Gabor -

Well said!!  I firmly believe what goes around comes around!!  So, James. be nice!!  Plus, if you (Jim) needed help due to job loss, death, divorce, etc., I guarantee your tune would change.

Chris - I agree with you that Americans need to learn to live within their means.  There are plenty of people who should not have bought homes they could not afford.  Since you are not from the US, you are probably not aware that the majority of Americans who have no knowledge with mortgage finance relied on what we call mortgage brokers or bankers.  They relied on these professionals and paid them an exhorbitant amount of money to look out for their best interests, and find them a loan they could afford.  Most of these people were told that when their ARM (that means adjustable rate mortgage) was set to adjust, just to come back in and they’d be able to refinance. 

I think what you’re missing here is the fact that the securitization of loans and the predatory lending is what brought this country to it’s economic knees.  My knee jerk reaction to your type is to rip your head off but then I realize you are simply an uneducated,  person who has no idea of the cause and effect of what has happened here in the US with regard to the mortgage market. 

Sorry to disappoint you but I am not the type who caused the housing bubble.  I didn’t buy in an overvalued house in the boom.  I participated in my definition of capitalism.  I bought a home every two years (avoiding capital gains—that is a tax definition used here in these United States that provided me an opportunity to make a profit in the real estate market without paying a tax on the amount of money I earned).  I moved my family into a home that needed rehabilitation.  We worked full time jobs and remodeled homes before work, after work and on weekends.  I can see how your interpretation of “real estate investor” would lead you to believe I flipped houses or was solely responsible for the cause of the housing bubble.  I’m not complaining.  I relied on the economic conditions via our government to my detriment. 

Once I realized I did not single-handedly securitize the loans that were sold on Wall Street, nor was I responsible for the corrupt business practices and creative accounting methods used by the banksters, nor did I play a part in the predatory lending, perhaps your definition of financial fuckery, I realized that I was not responsible for the inability make my mortgage payments.  Forces outside of my control were a direct result of the cause of my inability to
pay the mortgage.

FYI - I wasn’t leveraged.  I bought my homes with cash.  So once again “my types” didn’t cause the housing bubble.  Rather than complain, I’m doing my best to educate people like you who are obtuse as to why the housing market spiraled out of control. 
I’m not complaining.  In fact, I was smart enough to read between the lines and realize that MHA was designed for the banks to make more money.  So I have not participated in the scam called MHA/HAMP.

If I somehow lead you to believe that I wanted your sympathy, I apologize.  I don’t want your sympathy or anyone else’s.

Jim, since your prosperous country will probably continue to decline and you’ll be out of a job, I’ll ask the people to save you a spot under that bridge.

You whiners aren’t worth my time.  Divorce.  Dismemberment. Problems. I don’t care.  Why must your problems cost me?  I have climbed and worked (tree work) with 4 broke ribs—cause I got bills to pay.  You wussies got not fuckin clue.  Pay your bills or go move under a bridge.

Lori:      Very well said. Have you wrote to CNN yet?

What is cnn?  Got no TV or phone cause they cost, but am getting Inet off my local t.own’s wyfie or however it’s spelled

Hello Gabor.  I have not written to CNN.  I will.  Please join as at beingmiddleclass.org - we are a group of people sharing information in hopes of educating the Jims and Chrises.  I have enjoyed reading your posts and welcome you to our forum.

That is fricking funny.  “Lori” is here touting his website.  Gonna school me.  My house and rent properties are paid in full.  By hard work.  If everyone would just pay their bills instead of wanting me to bail them out….

Chris from New Zealand —the shit hole for an excuse country that you live in, that sucks up to the world’s despots exists only because brave, not lazy American boys saved your parent’s and grandparent’s asses. Because of our sacrifices, you can now sit on your holier than thou thrones, contribute no troops to the world’s troubles spots and criticize those who saved your sorry asses. I hope that your country is the first country that Kom Jong-il or Mahmoud Ahmadinejad nukes to oblivion. Then you can sit on your glowing throne and say,” ..shit, I never saw that coming.”

