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In memoriam: Teresa

"I can no longer think what I want to think. 

My thoughts have been replaced by moving images".

Georges Duhamel

http://simontanner.blogspot.com

 

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Having trouble with your house payment? Free help and information on the steps

Need

mortgage assistance because of problems with your house payment? was delayed a month or more to pay the mortgage? is very important to do something quickly. Now lenders begin the process of foreclosure (foreclosure) between the third and fourth month.

Until recently, while their documents for mortgage loan modification were in the hands of your lender, there was the fear that he could finish the house. Now things have changed so if you need help and can not afford your home. should contact your lender to begin your loan modification as quickly as possible. As soon as you realize that problems with mortgage payments must act quickly, no time to lose. Do not ignore the problem. Each time the time goes, but things get complicated and more difficult it is to get help paying your home.

Lenders In these times of continuing with the forclosure to approve amendments, when put in the period pruenbas (Obama plan to change), recently stopped the auction. If you have had problems with your lender that you have not been able to help with the modification of your loan, or have denied it, here you can get advice and answers to all your questions: mortgage loan modification.

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loan modification - Modification of Loan

Loan Modification mortgage and loan modification . The loan modification is also known as mortgage modification or loan modification.

With the book and guide mortgage modifications you could make an effective and hassle-free application package with a well made, accurate and error-free for their own loan modification. They contain detailed step by step. Do it yourself and without using intermediaries. See how easy it is to prepare all the documentation and do the calculations in order to send your bank a stellar application and without errors. This is the only help that you need to keep your home. The manual

amendments to loan or mortgage modification, you will find all about how government programs work to help homeowners to modify their mortgages on better terms (lower mortgage payments on your home) and so can avoid forclosure.

have many questions about the loan modification? Want answers to perform a successful mortgage modification ? For example questions about obama modification program, or an example of hamp grade calculation?

Then came the right place

People who used this manual loan modification?

• If you have tried one or more times to make a modification the loan with the bank and not able to obtain good results. This manual is for you.

• If you are about to enter the foreclosure process, this book is for you.

• If you are behind on house payments and is a MECES month two, three or more MECES. This manual is for you mortgage modifications.

• If you have a second loan that does not pay a couple of long and MECES or call to charge, but you are totally lost on what to do. This book is even you.

• If you have never fallen behind in payments on your home but you feel you are in imminent danger of falling behind, this book is for you.

• If you have your loan in mortgage loss mitigation department or mitigation with the bank and have spent many unanswered MECES, this book is for you.

• If it no longer gives more and is about to give up because there is no exit, this book is for you.

• If you want to know if you qualify for a mortgage loan modification, this guide is for you.

• If you are totally confused and need to know how to do to qualify for a mortgage modification, the electronic book is definitely for you.

• If you tubieron on probation for a MECES and after the bank said it did not qualify for loan modification, this guide book is for you.

• If you do not want to lose your home, but already exhausted all resources, including shooting the little money they pay him for he had been the lawyers, this book is for you.

The mortgage modification manual you will find all the answers to their questions and concerns about loan modification.

Loan Modification: What is the main purpose of making one?

Download your mortage payments by reducing interest (conventional loans). No matter if you have a fixed or variable interest. No matter who has an interest of 4% or 5%. It can get 2%. (I had the 4.875% fixed and obtains his 2%).

Depending on the case, you can also extend the terms of the loan or reduce the principal. This whole debt reduction applies to properties that have fallen sharply in value.

Note that you do not need good credit to qualify for a mortgage loan modification. Not necessarily qualify only borrowers who have fallen behind on mortgage payments, people that have not been late, but are in danger of falling behind, can also qualify for government assistance program for mortgages.

The main requirement to qualify for mortgage modification is that revenues are sufficient to mortagage payments and modified. People must have experiement a reduction of salary (economic problems by reduction of income) or have taken ill health.

Today there are several plans for mortgage loan modification. Avoid foreclosure or seizure of property by submitting your application for loan modification with your lender quickly. Do it yourself, create your own loan modification (Loan Modification) and do not use a third person, no one else that you could put all the effort and interest in that everything is done right, do not throw away the little money they have to pay him for anyone. Lawyers charge an arm and a leg and more. For this manual only pay $ 34.95. dollars. Not a penny more.

The mortgage modification manual provides key information on loan modification. By educating yourself on the subject, you will be able to do an outstanding job for the best results in your mortgage loan modification .

not give your house to the bank easily, fight for it, learn and educate yourself about everything related to mortgage modifications. Protect what you worked so hard to obtain. Learn for yourself how can help to reduce their monthly mortgage payments.

The only way to assert your rights as a borrower and consumer, is a teacher. No valid arguments can not win the battle against the banks.

So get ready to carry out the formalities and paperwork of mortgage modification.

In this book are absolutely all the answers to your questions about loan modifications.

Here you can get more information about the book guide for mortgage modifications.

loan modification

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What to do if you were denied the loan modification?

If the bank denied the loan modification mortgage, do something quickly, not resigned to losing their home. A continucacion I explain what you should do and as soon as possible.

have to act fast, and if it does nothing will lose your home. Worst of all is that depues and may not buy another because in these times is almost impossible to qualify for a home loan. The directirces of home loans are very strict now, so they should fight to the last to keep your home.

What to do if you were denied the loan modification ?

must find out what was the reason why the bank will not mortgage approved the amendment. Should be borne in mind that often the main reason why loan modifications are not approved, is people working in the bank can not do the calculations of income borrowers. This I tell you from personal experience. I'm not doing making an assumption. I checked when you apply for modification of my loan.

When I called my bank (CitiMortgage) for the first time to tell them that I wanted to apply for the loan modification HAMP or Obama, they said it earned me a lot and did not qualify for mortgages Obama plan. Calulo made me bad income, but I told them they were wrong.

finally got the 2 percent to Obama's plan modifications, you can see pictures here. Click on the images to enlarge:

I could do it before you call learning the guidelines and everything you ought to know about the loan modification . If I had not known that they were doing wrong calculation of 31 percent, would have thought I was ineligible and lose my house! imagine a few of you will be doing the same. This is a totally unfair situation and we should not allow it! The solution? Learn how a mortgage modification. Wisdom is power!

Do it yourself and never has anyone to pay him the paperwork processed modified hioptecaria of your loan, except that it is not allowed, is illegal, nobody but the person concerned, I mean yourself, will put the same interest in getting good results. For example when I started the paperwork for modification of my loan, call several lawyers to see if I could help. Everyone told me different things. (The lawyers were paid between $ 3.500 and $ 5.000 dolres). Even call the government agency offering free help of the Obama modification program (HAMP) and I realized that people handa out there with no more working the bank. So there was when I decided to learn it all and do it myself the processing of my loan modification.

Why pay a lawyer for something you can do yourself? sentido.Ademas not if you do not know how the loan modification never know if you could have done a good job, if the bank denied the modification, you would have to make do with what the lawyer said. But if you yourself do everything and learn as well, which is not difficult, (it's super easy! Not think it is somewhat complicated paperwork for the loan modification) then you're much more likely to get a positive result. I repeat no one, not even a lawyer, will put the same interest in the matter yourself.

