I lately found myself in a bad situation. My lender began to refuse payments on my home mortgage because I had been three months delinquent. I had finally collected the funds I required to make the payments, but my lender did not wish to take the danger on me. They decided that it would be better if they foreclosed my house and reacquired the property. Because of the hazard I was facing from my lender, I decided to talk to a short sale attorney to help me to protect my house. I knew that I was probably going to lose my home, but I needed to fulfill the process without wounding my credit score and without the lender having the legal power to sue me for the balance of what I owed. To manage this, I needed to find out with my attorney, what is short sale.

According to my short sale attorney, if we could convince my lender to short sale the house, they would be in a greater position. I was not sure how this was going to work, so I asked my attorney to explain more. According to my lawyer, this was a win-win position for me and the lender. The lender would be able to locate a new owner on the property, and I would be liberated from my financial responsibilities. I still was not positive because I was afraid for my credit score, but according to my attorney, my credit score was safe. The bank could not manage anything to lower my score once the transaction was done. I would also be free from producing any payments in the future.

This was a good opportunity for me. I was unbelievably stressed with the threats from my lender, so this fresh chance has assisted me to proceed on with my life. I no longer have to trouble about the bank following after me for money that was unpaid. My lawyer attended all of the paperwork for me, and I did not need to execute anything in this operation. If you are presented with similar problems, then I advise looking into this opportunity.

If someone was to ask you what state has the highest ratio of blacks to whites in prison? What states would come to mind? Probably Mississippi, Alabama, Texas, definitely one of the southern states would be the choice of most if not all of us. Well if you choose one of these states your answer would be wrong. So what state does lead the nation with the highest ratio of blacks to whites in prison? The answer is Iowa, yes Iowa. A national study conducted by the Washington bases Sentencing Project ranks Iowa No 1 in the nation in the ratio of blacks to whites in prison. Iowa incarcerates blacks at a rate of 13.6 times that for whites. This is twice that of the national average.

This is no easy task especially considering that blacks make up only 2.3% of the population of Iowa, and that Iowa is not a high crime state. This news is no surprise to black leaders in Iowa who say Iowa has been among the national leaders in the incarceration of black men for years. A 1999 investigation done by the Des Moines Register found that 1 in 12 black men in Iowa were either in prison, on parole or probation. These figures were much higher then most other states at the time. Then Gov Tom Vilsack set up a committee to study the problem, but since that time little to nothing has changed as evidence of this recent study.

The Iowa justice system is broken. There is no justifiable explanation as to why this could happen in this state. One of the four black lawmakers in Iowa Abdul-Samad said of racism “What’s dangerous is that we don’t think we as a state have an issue with that,” but obviously there is a problem in the state of Iowa. So when you think of Iowa don’t just think of corn and farmers, think injustice.