As I read through these replies, it seems those with the most to gain have the least compassion and the worst language. Chris and Jim, please do the world a favor and just get off.

Lori Thank You. Here is the cnn info where we can all ask to make a special about Loan modification nightmares. However I feel that our media only report what is allowed to.  If CNN would start to report on this, the truth would come out. Also athor news stations would follow,
than all the banks would be up the creek without the paddle. Our citizens would start to demand that our government force banks to work with the homeowners.
Because what I see even in this article. The Banks just ignore the homeowners.
There is way more foreclosures than we have been told by the news.

http://www.cnn.com/feedback/forms/form11b.html?1

Lori. Thank You.
I tried to put the cnn website but every time I do this, this website holding it for moderation and does not show my writing. I wonder why?

Gee, if I knew they had internet access under the bridges, save some space for me.  Honestly, I think
that New Zealand is beautiful, high cost of living but beautiful.  But as to the topic, the HAMP program was advertised to help stabilize the housing market and they sold it to the public as a helping hand, which of coarse we pathetic millions had to find out the hard way was a hand to push our heads under water.  I haven’t met anyone who got involved with
the modification process that was looking for a handout.  Like many, I worked three jobs, was current on the original mortgage and asked if I could qualify as a result of a work injury that resulted in a fractured patella, torn miniscus and numerous lacerations including the face.
I was qualified for a temp modification and it was the bank, Wells Fargo, that took government money
as a reward to place me in a modification.  I haven’t received a cent from anyone, but instead of informing me that I didn’t qualify at the time of my disqualification, it took an additional 5 months of modified payments and an inquiry from the Treasury Department for Wells to realize I was put on a back burner.  The government isn’t going to pay my deliquencies, the government isn’t going to pay my bills, but somehow I feel that mistakes and greed manifested by the banks should be a shared consequence as well.  I am glad that there is a bill on the floor to help borrowers succeed within their
original loans if they aren’t modified by compelling the banks to incorporate the past due amounts rather than accuse the borrowers of being lazy non paying schmucks which is hardly the truth. It is an emotionally and financially exhausting endeavor and one has to be thick skinned and determined to survive the ride. 

By the way, I was modified.  Even so, I say to those nasty critics who have so much to say about something they do not fully understand nor appreciate.  I neither earned as much as a penny from the modification and the banks will make out even better.  The bank incorporated the past due they actually created, reduced my rate but increased the term.  They make more money, I keep my home and it didn’t cost the man under the bridge (whom I would say shouldn’t pay taxes though he insisted he does)any money.
You know, in my world this is a win win and could have been achieved in a single day. 
So who is wasting time, money, energy and trust?
I would beg to say it is the one receiving the government money and it wasn’t me.

My problem is I was screwed by Countrywide first, EMC second, Indy Mac third, One West fourth.  I would truly like to know why any of these crooks are still around, and why our government feels the need to take taxpayer money; and give to the one’s that created the mess like Wall Street and our government?  We have such incompetence in our system it will be a wonder if it isn’t know as USA, Republic of China by 2050.  We no longer fund America, our children’s education has been stolen by government and sold to people like Diane Feinstein’s husband who has made a fortune off the blood of American KIDS!

It all starts out like in CHRIS’s New Zealand, just read that you have your own bailouts going.  Rather than me ruin your fun let me share the article so everyone is aware of your holier than thou attitude.

It is titled “South Canterbury bailout bill: $405 each”

This is the way it starts Chris, not with homeowners;
It starts with the government.  I agree USA has the worst and corrupt politicians that I know of.  I have only been watching and reading close for the last 30
years.  So I guess I might have seen these things before.  I also see people working (including myself
harder than they have ever worked in their life).

Explain why your darling model “Rachel Hunter” chooses to live in the US instead of her beloved New Zealand?  Remember the way I know is she lives nearby me and my husband was actually on tour with the Mister in the 90’s when I met her, and she is no longer Mrs. Rod Stewart.  The children’s father is in England, not here so that can’t be the reason.  Have a GREAT day CHRIS!