Well back

to my mortgage loan modification, once I decided to do everything myself, before calling my bank, I learned well the guidelines, then remove accounts and check that I qualify for Obama's plan for mortgages (Affordable Home Modification Program). We know that lenders are the only ones who can decide whether to approve the amendment or if they deny it, nothing else they can do, I mean that if we stayed in our house or lose, it almost depends on who answers the phone when you call the bank. If you get an inept person who does not know the guidelines, you lose your home if you are lucky enough that someone will answer if you know the guidelines and is willing to help, you do not lose home.

super We are in a vulnerable position. Then we return to the same, if we know how the program works, if we know the rules and guidelines, we can fight for our rights. Given valid arguments, it is the only way to win the battle against the banks and also to assert our rights as borrowers.

bank lenders do not deal well with the borrowers, large banks like Chase, Bank of America, Wells Fargo and Citi Mortgage is the worst. They forget that the government gave them money when they were sinking and that money is received, our money, we pay taxes!

I would not let me when I called CitiMortgage and rudely answered, told them, "Tell me hear it, you believed that to who is talking to his employee or that you are doing me a favor. Here I am I'm doing you a favor because, thanks to my work so you have to talk like people. " And if he continued talking as unkind just hung, and knocked again. If I played another well, "said he the same as the previous one and still hung. No matter if I had to call a hundred times, but I would not put up a simple bank employee that I came to speak rudely. You should do the same. You have economic problems and can not make the house payment does not mean they have to deal with bullying. No stop! Not only have bad manners, but for highs can not do a good job.

I already knew that people who work in banks in the customer service department was inept, and so I decided to learn it all before, but I never figured it was so extreme that they have no idea how to calculate income of a person employed and in general, are completely ignorant about the loan modification program Obama.

What to do if you were denied the loan modification?

For all these reasons, create an electronic book called "loan modification successful" to help borrowers, telling my experience, I did and that should make you to fight against their lenders when they are acting unfairly. I repeat the wisdom is power. In this eBook you will find these topics: what to do if you are denied loan modification? how to know if you qualify for loan modification or other Obama, such as preparing the application, documentation, well yourself before sending it to your bank, as do the calculation to see if you qualify for your loan modification, what happens when you A second loan and has not paid, when the lenders begin foreclosure? may lose the house while your loan is in loss mitigation, bone in the process of modification? and much more. Alli find all the information you need to submit a stellar application to your bank. I did all of this that I explain in the book and got the interest of the 2 on my mortgage. This is the book:

What to do if the bank denied the loan modification

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Bank of America Affordable Home Loan Modifications: A Failure

Bank of America (BAC) to largely failed in regard to help homeowners difficulties and prevent mortgage foreclosures. Simply seek a thousand excuses for not approving the prestatrios for loan modification Home Affordable, Obama's plan for mortgages.

Bank of America is one of the largest financial institutions in the country and the largest mortgage issuer, but also the least willing to give mortgage help and make the mortgage loan modification.
Pro
consumer advocates have filed a class action lawsuit against the company in the Massachusetts district court for alleged violation of its agreement to modify mortgages for people under the federal Affordable Home Modification Program. Bank of America faces a similar lawsuit in Washington. Massachusetts residents have also filed complaints against JP Morgan Chase (JPM), Bank OneWest and Wells Fargo (WFC), accusing these companies violating the guidelines of HAMP (modification Obama).

According to the latest federal data, fewer than 21,000 borrowers in Bank of America of an eligible group of nearly 1.1 million have had their mortgages modified under the HAMP permanently.

We understand that the Bank of America is not the only one who does not want to help people, in general, all the big banks are doing the same. For example OneWest (also known as IndyMac), so the Bank of America is not the only culprit here. In a new report by the Special Inspector General Neil Barofsky, said that the HAMP modification program is not being effective in the sense that lenders do not want to give it and also said the program has fallen far below expectations. He also accused the U.S. Treasury information to inflate the number of homeowners who have received assistance, focusing on the number of homeowners who have been tested, instead of focusing on praise have permanent loan modifications. The report says:

"In the absence of a thorough review of the HAMP and its objectives, the program helps homeowners in risk has simply extended the foreclosure crisis over several years, at taxpayer expense as significant and even at the expense of borrowers who are struggling to change, but are still doing higher payments on the mortgage for months before succumbing to foreclosure anyway. "

HAMP is fraught with problems, according to Barofsky. These include changing the documentation requirements for borrowers, confucuin Documents lender, confusion about how lenders calculate a mortgage participants qualify for mortage modification, proper verification of income owners, and poor training of lenders with respect to changes in Affordable Home (HAMP).

A this I would add one more important factor: The banks and loan servicers have financial incentives to carry out mortgage foreclosures of homes instead of modifying mortgages, they also prefer to refinance mortgages and payment plans in the short term rather than make them permanentes.No loan modification should be given aid for mortgages.

What is the solution? HAMP review (Obama's plan for mortgages), for example, make clear to the banks as people qualify for the program. But the best option would be for the Obama administration and Congress to review the legislation and empower bankruptcy courts to decide on mortgage modifications.

That hurt the profits of the banks. But companies like Bank of America, Chase, Indy Mac and Wells Fargo are strong enough to endure the pain. Meanwhile, the mortgage foreclosure epidemic continues to rage, and this not only hurts individual homeowners but also to the economy in general. It's time for another type of medication.

The biggest problem here is that lenders make their own, people who are working in customer service is inept, and they in conscience do nothing to teach them about the Affordable Home program. I think that more than half the mortage changes that banks refuse, it is only because they know borrowers qualify.

At the moment there is no other choice but to continue fighting with banks to get mortgage modifications Affordable Home, the best way to win the battle is learning how the program works, guidelines and so have a valid argument to "fight" with sets. If you know how the program, are aware of the rules and guidelines and they do not know and deny the changes as being inept, you can continue fighting, calling and calling until you get a person in the departments of the customer service listen. I tell you from personal experience as to me that happened when I applied for my own modicacion of loan. Until got to get the 2 percent to Obama modification. Here you can read about my case:

loan modification

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A loan modification to keep your home

A loan modification can save your home.

If you are having economic problems and is behind in payments on your mortgage, try to negotiate a plan mortgage modification with your lender quickly to avoid a short sale (foreclosure). There are a variety of programs available to help you avoid losing your home. One of the programs that most benefit to borrowers is the AFORD Home Modification or as many people call it, the loan modification Obama.

What is a loan modification program?

A loan modification is where the lender agrees to reduce the interest rate of your mortgage, arrears added to your mortage debt and extends the term of the loan to lower your monthly payments .

When is a good idea to do a loan modification?

Loan modifications are for people who:

* Have had a long-term reduction in income.
* Your monthly payments and expenses have increased. * Do not have enough
income to pay the fees of your current mortgage

"I can qualify for a mortgage modification? Here are some questions to help you realize if you qualify for a mortgage modification, answer these questions:

1. Do you live in the house? mean, is this your primary residence?

2. It is the loan amount you owe on your first loan (if loan is also segunodo account this amount) much bigger than it costs to home and no more than $ 729,750?

3. Do you have trouble paying your mortgage? For example, we have reduced hours at work, has had a significant increase in house payment, your income has decreased since you obtained your current loan or have had a difficulty that has increased spending, as well as medical expenses, death of a relative, etc.

4. Did you get your current mortgae before January 1, 2009?

5. Is your first mortgage payment, including principal, interest, taxes, insurance and association fees (if you live in a condo), is over 31% of your current gross income?

If you answered yes to these questions, you may qualify for a loan modification with Obama GOVERNMENT program.

The following site, you can get complete information about how loan modifications work as you complete same paperwork to send to your lender. Guide that takes you through the process step by step:

Loan Modification

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Obama's help for modification of home loans continues to decline

The number of borrowers who are being helped by the prevention program of short sales (implementation a mortgage) Obama administration continued to decline in October, data released by the Treasury Department.

About 16,634 borrowers obtained a permanent loan modification in October 2010 and 17 771 in September.

