Broken Promises, Broken Dreams

Editor’s Comment: This story is all too common. But it is complete too, which is why I am publishing it. Practically every line is contains material for bank liability. Nobody wants to say it: the banks were wrong when they pretended to issue mortgages with the money of pensioners and retirement accounts, they were wrong when they traded on the loans as if they were their own, and they were wrong for dumping the losses on investors and homeowners.

By Andrea Egizi, newjunkiepost.com

For millions of Americans, owning a home is the grandest symbol of accomplishment into the illusion of the “American Dream”. In the United states, we have been indoctrinated to believe being a homeowner signifies success, financial stability and responsibility.

My former husband and I had been renters a few years before the thought ever crossed our minds to look into the prospect of home-ownership. Mostly out of curiosity, we decided to meet with a mortgage lender to see what qualifications (if any) we had and see what the whole lending process entailed.

We set up an appointment with a small local mortgage lender who was sly and charming and offered us a loan right off the bat; seeing that we were both employed and our credit checks came up with decent scores.

We were so disillusioned and eager to have a home of our own for ourselves and our two small children that we short-shortsightedly signed onto a mortgage that was affordable, but still a heavy financial burden. Not convinced by the lender to take on a sub-prime 80/20 loan, interest only or a no-doc loan; (as was originally presented when we first applied and has been the main focus on the burst of the ensuing housing bubble) a conventional Fanny Mae/Freddie Mac loan was readily available with 0 percent down. We completed all the paperwork and the transaction took place in June of 2008, only a few months before the begging of the housing market crash.

Not even a month had passed since we moved in when we received notification via mail from our local mortgage lender that the loan was being sold to a different company called Franklin American. Shortly after that, we received another notice that our mortgage was being sold yet again to Countrywide Financial, which subsequently was bought out by Bank Of America a very short time later. Then the city In New Jersey we moved to sent a letter stating there will be new a tax assessment of all the homes in the area. The result of the new appraisal blindsided us: our home was devalued by 65,000. We were now considered an underwater loan by 124 percent.

Our marriage fell apart soon after for mostly personal reasons (the recession played a major role as well) and the balance of the loan was placed solely on my shoulders. I was relieved to hear that President Obama had signed a new bill to help homeowners like me called the “Making Homes Affordable Program” a.k.a. HAMP, and that it was geared specifically to help struggling underwater homeowners stay in their homes by coming to an agreement on a loan reduction between the lending bank and the homeowner. Seeing as my hours at work were reduced due to economic downturn, and I had lost an entire half of our family income due to impending divorce, I considered this program as a godsend.

I had wasted no time in researching all the details and according to the guidelines, not only did I match all the criteria, but I seemed to be the perfect candidate for it. It was a relief I would be able to keep the roof over my children’s head, eliminating the ongoing fear of escalating debt and homelessness.

First came the initial phone call; which included a very emotional breakdown between myself and the Bank Of America customer service representative. The call delved into my personal life so deeply; I had to start from the beginning and explain to her every detail of my finances and my failed marriage. The customer representative was very understanding and helpful and guided me through the process of applying to the program and the paperwork to fill out arrived within a few days.

I had to provide the Bank Of America with a complete financial summary (calculated by an outside non-profit company Money Management International) in such vivid detail; even down to how much I spent a month to feed my dog, fill my car with gas, and clothe my children. Next was the tax returns, copies of my paychecks and partial-unemployment checks, and finally the “hardship letter” that was advised to me to be a hand-written letter explaining the financial burden that I had fallen into. The good news was, Bank of America agreed to let me pay $400 less a month while they reviewed my application thus relieving my finances to allow me to stay afloat.

All the tasks that were asked of me were completed and faxed over in a timely manner. Nine months plus went by, every payment made on time and in full at the reduced price, and no word on my application. I routinely called Bank of America to check up on my status, but all they ever told me was that they are very glad I am showing interest in my modification and that they would note on my file that I am an active participant in my case. A few times they requested duplicate papers that I had already sent in, but just as a precaution asked for them again and I had it faxed to them the next day if not sooner.

The response letter from Bank Of America arrived like a package and I even had to sign for it. I read each word slow and clear, careful not to misinterpret, and then I saw it, shocked like a confident student who just failed an exam: DENIED. The letter stated that I was denied entry in to program due to incomplete paperwork on my side and I had to now pay back all the money they were gracing me for the past nine months, equivalent to about $4,000.

I immediately made a phone call and asked every question I could to see exactly why I was denied. I demanded to speak with the supervisor and when I finally reached him (after about an hour) he kept repeating that they did not receive the necessary paperwork from me. I frantically debated him over this matter and the only result of the conversation was me filing for an appeal. I asked if I could pay the reduced price during the appeals process and he advised me that that was not an option. He also explained to me that if I did not pay back the graced $4,000, they would report to the credit companies that I am behind on mortgage payments and unless remedied, foreclosure proceedings would begin.

The word echoed in my head over and over… foreclosure. Foreclosure meant my kids would be without a home. Foreclosure meant I would have ruined credit. Foreclosure meant I would have to start all over again. Foreclosure meant that I failed.

I started doing heavy research into other homeowner denials by the mega “too big to fail banks”(with the short list of recipients consisting of Bank Of America, Wells Fargo, Citigroup, and J.P. Morgan Chase) and TARP (Troubles Assets Relief Program).

TARP is the program signed in by President Obama in 2008 that gave $700 billion to the leading mortgage lending banks with the most loans in default. According to the president, only “responsible borrowers” should be allowed to receive HAMP modifications which excludes owners of multiple and muti-million dollar homes and extreme debt-ridden families. The government then gave the banks the power of the final decisions of who, in fact, will receive a modification on their loan with government funded cash via taxpayers.

The biggest problem with TARP was indeed the fact that the greedy mega-banks were in charge of helping homeowners and were left unregulated to do so. The result of such careless oversight was that as of May 2012, 4.3 million people had applied for aid, but only one million had received any help from government sponsored program such as HAMP. Also, it is reported that over four million families have lost their homes to foreclosure since the beginning of 2007 to now; with the hardest hit areas being Nevada (Las Vegas being the leader with 1 in 9 homes in foreclosure and Reno with 1 in 16), Florida (with eleven major cities in the top 25 worst cities to be hit with foreclosure), California (eight major cities listed in the top 25), Arizona and Idaho.

Whistle blower complaints have been filed over Bank Of America stating that “The bank and its agents routinely pretended to have lost homeowners’ documents, failed to credit payments during trial modifications and intentionally misled homeowners about their eligibility for the program”. Many Americans were being denied for the very same reason I was denied. Also, in 2009, Bank of America was caught bullying eligible homeowners of HAMP into their own private and more expensive modification programs, which is a violation of the terms for HAMP.

With all of this data in my back-pocket, I made the decision to not give Bank of America another dime until they accept me into the HAMP program. I waited patiently while my loan went into default and in the meantime the bank sent their photographers out to take shots of my home to see if it was still occupied and maintained. I questioned a man I caught taking photos, and on him was my entire case history. The man was a third party hire, not working directly for Bank of America but for a local construction company. Next were the annoying phone calls that began trying to scare me into making payments that drove me to remove my land-line.

Four months later, Bank of America had results on my appeal: DENIED. The reason this time was that I failed to meet the financial qualifications. Very ironic to be denied entry into a program that was supposed to help struggling homeowners that were hit by economic difficulties.

I made yet another phone call to the bank, this time demanding to know what I can do to stay in my home. Since I am a waitress by trade, they said if I claim more tips on my tax return I could put myself into a higher tax bracket and therefore make the cut off for the program, whether or not I actually made that money. Also, they said I should take on a roommate or offer someone to live in my home and help me pay my mortgage. Fraudulent advice?

Another option they offered was short sale. With this type of transaction, the homeowner must stop making payments and fall behind (this fact did not bother me considering I was already behind in payments). The short sale process can be long, painful and subject to the whim of the bank and the buyers. Many people I have spoken to about short sale told me they were in the selling process, only to be denied for one crazy reason or another right before closing.

The bank also tried to convince me into Deed in Lieu of Foreclosure, meaning I just hand over the house and deed and walk away, but the major problem with that would be, I would still have bad credit and nowhere to live.

I was about to give up, sign on for a short sale or Deed in Lieu and move out, when I stumbled across an article from Zerohedge that led me to a campaign for homeowners that are demanding they see their original mortgage note to prove the bank does/does not hold onto it and therefore may/may not be able to foreclose .

