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Houston is the fourth-biggest city in the United States of America and the biggest metropolis in the state of Texas. As of the 2008 U.S. Census estimate, the city had inhabitants of 2.3 million within an area of 600 square miles (1,600 km2). Houston is the seat of Harris County and the trade and industry center of the Houston–Sugar Land–Baytown metropolitan area—the sixth-largest metropolitan area in the U.S. with a population of 5.9 million.

The global financial recession has put many people out of work and an even greater number of people in financial trouble. One of the main reasons for this happening was the unethical business practices of the bankers in power, those who are responsible for loans and those who make the laws which determine how loans work. Loans with absurd fees and interest rates have ensured they cannot probably be paid back, and this has meant an increasing number of bad debt and toxic assets have come about. You might need some debt relief if you have come under such a problem, and while a lawyer can offer you some level of assistance, it is better to recognize the way the loans work first before committing yourself to something you may not be able to pay.

Rated as a beta world city, Houston’s economy has a wide industrial base in the energy, manufacturing, aeronautics, transportation, and health care sectors and is an important center for building oilfield equipment; only New York City is home to more Fortune 500 headquarters in the city limits. The Port of Houston ranks first in the United States in international waterborne tonnage handled and second in total cargo tonnage handled. The city has a number of inhabitants from a variety of ethnic and religious backgrounds and a large and growing international community.

With the current Obama administration under so much pressure, and with rich bankers such as Timothy Geithner in high ranking positions of Government, it is hard to see how the needed action will ever take place. It is only through grassroots efforts of the individual consumers who are affected by these sorts of unethical practices that positive steps can start to be made, and we can all gain from loans that are safe, practical and effective.

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