JPMorgan Chase Discusssing $11 Billion Settlement. DOJ DO NOT TAKE THIS.

JPMorgan Chase Discussing $11 Billion Settlement To End Crisis-Era Mortgage Probes

Posted: 09/25/2013 6:46 pm EDT

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$11 Billion Settlement, Eric Schneiderman, Fannie Mae, Freddie Mac, J.P. Morgan, JP Morgan Chase, Jamie Dimon, Jpmorgan Chase Fraud, Jpmorgan Chase Legal, Jpmorgan Chase Mortgage,Jpmorgan Chase Settlement, Business News

WASHINGTON -- Federal and state authorities are discussing an $11 billion settlement with JPMorgan Chase that would resolve numerous allegations of mortgage-related improprieties in the years before the financial crisis, according to people familiar with the ongoing negotiations.

The deal, if struck, would settle claims brought by the Federal Housing Finance Agency, the New York attorney general and end at least three separate investigations by U.S. attorneys' offices in New York, California and Pennsylvania. The potential deal would involve a $7 billion cash payment and $4 billion in mortgage modifications for troubled borrowers.

The negotiations are “developing by the hour," one person familiar with the talks said. It’s possible no deal will be struck, or that it could be much more limited and resolve only one or a few of the various probes.

The bulk of the $7 billion cash payment being discussed would go to Fannie Mae and Freddie Mac, the government-backed mortgage giants regulated by FHFA. The agency, led by Edward DeMarco, claims Fannie Mae and Freddie Mac were duped into buying junk mortgage-backed securities issued by JPMorgan and the financial companies it purchased in 2008, Bear Stearns and Washington Mutual.

FHFA filed its lawsuit against JPMorgan and separately sued more than a dozen other leading financial institutions in September 2011. The agency is trying to reclaim billions of dollars in losses sustained by the two mortgage giants, which were rescued by taxpayers at the height of the financial crisis in 2008.

The rest of the funds would be split between shoring up the Federal Housing Administration, which has claims against the bank for allegedly defrauding taxpayers on FHA loans; New York state; the U.S. government; and distressed homeowners, who could apply for mortgage assistance.

FHA, a government agency inside the Department of Housing and Urban Development that insures loans traditionally made to first-time home buyers and others unable to stump up big down payments, is likely to tap the U.S. Treasury for a bailout as a result of depleted reserves caused by soured loans.

JPMorgan has been resisting such a large payment, government officials said. But JPMorgan has an incentive to settle as many government probes as possible by Oct. 11, when the bank reports third-quarter earnings. Already, the bank has cautioned investors that it expects to incur a significant cost due to the various government-driven legal claims it faces.

Equity analysts who cover JPMorgan for investors have said the bank’s legal liability could depress its stock price and future earnings.

The various government entities also have an incentive to strike a mass settlement rather than file separate cases in court that could take years to resolve, particularly if the current settlement involves reduced payments or lowered loan balances for troubled borrowers.

Representatives for the Justice Department, FHFA, JPMorgan, and New York Attorney General Eric Schneiderman declined to comment.

JPMorgan faces a litany of accusations of mortgage-related misdeeds, according to its securities filings.

U.S. attorneys offices in California and Pennsylvania are investigating the bank’s allegedly misleading sales of mortgage-backed securities, according to securities filings and people familiar with the probes. In one case, federal prosecutors told JPMorgan in May that they had “preliminarily concluded” that the bank violated civil securities laws related to mortgage securities it packaged and sold from 2005 to 2007. A federal criminal investigation related to mortgage securities is pending.

Schneiderman last year sued the bank, alleging it misled investors when they purchased securities issued by Bear Stearns. Preet Bharara, the U.S. attorney for the Southern District of New York, has been probing the bank for possibly defrauding taxpayers on FHA loans, securities filings show.

In recent years, federal prosecutors and HUD have struck deals with Bank of America, Citigroup and Deutsche Bank, the German lender, to resolve allegations they defrauded taxpayers on FHA loans.

The current round of talks centered on JPMorgan intensified in recent days after federal prosecutors notified the bank they planned to file a civil lawsuit. The talks are being led by the Obama administration’s Residential Mortgage-Backed Securities Working Group, the formal name for the federal and state agencies with a stake in investigating mortgage securities-related wrongdoing.

The administration has faced criticism, particularly from federal lawmakers, over the apparent lack of cases it has brought against leading financial institutions for alleged wrongdoing committed in the years leading up to the financial crisis.

Defense lawyers that represent big banks have said in recent months that the Justice Department has ramped up its investigations into their clients.

