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Friday, March 29, 2024

Predatory Lending – Tim Miller – “Love, Your Broken Home”

Courtesy of 4closureFraud

TimMillerDotCom

A little while back I listened to an interview on the radio involving predatory lending practices. On one side, they had a family on the verge of being homeless because of these predatory practices. On the other side, they interviewed a twenty something year old lender.



I know there are a lot of borrowers out there who were greedy and got burned because of it. This family, however, was not one of those borrowers.



Essentially, this family trusted the lender and was taken advantage of. The family was persuaded to “lock in” a variable rate loan because of its “favorable” terms. Because of the “favorable” terms, of course, the lender told the family they could borrow much more money than, in reality, the family should have.



The lender prospered by exploiting families like this – actually saying in the interview how he and buddies would fly to Vegas, go to the best clubs, etc. etc.



Not surprisingly, the family’s home was foreclosed after their interest rate reset according to the terms of the loan.



The interview had a profound effect on me and inspired me to write a song about this American tragedy.



I stopped by producer/engineer Chris Bell’s place and we ran it down using his Canon 7D camera.



LOVE, YOUR BROKEN HOME

By: Tim Miller © 2010



VERSE 1:

I’M IN WITH AN AMERICAN WHORE

I LAID DOWN WHEN YOU SAID HEY SIR,

YOU COULD HAVE SO MUCH MORE

GOT ME RIGHT TO THE LINE

A GENTLE NUDGE BEGINS THE FALL

HEY, HOW COME YOU NEVER FELL AT ALL



CHORUS 1:

FOOLISH CHILD, I’M FEELING LIKE A FOOLISH CHILD

HOW YOU PUSHED ME ON, OH THE BULLY HAS A BLINDED PAWN

AND I, I I …

I’M SEEING WHY YOU WERE SO FAST AND LOOSE FOR THE CLOSE

LOVE, YOUR BROKEN HOME



VERSE 2:

HEY SIR SO WISE WITH YOUR BIG DEGREE

I HEAR YOU’RE OUT THERE LIVING LARGE IN SOME VELVET ROPE RED CARPET SCENE

WELL I HOPE YOU ARE HAVING A VERY NICE TIME YOU LITTLE SHIT

THEY LOCKED US OUT OF OUR HOUSE WE CAN’T GET IN



CHORUS 2:

FOOLISH CHILD, I’M FEELING LIKE A FOOLISH CHILD

WHERE HAVE YOU GONE, OH THE PAPER MAN WON’T LEAVE US ALONE

AND I, I I …

I’M HERE WITH MY FAMILY WE’RE BARELY AFLOAT

LOVE YOUR BROKEN HOME



BRIDGE:

I GUESS I MISREAD YOUR ROLE

PLEASE LET ME KNOW HOW I SHOULD TELL MY WIFE AND KIDS

IT’S TIME TO GO



CHORUS 3:

FOOLISH CHILD, I’M FEELING LIKE A FOOLISH CHILD

WE’RE ALL ALONE

HEY MISTER IT’S YOUR FAMILY OF PAWNS

AND I, I I …

I AM NOT SURE WHERE YOU THOUGHT WE COULD GO

MY KIDS ARE TRYING TO OPEN UP THEIR FRONT DOOR

HEY FUCK YOU FOR IGNORING MY CALLS

LOVE, YOUR BROKEN HOME

~

4closureFraud.org

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