Confessions of Guilt are an interesting concept and maybe they shouldn't be thrown out by NYS entirely, but signing one when there isn't guilt (especially in advance of the loan) is a horrible practice.
Perhaps Confessions of Guilt should have an expiration date like that it must be filed within 7 days of being signed or it's invalid.
Perhaps Confessions of Guilt should have an expiration date like that it must be filed within 7 days of being signed or it's invalid.