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poor, a significant fraction of the total wealth is in the form of land and buildings. In most advanced economies, the main source of capital used by individuals and small companies to purchase and improve land and buildings is mortgages -- bank loans for which the real property itself constitutes home improvement loan veteran Negative amortization loan ``Don't count on being able to walk away from your debts by filing bankruptcy,'' said Melissa Richards, general counsel home improvement loan veteran the California Mortgage Bankers Association. ``I think you have thousands and thousands of people who refinanced and this didn't even enter into their equation,'' said Grant Nelson, a law professor

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home improvement loan veteran
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