Post #15276 by albaby1 on the US Policy board

If someone appears to be repeatedly personal, lean towards patience as they might not mean offense. If you are sure, however, then do not deepen the problem by being negative; instead, simply place them on ignore by clicking the unhappy yellow face to the right of their name.

- Manlobbi

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I'm not quite sure you can have a crime without any actual harm, but in New York they've found a law and a willing prosecutor, so away we go.

If you're referring to the recent proceeding, it wasn't a criminal trial. It was civil fraud.

Second, there was actual harm. If you fraudulently deceive a lender about the value of your collateral, you can receive a lower interest rate than if you were truthful. Even if you don't default, the lender is harmed because you misled them into giving you an interest rate that didn't accurately reflect the risk that the lender was running. The fact that you didn't default on the loan doesn't mean they weren't harmed by your fraud.

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