This was something I never heard of before since my war with the bank began, and considering my mortgage was sold three times, I could be a potential victim of fraud. I sent an email to Bank Of America, as provided by the Zerohedge article, demanding to see my note and they did respond in the twenty days they are required by law to do so. I received in response to my inquiry a copy of my mortgage note via mail which was not what I was asking for. I myself have a copy of my mortgage note and I requested to see the original wet-ink note that they should have on their files. I offered to meet a courier within a hundred miles from my home just to prove to me they have it and their answer was that they were not required by law to show me the note, even if I asked for it. I have every right to see my bank note with my signature on it, especially in these circumstances so I sent them another email request to see my note and was denied yet again. This sort of dodging behavior was leading me to believe that Bank of America didn’t have possession of my note and therefore may not have any legal possession of my home.

It was right about this time that I had a final bomb drop: I listened to a report on National Pubic Radio (NPR) that banks can come back and sue short sale/foreclosure victims for the default money owed even many years after the cases are closed if there is a financial asset the bank can sue for. So now not only are Americans facing the nightmare of foreclosure, but we even have to face the fact that they could possibly sue us after-the-fact as well.

So the question I raise is, why are we letting this happen to us and why didn’t the Obama administration do more to help? Many critics have come out to say that the unregulated flow of cash that the mega-banks received to help troubled homeowners and the fact that these banks have not been using the funds as was suggested, was the greatest mistake the Obama administration has made to date. Officials in the administration have said in response that they did what they could with the way the banking and mortgage industry is set up and due to opposition, could not do more.

So what can defaulted homeowners do to stay in their homes and fight off the bank’s constant harassment? First, stay calm. Second, stay in your home. Third, do NOT send the bank any money. Fourth, contact (in writing) your mortgage lender to see your original wet ink mortgage note. More than likely they will deny your right to see it and that is okay; that is the first step that they are admitting they probably don’t have possession of it.

Fifth, if the bank does not agree to let you see the note then sit tight and wait for the sheriff to serve you formal foreclosure papers (and don’t worry, this is not the Old West so don’t be afraid to answer your door. You are not the criminal here, the bank is). And also know, before the sheriff arrives, you technically are not “in” foreclosure but what the banks are calling “pre-foreclosure”.

Sixth, do some research. The internet is the best way to find out all the updates and information on your state’s foreclosure proceedings. I know that here in New Jersey, the sheriff sale of a home is an average of 900 days after the sheriff serves foreclosure papers; which leaves plenty of time to see a lawyer or talk to an advocacy group about your ordeal and be offered some resources you may be able to use.

Seventh, if you have a lawyer in your area who will give you a free consultation, do it. Most likely if you are in foreclosure you cannot afford a lawyer, but at least you might get some legal advice for free on what your next step could be. Foreclosure advocacy groups are popping up all over the country in response to the housing market and bailout scams as well. When searching for an advocacy group in your area, always look for one that is non-profit; most likely ending in .org and not .com. Also look into your states squatter’s rights, especially if you have children.

One thing to keep in mind, this is war between the big banking cartel and you. It all might seem like a frightening place to stand, but you really do have more power than you think. Knowledge is truly power and the most you can do is arm yourself with the know-how to fight back. The reality is, unfortunately, you might lose. A new law could very well pass to force defaulted homeowners out of their homes, but in the meantime live your life as normally as possible; enjoy your children, savor your favorite meal, dance around at a concert, laugh at your high school yearbook picture and have in your back pocket a viable plan B, C, and D just in case you may need it.

Editor’s Note: Andrea Egizi is a journalist who focuses mainly on the the issues of ethics, equality and human rights. She is currently working on a novel. She is a seasoned front line activist and regular contributor to Raging Chicken Press. You can find Andrea on Facebook and Twitter. Photographs one, two, four, five, seven, eight and nine by Steve Rhodes. Photographs three and six by Alex E. Proimos.

121 Responses

  1. Reject any NEW TAXES in any form…..such as a WORLD TAX…..FLAT TAX……MORTGAGE REFI……..LOAN MOD….OBAMACARE…….ANY NEW TAXES OR PRICE RAISES ON GOODS …….OR SERVICES…….OR ANY OF YOUR UNALIENABLE RIGHTS BECAUSE IT IS SODOMY BY THE SODOMITE INVESTORS……! THEY ARE USING YOU TO DESTROY YOU…! FE FI FO FUM….I SMELL THE BLOOD OF FRAUDULENTLY INDUCED FEIFDOM…..!

  2. The investors never owned anyones property idiot….they couldn’t because the FED never paid back their original loan they borrowed from the AMERICA PEOPKE VIA THE U.S. TREASURY DEPT……YOU KNOW…..THE ORIGINATION FRAUD…..YOU CAN’T OWN OR SELL OR SWAP WHAT YOU NEVER PAID FOR IN THE FIRST PLACE……IDIOT……YOU WERE ALL GAMBLING ON THE B.S. YOU ALL CREATED……..& BTW….BEING THAT WE ALREADY PAID FOR IT ALL UPFRONT….AND YOU SWINDLERS POCKETED ALL OF OUR PAYMENTS & DOWN PAYMENTS AS INTEREST……BEFORE YOU PAID BACK WHAT YOU BORROWED FROM THE AMERICAN PEOPLE…….YOU KNOW THE USURY FRAUD…..& WE THE PEOPLE WERE EXTORTED WITH THE BAILOUTS….& FORCED TO PAY YOU CROOKS MORE USURY FOR YOUR GREEDY POCKETS & THE POCKETS OF YOUR CRIMINAL FRIENDS & THEN YOU & YOUR CRIMINAL INVESTOR FRIENDS COMMITTED TRILLIONS IN CREDIT DEFAULT SWAP INSURANCE FRAUD……MORE ILL GOTTEN GAINS VIA YOUR CRIMINAL FRIENDS IN WASHINGTON…….YOUR GIFT FROM CHINA OWNED ….AIG..WHO COMMITTED TRILLIONS MORE IN INSURANCE FRAUD …… AIG OWED $600 TRILLION IN CDS INSURANCE CLAIMS….AND THEN 20 MILLION + FRAUDCLOSURES……..IN PROPERTIES YOU STOLE FROM THE AMERICAN PEOPLE……..WE DON’T OWE YOU CROOKS ANOTHER DIME……! IN FACT YOU CROOKS OWE THE AMERICAN PEOPLE GAZILLIIONS ……..!

  3. I am a taxpayer idiot……I always owned my property all along ……as the Fraudclosure lis pends says…..we are the title holders of record and always were because of the ORIGINATION FRAUD……YOU ARE AN IDIOT….! And what they did and are still doing with our forged signatures is….. they keep forging and creating counterfeit securities ….to gain unjust enrichment for their foreign & domestic criminal investor friends…….these people are felons & now they are committing felonies against me with our forged signatures…. & counterfeit securities…! YOU IDIOT…..YOU NEED TO GO TO PRISON…!

  4. I demand justice for the harm their felony fraud & their default has done to us. I will accept no fairy dust……I demand no less than clear title & my paid receipts in the form of the original notes & original mortgages returned to me…..stamped paid in full. I don’t want counterfeits floating around with our forged signatures upon them….They are through cashing in on us …. I know the truth is…..they sold us junk….disguised as something of value….there is no legal or monetary correction for the massive felony fraud they committed without our knowledge with our forged signatures…

  5. Your Right Ivent … The Investers dont own your house anymore …. The Taxpayers do Idiot! Tick..Tock..Tick..Tock..Tick..Tock… Do You have an Attorney Yet? Tick..Tock..Tick..Tock… Did you forget to neither deny or admit? Tick..Tock..Tick..Tock.. Genie in a Bottle Talk.

  6. Former Goldman Saks banker who wrote a tell all book about why he left Goldman interviewed today by CFR member, CNBC anchor, Maria Bartimoro. She asked him her typical CFR member question….Why would you bite the hand that fed you….? His reply….it never was about the money…..he joined the club because he liked the stock market & the rat race. Clearly the FED investors did not bargain on club members having any morals other than its all about the money….Yes, Mr Big Shot FED investor….there ARE things money can’t buy. There are other things that motivate people in life besides money, trips, and a flashy lifestyle. Some people really do wake up & get it….What this is really about is buying our souls……and making the masses believe these investors own us……The truth is…..they really don’t ……..

  7. Let us Know if you Find Your Genie in a Bottle ….. We want one to! We are Fresh Out of Fairy Dust! 🙁

  8. Amnisty? Yeah … that was it. Yep! Boo Who? Or a Genie in a Bottle? Mops Up the Floor!

  9. PARDON ME SHADOWCAT…… NOT EVEN YOUR RULES FOR RADICALS APPLY TO COUNTEFFEIT SECURITIES……FORGED & ALTERED DOCS…..AND UTTERING THOSE FORGED, ALTERED COUNTERFEIT SECURITIES ……THAT PROVES INTENT TO DECEIVE & INTENT TO DO PERMANENT HARM…….THAT MAKES YOUR FRAUDCLOSURES FELONY CRIMINAL ACTS…….BETTER CLEAR MY TITLES…& GIVE ME MY SATISFACTION OF MORTGAGES…..BECAUSE THOSE ARE EXTREME FELONIES…EVEN FOR RADICAL FUNDAMENTALISTS LIKE ALL OF YOU…..!