Here is the article http://www.nzherald.co.nz/business/news/article.cfm?c_id=3&objectid=10670276

You are right Liz!  But until people March in Washington against what the Banks have done to the Home Owners Who is going to care!!!!!  Sombody has got to really see what they have done to the peope!!!!!
Imagine all the people waiting for Loan Mod in front of the White Hiouse getting Press about how the banks have treated them!

Susan:  You are right. The only way to get attention about this if people start to protest by 100s of thousands.
The problem how are we going to get there from all around the United States including Hawai.
The politicians know this and this is why they don’t care.

Our congressman and congresswoman suppose to represent us to show our frustration about these Banks but they too busy doing other things. I tried. I contacted all of my representatives. You know what the answer is?
“We can’t really do anything because we have no authority over the banks.”
Maybe congress should have some jurisdiction since they give them billions. Or this was just for Bonuses for wall street? I wonder how much kick back representatives received from the bail out when the banks received the money.

Miss V.  I Agree.  We do have the worst and most corrupted politician. It is funny that 435 people in congress another 100 in the senate can ruin almost 300 million peoples lifes, and nobody is doing anything about it.
There is about 1or 2 % who is benefiting from these corruptions.

Back in the old country we had a revolution to change the corrupt system. Unfortunatelly the Russians were stronger and we lost.  But at least we tried.

How do other people do it! How do they march for civil rights and for prop 8 and everything else they wan noticed. They get somone to organize an email to all the people maybe Pro Publica can help and they get on busses get a permit and march. Mayve we could get our principal lowered to what our homes are worth and get the loan mods taken care of. Instead of us bailing them out! it is time to be heard. I have heard of too many families giving up some where the head of the household has comitted suicide because of these banks when will it end.

Susan In California several families committed suicide because the Banks were foreclosing on them. While Jamie Dimon and other bankers laughing all the way to the bank. And his comment was. Foreclosing is a moral thing to do.
Count me in I am for the protest.

This really is a forum for the folks affected by loan modifications to share their stories and others to learn.  It would be most appreciated that you fill your time elsewhere doing something more positive and rewarding.  At the end of the day we are all human beings and should treat one another with respect, consideration and kindness.  I am sure your parents told you the same as mine, “if you do not have something nice to say, do not say anything”.  These are small stores and know one knows what others have been through and their whole story.  Everyone is having a difficult time one way or another.  A little kindness, please??!!

To all those who with Chase. 
Visit youtube and type in
Chase Bank collaboration with the Nazis

Gabor—thanks for the heads up on Chase and its dealings with the Nazis. I’ll use it for future reference. Tells me Chase is about as American as is our pretender president and his puppet congress.

So this entire thread is about a bunch of fat, mentally defiant folks that bought a house on hope.  Blah blah on the lenders.  Where I grew up, that math was taught in the 4th grade.  No one can be that stupid.  If they are, they belong under a bridge.  Reminds me of the bumper sticker— “Illiterate - write for help”.

Hope for a job or loads of food will not pay the note.  Lots of hard work and money management will.

And really, who the fuck gives a shit about anything new zealanders have to say about this issue.  Their lamb smells like shit ... so to must their thoughts.

and where did ‘lori’ go?  His post about “your country” and his touting of his website was telling.  Grammar and syntax was mid eastern.  Funny shit.

Jim—

Is there a reason you’re on this blog? It sounds like you have all the answers and your house and future aren’t the least bit imperiled.

It’s apparent to me that you’re an angry person and totally out of sympathy with anyone who isn’t sharing your prosperity. But nobody I know, and no one I see in these postings, is losing their home for being irresponsible. Jobs that should have gone on forever have simply dried up or been exported to other nations where starvation wages are the norm. I assume your situation doesn’t fall within those parameters, and you should be thankful for it — but please don’t condemn those enduring horrible economic situations you can’t even imagine.

