:D

when you've read the legislation, understand what it addresses and recognize the banking industry talking points coming out of Larry's mouth....THEN you can tell us to chill. Also, if you've read what I've written - I've said time and again that I knew I wouldn't agree with Larry on every vote. I've received over 30 emails at this point and they are about 90% negative against Larry. Four or five are wondering if he'll give their money back.

This isn't about agreeing with Larry on every vote. This is about Larry not having a response that appropriately explains his philosophical difference with the legislation other than it was a chance to vote against the Democrats.

Maybe instead of being so "chill" you should better educate yourself on the issues.

with quotes from Larry. There was an explanation in the press release. He would have to refute his own press release to offer an explanation that is suitable.

Kissell Votes Against Democratic Bankruptcy Bill,

Supports Preventing Bankruptcy and Offering Incentives for Paying Mortgages on Time

Washington—Congressman Larry Kissell joined 23 other Democrats and 167 Republicans in opposing HR 1106 today. He cited concerns that we shouldn’t have a housing plan that has bankruptcy as a centerpiece. “In North Carolina around 3 percent of mortgages are seriously delinquent, and I just don’t believe it sends the right message to the 97% of folks who are tightening their belts and struggling to pay their bills on time in this hard economic situation we are in,” said Kissell. “I want my constituents to know that if you are in trouble and need help, call my district offices and let us help you get the help you need before you consider bankruptcy.”

Kissell affirmed that he understands some people and businesses do find themselves with no other option and that he supports them having the ability to reorganize, even though he doesn’t support this expansion of the bankruptcy laws already on the books. “I’m very pleased that there are initiatives under way that will allow those who may be facing problems with their mortgage to get assistance through the Department of Housing and Urban Development. My office can put troubled homeowners in touch with the resources they need and help prevent families who are trying to keep their homes from ever entering the bankruptcy system,” said Kissell.

“We have so many Americans who have been paying their mortgage on time and I believe those who have struggled to play by the rules deserve some incentive to continue. I am proud I became the first Member of Congress to cosponsor a bill introduced by Republican Congressman Bill Shuster which grants a $5,000 tax credit to citizens who have made their monthly mortgage payments on time.” H.R. 1317 would reward current mortgage holders of a principle residence with this tax credit if the holder provides certification from the lender that they are not delinquent in their payments. “The misfortune of many Americans suffering from the housing market is troubling, and they will be assisted through this crisis. But then we should also acknowledge and reward the tens of millions more who are managing to stay faithful in their payments,” Kissell concluded.

With the new jobs numbers out, that 97% is sure to decrease.

Crowing that he wants to reduce revenues at a time when there isn't enough money for the government to pay its bills doesn't make one lick of sense. People shouldn't be rewarded for paying their bills on time. Having a good credit rating and being able to get loans when you need them without jumping through hoops is payment enough. Anyone who thinks chapter 13 bankruptcy is a reward needs to think again. It is a long, drawn out process and it damages a person's credit for years.

H.R. 1106 does not help save the homes of people who want to just walk away. It only helps those people who want to pay as much of their debts as they can. These are not usually people who are dishonest or irresponsible. These are usually the people who are filing due to death in the family, divorce, illness, injury, job loss, etc. These are the people we should help.

I've put a lot of effort into supporting Larry on this blog, so when I'm pissed, I reserve the right to hyperventilate over it. :D

Oh...and sorry I snapped at you. I'm angry at Larry and shouldn't take it out on you.