  10. Oh would you lookee here…Bloomberg news reporting a halloween trick…..a thanksgiving turkey & a gift from Santa for the banksters all rolled into one neat little cauldron in the form of some new regulations for the felons they are calling it ……. SOCIAL JUSTICE…….! YEAH………THESE SAME FELONIES ARE STILL BY COMMITTED BY THESE SAME FELONS BUT THE GOVERMENT IS GOING TO RESCUE THE WORLD FROM THE EVIL BANKSTERS….BY INSTITUTING SOME PHONY SOCIAL JUSTICE REFORMATIONS INSTEAD OF JAILING THESE CROOKS…..! BOOYA……RULES FOR RADICALS ……..FOR DUMBASSES…& CAESER & HITLER & THE ISLAMIC FUNDAMENTALISTS ARE PARTYING LIKE ITS 1999……! CUE THE PRINCE OF DARKNESS….& HIS LITTLE RED CORVETTE……ITS TIME TO POUR SOME PURPLE RAIN ON ALL OF THEIR RASPBERRY BERETS……! YOU KNOW….THE KIND YOU BUY IN OUR SECOND HAND STORES……THAT WE OWN…..WHERE THEY WILL BE SHOPPING……GOODWILL TO MAN & ALL THAT NEW NORMAL STUFF…..!

  11. My husband & I do not play your evil little games. We both know having good morals & demanding the RULE OF LAW be upheld is the only way to win this battle….and ultimately this war. Frankly…we just don’t trust you….at all….because we know the truth is Satan doesn’t give a shit about us….or you….

  12. I Hate to Burst Your Bubble Sweetie …. But do you know our State Laws on unsecured Crediters who get Judgements? Sure You Do! INSOLVENTs Bubble HAS Burst!! And My Job is Done!

  13. What would Jesus do…..? He told us not to trust you….! Because you would crucify us, like you did to him if we did..! Reagan said…..trust but verify….if you can’t verify…..do not trust….! Well I cannot verify…so therefore, I do not trust….!

  14. You must have the courtrooms confused with your church…..the Synagogue of Satan and you must think the bench is your pagan altar of human sacrifice…..well its not….WE THE PEOPLE JUST DON’T TRUST YOU……..IN U.S. COURTROOMS IN GOD ALMIGHTY WE THE PEOPLE TRUST…..!

  15. YOU CAN’T READ…….READ THE SUPREME LAWS OF THIS LAND……..THIS IS NOT BILL AYRES SCHOOL OF ILL REPUTE…..OR ALYNSKYS RADICAL RULE BOOK….OR AN ISLAMIC FUNDAMENTALIST FAKE WAR ON USURY……OR STALINS RUSSIA…..OR HITLERS GERMANY…….OR CAESERS ROME…….THIS IS THE UNITED STATES OF AMERICA……YOU ARE NO MORE THAN A FUNDAMENTALIST RADICAL ILL REPUKE…

  16. YOU MUST PROVE YOU SECURED THEIR LEGAL LIEN…….A RECORDED MORTGAGE IS NOT A LEGAL LIEN……A MORTGAGE & NOTE THAT HAVE NOT BEEN DELIVERED, CONFIRMED & ASSIGNED TO A TRUST DOES NOT EXIST……THIS IS ALSO SECURITIES FRAUD BECAUSE THESE ARE UNCERTIFICATED SECURITIES THAT YOU SOLD AS SECURITIES….THAT IS FELONIOUS…… THEREFORE WITHOUT A LEGAL ASSIGNMENT…. THOSE COPIES YOU ARE UTTERING UPON THE COURT ARE COUNTERFEITS….& YOU ARE IMPOSTERS & CRIMINAL FELONS..!

  17. THE RULE OF LAW IN AMERICA SAYS YOU MUST SHOW PRESENTMENT UPON THE NOTES ……OTHERWISE YOU ARE AN IMPOSTER……….!

  18. RULES FOR RADICALS ARE NOT THE RULE OF LAW IN AMERICA….YOU IMPOSTER CROOK…!

  19. NOT PAYING A MORTGAGE IS NOT ILLEGAL…….NOR IS IT DISHONORABLE SAYS THE UCC CODE….AND THE SUPREME LAWS OF THIS LAND….UNLESS & UNTIL THE ORIGINAL “LENDER” SHOWS PRESENTMENT OF THE NOTE…….NO WITCHCRAFT SUCH AS CONVENTIONAL SUBROGATION IS GOING TO GIVE YOU STANDING……PROVE UP THE CHAIN…..OR RAIN….RAIN…GO AWAY….AND YOU WILL NOT BE BACK ANOTHER DAY BECAUSE YOU COMMITTED FRAUD & FORGERY AND COMITTED FELONIES WITH MY SIGNATURE…..UTTERED FORGED & COUNTERFEIT DOCUMENTS………AND I CAN PROVE IT……DISMISSED WITH PREJUDICE…..& want of criminal prosecution…& HEY… SCREW YOU CROOKS….!

  20. Last Time I Say This! …. Game Over! You Didnt Play By The Rules! You Lose! duhhh …. “Kindergarden”. …… I Told You to Play Nice!! Poof!!! Your Gone! “Last and Final Reality Check”…… You Are Dead in the Water! Tell the Judge its the Teachers Fault You Cant Read … see if that Works for Ya! Bye_Bye Greedier than Greedy! Enjoy those Empty Bottles .. You can Play Spin the Bottle with them…. And I dont even want to picture in my mind what you and hubby do with those toys of yours …ewweeeeee *Splat*

  21. That’s right……I don’t subscribe to the ALYNSKYITE RULES FOR RADICALS PLAYBOOK…..THE RADICAL FUNDAMENTALIST RULE BOOK OF THE LAW FOR THE LAWLESS ONES LIKE YOU….!

  22. No shadowcat………you & your owners are greeeeeedy insolvent losers…. & lawless….lazy fat assed perverted slobs…..you are a coven of evil witches….you are the bitches who are working for the lazy large institutional! investor witches….

  23. Guess what……? I’m not paying for your healthcare & your pension with my home or my business…..YOU ARE THE ENTITLEMENT PEOPLE THAT ROMNEY TALKS ABOUT…….THE CROOKS WHO STOLE IT ALL FROM YOU & ME WANT THE AMERICAN PEOPLE TO BECOME A COMPLETE COMMUNIST COUNTRY….SO LOSERS LIKE YOU CAN GO TO THE EMERGENCY ROOM FOR A STUBBED TOE…..ON THE U.S. TAXPAYERS DIME….SCREW YOU LOSERS…. ! I AM NOT PAYING FOR YOUR ROBBERY…!

  24. Game Over! You Didnt Play By the Rules! Booo Who?

  25. You Insolvent Greedy Bitch!

  26. Don’t you tell me what to do you Cretan….spawn of Satan…!

  27. Your an Idiot! The Only thing I did was Save My Home! I got an Attorney and I faced Mr Bankster. That makes me a bad person? Sure It Does ….. In the Eyes of a Crook! I repeat myself again…..
    Your Wasting Time … its Irrealvent to your situation..

    Get an Attorney!

    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  28. You are right about one thing shadowcat……..your situation is different than mine….you sold your soul……..I did not & I never will…..!

  29. For the last & final time ….my soul is not for sale to any attorney or anybody….! Do you got that Gracie…..?

  30. Why don’t you forget about saving them…..and save your soul…..? No one can do that for you…….they stole the most important thing that God gave you……..your soul………none of their attorneys or their judges or their debt fraud collectors or their cops will give that back to you…that is what they are really hiding…….they have stolen your soul….well they can’t have mine……there is no settlement offer for my soul …… there is no amount of blood money that is worth my soul..

  31. Please …. Shit is Getting Deep! Please show me where I said … anybody owed me any money? My problem is quite the contrary of yours and the solution will not be the same as yours. You see … The Only Thing I have ever suggested is that I cant cram My Tender (My Money) down Mr Banksters Throat and Get Performance. Mr Bankster is so full of Shit … he cant get his pen Up and Perform his Duties! Please Quit comparing your situation to Mine! Listen Up Sweetie …….