One final thing that troubles me is your appalling language. Really, a filthy mouth is the mark of someone who doesn’t possess the education to express himself intelligently. Please, for your own sake, don’t allow the world to perceive you as some kind of dimwitted schmuck.

After months and months of trying to get a “trial mod” and being on that for 7 months and now being told I have a permanent modification but I can’t decide whether or not to accept it because basically I’m being told “trust us” (LOL TIMES 10) that it will all be ironed out and all I need to do is sign whatever they send me..  So anyway someone was going to call me back last Thursday to explain.
Oh, it just keeps getting better. I’ll have to post names and phone numbers later (a million names and numbers and notes scattered here there and everywhere. Why is it when you need a notebook all I can find are envelopes with little patches of places the write on. I HAVE notebooks, I just can’t find them)

Anyway, I digress. So I turned down the offer ($3,000 is quite a bit when the whole loan is relatively small compared to some I’ve seen here). for my modest home modification since it wasn’t just the $3,000. I didn’t know if they credited all the payments I’ve made (two in January due to a mix-up) I don’t know if the payment they quoted is including the insurance which I have paid until now and if it doesn’t then my payment is for all practical purposes the same or higher.

Last Friday evening when the time had come and gone for the last FedEx pickup time, I sat on my patio looking at my beautiful garden, thinking how soon winter would be setting in and my garden just a memory and wondering if I’d get to enjoy it next summer. Then the phone rang and it was (shoot me, I don’t have his name) somebody quite positive in nature and from Bank of America mobil notary department. He was calling me about my permanent modification and I quickly told him I hadn’t signed it because I didn’t understand and there was no information at all about the numbers, where they came from, had my payments been credited since I don’t trust BOA at all. He said oh that’s no problem as long as we make an appointment for the notary to come by with your papers then the offer will be extended until then. I told him someone just that afternoon with BOA told me I didn’t need to have it notarized based on the state I’m living in (confusion, lol) i.e. Missouri. Anyway he was really upbeat and seemed very enthusiastic for me getting the modification and he said he would tell someone with the answers that I needed explanations etc and they would “fast-track it” and “get this thing through”. So I made an appointment for Friday September 3 and Sept 24 for a backup date for the notary. So then I thought well maybe so maybe it will work out. But halfway through the next week no one had called and the regular number was the same pass-around game. Then about 9 p.m. Wednesday I got a call from someone with answers, she said. She said they use the same generic form overall and that the form is designed for people who haven’t been paying. well I thought if you didn’t pay your trial mod payments you were SOL.

GEEZ I WISH I HAD MY APPLE COMPUTER BACK I CAN TYPE SO MUCH EASIER THIS IS MAKING ME CRAZY.

But she said all the payments I’d made had bone into a “bucket” and that bucket sum was what was added on to the end of my and I said why is it added on if I’ve been paying it and she said yada yada same form yada yada. Basically where we left it was she was going to look all this stuff up for me and call me same times Thursday night.

SURPRISE, no phone call on Thursday and no notary on Friday so I guess this was just some more of BOA’s tricks/games/incompetence whatever. But on Wednesday she told me that basically “hey you can trust us to straighten it all out because a lot of our customers are like you and if we made everyone mad we ‘d be getting overloaded with calls. I said TRUST ME, there are people who are already ticked at BOA and you know we can’t reach anyone. But she said not a problem she’d get the figures and call me and so thats where that is. Another right hand / left hand not knowing and all kinds of other silly stuff.

So I dunno, I know nothing except I am so depressed I’m worth nothing to anyway.

Reading what Mark wrote about his complaint going nowhere because Saxon regurgitated a bunch of lies and the Feds bought it, that sounds about right to me.  I filed a complaint in January because my payments weren’t being cashed and when I finally got an answer it basically said BOA said its all taken care of….. write again if we can help.

HELP, you gotta be kidding me.

Oh wow, I just read some of “Chris” b.s.  If there is anyone with some tar and feathers and some really big sticks the temptation would be to trach “Chris” down and find out what his REAL story is.  There are sadists and perverts all over the world and the internet.  Interesting but not surprising to see they found their way here.