Publisher said, "It's a Go" A LOVE AFFAIR WITH THE BANK

There is one thing I have learned over the past almost three years...


document...document...and document some more.


    In grade school I wanted to be an artist, like my Grandfather. In middle school I wanted to be a Veterinarian and of course the shortest Olympic Volleyball player. In High School, I wanted to become a journalist and an Environmental Law Attorney.

    There is a saying, God laughs as we make plans. If anyone would have told me that at thirty five years old, I would be writing a book about a love affair with a bank, I would have laughed. Then I would have said, who cares about a bank? Little did we know that the once "banking should be boring" mentality would all have escaped us come the "economic crisis" of 2008, and the scandals and crimes that  followed.

  There is something about time, and the more time passes, and the more I learn about the wonder that is JPMorgan Chase, the more I understand that they are criminals.  Although, I have met some wonderful people, that I believe have tried to do their best, I believe that once the process began, it turned into a run away train.  The lying and the mis-treatment never stopped, and I guess that is their retaliation for publicly protesting them on my property.

 

   
The ironic part of all of this is that I hate crowds, I don't like to be in a spot light, public speaking makes my knees shake uncontrollably! I'm just a normal, average gal, who now knows way too much about JPMorganChase, more than I ever wanted to know....
It's fall and instead of planting bulbs for next season I'm transcribing phone conversations...Really?

All I ever wanted was a chance to keep my home, a home that JPMorgan Chase now says, "You are not the owner of that property.." "....you cannot sell what doesn't belong to you..."

So, I will end with this funny story. It's hard to find any sense of normalcy during all of this, and I was talking with a great friend of mine while we were both doing the dishes after dinner about the goings on of a few of friends, so and so just had a baby, so and so just got engaged....and so and so are building their new home...etc.  and I'm here what? "Having a Love Affair with JPMorganChase...for almost three years?"

There was the name of the novel, but we would have to take out JPMC, because they would probably sue for using their name, and of course would never give permission to use it, especially with all damning stories of their behavior, and the negligence, and just out right lies...

"A Love Affair With The Bank"

It's like a Chase employee said in the beginning of all of this, "they could have remedied all of this in the first thirty days, they had everything, you saw it, I saw it, but they would just rather continue to lie to you then have to work with you."

It's a shame really.

Games of Stupid. JPMC the Master.

Seriously...


this is today, and that is all.


This has become so entirely stupid, the only words coming out of my mouth are "what the Fu*$."


smh

JPMorgan Chase: "Incredibly Guilty"

Posted: 09/20/2013 7:28 pm

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JP Morgan, JP Morgan Change, JP Morgan Chase, JPMorgan Chase, Servicemembers Civil Relief Act, Chase, Politics News

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An outside observer might be forgiven for thinking JPMorgan Chase isn't so much a bank as it is a criminal enterprise with a bank attached to it. Even before the London Whale scandal, Chase's documented list of crimes included repeated fraud, perjury, forgery, bribery, and violations of laws against trading with Iran and Syria.

It also shot a man in Reno just to watch him die.

Okay, that last statement isn't true. But the rest of the crimes on that list, and a number of others, are well-documented. And yet, remarkably, not a single senior executive at the bank has been indicted - or, to our knowledge, even been the subject of a criminal investigation.The bank just agreed to pay nearly a billion dollars in fines over the "Whale" case. And the SEC finally ending its practice of allowing criminal banks to "neither admit nor deny wrongdoing" when paying for their misdeeds. Chase admitted its guilt as part of the settlement.

In an even more dramatic break with recent practice, the Justice Department is pursuing criminal prosecutions in this case. But it's not clear that the indictments against two low-level employees will even lead to a trial.

We have written extensively about JPMorgan Chase's crime spree, but we have tried to be scrupulous about avoiding assumptions of guilt or innocence on the part of the bank's senior management. And in all fairness, the bank's leaders may not be involved in any criminal activity. They may simply be incompetent managers, incapable of ending criminal and reckless behavior among the employees for whom they are responsible. In that case the Board should step in and relieve them of a burden they're clearly incapable of carrying.

But fair is fair: At least theoretically, Chase's executives may be trying to run an honest bank. And Tony Soprano may just be running a waste management company.  But our outside observer would also be forgiven for concluding that crime is part of Chase's business model.