    Your Wasting Time … its Irrealvent to your situation Insolvent.
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  32. Tick…tock….you still have time to redeem yourself & save your soul shadowcat…….that is something their fiat currency can’t buy…….

  33. Shadowcat……..The truth is…… you worked for these criminals as their slave….. they tricked you and paid you just enough money and offerred you just enough security to make you believe all of their lies….they robbed you of your soul…..and they made YOU & ALL OF US pay for it…..

  34. The truth is …….this is another religious crusade…….under the guise of a quadrillion dollars in debt fraud created FOR YOU……THE INVESTORS BY YOU….. INVESTORS…BY MANY PROXIES……and make no mistake……it is being used as a financial black op weapon of mass destruction against the people……you want us to believe your lies that we owe you money so that you can microchip us & enslave us to your CREDIT SCAM……! You are in reality…..sick perverted…..dirty old men…with a bucket list that plans on destroying our freedom via your lawlessness…..

  35. Sure.. I broke the Law. I worked to put my kids thru collage, I worked to save for my Retirement. I worked to build equity in my home. I worked to pay pay my taxes and support My Community and assist those Going thru Hard Times. I paid for it All …. And Your Trying to Convince Me …. I Did it Wrong? hahahaha Good Luck Sweetie! Your confusing yourself with me. And your wasting your Time!
    … its Irrealvent to your situation Call an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  36. I KNOW THE TRUTH IS……THE FED & their investors are unholy tares….

  37. That is why I will not hire a lawless attorney to try and convince me to accept the microchipped mark of the beast…….BECAUSE I KNOW THE TRUTH IS ……… THE FED & THEIR INVESTORS ARE LAWLESS….INSOLVENT…..AND ARE USING COVET MEANS & BLACK OPS TO HIDE THEIR TRUE IDENTITY……..NOT THE RULE OF LAW…..THE RULE OF THE JUNGLE…..BECAUSE THEY ARE COVEN OF WITCHES WHO USE WITCHCRAFT & HUMAN SACRIFICE TO WORSHIP AT THEIR PAGAN ALTARS…..

  38. I never broke any laws…you & your perverted friends have broken every law imaginable including everyone of Gods law…….YOU ARE COVETERS……THAT WHY WHAT JFK WARNED ABOUT IN HIS SPEECH ABOUT SECRET SOCIETIES AND WHY THE TRUTH WAS HIDDEN FOR DECADES FROM THE MASSES…….UNTIL NOW………J.F.K WARNED IN THAT SPEECH ABOUT YOU & ALL YOUR EVIL INTENTIONS …..BY COVERT ACTS OF AGGRESSION….HOW YOU WOULD USE BLACK OPS AND HOW YOU WOULD BY COVET MEANS & NOT THE RULE OF LAW TRY & OVERTHROW ALL OF THE CREATORS PLANS FOR MANKIND WHICH WAS FOR ALL OF HIS CREATIONS TO BE FREE & INDEPENDENT …..YOU ARE A LAWLESS COVEN OF WITCHES…

  39. You have now wasted half a day …. You are Running Out of Time …. Lets get back to the subject at hand, the Reason your on this Website operated by Attorneys ……………. .
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  40. We are all entitled to our own Beliefs and our own God what ever name we may call him. Thats why we call it America! Dont Confuse Freedom of Belief with Breaking the Law.

  41. No shadowcat…….YOU ARE A CROOK & YOU already REVEALED WHO YOU ARE……..you are a pagan who worships at the altar of the false idol…..THE FED…

  42. Gods country….? What God is that….?

  43. OBAMA & HIS PALS……..THE LARGE INSTITUTIONAL INVESTORS….. ARE ENGAGING IN A COVER UP FOR THEIR FELONIES….THEY WANT TO STEAL EVERYTHING FROM YOU BECAUSE WALL STREET COMMITTED A QUADRILLION DOLLARS IN MORTGAGE/INSURANCE & TAX FRAUD….BECAUSE OF THOSE FELONIES…..THESE SAME CROOKS ARE SENDING OUT IMPOSTERS AND COMMITTING MORE HEINOUS MORTGAGE/INSURANCE & TAX FRAUD..THEY ARE BANKRUPTING THE AMERICAN PEOPLE BY SECRETS, LIES & THEIR QUADRILLION DOLLAR FRAUD DECEPTION TO DEFRAUD THE AMERICAN PEOPLE…..IN EXCHANGE FOR THAT QUADRILLION DOLLAR FRAUD..YOU WILL GET OBAMACARE, THE MICROCHIP & INDENTURED SLAVERY….! BEWARE THE DECEIVERS……!

  44. Yur Right about another Thing. I dont live in Cook county with you the Crook. I Live in Gods Country! Now back to the subject at hand …. Your Situation … Your Wasting Time … its Irrealvent to your situation Insolvent.
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  45. I Repeat!…….
    Your Wasting Time … its Irrealvent to your situation Insolvent.
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  46. No……you are irrelevant shadowcat because you are a LIAR…LIAR…..YOU JUST CANT STOP LYING……YOU ARE JUST A PERVERTED LIAR…!

  47. You obviously aren’t living in crook county……but obviously….God is paying a visit here……and he doesn’t like what you corrupt Cretans are doing to his people…

  48. Your Wasting Time … its Irrealvent to your situation Insolvent.
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  49. WELL LOOKEE HERE …BLOOMBERG NEWS REPORTING ….NEW YORKERS ARE PAYING THE HIGHEST TAXES IN THE COUNTRY NOW….COOK COUNTY ILLINOIS HAS JUST LOST ITS FIRST PLACE STATUS AS THE MOST CORRUPT PLACE IN THE U.S…….!

  50. Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock…..

  51. ???? The Sun is Shining Here! Beautiful Outside! Who Pissed the Gods?

  52. Take a look…..it’s lightening & thundering outside ….you are pissing off God Almighty….now you better start behaving yourself……because hes mad…….! WHAT WOULD JESUS DO…….? HE WARNED US TO BEWARE THE MONEY CHANGERS & THE PAGANS……THAT WOULD BE ALL OF YOU CRETANS NOW WOULDN’T IT……?

  53. I SAID NO PERVERT….I AM NOT HIRING A SICK PERVERT TO MICROCHIP ME……AND GO UP MY ASS WITH THEIR FEDERAL MICROSCOPE……

  54. Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..
    Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

    IDIOT!

  55. NO…..THATS BECAUSE YOU ARE ALL LIARS & YOU ARE ALL FULL OF SHIT….! YOU ARE ALL SICK PERVERTS….WHO HAVE BEEN HAVING A QUADRILLION DOLLAR DEBT FRAUD ORGY…WITH THE U.S. TAXPAYERS WEALTH & PROPERTY…….! SICKOS….!

  56. Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  57. I AM NOT GOING TO ALLOW MYSELF TO BECOME ONE OF YOUR HUMAN SACRIFICES TO SATAN……I HAVE MORALS……YOU HOWEVER… ARE A SICKO PERVERT….!

  58. Get an Attorney!
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  59. Has Anyone came Across Any Lawsuits Where the Banksters Are Sueing the Investers? Show Me the Proof Please?
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  60. STOP TALKING FILTH & TELLING ME TO HIRE AN ATTORNEY YOU FILTHY SATANIST PERVERT…..!

  61. Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  62. What about the LARGE INSTITUTIONAL INVESTORS…WHO ARE….THE MASTERMINDS…….THE CHARLES MANSON MASS MURDERERS WHO SENT THEIR AGENTS LIKE YOU……OUT TO MURDER MILLIONS ……? THEY SHOULD GET THE DEATH PENALTY OR LIFE IN PRISON TOO…….YOU GREEDY BASTARDS WANT TO SEND YOUR PERPS TO PRISON FOR YOUR EVIL WORK……? I HOPE THE BANKSTERS EXPOSE & THROW EVERYONE OF YOU SATANIST CROOKS UNDER THE BUS……!

  63. LOL! You dont even know what your talking about, no lone capable of proving anything! Your Repeating words and Jumping to Conclustions and Its got you No Where for how Long Now? Get an Attorney Idiot!

  64. Truth is….I have no sympathy for the devil because I know he has no sympathy for me….. I met with his agents before……disguised as lawyers…trying to convinve me to accept fraud & the mark of the beast…….NEVER….!!!!! YOU GOT THAT…..? NEVER…EVER…! SO STOP TELLING ME TO HIRE A LIAR….LIAR…!

  65. Your Right about one Thing … The Mortgage Banksters are Going to Pay for their Crimes. But Agian …… This does not help your stituation, now does it? Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  66. Well lookee here….ympathy from the devil…..like the devil gives a shit about me…? Ha..