The only thing remarkable is that he didn’t bring the usual “backup squad” to reinforce his worthless opinion as fact.

Oh, silly me, I spoke to soon.  What a coincidence that after “Chris” finally gave up and went away that AMAZINGLY “Jim” shows up to take over where “Chris” left off.

If there is a hell, you, whoever you are, belong in it.

Pastor Dave Thank you for telling this guy Jim hi is a schmuck. I believe when he wrote these he was probably drunk, or Under the influance of something.

Maybe he should be busted for Writing Under The Influence and locked out of this website because he either had an abusive childhood or just a simple Bozo,
who have no class how to behave in public.

To all of you who are with Chase.Here is another article about Chase

JPMorgan Chase & Co. admits link to slavery
By Makebra Anderson
Updated Feb 9, 2005 - 12:20:00 PM

http://www.finalcall.com/artman/publish/article_1797.shtml

To all of you who are with Chase.Here is another article about Chase

JPMorgan Chase & Co. admits link to slavery
By Makebra Anderson
Updated Feb 9, 2005 - 12:20:00 PM

http://www.finalcall.com/artman/publish/article_1797.shtml

Sweet chocolate christ, the folks on this thread represent all that is wrong with this country.

Fact—banks and lenders will try to screw anyone any time.  Fact—most folks can’t or shouldn’t be home owners.  Fact—things always change, never for the better.

Funny yall should talk about my language ... the language of a WORKING man.  I only depend on myself for my pay, and yes it is hard and makes me angry.  Many here seem to hope their fortunes will be made by others, which means me, and that makes me angry as well.

Enough of my whining.  It’s 2:30 am, time to get up and start a pot of beans and get to work.

Thank you all for posting comments. It has actually been very interesting to see that my family is not alone. I really do appreciate you all sharing your stories about your struggle with the banks.

It is good to know we are not alone, but at the same time it is disturbing how these banks are running themselves into the ground, and dragging some families along.

One person made a comment about how the banks have other investor firms that would handle a single client, but would easily misplace paper work due to not having enough copies. I found that interesting.

My father couldn’t be more correct, they do have a cube to figure out their decisions…

I think there is enough blame to go around for everybody….the lenders, Wall Street, and the the people getting the loans. People may have been pushed into ARMs but please spare me the “I was tricked” routine. You signed it you deal with it. If you were “forced” into an ARM then maybe you should’ve walked away. I’m sure those loans are more profitable so people were pushed towards them, but I would bet a good portion of people leapt at the chance to have a $900 ARM payment vs. a $1100 30 year fixed payment without seeing what was going to hit them down the road. Everyone shares in the blame and no one is blameless.

Chris,
Eat shit and die…..

Regards,
Duncan

jim

Today, 3:32 a.m.
Sweet chocolate christ, the folks on this thread represent all that is wrong with this country.

Funny yall should talk about my language ... the language of a WORKING man.  I only depend on myself for my pay, and yes it is hard and makes me angry.  Many here seem to hope their fortunes will be made by others, which means me, and that makes me angry as well.

Jim, you represent all that is wrong with those without the humility to see that in spite of your arrogance you too could fall on hard times.  I wonder what sad story you will come up with when that uncomfortable shoe is on YOUR FOOT.

You might be surprised out how many people who don’t sound at all like you (and hopefully not as arrogant and/or hateful) are hardworking people.  “Y’all” don’t have a corner on the claim to be a member of the working class.

And lets face facts, if you were as “together” and happy as you say you are, you wouldn’t be spending your time here showing what a jackal you really are.  Buit thanks for letting us know what to watch out for, i.e. PEOPLE like you.

Oh, and Jim, don’t quit your DAY JOB, your crystal ball is in need of some fine tuning as your mind reading is just a shade screwy but then that figures that you spend so much time being judgmental you forgot to mind your own business.