And the number of mortgage amendments approved or denied not continue to rise over the number of borrowers who are getting ongoing support.

At the same time, about 26,679 borrowers left the program in October, bringing to about 756,000 the total number of borrowers who have defaulted since the program began in the spring of last year.

About 483,000 borrowers have received permanent changes to the Affordable Home Modification program , known as the HAMP. The government initially expected to provide support 3-4 million borrowers, although they have since reduced ambitions.

The Obama launched to try to find HAMP a way reduce mortgage payments for homeowners who wanted to keep their homes, and were in imminent danger of foreclosure.

However, it is widely regarded as a flawed program. Lawmakers say it is not to relieve tension in households where incomes have been weakened by sluggish economic growth, high unemployment and bureaucracy imposed by banks, makes it difficult to comply with all the obstacles to a temporary or permanent reduction in monthly payments.

New data from the Mortgage Bankers Association showed a slight decrease in the rate of mortgage delinquencies in the third quarter. The rate dropped 0.72 percentage points from the previous quarter was 9.13 percent.

But the group of bankers that offers little hope of a lasting improvement, noting that there was a potential 4.5 million homes to be foreclosed over the next three or four years in the top four million in the list.

banks are now fighting a rearguard action against the revelations that using "robo-signatories" to accelerate the pace of foreclosures, an act that infuriated the homeowner advocates and led to hearings in which bankers and regulators were brought angry lawmakers. The

Documentation fiasco, along with the slow modification programs as Hamp, has reignited public anger with the banks receiving billions of dollars in aid from taxpayers during the financial crisis. Meanwhile

government subsidies for mortgages continues to fall, through no fault of the government, but as I mentioned, because of the banks. The mortgage loan modification that are approved are very few, but not because the borrowers do not qualify, but it is by having people in the department of customer service they can not do their job. It is obvious that they do on purpose. If the loan modification they saw fit them, Lenders would make sure the people putting efficient.

borrowers are not getting help mortgage lenders, most of them say: "I refused the amendment" "I do." Even explain why they have not approved the loan modification.

Related Topics: Applications

home modification Chase, Wells Fargo, Bank of America and everyone involved , how to get the percentage of 31% for a mortgage modification , hardship letter for the bank, mortgage modification , to do to pass a modification, loan modification obama , funsiona as a modification? Chase home modification, mortgage modification plan obama, how to fill out the form for loan modification, loan modification questions .

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Wells Fargo is a nightmare for owners when seeking assistance in the Modification Making Affordable Home Loan Programs

Wells Fargo bank put a borrower in Illinois through a nightmare, frustration and stress when Mrs. relentlessly tried to apply for a mortgage modification under the Obama program Making Affordable Home Modification, according to a lawsuit filed in federal court.

is a nightmare for many homeowners who rely on the promise to reduce payments HAMP monthly. The greater the number of people who have been denied the program to which they have been given a modification for five years, federal auditors say the program actually does that sometimes borrowers from losing their homes rather than maintained. Teresa Crowley

Deerfield, Illinois, began having problems with their monthly income because of their health and less demand for services in their work, first applied for Making Home Modification or HAMP AFORD in April 2009. Wells Fargo allegedly dragged the feet for four months in October of that year he sent a letter saying they did not qualify for the loan modification program Obama, then when I call to complain they gave false explanations.

In November, she again applied for loan modification, then the following month Wells Fargo denied the amendment again. A week later she called the bank and spoke with a woman customer service of this bank, which determined that Wells Fargo had mistakenly exaggerated the income of the woman in $ 2,800. The file also erroneously indicated that she owed $ 2,381.07 per month in credit card debt had actually been paid in 2002. The girl said that according to the right information (information that Wells Fargo had throughout this process), in his opinion Mrs. Crowley would have qualified for a loan modification HAMP. Crowley

applied again denied the mortgage modification again in March. She called to complain again. Then Wells Fargo allegedly put her in a trial period during which lower payments made for three, one of the month while pursuing a change in HAMP. One day he said his income was not the cause for which he had denied the amendment, but the real cause was the so-called "Net Present Value", this is related to the value of the property. It is a calculation is done with the modification program Obama Making Home Loan Affordable.

In August, she received this letter from an executive at Wells Fargo: "As stated, your income has nothing to do with what has been denied the HAMP, the reason was the net present value. At the time of denial.'s VPN, which had been instructed not to use that as the reason why we were not prepared to explain the denial of the net present value.

The Class of Mrs. Crowley is one of many that are making through the courts throughout the country. They reflect the widespread frustration with the HAMP. The president said the program would help three to four million homeowners modify their mortgages and keep their homes until they were in force (in 2012). So far, 466,708 are at or permanent changes, while more than 700,000 changes have canceled them.

Eligible borrowers are supposed to have their monthly payments reduced to 31 percent of their monthly income, usually save around 450 to 550 a month. If they pass the probationary period lasting three months, the mortgage modification is supposed to be permanent.

Wells Fargo declined to comment on the suit of Mrs. Crowley on Affordable Home modification program (HAMP). Banks generally do not like to discuss on individual clients. Wells Fargo said in an email to Huffington Post that 92 percent of his customers are current on their mortgage payments from the second quarter of 2010 and less than two percent of its portfolio of services in property has been the foreclosure sale on an annual basis.

"Wells Fargo has led the industry by changing the loan and interest to more than $ 3.4 billion of owners forgiving principal to customers facing financial difficulties, permanently removed an average of 13 percent of the outstanding principal, which equivalent to more than $ 54.000 per loan of more than 65,000 customers, "said a spokeswoman. "Exclusion is a last resort after all available options to keep home ownership have been exhausted."

For Crowley, that "hangs in limbo somewhere between the loan modification and foreclosure," according to demand.

"I have no choice but to fight for myself," Crowley said in a statement. "I want to help people do not have to endure the same nightmare of harassment, frustration and stress I have been relentless."

The case of Mrs. Crowley is one of the billions which are the majority of borrowers who request an medificacion of loans with their banks. This problem does not happen only with Wells Fargo, but with the most reputable lenders such as Bank of America, Chase Mortgage (deal with Chase for a loan modification to the square is a nightmare, really. I speak from experience staff), Citi Mortgage, Flagstar Bank and many others.

But talk about how leading the loan modification process each of these banks and and topic for another article.

The thing is that lenders do not really try to help homeowners who are struggling with their mortgage payments. I really do it on purpose because they do not should be given 2% of interest to people who pay more than 31% on their mortgages. Are delayed on purpose and people who are working in the customer service department are inept and do not know the guidelines of the loan modification program Home Affordable. For the record, I speak from experience. I made the loan modification of my mortgage, and cost me any amount to get it. Each time I called my lender, I totally inept people answered that they had no idea how to calculate the salary of a person who works for himself a self employed bone. In another article I will explain about my own experience.

So what they must do before you call your lenders to request Obama's amendment Home Affordable, must be patient and be prepared to call several times a day. The most important thing is that you must learn these loa guidelines or rules of the program. If you know what it is, if you can tell who qualify and your lender tells them they do not qualify, then they can complain and have a valid argument to keep fighting. Here you can get information about program guidelines or guidelines for mortgage loan modification Mofification Home Affordable.

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mortgage loan modification

is true that both the Governor is offering programs for loan modification to lower mortgage payments?

Yes, the U.S. government is offering loan modification programs to alleviate and reduce payments for borrowers who are having financial difficulties right now. The best known is the Affordable Home Modification

What is a mortgage loan modification?

A loan modification is very similar to a refinancing of mortgages in that the objective is to obtain a more affordable mortgage payment to your financial situation. The main difference is that instead of seeking a "new" loan, you simply "Adjust" the terms of the existing mortgage.

