<prompt> Human: How do I make sure Im not a victim the next time something like that comes around?Current Stats:28singleno kids44K in income1800 in savings10K in debt auto and student loans11K in 401KThanks in advance  <response>: If somebody offers you a deal that is too good to be true, make sure that when things go south, youre not the one wholl be fucked. People discount future catastrophes, so getting terms that protect you when the next bubble bursts is very cheap. The mortgage holders in the movie, for example, were able to just walk away from the debts by surrendering the collateral, without having to go through bankruptcy to discharge any surviving liability thats crazy, considering that the houses were and on average still are greatly overvalued. 