You have people with a great interest rate, thinking they will "somehow" figure out their problem, when there are only a few solutions and of those, they have to have sufficient income and an "acceptable" (either to the bank or to the bankruptcy court) excuse for getting behind.

Your property must be pretty bad to get these complaints in the first place & ignorance is no excuse.  

In the past month, I've had:- a borrower say that they have the cash for the downpayment, only for the sourcing on that downpayment to show that they didnt have it and that they planned to take a credit card advance- a borrower refuse to provide a copy of a bank statement until after going under contract (without being preapproved), only for it to show the funds in the account were borrowered, at which time the borrower says "this is why I didnt want to have to give you this"- a borrower claim that they were divorced when they werent actually divorced yet; they were "basically divorced" according to the borrower- a borrower tell me that there was some "slight confusion" with their previous lender on a payment, when the reality was that they were 60+ delinquent due to having no cash- a borrower claim they have "about a 700 score" for their FICO, when the reality is sub 600 due to mortgage lates and credit card chargeoffsTOP TEN EXCUSES (I’VE RECEIVED) FOR NOT MAKING MORTGAGE PAYMENT10.

This is not to excuse smokers who do this (or anyone regarding any agreement for that matter).

This is something that lenders and agents that have no idea what they're doing love to spread as an excuse to why they don't sit down and learn it. 

Perhaps take the time to look into more creative solutions while I further build the finances, my personal largest fear is always waiting for a green light and never actually moving, but that isn't an excuse for recklessness. 

I just don’t want to wait on my money and a bunch of excuses for rent not paid. 

The more structure you put in place, the less room there is for delays and excuses.

No excuses but we will be making payment tomorrow.

If your painter doesn’t show up, that’s not an excuse—it’s your responsibility to bring in another painter, even if he costs more, or grab a brush yourself.