"It depends on the type of borrower and their background," says U Mya, a rice farmer and fisherman who started lending on the side eight years ago.
That is precisely the type of borrower who will benefit from the Mortgage Forgiveness Debt Relief Act, said Diane Gray, the director of counseling and education at Novadebt, a nonprofit debt counseling group based in Freehold, N.J.
In short, investors are dealing with a new set of complex securities, based on loans to a new type of borrower, where the loan terms and conditions may not be clear and at a time when house prices are falling nationally for the first time in living memory.
You can lend anything to this type of borrower.
Other types of borrowers have been erroneously evicted, too.
Those numbers raise questions about which types of borrowers are receiving which types of aid.
Banks, they say, sometimes fail to reach certain types of borrowers.
Very similar letters had been sent, both banks said, to two very different types of borrowers.
They are, increasingly, arbiters of which types of borrowers get credit.
Meanwhile the trouble is spreading across all types of borrowers, as even the most creditworthy show increasing weakness.
The S.B.A. tracks its lending across different types of loans as well as to different types of borrowers, and most of these groups showed some increase over 2010.
