Not sure what I am wrong about?

I still think you misunderstand my intent and meaning.

First of all I always enjoy your thoughtful posts on here and look forward to reading them. I was not meaning to talk about YOU in particular. I have never been divorced so I have no experience in that area so I won't go there.
I never meant to imply that YOU did not pay your bills.

What I mean to say and seem to be very bad at it is.

Before all of this that has happened to you and others, choices were made that set you on this path. You did what lots of people did and it came back to bite you. Not saying it was your fault, it's just what people have been taught to do.

I have never got myself into this position because it just did not feel right. I would decide between baloney and bread or just bread. I made a decision to only buy what I could pay for so when it got bad, really bad, I lost nothing.

This is not how it happened for you.

I don't think the government will stop this from happening.
With all the fraud in this government, we are going to put them in charge of stopping it, REALLY!

When it comes to illegally foreclosed homes, I am sorry for those people but more than half of them should have never been given a loan in the first place.
Again, the government forced these types of loans and now we need them to protect us????

I want to repeat, please don't take this as a personal attack on you, although I think you already have.
It was more a statement of were I think we are today and some people have protected themselves against these problems and some have not.

I need to add that bad things happen to good people but that does not mean that we ne a new agency to protect us from everything. Sometimes s#*T happens.