the congregation brought him without the camp, and stoned him with stones, and he died; as the LORD commanded Moses. </p>
<p>Seems like a harsh penalty to be put to death for picking up sticks on the Sabbath.</p>
<p>But then we read another account when Jesus&#8217; disciples plucked the ears of corn on the Sabbath day:</p>
<p>Luk 6:1 And it came to pass on the second sabbath after the first, that he went through the corn fields; and his disciples plucked the ears of corn, and did eat, rubbing [them] in [their] hands. </p>
<p>Luk 6:2   And certain of the Pharisees said unto them, Why do ye that which is not lawful to do on the sabbath days?</p>
<p>Jesus responded by concluding that: “the Son of man is Lord also of the sabbath” (Luk 6:5). </p>
<p>Piecing all of this together we see that the Sabbath teaches that we rest in the Lord; resting in the work that Christ has done to sanctify us.  The man in Numbers picking up sticks (who consequently lost his life) was an example of someone who doesn’t trust in the work that God has done and wants to add some work of his own.</p>
<p>If you were asking why Christians don’t follow a Saturday Sabbath and instead a Sunday Sabbath, then that is answered in Mat 28:1 (and other verses) where there was a mistranslation.  If you look at the Greek for that text you’ll see the Greek word for Sabbath twice.  The verse should actually read &#8216;in the end of the Sabbaths as it began to dawn toward the first of the Sabbaths..&#8217;.  God is effectively changing the Saturday Sabbath to a Sunday Sabbath and this makes perfect sense because the completion of the saving work that we are to rest in was demonstrated perfectly by God in rising from the dead on Sunday.</p>
<p>Thanks for the questions and hope I got that right.</p>
<p>Paul</p>
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		<title>1Cr 1:10</title>
		<link>http://www.brokencredit.com/1cr-110/</link>
		<comments>http://www.brokencredit.com/1cr-110/#comments</comments>
		<pubDate>Sun, 05 Jul 2009 16:36:15 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/1cr-110/</guid>
		<description><![CDATA[Now I beseech you, brethren, by the name of our Lord Jesus Christ, that ye all speak the same thing, and [that] there be no divisions among you; but [that] ye be perfectly joined together in the same mind and in the same judgment. ]]></description>
			<content:encoded><![CDATA[<p>Now I beseech you, brethren, by the name of our Lord Jesus Christ, that ye all speak the same thing, and [that] there be no divisions among you; but [that] ye be perfectly joined together in the same mind and in the same judgment. </p>
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		<title>Short Sales and Rubies and Whiskers on Kittens</title>
		<link>http://www.brokencredit.com/wife-did-not-sign-will-lender-review-her-assets-on-a-short-sale/</link>
		<comments>http://www.brokencredit.com/wife-did-not-sign-will-lender-review-her-assets-on-a-short-sale/#comments</comments>
		<pubDate>Sun, 28 Jun 2009 22:55:13 +0000</pubDate>
		<dc:creator>Paul</dc:creator>
				<category><![CDATA[Bible]]></category>
		<category><![CDATA[Short Sale]]></category>

		<guid isPermaLink="false">http://www.brokencredit.com/wife-did-not-sign-will-lender-review-her-assets-on-a-short-sale/</guid>
		<description><![CDATA[Short sell the wife. I’m married and own a house that I want to short sale. The loan and title are all in my name since I owned it before we married. If I short sell the place, will my wife assets be included in the documentation? She has some money in a bank account [...]]]></description>
			<content:encoded><![CDATA[<p>Short sell the wife.</p>
<p>I’m married and own a house that I want to short sale. The loan and title are all in my name since I owned it before we married. If I short sell the place, will my wife assets be included in the documentation? She has some money in a bank account that she would like to keep and not be subject to my downfall. Is that a possibility?</p>
<p>Sean<span id="more-2479"></span><br />
 <br />
&#8212;&#8212;&#8212;-<br />
 <br />
Hello Sean,<br />
 <br />
The lender might ask for the wife’s information but if she is not an obligor on the loan then the lender shouldn’t be reviewing any of her income or assets on a short sale.<br />
 <br />
Thanks for the questions and don’t short sell the wife.  And on that note, I’m reminded of Proverbs 31.<br />
 <br />
Pro 31:10 Who can find a virtuous woman? for her price [is] far above rubies.<br />
 <br />
Paul<br />
 <br />
<em>This author is not an attorney and this information should not be considered legal advice.  Please consult an attorney for legal advice.</em></p>
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