[Brookhaven]

Which is BS. Deadbeat borrowers are ALSO lawbreakers.

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Ummm, no. Failure to pay your mortgage is not a crime, and it does not make you a criminal.

A mortgage is a contract between two individuals. And just like any contract, if one side fails to meet their obligations under the contract, there are legal rememdies which can be pursued in civil, not criminal, court.

[bolobaby]

Guess you never heard of “contract law”, huh?

It may be news to you, but people DO have a legal obligation to uphold their end of a contract.

So, yes - given that people have a legal obligation to uphold their end of a contract, deadbeat borrowers are *also* lawbreakers.

[bolobaby]

Also, take note that I did NOT use the word “criminal” - you did. I used the word “lawbreaker.” Subtle but important difference.

It *is* a matter of law, otherwise the courts would not be involved. And people who don’t uphold their contractual obligations are lawbreakers.