What is the difference between a loan modification and refinance my mortgage?

Refinancing your current mortgage for a more affordable mortgage payment could be an option, but unfortunately, a growing percentage of homeowners do not qualify for a home refinance. Too many people are having credit problems due to difficult economic times we are facing. Indeed, loan modifications are for the owner who has incurred a financial hardship that prevents the best mortgage financing options payment.

In most cases, a loan modification is recommended for owners who have financial difficulties that prevent them from making their monthly mortgage payments. Most people are eligible for these programs to modify the mortgage, if you have defaulted on one or more mortgage payments in the house.

Am I eligible for a loan modification?

This will vary depending on who makes the services (ie, to whom you send your mortgage payment each month.) However, most are qualifying criteria very similar. These are the most common standards of qualification for a change:

• Are you experiencing financial hardship or a change in financial circumstances

ARREARS

• It has been 3 months for the mortgage payments on your home (90 days past due ) or

• owns and occupies the property as primary residence

• banking has not rrota

Other important factors that may affect your eligibility for a loan modification.

Since many of the programs work differently, you should contact your lender and inform them about the requirements to qualify for a mortgage modification.

Where do I get a loan modification?

Ultimately, the only place where you can get a mortgage loan modification is with the lender or agency that has your current mortgage. In the mortgage market, where mortgages are bought and sold constantly, sometimes this can prestarce to Confucianism in the process of loan modification.

The best place to start is the statement or coupon book on the mortgage. Each lender have different mortgage loan modification programs and processes. This is where you must be persistent and call until you get to talk to someone who wants to help and knows a little about the guidelines. This is the hardest part because often the bank staff have little training to handle a loan modification.

What do I need to show the bank?

The bank is in business to make profits for their shareholders, just like any other business. Consequently, his goal in filing its request for loan modification is to show who is in the best interest for the bank to modify your loan.

What may help your request for modification? These are the points that you should be able to show your bank:

• You have had a substantial change in its financial position

• You have done everything possible to make their mortgage payments, but failed

• You have been cooperative and responsible in working with them

• Willing to be open, honest, and provide all necessary documentation

basically Remember that your bank will make a new loan you after a loss. Tienesque show the bank is unable to pay the new loan terms modified.

What do I need?

The loan modification package will be the most important part of their loan modification efforts. Again, the content and process your lender may vary, but the critical elements are usually the same. Here is an example of documents likely to be necessary: \u200b\u200b

• A letter explaining their difficulties

• Proof current income and ability to make payment of the loan as modified

• Detailed monthly expenses or budget

The main objective of the party to make the modification of your loan is to provide your lender with the documentation sufficient to assess the risk in changing your mortgage. The main issue that your lender will be trying to answer is you will be able to afford the new modified mortgage payment.

why the bank will want to modify my loan?

Just because it is in the best interest of the bank. The attempt trying to change your loan from the bank is not because they are good Samaritans, but this is essentially an alternative transaction that has more business sense to them qeue and leaving more expensive costly foreclosure procedures.

modification Loan Programs

As mentioned above, the loan modification programs are beginning to incorporate and thus there is little standardization. The details of the modification programs for which you may qualify give your lender or loan modification consultant.

Here are some of the programs most prevalent modification:

Obama's government, under the direction of U.S. Treasury has created one of the most inclusive of loan modification to date. This modification program not only helps mortgage borrowers in the current financial difficulties, but the owners who think they are at risk of being late, or who may have problems in the future or have lost the equity in their property due to the crisis housing market.

IndyMac Bank was one of the first financial institutions began to offer new terms for modifications of mortgage loans to its customers. When the FDIC took over IndyMac became the first test for a policy of extensive loan modification. You may be eligible for this loan modification program if your lender outside IndyMac Federal Bank.

Housing Finance Agency Federal Loan Modification Program.

The most recent loan modification program was offered by the Federal Housing Finance Agency (FHFA), regulator over Fannie Mae and Freddie Mac This program mortgage loan modification applies to any loan used by Fannie Mae or Freddie Mac

If you are having difficulties in paying your house and you look for a modificavion your mortgage, contact your lender as much as possible then. Be patient and prepare for a long battle but do not stay without doing anything because it would be at risk of losing your home.

In this book you can find all the answers to your questions about loan modifications:

loan modification

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Change in days and hours of training. OLD FENCING

From now on, the training will have the following schedule:

Monday: Free Assault, biomechanics and transport.
Hours: 18 to 20.
Venue: Sports Centre Jorge Juan.

Thursday: Sword Hand and a half.
Hours: 19 to 21.
Location: gymnastics, flag of IES Leonardo Da Vinci.


Since January, we'll get one Saturday a month Almansa. The rest of Saturday, we will train in Albacete, in a yet to be determined.
Saturday: Rapier.
Hours: 11 to 13.
Venue: Sports Centre in Almansa.

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FOLLIES ... And Death Shall Have No Dominion

FOLLIES... 

And Death Shall Have No Dominion

So Long for Now

"I travel to learn my geography," he wrote crazy,
century earlier, in the walls of a French asylum. Suicide

copies. Enrique Vila-Matas.


Go therefore homeless, without respite,
wrong, disastrous and bloody
along the cliffs and beaches under the eye
closed havens

(...) And that defeat us has made us, oh, survive,
bruised foot, bleary-eyed, heavy head,
bleeding, weak, dishonored, tired, we
, stifling a groan painfully dull. Paul Verlaine

"A fool is not only the current ideas of a man but rather locked in a head. The world does not pass through your head and it's over, "wrote Louis-Ferdinand Céline Bardamu Ferdinand, his alter ego after their first few days of struggle in an insane asylum where he had found refuge and where skirted the tops of madness, a total institution rather than the detailed Erving Goffman. The director lamented the new winds of psychiatry: the need to be imposed on the pretext rave heal better. "None of us then tried to be as crazy as the client. A force to be more clever, more morbid, more wicked than the persecuted more disturbed in our mental hospitals, to wallow in a kind of new pride in all the insanity muddy that we have, where do we go? At this rate, what is going to be common sense? Nothing! It is expected! Absolutely nothing! I can predict it ... Obviously. Advertise with us our insanity, "predicted Baryton. He tormented the masquerade of healing, s promises electrified ads tomfoolery and renovated and costly acquisition of instruments of torture with which he won the competition field. So, unlike the remote hospital in Bethlehem, and was not charged entry to the curious who wanted to watch Sunday's upset, those who survived the isolation and darkness, emetics, purgatives and torture. By paying a penny ordinary citizens were whipped with rods, to appease the frustrations. Before leprosaria many, accused of being owned, were burned in the hog utside. Baryton, in contrast, drew a walk in the countryside, a real sign of progress, as they jumped to a nurse. He knew about modern: his study on the effects of film, in children who filled her eyes stunned images, attested. The echo of the seduction of language would be the next stop: a mental hospital to psychiatric hospital, multidisciplinary work, the crazy reckless; of asylum residence in prison to prison, a psychiatrist to coach, to pimp a hyperactive, from old to seniors age of disabled to disabled, people with disabilities; of party politics to democracy, to surrender to transition a chance of failure, of treason to the confusion. No wonder it went away, no longer knew where he stood. The vocabulary became sterile to protect and soften the same harsh reality. Infinite number of tricks were forced to decide, or be aroused in the hospital, those already horny the future. Some pencil writing micrograms, see Robert Walser, who spent the last twenty-eight years of his life sheltered in two mental hospitals. "I wanted to be forgotten," said Carl Seelig. The others had abandoned themselves once disillusioned of their leaden steps away from the tributaries of a life either. The more go, the more they move away. Had precipitated the blurring of the Nouveau Roman by freeze time and take more time than necessary in futility: no trace of authorship, fiction or reality. None of this was to them. Heroes requiring cities and repudiated the many fools who added a paladin. Nobody paid any attention to Baudelaire: "The real hero is someone who enjoys alone." The people as cannon fodder, undaunted claiming their place in the slaughterhouse. Are more stubborn fools who get things relocate, those who enjoy the pleasures that only the insane have been found and can savor. Dukes who persist in their insanity to become wise and nothing else. In contrast, others who tried to bring light ended up hanging from a lamppost. "We are all born mad. Some remain so forever, "said the poet William Blake. Before the load was transferred lunatic families, and when the prison to lock did not cause any sign of embarrassment, mental hospitals were out of town, in some distant hill to the cliff as the only way, or carelessness of nurses, which took Jorge Cuesta. "I could not feel," grieved.