I used to be a loan originator.With the exception of a hardship affidavit/ letter, and a more detailed list of monthly expenses,the documentation for a modification is the same as the doc’s required to originate a new loan.Why , then , does it take so long to modify an existing loan ?
I now assist people in getting loan mod’s and here is what I have found.When an insurance co. gets a claim, their SOP is to deny,deny,deny,deny ( I have been denied 3 times in some cases before getting an approval ) That way a huge # of homeowners simply give up.Never give up. Be persistant.The trick is to get past the army of customer service reps and get the direct tel.# of the underwriter, the underwriter’s superior, the superior’s superior and the negotiator.Then call EVERY day.( I have these #‘s for BofA.If anyone has these #’ for the other big guys ,please let me know. )
If you ever receive a denial, request in writing the reasons for the denial and the NPV ( net present value ) vaules used and the date these values were calculated.Then challenge and appeal the decision and the values.

@Michael; I am surprised to read that you can obtain the NPV from the lender. I was told this was a “secret” and have seen cases where even the lawyers ca’t extract it. This hampers an appeal, working in total ignorance. No way to see if they erred on your case.
Do you have a way around this “nope nope nope” I hear??

Look, I could write a bunch of shit that yall will never be able to understand, but basically, my question is—why would you want me to guarantee your house note in a place you will never find work?

I mean really, why would you want to stay there?  There are no hard times here if you are willing to make some changes.  (In all likelihood you would be fine where you are…)

For real, what did you do for me in the 70’s and 80’s to help me with my house note when I was having trouble?  If nothing, why should I help you?

I got myself out of the bind by working 18 hours / day, 7 days a week at pickup jobs.  Quit telling me my fortune might change.  I can deal with anything life throws my way.  Can you?

Jim—

You’re obviously a bitter and angry man, but I haven’t seen anyone on this blog asking you for help them. I don’t anyone wanting you to guarantee a thing. If you’re upset that the government might guarantee something, then you need to go talk to the government.

One thing I think you fail to consider is that in the 70s and 80s, when you were working 18 hours a day, 7 days a week, there were jobs to be had. Today, those jobs have been exported to Mexico, China, Taiwan or wherever starvation wages can hire something done. And those jobs left are being taken by cash only, non tax paying illegal aliens.

At this time in your life, you obviously don’t need those jobs to be available. But others who would gladly work them find they no longer exist.

So here’s what it really boils down to. There are a lot of people who can’t make the choices you made because the opportunity has been removed. Which brings me to the question of what pleasure it gives you to put them down? Do you believe your cutting comments are going to somehow help someone? Do you believe you’re helping to ease someone’s burden?

Jim, you are to be commended on digging yourself out of a serious problem 25 or 30 years ago. But I can’t commend your language. I know you know better,so why the potty mouth?

Do everyone a favor, Jim, and stop trying to hurt people who are hurting. It doesn’t take much of a person to kick others while they’re down. Why not go find somebody else to pick on?

I originally filed for a home modification after a 3rd unemployment due to the recession. The 2nd was directly tied to Chase acquiring Bear Stearns. I then got a job for a school district that was hit with budget cuts. At that point I was faced with 2 choices go on unemployment, get states services for my son and I, and for the first time in my life I am 51 I was collecting state health insurance, food stamps, and unemployment. I could not make my payment for 4 months. Washington Mutual started my home modification after I finally secured a job in June of 2009. In December Chase acquired them and my home mod started all over. I qualified in the 9 out of the 14 months I have been in the modification. My son now receives a SSDI check due to my ex-husbands disability which according to Chase puts my mortgage at 29% of my income not the 31% required. This is the first time in 10 years that I would be receiving any help for my son (includes 10 years of no child support). I was notified by mail that I did not qualify. The letter stated that Chase has several options yet I have not heard what they intend to do. I want to keep my home I have never missed a payment in the 25 years I have owned the home until this recent recession begun. I have done all the right things including going back to school for which I owe student loans for. I don’t know what will happen and I am not happy. I have made every payment on time since returning to work in June of 2009.
I am getting to the point where if Chase wants my home so bad they can have it 1st and 2nd mortgage both which they hold. I would think it in their best interest to approve me.