  67. Looks like the mortgage fraud pigs & crap are about to meet their maker ……lucifer….Hitler couldn’t get the job done this time……time for hitler & satan to eat their poison shit & die…

  68. All this BS you spill … is not saving your home. You either Tender, Get an Attorney or Lose your Home! Your Choice! Your Actions! Your Consequences! Your an Idiot! Your an Idiot! And soon to be a Homeless Idiot! …. Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..
    Time is a Valuable Thing to Waste…………………………
    Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  69. WELL LOOKEE HERE….BLOOMBERG NEWS REPORTING RESCAP BANKRUPTCY AUCTION SAID TO ATTRACT ONLY TWO BIDDERS…….! LOOKS LIKE YOU CROOKS ARE LOSING FAITH IN YOUR OWN CRIME SPREE……..! BLOOMBERG NEWS ALSO REPORTING FINANCIAL SECTOR CONSOLIDATION COULD BE COMING…..! LOOKS LIKE THE CROOKS ARE GETTING SCARED & ARE GETTING READY TO TAKE A BIG DUMP OF ALL OF THEIR CRIMINAL FRAUD….!

  70. No shadowcat……it is you & your criminal friends who are the insolvent ones who will be homeless soon…BECAUSE WE THE PEOPLE CANT AFFORD TO SUPPORT YOUR BAD HABITS OF GAMBLING…..DRUG ABUSE……BOOZE & HOOKERS ANYMORE….!

  71. That’s right tick tock…..the rat ran up its clock….to a QUADRILLION dollars……..the rats been feeding us lies…….the rat being the FED & THEIR CRIMINAL INVESTOR FRIENDS ON WALL STREET….

  72. Your an Idiot! And soon to be a Homeless one at That! …. Time is a Wasting! Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  73. Funny thing about knowing the THE TRUTH shadowcat…..YOU KNOW…..THE HONEST TO THE GOD ALMIGHTY TRUTH THAT…… IT IS THE FED WHO IS INSOLVENT & IN DEFAULT & WILL ….BE HOMELESS SOON…..THE TRUTH MAKES ME FEEL FREE…..MY FAITH…. It allows me to not fear you. KNOWING THE TRUTH ALLOWS ME TO SEE YOU & YOUR CRIMINAL INVESTOR FRIENDS ARE NOTHING BUT AN INSOLVENT FRAUD & IMPOSTERS & THEREFORE A NULLITY……So call someone who gives a shit…!

  74. Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock

  75. & SHADOWCAT IS WORKING U.N. BLACK OPS FOR THESE RADICALS WHO ARE HIDDEN IN THE RADICAL RIGHT & LEFT…THE LARGE INSTITUTIONAL INVESTORS ……. THEY THINK THEY OWN US…….THESE RADICALS ARE HIDDEN IN BOTH SIDES OF THE AISLE………OBAMA IS AN ISLAMIC ZIONIST FUNDAMENTALIST LIKE LOUIS FARRAKHAN…..HE JUST HIDES IT WELL……REMEMBER LOUIS FARAKAHAN….? FARAKHAN SAID ON THE ARSENIO HALL SHOW SOME YEARS AGO THAT THE BLACKS SHOULD ARM THEMSELVES AND START SHOOTING ALL THE JEWS & ALL THE WHITES…….! I HEARD HIM SAY IT……I WATCHED THAT SHOW….BEWARE THE DECEIVERS ….! THEY ARE NOT YOUR FRIENDS….

  76. Your an Idiot! And soon to be a Homeless one at That! …. Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..Tick..Tock..

  77. Well Jeff…..att least Romney’s not trying to hide it from the people……Obama on the other hand is a RADICAL…..Communist Islamic Black Zionist Supremacist…….HE IS LOUIS FARRAKHAN IN SHEEPS CLOTHES….!

  78. The TRUTH IS……THE FED IS AN IMPOSTER THAT HAS HIJACKED THE U.S. TREASURY…….THE U.S. TAXPAYERS MONEY….AND THE FED IS CONDUCTING U.N. BLACK OPS TO PROTECT THEIR FELONIOUS LARGE INSTITUTIONAL INVESTOR FRIENDS…..OUR ENEMIES BOTH FOREIGN & DOMESTIC…..AKA THE GLOBALISTS…….!

  79. Don’t matter who gets elected: Continue to bend over. Hmmm, I wonder how much I have in common with Romney? You outta see his $12 million dollar pad in La Jolla, CA. Truly spectacular.

  80. It’s not your cookie jar to protect…..! YOU LARGE INSTITUTIONAL INVESTOR CROOK….! That is THE U.S. TAXPAYERS COOKIE JAR..

    YOU ARE NO MORE THAN AN INSOLVENT HITLER FELON…!

  81. These crooks have installed BLACK OPS IMPOSTERS in plain sight to enslave us or kill us……these entities are not who they appear to be…..!

  82. Wrong Again! Its My Cookie Jar …. And I am protecting it From the Bankster and You! Your an Idiot!

  83. WELL IT IS NOT THE FEDS COOKIE JAR TO PROTECT….IT IS THE U.S
    TAX PAYERS COOKIE JAR…

  84. THAT’S RIGHT SHADOWCAT YOU INSOLVENT IMPOSTER……I AM TELLING THE AMERICAN PEOPLE TO TAKE A LONG HARD LOOK AT WHAT THEY HAVE LEFT…..AND WHO STOLE IT ALL……IT WAS THE FED…& THEIR LARGE INSTITUTIONAL INVESTOR FRIENDS……AT THE FDIC……..INSURING MASSIVE, UNSUSTAINABLE & INSOLVENT GOVT CREDIT FRAUD THAT THEIR CRIMINAL FRIENDS ON WALL STREET COMMIT…..THATS WHAT THE FDIC DOES…..!

  85. No … I dont protect the Bankster. I protect the Cookie Jar. Just sayin …..

  86. Or JOHN CORZINE FOR FED.HEAD….MWAHAHA..!…….

    shadowcat……..the FED & THEIR LARGE INSTITUTIONAL INVESTORS ARE WHO GOT THE BLEEPING GOLDEN PARACHUTE…..& WE THE PEOPLE GOT HANDED THEIR QUADRILLION DOLLAR CREDIT FRAUD…….THANKS FDIC……!!!! FOR PRETENDING YOU REPRESENT & PROTECT THE AMERICAN PEOPLES WEALTH…..THE U.S. TAXPAYERS WHO PAY FOR & BUILD EVERYTHING IN THIS COUNTRY….& APPARENTLY, AROUND THE GLOBE TOO….
    WHEN ALL YOU REALLY DO IS PROTECT THE TBTF FED CROOKS FROM BEING LYNCHED BY ALL OF US……

    THE FDIC ARE IMPOSTERS WHO INSURE MASSIVE FRAUD OF THE FED CROOKS & THEIR CRIMINAL INVESTOR FRIENDS ON WALL STREET…….!

  87. Obama says Bernanke will not gef another term as head of the FED if he is elected because he wants to put a worse crook in his place…..like Jamie Dimon….

  88. Why is it you say “”LOOK AT YOUR”…… Instead of Look at Mine? Ohhh ….. you dont have one. No retirement … Not cash under your mattress … no pension ….. no cash in your pocket……… Did You Eat all Your Cookies as you Went Along …. Sure You Did! Thats why it takes a parashute to cover your carcus! You should have saved some of your Cookies for your Cookie Jar.

  89. I SURE DO NOT WANT THE LARGE INSTITUTIONAL INVESTORS VIA THEIR GOVERNMENT CORP PROTECTING MY WEALTH …..HEALTH….PROPERTY…..OR PRIVATE PARTS……BECAUSE IT IS A PROVEN FACT……THEY ALWAYS FAIL…….! THEY ALWAYS CLAIM THEY ARE OFFERING YOU SOMETHING OF VALUE…….AND THEY ARE PEACE LOVING & PROTECTING YOU & GIVING YOU SECURITY….WELL TAKE A LOOK AROUND………….THEY ARE LIARS…..!

  90. You are the only fairy around here shadowcat….and the dust you are sprinkling is poison..it will turn all of us into microchipped ATM MACHINES…..& A NATION OF RENTERS SLAVES…

  91. WAKE UP…..!!!! LOOK IN YOUR POCKET……LOOK IN YOUR BANK ACCOUNT……LOOK AT YOUR RETIREMENT MONEY…….LOOK UNDER YOUR MATTRESS…..LOOK AT MEDICARE…..& S.S……..IT’S GONE….& THESE CROOKS IN POWER RIGHT NOW ARE WHO STOLE IT ALL..! DO OBAMAS MATH….IT DOES NOT ADD UP…… OBAMA & HIS CRIMINAL FRIENDS WILL BANKRUPT US….IN ORDER TO FORCE US INTO RENTING OUR OWN HOMES OR THROW US OUT IN THE STREETS TO DIE…….!

