In recent months, I have noticed that more Hmong and Lao houses owners
in Milwaukee, WI and St. Paul, MN are missing payments, puttting their
houses up for sale to avoid losing them to foreclosure.

My Lao and Hmong friends, Paseuth and Nao Phia just lost their house
last month. It is sad and I felt guilty that I could not help them
except letting them stayed in my house for couple of days unit they
could move into a rental house in the bad neighborhood.

Another very sad thing is that their wives are filing for divorce and
blamming them for not be able to support the family.

And this is not just the end of the story for I am here today in
Sacramento, CA to visit my relatives and friends. I have learned
that many of the Hmong and Lao in California also have faced the same
problems of foreclosure and family problems due to social-economic
pressure.

Many Hmong financial and real estates business also have been impacted
by this economic-crisis. Some had been closed and the number of their
advertise in the two Hmong radio stations in Freshno and one in
Sacramento have been downed for the last three months compared to two
years ago.

On Sep 7, 1:13 pm, yajy...@gmail.com wrote:

On Sep 7, 1:13 pm, yajy...@gmail.com wrote:

yajy-- foreclosure yog ib qhov teeb meem rau peb coob tus tsis yog
hmoob xwb, americans are included. kuv muaj coob tus kwv tij phooj
ywg hmoob ua hauj lwm tau nyiaj ib yam li yus xwb. tej tus tseem tau
nyiaj tsawg tshaj yus, tab sis lawv mus yuav tej tsev txog 300, 400
tawm tshiab ces tam sim no them tsis taus lawm. ho muaj ib co ces
yeej yuav lub tsev li 100, 200 tawm tshiab xwb, tab sis lawv muab
refianced 2, 3 zaug kom tau cash back. tom qab ntawm ces lub tsev nce
nqi ntau ntxiv rau lawm ces tam sis no them tsis tau lawm thiab. co
no ces tam sim no rov mus nyob tsev xoj nrog khej dub lawm xwb.

today there are some government programs out there that might be able
to help, but only for a temporary. so here are some of the best way to
avoid foreclosure.
1. nas kos yuav tsum tau ntshuas nas kos...

It's unfortunate that BAD things happen to GOOD people. When it comes
to economic problem, it's not just a lao or hmong's problem, it's a
NATIONAL's problem. People from all walks of life face the same issue
of "foreclosure", even big, powerful, rich, famous people face
foreclosure in time of economic hardship. Nonetheless, life goes on
and new energy, opportunities will spring from the bad times and life
is reborn all over again.

To answer your question how to avoid foreclosure? MY ADVICE, DON'T
LIVE BEYOND YOUR MEAN AND YOU'LL BE FIND.

jim

On Sep 7, 1:13 pm, yajy...@gmail.com wrote:

Yaajyuam,

Thanks for sharing.

Nyob tim peb nuav los yeej muaj cov kws muab puab cov tsev coj moog
qev nyaj lug siv taag ces tso pov tseg coob kawg hab mas. Tawm sis
feem coob kuj los tseem o.k. hab ov...

The best way to avoid foreclosure ces yog le Kwvtij has xwb les es..
Naag kus yuav tsum tau ntsuag naag kus le kaugnav kaws xyoob mas
kaugnav txhaj tsi luv xwb.

MS

some Moob/Hmong said they smart they eat american brain, they went to
the bank and take all equity of there house and then declare bankrazy,
like many of you said, now is the time of big wave, it good time to
roll log, I too have relative who roll log and let bank cry for it can
not sale his house but he happy and happy after taking many dollar
from bank free money left to live in a rental unit, before, bank eat
his brain but now he eats bank brain back, some people don't really go
bankrazy but just wanting to have free cash only.

On Sep 7, 1:13 pm, yajy...@gmail.com wrote:

On Sep 8, 6:37 pm, Moobsib gmail.com> wrote:

The thought that the house in Detroit area is very cheap. My old
friend Bla Ya Kue told me ten years ago that he cashed his house while
I visited him. Most of the Hmong who live near dowtown also had
burned their mortgage according to him.

On Sep 9, 10:36 pm, Thornsp...@yahoo.com wrote:

Yaajyuam,

What do you mean by "burning their mortgage"? How do they burn them?

Peb le mas peb yuav thaus tug nqe poob qegx lawd. Thaus tug nqe nce
sab txaus hab taab tom muaj neeg yuav ces peb muab muag huv si lawm.

Yeej muaj leej puav yuav tau lub caij nqe tsev nce sab heev lawd hab
mas. Yog vim le hov ces qee leej txhaj le muab tso pov tseg.

Lub caij nuav taab tom zoo nqe heev vim tas tej tsev kws luas muag
150k poob lug ua 50-60k tej ntawd lawm xwb. It still continue to go
down.

MS