Jack,

If the difference had been between a 900 & 1100 month payment, I would agree that it was foolish to take the ARM. In my case the difference relative to the specific loans was an additional posints by down of almost 10K or the payment being almost 1500 a month less. These brokers are sneaky enough make certain that the difference is significant; so much so that the choice is clear.

As for jungle jim’s ascertation about going where the work is…. has it occured to you that in many cases, that is not possible? I have a child who was physically abused bu the wonder public school he was at. He suffers PTSD and this home is the ONLY same place for him. Moving could be DISASTEROUS.

Oh and how’s that earthquake relief coming down there in NZ. I hope you are not asking for any assistance!

I agree, Carol, it seems to me to the benefit of everyone, even the hard-pressed “Jim’s” among us, to keep us in our homes because I don’t know about your neighborhood but in mine there are too many homes that are abandoned and the banks that oversee them don’t tend to them, the grass and weeds are as tall as I am, they are neglected and depressing to look at.  Why are they so eager to add more homes to the list of abandoned ones when it destroys the neighborhood and just adds a more graphic image of what has happened to us, to the homes we used to call home.

Have Jim and Chris (giving the benefit of the doubt they are two and not one) given any thought of what it does to their home values to have all these neglected and abandoned houses proliferating the neighborhood?  It’s not helping anyone but I did see with the latest financial reports that Bank of America, for one, had a stellar profit-making year, happy damn day.

Stop wasting your time with Chris and Jim, those two must be recession proof, just a pain in the rear.  Unfortunately the banks are not helping anyone, only if it’s to their benefit. You can report your bank to the Better Business Bureau by email and if your bank should be Wells Fargo, contact the Better Business Bureau of Des Moines, IA 50309 This is the only way I have found to get to a response from WF.  Wells Fargo has received an A for their services. This bank should receive an F for failure, nothing will change until everyone has reported their lack of progress with their banks to this Agency.

Jim -

I teach 4th grade Math & I can assure you it’s A LOT more involved than simple addition & subtraction.  After reading your posts, I have to laugh and can only wonder if you even made it past the 4th grade.  Dude, you would’ve failed miserably not to mention your anger issues would have you placed in a “the behavioral class.”  Your language would get you expelled.  Hey, you’d probably even make the news for exhibiting highly inappropriate, violent tendencies - that’s “teacher talk ” for “you’re nuts!”

Grow up & clean up your act.  People here are working very hard to keep the homes we bought years ago.  Everyone here works as hard as you do.

Have a wonderful day! :)

Sam: The profit statements for these big banks who brought this country to its knees and helped destroy the job market.  They enjoyed one of their highest profit-making years, happy days for them.  After throwing so many lives into chaos its business as usual for them.

the thing is, I guess thats nothing new.  What is new, or relatively so, is that our government seems to be enabling them despite their unethical and immoral behavior.  Deeming them “too big to fail” really should have been stated as “too much influence in DC to fail”

Thats the hardest part of all, with our government’s assistance it has used the taxpayers who are being affected by what they do to enable them to keep going.  they should have failed and gone by the wayside and served, if nothing else, as a warning to future bankers etc who would follow in their footsteps.  As it is now, its just a message to these unethical people that whatever they do is no big deal because uncle sam/the taxpayers is there to catch them when they fall.

Look, why do you attack me personally?  I can guide any of you off to an irc chat to try to solve some rather difficult differential equations that I have worried over for some 35 years.

Reverend bob, you got not a clue what the “government” is, do you?  Stick to whatever god to which you claim.

So, with the collective thinking here, if I go get some medical work done and send the bill off to 1600 Pennsylvania Ave. ... will the bill get paid now that we seem to have the ‘right’ for health care?

Is there anyone that will stand up for personal responsibility?  Christ on a crutch, what a bunch of whiners.