The Cookie Jar Excuse

From the Mercury News, we have More homeowners struggle with mortgages they can't afford.

Sarah Portales wants to keep paying her mortgage on time, but she's got a problem. Her monthly payments are $3,500 and her income is slightly less than that. All the efforts this San Jose custodial supervisor has made to find a way to refinance her loan into something she can afford have so far led nowhere.

A custodial supervisor at San Jose State University, Portales bought her first home, on San Jose's East Side, in October 2005. She paid about $589,000, according to public records.

"I was ignorant; I didn't know how it all worked," said Portales, 48, a single parent who also lives with and cares for her 83-year-old mother.

Ignorant, eh?

Who would've guessed that taken on a loan for more than you can repay would get you into trouble? What exactly made you think that buying a $589K on a $40K salary was a good idea?

You're not ignorant; you're functionally illiterate, and a fuckin' retard to boot!

Now, that you've been caught with your hand in the cookie jar, the best excuse you can make is that you were ignorant?

C'mon, lady! How about the Martians made me do it? Throw in an anal probe story, and you might even get a book deal out of it.