"I can ask why you need this assistance are forcing me to accept? Obviously I speak well, think well, I'm fine and you are ruining me, "laments Vladimir, an inmate apparently sane. In prison shouted that coffee was poisoned and now wants to return there with his silences, waiting to be placed in freedom. R entangled in the evil as emed negligence and stupidity of the quacks who gorge on pills ("medicine for the mind"), suffocated in his banishment of reason and oppressed by the screams that dance in hallways at all hours (I left with hundreds of them, all they do is scream "), his forces are depleted and it is increasingly about the vacuum Nietzschean stares back. Healing formulas of the institution, as happens to Olivia de Havilland in The Snake Pit (1948), further exacerbate their problems and become a slave. Or worse yet, Peter Breck in hock Corridor S the combative Samuel Fuller. "If you send to prison come back here tomorrow or maybe tonight. I swear to God. Because you will see and know that something is wrong. If you do not believe, I let spit my face, you know, "he reasons the authority. "Why would I do that?", He is surprised the alleged schizophrenic. "Because if I say something that is not true or unjustifiable, should be punished," replies the prude of the physician to tinkle. Nothing grows in the shade of power. Medical Examination was irrefutable. "A test that asked me how many times I go to the bathroom, if you believe in God ... ie, that most ridiculous thing! I could never go to the bathroom, or you could go to the bathroom, or could believe in God or may not do so is not a medical issue. Do you love your mother? Do you love your father? "Recalls Vladimir. "How to relate to God in the bathroom!" Protests the meapilas the doctor after your sunglasses. If you talk to God, prayer . If God speaks, it's schizophrenia. And if you serve God you are a man full a visa to fuck without discomfort. The psychiatrist, who keeps the patient in his role pariah, not again the authority of drinking: mocks not disclosed to pretend certain rigor, as it is embraced by the community biempensante, which writes the manuals and legislates ncia agreement. The ideas of those who reign. Later, Vladimir, together with all the specialists, who have been absent this time the evil Dr. Benway, accused: "The medication they gave me my temple ta bad I hurt. In fact, I specifically damaged the chest. If an left me here means you want to be damaged. I hurt! What I say, that hurt me! ". The council of elders would like to thank, you are fired, and concludes: "He looked much more catatonic and depressed before, as sometimes occurs with depression antidepressants is removed and re racking paranoia, and maybe we should give larger amounts of tranquilizers to ease this. It does not seem very prepared to return to prison. It is a perfect pattern of paranoia: if you admit your basic premise, the rest is logical ... but the basic premise is not true. In fact you are terrified to leave. And the higher screams about returning there, indicates that you are more scared. It is known as Ganzer syndrome. " Diagnosis of monologue Power: schizophrenic reaction, chronic undifferentiated type with prominent paranoid features. Suicide is generally difficult when you're not crazy at all and you've already killed countless times. In La moindre des choses (1996) A patient give advice to the director Nicolas Philibert: "Do not you ever talk to your health to a doctor because they can enslave." Vladimir, like Prometheus, he had been chained to a gigantic rock, which was not life or anything.

abhor the brutality, "he said. It is not effective. Besides, prolonged mistreatment, short of physical violence, causing, if properly implemented, special anguish and guilt. They should be well aware of a few rules or rather, ideas guidelines. The subject must not realize that abuse is a deliberate attack on their identity by an anti-human enemy. Should feel they received any treatment it is well deserved because there is something (never specified) horribly in him that makes him guilty. Control addicts need to meet your need naked with decency arbitrary and intricate bureaucracy, so that the subject can not establish direct contact with the enemy. Dr. Benway

Naked Lunch. William Burroughs.

Inside or outside the cage? What board Stultífera Na vis s in hand at the helm? "Balance is a narrow ribbon. Depression is a Russian doll and the seventh doll is a knife, a razor blade, a poison, a deep and a leap, "presaged Stig Dagerman. Blurred the boundary aprichosa c one another, knowing how little it takes to switch sides (a caress or a garbage contract), so that all conspire against you and that a majority guard vent to his hatred how mobile are the criteria for the l it occur, the pretexts, the origin of the negative impulse, how easy it is to be arrested one morning without having done "nothing wrong" as Josef K, or be an innocent man convicted in a newspaper and forced to defend, Hitchcockian motif; never knowing for sure which country you are, knowing it or ignoring it, Frederick Wiseman entered the Bridgewater State Hospital in Massachusetts, to roll Titicut Follies (1967). He was banned for 25 years. The reason: it showed the inhumane treatment of the institution (psychiatrists, guards and social workers) with their patients. The pretext: violated the right to privacy of patients which in turn limits the right to information. It was the first time in the history of American film industry that a film was censored for other reasons to the usual: obscenity, immorality and national security. Are they entitled to privacy even when they have been deprived of it and are humiliated? The same right to privacy (a mute) who defended the Nazis in Auschwitz. Wiseman captures the madness pornography and reveals the true nature of man (which tear to the writer include removable crutch of the human condition, but I have no fault of their indiscriminate use and free), one that emerges to surface when power will spread and flattened creatures around him and condemned socially. It is the impossibility of humane treatment and mild blunt differences where the vestiges of madness.

is a born provocateur accused him. Dance without a partner's gone down the hall from the center to the rhythm of the waltz of dementia, without the mask of the Red Death. "I'm trying to make a movie. A movie has to Have dramatic sequence and structure. I Do not Have to specify very definition What about drama but I'm establishi That gambling'm going to get dramatic episodes. Otherwise, it Becomes Andy Warhol's movie on the Empire State Building. So, yes, I am looking for drama, Though Not Necessarily I'm looking for Each Other people beating up, shooting Each Other. There's a lot of drama in ordinary experiences ", says cult director Gerald Peary. A transparent work so scared, not the springboard of a bed scene. The truth 24 frames of Godard are inadequate and derisory. Only cause us to deny the truth when we forget, the rest is fun and jokes to have something to say. Eschatology is the hook of the back, the old fogies pensioners Ronda Sant Antoni and self-centeredness of the agendas. There are some kids that drive her mother home and imprison in a residence. A universal right, like housing, become thirsty for burial in a supine delay before your children will diagnose a disorder, the decline of his party, his life. Do not stop to repeat that will be better served, to swallow with pleasure that the woman in a white coat can do more to turn off the light, that the doctor has read the report of his mother, stooped posture, and will never again be straight or is it spine-runoff is a result of chance. The mysterious wounds, the shutter down to five in the afternoon in that coffin you call room and nervousness that reflect the bewildered faces of the caregivers when receiving visitors. And the bitch indifference (circumlocution of a brutal insensitivity) and disgust they call "attention" whore indifference and disgust felt by a sadistic society that has been retained to monitor incontinence porridge and others. I visit every day, they said, and the days were weeks, months and finally on Christmas Day. She is not sticking between babbling exchanged. You can not do anything, is a vegetable and we do not, what are you? It is pure provocation, yes ... "Richard Avedon stirs when there is a dip, taking snapshots in a mental institution in 1963 and soon his gift of ubiquity it towed to their models of Harper's Bazaar? I could not do anything . A civilized society, that is, who has perfected the barbarity and expresses its desire to sleep with wide blade. Everything has an explanation, in science, in the beating he gave one without knowing why. We owe both health and progress Josef Mengele criminals. What is a patient but to make someone feel sane? What these jailers become Titicut Follies when crossing the exit and return to their homes, bars and brothels? The Sleep of Reason Produces Monsters, Goya is the motto. No unnecessary suffering for the institution. Dr. James Gilligan, who was hired by Martin Scorsese as a consultant for filming Shutter Island, was the director of Bridgewater in the late seventies when he was commissioned to do cleaning. "The cells seemed medieval dungeons. The patients were chained to walls, surrounded by feces. The zoo animals live in better conditions. In Bridgewater, I witnessed many changes, experiments and conflicts in the film, "said Gilligan.