  92. Oh … Looky Here, Its my Bag of Magic Fariy Dust..

  93. Here is a tip……I have seen this first hand……when they want to do away with you……they always send in black ops people to do away with you……they are not who they appear…..THEY ARE IMPOSTERS…WAKE UP…? LOOK IN YOUR POCKET……GOT CASH…..? NO THESE CROOKS STOLE IT ALL WHILE YOU WERE TOO BUSY BELIEVING THEIR BULLSHIT THEY ARE FEEDING YOU ……THAT THEY GIVE A SHIT ABOUT YOU…….WELL LOOK AROUND BECAUSE… THEY DON’T …….! THEY ARE EVIL LITTLE HITLERS DISGUISED AS THE MEDIA,THE MILITARY, EDUCATORS, LAWYERS, LAW ENFORCEMENT, JUDGES, DOCTORS, CORPORATIONS, HUMANITARIANS, GLOBALISTS, POLITICIANS, & ENVIRONMENTALISTS ….DO YOUR HOMEWORK BECAUSE YOU WILL KNOW THEM BY THEIR LIES THEY TRY & MAKE YOU BELIEVE…….THEY ARE GREAT DECEIVERS….THEY ARE THE DEVIL IN DISGUISE……

  94. You are worried about Roe v Wade getting overturned….? You should be more worried about OBAMACARE & the Government going up your arse with a microscope. I sure don’t want them looking at my private parts…..or sending me for tests & experiments that I don’t need…or want.. Have you been to a doctors office lately…..? Everytime I take one of my kids to the doc., the wants to send them for some odd test…..been to an er lately….? I have…they scan your wristband and every drug or treatment they administer……GEs investors owns that ……. you better go out & do your homework….there are stores that only take credit or debit…..the microchip……no checks & they don’t allow you to return unwanted merchandise for cash…..just a STORE CREDIT……OH HELL NO!!! I REFUSE TO BE THEIR OWN PERSONAL ATM MACHINE. THEY WILL MAKE YOU SICK & THEN SEND REALLY FRIENDLY BLACK PEOPLE FROM HOSPICE IN TO KILL YOU ……THESE PEOPLE ARE SADOMASOCHISTS IN SHEEPS CLOTHES….I HAVE SEEN THIS FIRST HAND….LOOK AROUND……IF YOU ARE HUMAN YOU WILL SEE THESE PEOPLE ARE NOT HUMAN & MERCIFUL AT ALL …..THEY ARE LAWLESS….CLAIMING TO NOT BE CROOKS…..THEY ARE IMMORAL CLAIMING TO BE MERCIFUL……THEY ARE ALL LIARS & THEY ARE ALL FULL OF SHIT. OBSERVE THE DRAGON & THE BEAST……THEY ARE NOT HIDDEN IF YOU WANT TO SEE THE TRUTH…..GOD IS REVEALING WHO THEY ARE & ALL OF THEIR EVIL PLANS FOR MANKIND. They are eugenicists who want to own you or kill you… they consider all of us their slaves……..they wany us to suffer ………they consider all of us their human sacrifice to lucifer….You will know them by their lies. They are the real haters of mankind…..they cannot hide how full of hate & iniquity they are…

  95. You better pray to God that Romney ramps up our military…..in case you haven’t noticed….we are at war with some really evil radical elements in this country both foreign & domestic. The miltary should have arrested these people & thrown them in guantanamo long ago.

  96. Well johngault that is precisely why we are in so much turmoil. A nation divided cannot stand. You say Romney will cut funding for public schools….? I don’t know where you live, but you obviously are not seeing what I am seeing. You must live a really sheltered life if these are the things that are concerning you. These people in power right now think they own this place and they are dangerous……think Bill Ayres, reverend wrights church & the nation of Islam. These people are radicals. They will stop at nothing to make you believe they own this place. Don’t believe me. Take a little trip to a major city or their outlying suburbs near you..

  97. PS – Romney: “Fire, aim, ready”.

  98. I don’t know what some people think Romney will do for them, but here’s what I think he’d do: He’ll cut even more funding for education because “his type” has money for private schools. He’ll ramp up our military at the expense of the middle class and by cutting programs. He will send our sons and daughters into more battles to support his global dictatorship. If you believe this country should not be called on anything by anybody ever, he’s your man.
    He will maintain current tax loopholes for the wealthy, his buddies, if not create more, because he has no regard for anyone else. He isn’t just a snob, albeit a somewhat charismatic one, HE’S the real supremacist. Anyone else is expendable. It’s probably even religious doctrine to him (most of us are infidels). He can’t condone abortion, so he will find ways to cut welfare, including childcare, to those who bear kids they can’t fully support, which some people might applaud, loudly in fact. He’ll use his influence and power to get Wade-Roe overturned, or die trying. He will make sure not one tax dime pays for birth control, but will not consider the plight or suffering of the children born as a result, both in and out of this country. He will 86 Obamacare and ultimately turn his back on the uninsured. The uninsured are not on his radar: they’re the expendable. I wouldn’t be surprised if he cut all aid to victims of certain illnesses, like aids, no doubt viewing it as a deserved scourge on the immoral.
    He wants the country populated by man-and-woman married couples, with 2.1 kids with the woman at home, and at home in a subservient role. He will use his influence and power to 86 gay marriages. He will call for a return to morals (not a bad idea), but he’s the one who will determine what those are and to whom they apply. He claimed in the first debate (pretty sure) that the banksters shouldn’t have been bailed out. Talk is cheap. He claims he has great strategy for creating jobs, but acc to Obama tonight, Romney is an investor in companies which ship jobs overseas, making his actions speak a lot louder than his words. Romney’s only real plan is to recapture American world dominance by whatever means necessary with strong emphasis on military might. I don’t believe he gives a hoot about job creation, except to any extent it benefits those he considers worthy. Romney would rule according to his religious dogma. It would permeate every single thing he did, because that would be his own perceived mandate.

  99. Enraged,
    Thanks for sharing that Naked Capitalism link!

  100. THE TRUTH IS…..THE FDIC HAS NO BUSINESS BAILING OUT THESE INSOLVENT FED CROOKS WITH U.S. TAXPAYER MONEY & PROPERTY WITHOUT EVER EVEN AUDITING THEM……WE THE PEOPLE ALREADY PAID THE FED CROOKS FOR EVERYTHING UPFRONT……THE FDIC ARE THE HIDDEN 500 POUND GORILLA IN THE ROOM ……THESE ARE THE IMPOSTERS WHO ARE STEALING & EXTORTING OUR REMAINING WEALTH & PROPERTY FOR THEIR FELONIOUS LARGE INSTITUTIONAL INVESTOR FRIENDS AKA THE TBTF CORP OF FOREIGN & DOMESTIC LARGE INSTITUTIONAL INVESTORS…THE FDIC KNOWS DAMNED WELL WHY THE U.S. TREASURY DEPT NEVER SECURED A LEGAL LIEN FOR THE FED…..IT WAS BECAUSE OF THE ORIGINATION FRAUD……THAT IS THE FEDS FATAL FLAW…..THEY NEVER PAID THE U.S. TREASURY BACK FOR THEIR ORIGINAL LOAN…..! YOU CAN’T OWN ANYTHING IN THIS COUNTRY WITHOUT FIRST PAYING BACK THE AMERICAN PEOPLE…..THERE IS NO LEGAL CORRECTION FOR THE ORIGINATION FRAUD….IT IS APPARENT THE FED BLEW IT & THE FDIC IS TRYING TO COVER IT UP…BY ROBBING & EXTORTING THE AMERICAN PEOPLE…..& THE POLITICIANS IN POWER ARE ALLOWING THIS…..SHAME ON ALL OF YOU IMPOSTER CROOKS….!

  101. Fool me once, shame on me……fool me twice, shame on you….!

  102. The foreign & domestic large institutional investors…meaning shadowcat & his investor friends are criminal FELONS who committed a QUADRILLION dollars in credit fraud with our signatures, without our knowledge. THE FED IS INSOLVENT BECAUSE OF IT….THEY ARE TRYING TO BANKRUPT THE AMERICAN PEOPLE AS A RESULT OF THEIR FELONIES…..I WILL NOT HAND THESE CROOKS ANOTHER CENT ….OR MY PROPERTY IN EXCHANGE FOR NOTHING…..EVER…!