Sound harsh? A report on JPM's lack of proper risk management controls, appropriately entitled "Out of Control," documented a list of crimes which, as David Dayen noted, "reads like a rap sheet." Dayen helpfully summarized the offenses documented in the report, and you're encouraged to read his list in full. Even this heavily abridged version will have you wondering why the police dispatcher hasn't sent officers to the scene:

"Bank Secrecy Act violations; money laundering for drug cartels; violations of sanction orders against Cuba, Iran, Sudan, and former Liberian strongman Charles Taylor; executing fictitious trades where the customer ... was on both sides of the deal; misrepresentations of CDOs and mortgage-backed securities; violations of the Servicemembers Civil Relief Act; fraudulent sale of unregistered securities; auto-finance deceptions; violations of state and federal ERISA laws; filing of unverified affidavits for credit card debt collections; energy market manipulation that triggered FERC lawsuits; "artificial market making" at Japanese affiliates; shifting trading losses on a currency trade to a customer account; fraudulent sales of derivatives to the city of Milan, Italy; and obstruction of justice (including refusing the release of documents in the Bernie Madoff case)."

"1-Adam 12. There are 487's and other violations in progress at 270 Park Avenue ..."

And the list excerpt above is by no means complete. It leaves out Chase's central role in bribing officials in Jefferson County, Alabama to rig municipal bonds, and overlooks the "Burger King kids" - college-age youngsters hired by the bank to mass-generate foreclosure filings (so named by fellow bank employees because of their propensity for eating take-out fast food while generating the court documents they reportedly falsified).

JPMorgan Chase was one of five banks which agreed to pay billions in fines to settle charges stemming from massive and systematic foreclosure fraud.

Twenty-four states have enacted some version of the "three strikes" rule, which requires a jail sentence for anyone convicted of a third felony. And yet, as this chart shows, JPMorgan Chase has committed a total of four violations on one count alone, "Purposeful or negligent fraud in interstate commerce," which violates section 17(a) of the Securities Act of 1933.

Connecticut's Office of Legal Research clearly summarizes the penalties which individual bankers may face for violating the Securities Act and its companion legislation, the Securities Exchange Act of 1934:

"Corporate directors, officers, and others who violate these laws are subject to criminal penalties, administrative fines, civil penalties, cease and desist orders, injunctions, disgorgement (an equitable remedy to provide restitution to defrauded members of the public), private lawsuits, and orders barring them from acting as officers or directors of public companies."

Pop quiz: How many senior executives at JPMorgan Chase have faced criminal prosecution for the bank's serial crimes? How many have been personally fined, served with cease and desist orders, or been barred from acting as officers and directors of public companies?

You already know the answer: Zero.

Instead, bank executives have been allowed to "settle" these crimes by paying large fines with other people's money - specifically, shareholders who may have been deceived in the bank's latest "London Whale" case. It's almost as if the bank's senior executives lead charmed lives - or have very well-placed friends.

Even as the "Whale" legal crisis was exploding, Chase CEO Jamie Dimon appeared at the Davos financial "summit" sporting FBI cufflinks. Was he trying to tell the world something?

Now the government's issued "Whale" arrest warrants for two relatively low-level Chase bankers. That's encouraging, especially after so many years of inaction - but their choice of targets is not. Both indicted bankers are foreign nationals who may or may not be extradited under current agreements.

Yves Smith has an excellent overview of the state of play in the Whale investigation. The bottom line is this: Of all the targets the government might have pursued, these two bankers are among the hardest to locate and "turn" into witnesses against more highly-placed executives.

And it's far from clear there will be a government appetite for doing that. JPMorgan Chase CEO Jamie Dimon is a major contributor to political campaigns. Senior bankers were Attorney General Eric Holder's primary clients in his lucrative private law career. The same is true for SEC head Mary Jo White.

Good for them for finally taking more aggressive action. But the burden of proof is still on them, and especially Holder, to demonstrate that they will pursue bank crimes aggressively. That means picking cases and targets that can be brought to justice, and finding witnesses who can be persuaded to testify in return for leniency. It's hard to believe that there aren't more cases like that to be found in JPMorgan Chase's rich vein of lawbreaking.

Fairness demands that we say it again: It may very well be that the leadership team at JPMorgan Chase is  shocked - shocked! - at all this criminality, and may simply lack the basic managerial skills needed to end it. But we can't help thinking of the line from Mel Brooks' The Producers, when the jury foreman is asked to read the verdict against Zero Mostel and Gene Wilder. "We find the defendants incredibly guilty," intones the foreman.

JPMorgan Chase's crimes cry out for a jury like that.

***************************************************************

This story was from the Huffington Post. 

 

It's Easier to Pretend that You Don't Care, Than To Admit It's Killing You.

I woke up this morning and I can't care today...it's easier than admitting that JPMorgan Chase negligence is just killing me.

We go round and round and round and always end up in the same place...this place called NO WHERE.