Wiseman was the first surprise of the freedoms granted by permission of no flushing of the guardians of dementia: "It amazed That They let me in to shoot me in the first place There. " The mandarins of the institution gave wings to a tax collection effort entailed in a complaint, or vice versa, who knows. "They Knew That WAS Bridgewater Like That, in Part Because of the Absence of money to Attract Competent and train guards, Psychiatrists and Social Workers. That Was one of the points, "Wiseman said in an interview Viceland. Bridgewater Sensitivity in prison then was that health although only 15% of inmates were convicted. Behind its walls lived insane, drunks, drug addicts, criminals and rapists with some delay, along with a personal underpaid and overwhelmed unskilled labor. However, when Wiseman documentary concluded the bigwigs had risen. One of them was attorney general of Massachusetts and the crudeness of the images as a brake on the accumulation of power. Elliot Richardson, who had given the go ahead to shoot and lamented the lack of money when in charge of supervising institutions (mental hospitals, prisons, etc) was the person chosen by Republican Governor John Volpe in the tight 1964 election to be, if it was re-elected as governor and his assistant responsible for the areas of health, education and social services. A worker Minnesota, which had not even seen the film, just read one review, sent a letter to Volpe outraged: "How Could You Be to allow a movie made That shows naked men?". Moral crusades have always reflected the fear of difference and complex, this inability to self-acceptance. It did not matter that the humiliation a nipple exposed. "Volpe, NOT HAVING Heard of the movie Before this letter, felt His Political Career That WAS going to Be jeopardized by the movie," said Wiseman. Titicut Follies bogged down then and judgments happened years and years with a Pyrrhic victory: the executive arm of the law decided that the film had some interest and could be seen, but only for doctors, lawyers, judges, social workers and students. Limited and specialized audience that excluded the public and sank the denunciation in hiding in an era without the Internet. The judge had described the documentary as "a nightmare of ghoulish Obscenities" and came to order their destruction. Then, and now cleared of the charges, the siege was opened a little, public television, schools and some independent festival.


Beyond del candor de la omisión de firmas, la postura d e W isema n es irreproc hable: “My position was that Bridgewater was a public institution, supported by taxpayer's money. Public institutions in a democracy are meant t o be transparent, open to public inspection. One aspect of public inspection is documentary filmmaking. In the year the film was made, there were also 10,000 visitors to Bridgewater who as part of their tour saw some of the same men naked in their cells. In a democracy the government is not supposed to hide information from the citizens except in cases involving national security. How can citizens do anything about the State STI Abusing power if the Citizens Are not allowed to know What is going on and make an effort ", If They so wish, to change the Conditions? The Various Scandals at Abu Gharib Are a current example of the public's Need to Know and Receive information from photographs. If the State is responsible for keeping genes in the mental Conditions Shown at Bridgewater, the citizenry Have to Have the right to hold the State accountable. This Can Only Happen if the public is reporting. " When the American public television (PBS) released the film in 1992, showed Titicut Follies past atrocities, and the past, well knew the judges, not spurs anyone to get up and go to step on heads: the past is a anchored ship. It was a complaint that had been misplaced and when, later, found at the bottom of the file and had been dismissed in their processing capacity, not subversion. May not fulfill its mission with the strength required the horror - the aborted-but would be a mistake to close the case because the documentary does not talk of institutions that may limit a map and a time, or people with names. Why was it easier to go to Russia and shoot, like Albert Maysles, the documentary short and ridiculous Psychiatry in Russia (1955)? The latter, that fortunately has been forgotten, was issued in 1956 on the Dave Garroway program in NBC. Nobody cared who did not have the permissions for each patient.

The few to whom it is given like these pleasures experienced something close to madness, they say things inconsistent and diverse human custom, talking nonsense and face suddenly changed, as soon as they are happy and sad; cry, laugh or sob, and, finally, are truly out of themselves. Then, when he regained consciousness, do not know if they were inside the body or not, or whether they are asleep or awake, or recall rather than through a dream what they have heard, seen, said and done, the only thing you are insurance is that they have been deeply blessed in his ecstasy, for which lament the right to have recovered, so that desire nothing more than to enjoy without interruption of their particular madness. This is a slight degustacioncilla of future happiness.

Praise of Folly. Erasmus of Rotterdam.

"On with the show, with the Jippy-Joppy-jo." The talent show for charity, organized by the inmates themselves, and that names the film opens and closes the same, with some evil and suffocating close-ups legacy of the Universal monsters. A grotesque spectacle, retort Ziegfeld Follies of escapism, in which all excited having fun before returning to their cells singing So Long for Now. "Hearts seem happy and bright life ... I lost the sunshine and roses when I lost you, my little friend. You broke my heart too ... "sings a disturbed young man who could be as beautiful as Chet Baker. In fact, the penultimate sequence, in which a man leaves Bridgewater wrapped in a sheet inside a coffin, is the only way out, a knife full of intentions director very overt. When an alienated wondering where you can work, the guardians laugh. The films show that Wiseman is visceral, and less bourgeois black trials of Witold Gombrowicz's Operetta, with its absurd dialogue recited by equally crazy minds that films Nicolas Philibert in La moindre des choses (1996) where the French director visits the psychiatric La Borde. Philibert finds the owner, the phrase Campanula, while all that and more goes to Wiseman without questioning. "168 pounds and now down to 96, and All Those Known biddlegah. All Interest, Japanese, Japanese, we know the truth, biddlegah, twenty billion dollars, I point out to you I am Jesus Christ and I am Called Borgia. Who is now Kennedy biddlegah Jesus Christ in truth. I say in Mississippi niggers over to this fuckin part of the country. You no good John F. Kennedy. I say you stink, "he recites a catatonic about bloated faithful in Bridgewater. Vietnam, communism, nuclear war, the same rant that rises in Congress with a spark of insight worthy. Already said that only children and madmen spewing truths. In a courtyard that claims its place in the chamber of horrors at the forefront of surrealism and beyond its limits, the alienated wander at your leisure as ghosts, unable to return to reality in unreality anonymous. My Blue Heaven sounds the trombone in the Garden of Madness. A young man goes to the heart pedophile admits abusing escorted and a girl of eleven, and also of his own daughter. A doctor humiliated and sadistically delights him. "Why do you do thi s When You Have A good wife? She Must Not Have Been Giving you much sex satisfaction, "he spits between tics. "How often do you masturbate per day or per week? Have you thought about being a mature woman with big, tall and succulent? Do you prefer big breasts or small? Have you had any homosexual experiences? Did you try to masturbate with other guys? Have you ever felt guilty when you masturbate? "Wiseman's camera does not mitigate his morbidity. What's more, the quack throws shooting glimpses. "I need help, but do not know where I can get," admits the rapist. "You can get it here, suppose," replied the doctor, surely embarrassed the decline of lobotomy and the rise of psychopharmacology. Back in the open, in particular Speaker's Corner at the prison, has formed a circle, and within a man with hat howling, escaping from the shadow of Ginsberg, the faces in suspense that seem to have abandoned and all understanding of language: "America is the world's women of the earth, and this crazy sex. His sexuality brings wars, like the man injects sperm into the woman and women in his own body. Has the same effect, the same influence, but in a huge pattern. The pattern is vile huge. You mean that after having had a sexual relationship you feel healthy? Not so. " Emile Cioran wrote in one of his sleepless nights "Life is a subterfuge of madness and falling on their networks open up a path for his own blood." Nudity