  103. No shadowcat….everyone is not a liar but you are…..and you are an imposter too…Because if you weren’t, you wouldn’t be telling me to hire a liar…

  104. I am not an idiot, that’s why I won’t get a liar…. Why do you care..? It’s not yours…you didn’t work for it, you didn’t build it & you didn’t pay for it. However, my husband & I did. We worked our asses off for 30 years to build this. What have you done besides try & burn it all down & destroy what we built. That is the direct result of the U.S. GOVERNMENT allowing the FEDERAL GOVERNMENT to use credit as a financial weapon of mass destruction…..The FED MIDDLEMAN has been allowed to control small business in this country for too long…THAT NEEDS TO STOP…..We need our own currency & direct lending from the Treasury at a nominal interest rate. Abolish the FED….& FIRE OBAMA & ALL OF HIS SUPREMACIST CRIMINAL FRIENDS….

  105. Everybodys a Liar … Except Ivent? That is why she will lose her home …. Get A Lawyer Idiot!

  106. You mean get a liar….there are no lawyers….just liars.

  107. Your an Idiot! Get A Lawyer!

  108. RESTORE THE RULE OF LAW….VOTE ROMNEY……AT LEAST WE KNOW WHERE HE CAME FROM….I DON’T LOVE THE GUY BUT OBAMA NEEDS TO GET FIRED….I DON’T WANT TO BE ANYBODYS SLAVE BUT ESP. HIS SLAVE….OR HIS KRONIES SLAVES…..THEY ARE COMPLETE RADICAL COMMUNIST SUPREMICISTS…WE DIDN’T BUILD THAT…..OH YOU BETTER BELIEVE WE THE PEOPLE BUILT THAT…..& EVERYTHING & WE THE PEOPLE FUNDED & PAID FOR IT TOO….. THOSE WHO BELIEVE THAT MEME……THEY ARE THE GODAMNED CROOKS..THOSE ARE THE ENTITLEMENT PEOPLE RIGHT THERE……THOSE ARE THE RADICALS WHO HAVE HIJACKED OUR COUNTRY….

  109. Don’t let me forget the Chinese Supremacists…..Who do we replace them with….? Romney is the only choice. He might be a rich white snob but hes not lawless….Obama needs to go …. The rule of law needs to be restored by the power of our vote…ASAP…!

  110. And who do we replace them with…? They are ALL crooks.

  111. What we have occurring here in OUR COUNTRY ……THE UNITED STATES OF AMERICA IS A GLOBALIST SUPREMIST HIJACKING OF THE U.S. TREASURY DEPT…….THIS IS A RADICAL BLACK MUSLIM ISLAMIST WHITE ZIONIST SUPREMACIST EXTREMIST BUNCH OF COMMIES WHO THINK THEY OWN THIS PLACE AND “THINK” THEY OWN US…….TIME TO VOTE OUT THIS REGIME…! ROCK THE VOTE AMERICA…..& DON’T GIVE THEM WHAT THEY WANT WHICH IS VIOLENCE……

  112. Whatever Oklahoma’s reasons to refuse to sign off on that infamous settlement, people are making out a hack of a lot better there anywhere else. $20,000 beats $1.800 any day of the week! And the check is really in the mail!

    http://www.tulsaworld.com/news/article.aspx?subjectid=11&articleid=20121022_11_A1_JyeJcs252378&allcom=1

    The Attorney General’s Office has begun mailing checks from the state mortgage settlement fund.
    By CARY ASPINWALL World Staff Writer
    Published: 10/22/2012 2:24 AM
    Last Modified: 10/22/2012 10:50 AM

    Joyce Jackson mailed off an application to the Oklahoma attorney general’s mortgage settlement fund this summer, not expecting much as a result.

    This week, she received a check for $10,000 from the settlement fund.

    “I was astonished,” she said. “I just couldn’t believe it.”

    Jackson said she first learned about the settlement fund by reading the Tulsa World, and was encouraged to apply by the Attorney General’s Office after the story of her mortgage woes appeared in the World this past July.

    Jackson had to liquidate more than $6,000 of her life savings to fight foreclosure on her older sister’s home, which left both women, who are in their 80s and on fixed incomes, in a serious financial pinch. Jackson took over managing her sister Doreen Woods’ finances after an illness left her with lingering memory and health issues.

    Jackson had applied for a mortgage modification for Woods’ Sand Springs home, and believed their mortgage servicer began foreclosure proceedings without their knowledge at the same time.

    The process is called “dual tracking,” and its one of several industry practices that led to a $25 billion national foreclosure settlement announced in February with the nation’s five largest mortgage servicing companies: Bank of America, JPMorgan Chase, Citigroup, Wells Fargo and GMAC.

    Oklahoma was the only state to opt out of the larger national settlement, with Attorney General Scott Pruitt announcing he would instead use $18.6 million offered as a payment directly to the state to provide “real and substantial relief” to residents harmed by practices such as dual tracking or robo-signing.

    But that meant turning down a projected $28 million in additional benefits to home- owners, including refinancing options for underwater homeowners and principal reduction. Pruitt argued that those programs drifted too far from the original goal of the investigation into unfair business practices by various state attorneys general.

    [Click on the link for the entire article]

  113. If Corzine’s lawyers say so, it must be so… Nope, there was no fraud. Not a thread. Not even a hint. It was all in the up and up, yes Sirrreee!

    Canada doesn’t seem to believe them. Go figure!

    Corzine, banks push to end MF Global fraud lawsuit
    10.22.2012 | SBN Staff | National | Top News

    NEW YORK, Mon Oct 22, 2012 – Jon Corzine’s lawyers say allegations that he fraudulently ran MF Global Holdings Ltd. make “no sense” and that a lawsuit seeking to hold him and others responsible for the futures brokerage’s bankruptcy must be thrown out.

    Corzine, former colleagues and several banks, including JPMorgan Chase & Co. and Goldman Sachs Group Inc., filed papers on Friday night to dismiss investor litigation over MF Global’s collapse. The company’s Oct. 31, 2011, bankruptcy was Wall Street’s biggest meltdown since 2008.

    Plaintiffs led by the Virginia Retirement System and the province of Alberta, Canada, have accused MF Global in the U.S. District Court in Manhattan of inflating its ability to manage risk, obscuring risks from a big bet on European sovereign debt and improperly accounting for deferred tax assets.

    But lawyers for Corzine, MF Global’s former chairman and chief executive officer, said there was no securities fraud. They said the allegations merely suggested that Corzine mismanaged the company, was too optimistic, or failed to predict a liquidity squeeze prompted in part by credit rating downgrades.

    Corzine’s lawyers also said the former New Jersey governor’s ownership of 441,960 MF Global shares, including some bought in August 2011 when the exposure to European sovereign debt had peaked, showed that he had no motive to commit securities fraud.

    “Plaintiffs have not alleged any facts from which it could be inferred that Mr. Corzine knew prior to Oct. 30, 2011 that MF Global would not be able to survive,” Corzine’s lawyers wrote. “Plaintiffs’ theory that Mr. Corzine had fraudulent intent or participated in a fraud makes no sense.”

  114. Obama didn’t sign TARP on October 3, 2008 – Bush did and I find the ref to Obama in the article by a “journalist” rather peculiar to say the least.
    Banksters either have to have authority from noteowners to modify loans (where is this authority found and what if one note were sold more than once?) The alternative is they have to repurchase the loans (or whatever was sold) in order to modify them. I don’t know if carrie and anon are smoking the good stuff or what, but not being able to answer that question doesn’t tell me if they’re right or not, although I understand the question. From the hip, modifying a loan probably means the banksters can kiss the more lucrative insurance claims goodbye. Plus, for all I know, banksters are showing HAMP funds on their books as assets.
    I’m disappointed as heck that someone who got a “modification” has not reported here. I’d like to hear all about it.

  115. And Java,

    That answers also your Hamp/Harp question as well.

  116. Java,

    I just addressed this to you on a previous page. I believe it answers your question as to “why”? Anonymous addressed only the “how”. Until everyone becomes very clear on the “why”, it will have to be fought one case at a time in court.

    “how about just a simple Fraudclosure Moratorium”

    If a moratorium had ever been a consideration, we would have had one long ago. It is not in the picture… yet for a few reasons:

    1) Banks don’t care about the house. They care about the land.
    2) Once the land is theirs, they rebuild on it.
    3) Constructions have always been the barometer according to which a country’s economy is rated. The more ongoing construction, the stronger the economy.
    4) As construction picks up, jobs are created and the economy improves.
    5) Banks can then resell that same land and recreate a new bubble.
    6) Having saved the economy, banks endear themselves to government officials even more than they already have by facilitating investments and speculation.
    7) They become forever exempted from any regulation whatsoever since it becomes obvious that they have the know-ho and the power to get government out of the pickle it has created for itself.

    Machiavellian and yet so… elementary!