It's like a black hole that JPMC creates to drive people who are already in serious duress and under long term chronic stress, to a place where they

Only can hear the loud ringing in their ears, Can't hold a thought for too long, forget cognitive abilities, there are days when everything is effected.

Breathing, your heart beat, you don't remember the last time you had a solid good night's sleep, nothing tastes great, you are simply in   Survival Mode...

and you are Functioning on Reserves, your mind and your body have been exhausted....and they know this.


Long Term Chronic Stress slowly kills you.  JPMorganChase's negligence and continued acts of bad faith directly cause long term chronic stress.

I wonder how many Chase Representatives received compensation in the form of gift cards to Target or Applebees for this.....BOA whistleblowers admitted it, it's only a matter of time before the truth comes out...
how long is anyone's guess. What is JPMorgan's incentive packages for them negligently sending someone to this place?

and the beat goes on....
and their lying goes on....
and their calls continue....
and the attorneys continue....
and the fees continue...
and the money goes out...
and the days are longer...
and the weeks never end....

the days blend together and you find yourself weighing options that as a person of sound body and mind you had never thought....and these thoughts creep in, float through the room like a guest at a party.

and you wonder, How did they get in?

JPMorganChase is Dangerously Negligent

As the final curtain call approaches (enter dramatic flair here)

The last and final complaint has been sent off and now we will go through the motions of pretending that the federal level is actually reading these and not leveling desks with them.

JPMorganChase is so entirely dangerously negligent.


We should have pulled an "Iceland" if the American people knew how vast the corruption is, but actually felt compelled to do something about it, perhaps something could have been done long before to stop this train wreak. Shoulda, woulda, coulda....I suppose

Get Ready.....

Finally, JPMorgan Admits The Bank Broke The Law

Finally, JPMorgan Admits The Bank Broke The Law

Finally, JPMorgan Admits The Bank Broke The Law

Finally, JPMorgan Admits The Bank Broke The Law

Finally, JPMorgan Admits The Bank Broke The Law

Finally, JPMorgan Admits The Bank Broke The Law

Finally, JPMorgan Admits The Bank Broke The Law

JPMorgan Agrees to Pay 200 million. Admits Wrongdoing to settle SEC Charges

JPMorganChaseAgreesToPay$200MillionAndAdmitsWrongdoingToSettleSEC

Date 19/09/2013

The Securities and Exchange Commission today charged JPMorgan Chase & Co. with misstating financial results and lacking effective internal controls to detect and prevent its traders from fraudulently overvaluing investments to conceal hundreds of millions of dollars in trading losses.

---

Additional Materials

• SEC Order: JPMorgan Chase & Co.
• Statement on SEC Enforcement Action Against JPMorgan

---

The SEC previously charged two former JPMorgan traders with committing fraud to hide the massive losses in one of the trading portfolios in the firm’s chief investment office (CIO).  The SEC’s subsequent action against JPMorgan faults its internal controls for failing to ensure that the traders were properly valuing the portfolio, and its senior management for failing to inform the firm’s audit committee about the severe breakdowns in CIO’s internal controls.

JPMorgan has agreed to settle the SEC’s charges by paying a $200 million penalty, admitting the facts underlying the SEC’s charges, and publicly acknowledging that it violated the federal securities laws.

“JPMorgan failed to keep watch over its traders as they overvalued a very complex portfolio to hide massive losses,” said George S. Canellos, Co-Director of the SEC’s Division of Enforcement.  “While grappling with how to fix its internal control breakdowns, JPMorgan’s senior management broke a cardinal rule of corporate governance and deprived its board of critical information it needed to fully assess the company’s problems and determine whether accurate and reliable information was being disclosed to investors and regulators.”

As part of a coordinated global settlement, three other agencies also announced settlements with JPMorgan today: the U.K. Financial Conduct Authority, the Federal Reserve, and the Office of the Comptroller of the Currency.  JPMorgan will pay a total of approximately $920 million in penalties in these actions by the SEC and the other agencies.

According to the SEC’s order instituting a settled administrative proceeding against JPMorgan, the Sarbanes-Oxley Act of 2002 established important requirements for public companies and their management regarding corporate governance and disclosure.  Public companies such as JPMorgan are required to create and maintain internal controls that provide investors with reasonable assurances that their financial statements are reliable, and ensure that senior management shares important information with key internal decision makers such as the board of directors.  JPMorgan failed to adhere to these requirements, and consequently misstated its financial results in public filings for the first quarter of 2012.

