Open Question: Easy Police Departments to join?

Mortgage companies are charging high fees for short term tracking mortgages. Considering the short terms involved, typically two to three years, and the high fees, typically £500 per year, are the financial institutions setting themselves up for legal challenges similar to the bank charges scenario, especially when these fees are added to the mortgage and therefore accrue an additional trance of interest ?

Open Question: How can I get my ex-fiance to refinance?

Ugh, I am so frustrated!! My ex-fiance and I split 2 years ago. We had a home together with both of our names on the loan and title. When we split we agreed not to sell because he was going to live there and refinance within a few months. Well, it then turned into 6 months, a year, and now going on two years.
He has so many excuses as to why he won't do it. His main one is that he will not take anything less than the rate he has now (a good rate due to first time homebuyers and goverment assistance). He makes a very good amount of money where both he and his wife work, but he is just stubborn beyond belief.
We have both married since then and I have been trying since day one to get him to get in gear.
So, basically he has recently told me that he isn't going to do anything anytime soon. I am in so much debt on my own right now that all I can think of is bankruptcy. I've tried for 2 years to get a consolidation loan and all the companies have told me I can't aquire one due to the mortgage partly in my name. I just want to scream!!! Any advice out there?!

Open Question: Easy Police Departments to join?

I want to become a police officer, but my credit sucks right now. I just got foreclosed on. Are there any police departments that don't worry so much about officer's credit rating, or am I screwed for now?

I have held the same job for over 5 years. I have never done illegal drugs. I have no criminal record.

I had great credit for years, I just have fallen on hard financial times. My wife got a sick and couldn't work, plus her mounting medical bills, we couldn't afford our mortgage anymore.

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