41.   Experts also say that if a home equity loan is used to consolidate debts and to eliminate expensive credit card bills, a change in spending behavior is essential.

42.   Equicredit makes home equity loans to customers with tarnished credit records.

43.   FirstPlus said it would adopt a new accounting method to record earnings on its sales of bonds backed by home equity loans.

44.   Financial advisers say people who are having financial problems should use a home equity loan or line of credit only as a last resort.

45.   For consumers, the decline would quickly be translated into lower rates for automobiles, mortgages, and home equity loans.

46.   For some consumers, a home equity loan is a great source of cash to fix up the house or put kids through college.

47.   For example, when the Fed announces a rate cut, a homeowner may decide to take out an equity loan to build a new garage.

48.   Ginsburg also noted that many borrowers seem to be unaware of a basic fact of life regarding home equity loans and lines of credit.

49.   Had the cash-strapped players considered home equity loans?

50.   He said Realtors oppose home equity loans for credit card debt and small business loans.