    I believe it was the original idea. Obama was too naive to see it when he should/could have and had surrounded himself with bankers such as Geithner anyway. I doubt he will have the opportunity to make amends, even if he ever wanted to: e second term seems to become elusive Romney will push for the banks: he owes them everything. They taught him well! Either way, the plan was very well laid out.

    I don’t know if you are currently watching that History Channel multi parts documentary “The men who built America”. I happened to catch it Saturday. You look at Vanderbilt (Anderson Cooper’s great grandfather, mind you…) and how he was destroyed by Rockefeller who, in turn crushed Scott but was defeated by Carnegie, etc.

    Nothing has changed. Today’s names are different. The methods haven’t changed a bit. For right now. But it is changing. Very, very slowly.

  117. Carrie,
    if what you (annonymous) is posting is true (and i believe it is)……..then please answer me this, because i dont understand for a minute, WHY DIDNT THE BANKS APPROVE EVERYONE FOR HAMP/HARP ?????….when my eyes were still closed to the fraud and i just needed a hardhip help, why wouldnt they “helped me”, have got my signature on a new note, i would have been paying the past 2 years and most importantly would still have been oblivious to the fraud…..

    if i was criminal and had a chance to make my theft go away on a do-over, i would sure as hell make sure i got the new deal done ….

    so why not ??????????????????????/

  118. “…the banks were wrong when they pretended to issue mortgages with the money of pensioners and retirement accounts…”

    Of course they were. Security investors are never the creditor anyway.

    @Neil and Andrea—here’s the REAL money trail:

    (from ANONYMOUS):

    “…not trying to discredit Neil — only trying to WAKE HIM UP.

    HARP/HAMP is AFTER the fraud, it is to remedy the fraud (if that is possible), but NOT the beginning of the fraud.

    The fraud occurred before HARP/HAMP.

    The notes are not NEW notes, the notes are not notes at all, HARP/HAMP tries to get borrowers to sign to modify the debt — as if it was a valid mortgage with a valid note.

    HARP/HAMP is a continuation of the Fraud — not the original source.

    The subprime refinances were already modifications of default debt — but, no one was ever told.

    HARP/HAMP just allows borrowers to modify the default debt — AGAIN.

    Refer to the TARP Oversight Panel November 2010 report — footnote 35 — “Without the note, a mortgage is unenforceable, while without the mortgage, a note is simply an unsecured debt obligation, no different from credit card debt.”

    Mortgages were not validly discharged/cancelled by a subprime refinance.

    The mortgage, as GSE charge-off, remains with the subprime refinance only serving as modification to the (false) default debt.

    Were the subprime refinances presented as a valid mortgage to the borrowers??? YES.

    But, this was false and fraudulent.

    They were NOT valid mortgages, as the mortgage remained intact — only by servicer advance —not by the borrower refinance.

    And, the servicer “modifies” the original “note”, by the subprime refinance, on behalf of an identified creditor/”investor” – mortgage remains.

    Borrower remains in default status with GSE.

    Does a valid UCC negotiable note exist by the subprime refinance??

    Of course not, the prior mortgage was never validly discharged, and although the servicer advances, the borrower is NOT recorded as paying.

    In effect, the actual borrower on the subprime refinance is —- THE SERVICER — (on behalf of the actual JUNK debt buyer creditor/”Investor”).

    HARP/HAMP just continues to “modify” the false default — HAH — if you are LUCKY (not really LUCKY).

    Yes– Corridor Agreements exist — and are buried reference in Registration Statements (S-3), and Prospectus.

    Possibly not even referred to at all. And, certainly not filed as viewable with the SEC. .

    Correspondent brokers and bankers, YES, made a bundle on the deals — irrelevant to the borrower — except they paid for in the form of higher interest rates on the modified JUNK debt — called a subprime refinance. .

    All subprime loans (falsely called refinances) were sold to one of the big banks.

    Only the big banks had contracts with GSEs.

    The banks then securitized (passed-through cash flows — that is all securitization is) — to security investors.

    The very structure of the REMIC subprime was to provide credit enhancement to generate AAA ratings.

    But, the Prospectus said otherwise, the Prospectus clearly states how the certificates to “risky” loan contained in the REMIC are sold TO THE SECURITY UNDERWRITERS — who do NOT report financial statements to the IRS — their parent corporation does.

    Further, securitization must involve removable of receivables from the corporation’s balance sheet.

    By transferring the pass-through to off-balance sheets, the corporation was able to avoid reporting that the loans they “securitized” were not actually loans with valid receivables, in fact, they were COLLECTION RIGHTS to default debt, by which the corporation could only report the cash received as income — not receivables.

    BINGO — invalid securitizations — and, that is why the subprime REMICs collapsed…”

    OH, but Obama and Romney say nothing “illegal” was done…

  119. The bill of goods everyone was sold and the pressure everyone was under to throw away common sense and economy 101. Long article. Click on the link for the entire article. Worth reading.

    Monday, October 22, 2012
    Project S.H.A.M.E.: Recovered History: How Wall Street-Funded Self Help Propaganda Greased the Real Estate Bubble

    By Yasha Levine, an editor of The eXiled and co-founder of Project S.H.A.M.E., a media transparency initiative led by Yasha Levine and Mark Ames.

    I was passing through the Mojave Desert and by chance stopped by a local thrift store in Joshua Tree. I’m glad I did, because I spotted a book that I just had to own. At $0.50, it was priced to sell. And as you can tell from the title above, the book’s a classic. It’s bound to remain fresh and relevant through the ages—not as a useful guide to homeownership, but as a fossil record of the biggest real estate scam in the history of the United States.

    A lot of people still wonder how and why so many millions of people bought such ridiculously overpriced homes and took out mortgages and loans they clearly could not afford?

    That’s what I kept wondering when I moved out to Victorville back in the Spring of 2009 to do immersion reporting from the front line of the real estate meltdown. Located about 100 miles east of Los Angeles on the edge of the Mojave Desert, Victorville got higher and crashed harder, in terms of real estate, than almost any other place in California. It doubled its size to 100,000 in just eight short years, growing from an isolated hick outpost into a booming commuter suburb filled with the cheapest McTractHomes south of Fresno. By the time I got there, Victorville was a ruined city filled with empty master planned communities, some of them half built and abandoned, rotting dry in the sun. I spent nearly two years reporting on the real estate swindle out there, and I never could stop thinking about the central question: How the hell were people coerced into moving out here? Why would anyone think that buying a $500,000 house in a desert 100 miles away from Los Angeles be good idea, no matter what kind of loan deal you got or how booming the market. What kind of propaganda were these people subjected to?

    Well, this book provides a part of the answer: people were explicitly instructed to do so.

    The Automatic Millionaire Homeowner hit the front bookcase displays at Barnes and Noble in March 2006, at the very top of the real estate market and just a few months before the whole thing crashed and burned. Its main message was simple: If you take out a mortgage to buy a home, you will always make money. There is no way you can lose—no matter when you buy, how much you pay or what type of loan you get. And the kicker is: both the book and finance expert who wrote it were bankrolled by Wells Fargo and Bank of America.

    This book is just one of dozens—if not hundreds—of similar self-help snake oil guides promising a sure bet system to get rich in real estate. But it’s a good example of the massive propaganda effort financed by Wall Street that was designed to funnel as many people as possible into the mortgage meat grinder. The book was packed with blatant lies that seem so obvious and even comic in retrospect. The book was not put out by some shady fly by night operation, but by a supposedly credible financial expert who had the backing of the most well-known and respected banks, TV networks and newspapers.

    But the whole thing was a fraud, shamelessly boosted by some of the biggest names in news media—none of whom have been held accountable for their role in defrauding millions of Americans.

    So let’s take a look…Crack open the book and turn to the introduction, it begins like this:

    What if I told you the smartest investment you would ever make during your lifetime would be a home!

    What if I told you that in just an hour or two I could share with you a simple system that would help you become rich through homeownership?

    What if I told you that this system was called the Automatic Millionaire Homeowner—and that if you spent an hour or two with me, you could learn how to become one? [emphasis mine]

    Would you be interested? Would you be willing to spend a few hours with me? Would you like to become an Automatic Millionaire Homeowner?

    Read more at http://www.nakedcapitalism.com/2012/10/recovered-history-how-wall-street-funded-self-help-propaganda-greased-the-real-estate-bubble.html#G33FwyMcqlmtWxPF.99

  120. Andrea’s correct website address is: http://www.newsjunkiepost.com/

    (“news”) Thanks for article Andrea – will check out your site for sure!

  121. think just about everyone applying for HAMP could sign their name to this article as their own……good to see ZeroHedge is becoming mainstream !

    PS …..Fuck You Obama !

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