forever young, we salute you We salute
, naked young forever
Hail, nudity nudity
forever young forever young, we salute you.

Operetta. Witold Gombrowicz.

“I’m interested in normal behavior, what pass es for no rmal behavior. I’m in terested in how the institutions reflect the larger cultural hues, so that, in a sense, it’s like tracking the abominable snowman; in the sense that you’re looking for cultural spoors wherever you go. You find traces of them in the institutions. Titicut Follies is a reflection o f some of the values in society. It is. It has to be. The prison Itself Becomes a metaphor for important Some Aspects of American life, "says Wiseman. An elderly naked man is humiliated by their caregivers that hump out of boredom. He repeated over and see z questions, pretend not to listen while he remains bereft of all hostage to a lost war for centuries does not appear in a book. Nothing is deeply ingrained in him that can not be easily torn, especially dignity. Returned to his cell, nothing more than walls, the man wandering from one corner to another like a mouse with one hand while you cover your mouth and kicking the ground. The guards are still warming up. "Keep the room clean, Jim" repeated endlessly. "Do you play the piano Jim? What did you say Jim? "They add. Jim recalls the number of your street, your school, everyone always remember that. He says he was professor of mathematics and arithmetic. Life is still a mystery without a solution for it. "I wanted to show the way He Was Treated This Was Because no way to treat a human being, Obviously, No Matter What I Committed crime. Also, I Did not Understand Why Some Inmates Had To Be Kept naked. The rationale Announced That They Were WAS suicidal. But They Could Have Been Given paper suits. In FACT, for six months after flesh out the film, They Were Given suits paper-until the budget for it ran out. The real reason for the nudity WAS just that it Was Easier to Keep Them That Way. Some of the men Were incontinent, and the guards Did not like the idea of \u200b\u200bHAVING to strip smelly clothes off them ", says indignantly Wiseman, cartographer of the American public institutions and places of transition: institutions, hospitals, air forces, a Port of New England, a platoon of Army infantry training at Fort Knox, a zoo, parliamentary sessions in Iowa, the death throes of the welfare state yankee, intensive care unit, a store, a racecourse, public housing, the meat industry, a juvenile court, a modeling agency, a Benedictine monastery a school for deaf mutes, the resort of Aspen or Central Park. A thorough and sharp institutional geography ( institutio in Latin education) on the dialectics of power, indoctrination and mechanisms for social order. A common feature of these microcosm is the absence of replication and discipline.

Basaglia Franco, the Italian antipsychiatry, stressed: "When people go insane asylum who have no voice, the word, ie the poor, the disinherited. " In the social dimension Matti da slegare enters (1975) filmed in a mental hospital Colorno. The directors of the documentary ideological, Silvano Agosti, Marco Bellocchio, Sandro Petraglia and Stefano Rulli, assigned to the madness social origin, class, the point psychiatrist, formerly a scientist, is essentially a guardian of order and the police or the jailer, "health care" is another tool of repression and segregation, the irrationality of the insane asylum is also present in society, emphasize economic ties with the pharmaceutical business and the great depression. The quartet reads like Michel Foucault (Madness and Civilization ) "Madness can not be found in the wild. The madness does not exist but in a society, it exists outside the forms of sensibility that isolate and repulsive forms that exclude or captured. " The madness in our time has reached the cusp of another social order, the posturita and bravado, the stigmatization of who remembers all, who claims in his campaign Diesel Be Stupid: "If we Did not Have stupid THOUGHTS THOUGHTS'd Have not interesting at all. " Or make someone mad or just your head as a Birdcage. The case were questioned Erasmus of Rotterdam, "How do you prefer to call it, stupidity or madness? It matters little, provided it is recognized that because of my benefits the most unhappy of all animal enjoys such that, not trocaría their fate with that of the kings of Persia. " Basaglia categorical postulates are very present in the neat little reckless and Matti da slegare : "If [the psychiatrist] with the patient agrees to establish a paternalistic, as projected by the new hospital policy, accepts 'engage in it' just as the missionary, who tames the wild so that the colonizer can master it better. If, then, ignoring the sociopolitical aspects of the problem, limit its action to only the health aspect is the technician becomes available to better tailor their science to the oppressed and the oppressor. " The crickets that talk to the camera have been selected and underpin rehabilitation as more than a chimera, but, yes, with an essay unrepresentative. "We are all innocent here. Did not you know? "I would say Andy Dufresne.


At Bridgewater State Hospital there is no room for love between men specialized in howling. It is a film without contacts. No beds, just mattresses on the floor. Some patients come to little steps and half-naked on his back in his dungeons, hugging himself themselves and with the tender smile of who knows defenseless child. They have no possibility of saying anything, or be tucked behind a lie. It is pitiful, painful and irritating. During the function, the kooks do not look at the camera to feel normal, part of that behalf imposed upon them. An excess of care and sensitivity, such as Judy Garland gives him a Reuben in A Child is Waiting (1963) by John Cassavetes, is harmful. When Garland was confronted with Burt Lancaster, the tough head of the school of mentally retarded children, the conversation about Reuben, a young man abandoned by his parents and of near-normal, and advances:

- How many times can send to your room? And send you to bed without recess?
- to serve something. The rules are simple and should ...
- He does not understand ...
- You have to make him understand.
- Why? "Because the discipline is part of life.
- Even for these children?
- Especially for these children. Reuben has lost some of their freedom and perhaps forever. The only remedy you have is to learn the rules and live with others as part of the group.
- Although not want to be part of the group? "Even not being happy here?
- Yes, even then.

A Child is Waiting (1963). John Cassavetes

And if you want to eat, like Titicut Fol lies , is fed by a tube ending unceremoniously s. Voyeur Wiseman was charged with, among many other things, and as such it behaves. Observe without intervening, but not from afar but inconceivably offensive proximity unnoticed for almost everyone, except some insane that includes the camera like a porcelain vase in question. Wiseman lacks little to lock in a cell with anyone. Their presence does not lead to distrust always straightforward, is his greatest achievement. Dance with them in the dining room and dodge the blows. It recreates in chiaroscuro, in the monitoring camera in hand and in the foreground. In its mixture of the poetic imagery, fantasy, drama, surrealism, horror ... original paintings are poetic and mystical restlessness, metaphors of the human soul. Wiseman on occasion his work has been labeled "dream reality." No questions and all tracks are fortuitous. The crimes do not matter, the past either, nor the result of the sale, if any. Without a will, interpretative, albeit questioning, the sequences begin the descent into abandoned and unknown galleries. When Wiseman does the project address stripped goals, with the experience and exposure of the film as a starting point, hoisted sails, no compass at the mercy of the currents. While the shooting lasted ensures that plunged fifteen hours a day in the sordid scene. "I Consider The shooting of the film the research and discover the themes in the editing. I Will Not know the themes or point of view of the film until i am six to eight months Into the editing, That I end up using only three Percent of the material and That All the sequences I use much Shorter Than Are Their original length " he says. Only occasionally take notes during filming ("could be the beginning" or "could be linked to the sequence of such a site ") with no previously documented, and once mounted sequentially instinctively up together" to see what appears "without voice or music extradiegética off. His creative process is pure gonzo , but not its staging.

Although every narrative is inseparable from the act of recording, to breathe, Wiseman rejects the classical construction of a speech that you disengage from the experience. "I like to experience history, not to impose a political point of view," he said. It once lived, and through the impulse of life and not an illusion, which mounts your collage with the memories, listening to the force of the heartbeat of the sequences. "It's like the business of getting rid of the proscenium arch in the theater, and, by analogy at least, is the proscenium arch narration Because It Immediately Separates you from the experience of What You're going to see and hear," he says. Enlisted by theorists in the cinéma vérité or direct cinema, Wiseman is not interested in theory. "Partially in reaction to the concept of cinema verite, I Came up with my own pomposity term Called parody-fiction reality. I do not see how a film Can Be anything but subjective. Documentaries, like theater pieces, novels or poems Are forms of fiction, "said Wiseman. Her fiction reveals a very inconvenient truth, reject the dream of reality, but also assumes responsibilities with the fallacies of objective representation. JG Ballard warned: the fiction is here and the writer's task is to invent the reality. The reality is understood, taken away and sold as a commodity to be consumed as a spectacle when one beholds "his own destruction as an aesthetic pleasure." Narrating is to invent, whether false or true. His works are stories of learning, initiation into the path of Hesse: "My films Are to report on what I've Learned. Someone else looking at the Same Things Differently see Would events. Observational cinema somehow Seems to Suggest That You just turn the camera on and let things happen in front of you, When in fact-all Aspects of movies Are the result of Thousands of choices. The term 'observational cinema' Exclude the interpretation, selection and dramatic structure Inherent in to making a movie. "Fly-on-the-wall" is degrading Another Phrase That is used. As far as I know a fly is Not Being an intelligent sentient . The work of Wiseman, who compares himself to a writer, is also quite similar to the principles of Vertov and the Film -eye: "Sinking within the apparent chaos of life, the Cine-Eye try to find inside of life itself the answer to the subject. Find the resultant of the millions of facts that have a relationship with this item. To ride, to boot, thanks to the camera, what is most characteristic, most useful, organize filmed fragments, torn from life, in order visual rhythm full of meaning, a meaning-laden visual formula, in a summary the "I see." "I am content to remove Called movies have my films, 'says Wiseman, asking that the theory be left alone and enjoy some body experience or friend.

- I know I've played and lost. But I'm ready for anything.
- What was played?
- In my life.
- What have you lost?
- Yes It may be stupid. May mean nothing to you, but for me is everything.

Urgences (1988). Raymond Depardon

"You are never sure filming reality. It's something many and difficult. It always seems that as left him out, "says Raymond Depardon, a the founders of the Gamma agency . French photographer and documentary filmmaker, Wiseman repeated the experience in San Clemente (1982): portrait of a labyrinthine Italian asylum about to be closed. In Urgences (1988), Depardon anchor your camera in the Psychiatric Emergency Service of the Hôtel-Dieu, Paris. The real star of the film are the dialogues descollantes unwritten ranging between despair and wildest comedy: "I myself see the scene again find something laughable, comical, about ourselves. I do not know if someone could invent that. " The disease is a source of inspiration, especially among people with no artistic pretensions. Of wisdom. Urgences In characters come and go, but mentally many are equally held themselves to the insane Titicut Follies. At times patients relative, without them being aware, all the ills and sometimes the pain is so deep that it is impossible to remove. There are those who are ill to explain their illnesses, which seek comfort as the hunter to his prey, and others who only drag more time if someone asks him if they put the belt. "Some go too far. Burst, lose their reason. But they have not lost. Is people. All that we Because the city. The lack of communication. Solitude, "Depardon said in an interview. As a Wisemam he too was surprised by the number of people who agreed to be filmed without hesitation: "They were lost, desperate. I think the operator, the filmmaker, as we call it ... should not speak, has nothing to say. In place. I do not know if it's my rural origins, having been a long time photographer. I do not know, I'm a child of the real. " The distance is conservative and static. Sometimes, if not for some interaction, one could think of a hidden camera. Their presence does not appear to alter or to dramatize the order of things, despite how embarrassing de las escenas. “Hay que tener cierto pudor, pero al mismo tiempo forzarse a veces. Hay una mezcla de las dos cosas. Quedarte en tu sitio y lanzarte a la vez. Y en un momento dado, lo recuerdo... es duro. ¿Qué trabajo hago? No es muy divertido. Y a la vez nunca he sentido vergüenza porque sentía que había que hacerlo, había que hacerlo. Había que avanzar, rodar, seguir. Seguir”, afirma. En la mejor secuencia del documental una mujer se confía a una enfermera cuando a ésta le suena el walkie-talkie y abandona la habitación, sin decir palabra. Depardon mantiene el plano de la puerta cerrada unos instantes antes de encararse con la paciente. Están solos. Se miran. “¿Podré see this movie? Yeah, sure. " "I want to do for others. I like helping people. I do not want to live alone. Apparently I am a daughter of God and still do not know what my mission, "reveals to the camera from your couch. Despite her anguish and having to come back with a mother who does not want to be entered destroys: it has to feed the cat and ensures that no one else can. need the eggs. Another time a doctor says to another patient: "Well, now I will replace the psychiatrist on call." Joseph Conrad was right: "We live as we dream, alone."

Although there are more humane - and more aware of the power of a camera, "the gap is enormous. Feeling more human warmth, especially to a trickle, is not to escape loneliness, despair accentuated at night. Duchamp said that "as we began to pour our thoughts into words and phrases all goes to hell" comes "meant, in an endless spiral. We overflow is a service what they offer, a work which created low-paid insurance, and not all deceived by the crumbs of social security. "We are not always sympathetic to them. We stayed in our corner. But it is true that these people suffer. And it is not known what to do. And many do not know what to do with them. They're gone. It is the task of the psychiatrist. But it seems that psychiatrists have no time. And not interested. Do not listen, I listened better. The only thing is silence. Is the look. Some solidarity. Needless to say or show anything, do not give anything, you have to look, listen. Not judge, "says Depardon. Wiseman, although friendly, do not sell illusions when socializing with the cast of his film: "I Try Not to Convey the impression That We're going to be friends for a Long Period of time Because it's not going to Happen ". In the last minutes of Urgences a man threatening suicide from the roof. Been denied a role, the residence permit and deportation. "Some days ago a fire caused by the same", they say. The tormented souls come and they go well with a glimmer of hope that is soon drowned in the streets. Our need for consolation is insatiable. Reach the end credits and the film is finished, the room was empty. "The film is a spectacle. Like it or not, "laments Depardon. What is not? Like it or not.

'm going to the Darklands
to talk in rhyme with my chaotic

soul as sure as Life Means Nothing
and all Things end in nothing


Darklands . The Jesus and Mary Chain

I would lose his mind on one condition: be sure to be crazy jovial, without problems and obsessions, joking all day.

tops in despair. Emile Cioran