According to the SEC’s order, in late April 2012 after the portfolio began to significantly decline in value, JPMorgan commissioned several internal reviews to assess, among other matters, the effectiveness of the CIO’s internal controls.  From these reviews, senior management learned that the valuation control group within the CIO – whose function was to detect and prevent trader mismarking – was woefully ineffective and insufficiently independent from the traders it was supposed to police.  As JPMorgan senior management learned additional troubling facts about the state of affairs in the CIO, they failed to timely escalate and share that information with the firm’s audit committee.

Among the facts that JPMorgan has admitted in settling the SEC’s enforcement action:

• The trading losses occurred against a backdrop of woefully deficient accounting controls in the CIO, including spreadsheet miscalculations that caused large valuation errors and the use of subjective valuation techniques that made it easier for the traders to mismark the CIO portfolio.
• JPMorgan senior management personally rewrote the CIO’s valuation control policies before the firm filed with the SEC its first quarter report for 2012 in order to address the many deficiencies in existing policies.
• By late April 2012, JPMorgan senior management knew that the firm’s Investment Banking unit used far more conservative prices when valuing the same kind of derivatives held in the CIO portfolio, and that applying the Investment Bank valuations would have led to approximately $750 million in additional losses for the CIO in the first quarter of 2012. 
• External counterparties who traded with CIO had valued certain positions in the CIO book at $500 million less than the CIO traders did, precipitating large collateral calls against JPMorgan.
• As a result of the findings of certain internal reviews of the CIO, some executives expressed reservations about signing sub-certifications supporting the CEO and CFO certifications required under the Sarbanes-Oxley Act.
• Senior management failed to adequately update the audit committee on these and other important facts concerning the CIO before the firm filed its first quarter report for 2012.
• Deprived of access to these facts, the audit committee was hindered in its ability to discharge its obligations to oversee management on behalf of shareholders and to ensure the accuracy of the firm’s financial statements.

The SEC’s order requires JPMorgan to cease and desist from causing any violations and any future violations of Sections 13(a), 13(b)(2)(A), and 13(b)(2)(B) of the Securities Exchange Act of 1934 and Rules 13a-11, 13a-13, and 13a-15.  The order also requires JPMorgan to pay a $200 million penalty that may be distributed to harmed investors in a Fair Fund distribution. 

The SEC’s investigation, which is continuing, has been conducted by Michael Osnato, Steven Rawlings, Peter Altenbach, Joshua Brodsky, Joseph Boryshansky, Daniel Michael, Kapil Agrawal, Eli Bass, Sharon Bryant, Daniel Nigro, and Christopher Mele.  The SEC appreciates the coordination of the U.K. Financial Conduct Authority, Federal Reserve, and Office of the Comptroller of the Currency as well as the assistance of the U.S. Attorney’s Office for the Southern District of New York, Federal Bureau of Investigation, Commodity Futures Trading Commission, and Public Company Accounting Oversight Board.

I would Like to Lock Everyone in A Room. Not Allowed to Leave Until Resolution is Found and Agreed Upon.

Talk about brain damage...



I think at this point JPMorganChase doesn't even know who THEY are.



What a flipping disaster, a complete calamity, and their negligence goes on.


I personally would like to lock everyone in a room and we aren't allowed to leave until there is a resolution.


From where I'm sitting, the only way this would happen is if there were a million dollars on the table to entice  all the lawyers involved.  Or a kidnapping...LMBO Seriously, this is ridiculous.



Have a great weekend....going on JPMC detox for a week.



Catch you on the flip side



-Michelle

Fierce.

My Favorite Pieces of Art of ALL TIME. Chase On Fire.

JPMorgan Chase Likes to EMOTIONALLY ABUSE AND LIE TO MICHELLE HANSEN of Aurora Colorado. Business As Usual MORE LIES MORE FRAUD

"You Are Not The Owner of This Property" 

Says JPMorganChase Executive Office (on September 16th, 2013)

"You Cannot Sell What Doesn't Belong to You."

JPMORGANCHASE CONTINUES ON WITH THEIR HARASSMENT, MISTREATMENT, EMOTIONAL ABUSE OF MICHELLE HANSEN IN AURORA COLORADO, GOING AS FAR AS TELLING HER THAT HER HOME ISN'T EVEN HERS. REFUSING TO EVEN LET HER SELL HER HOME.

EMOTIONAL DURESS, DOCUMENTED LIES, DOCUMENTED RUN AROUND, DOCUMENTED BAD FAITH....DOCUMENTED THREATS, DOCUMENTED COERCION....

DOCUMENTED NEGLIGENCE CONTINUES AGAINST HOMEOWNER BY JP MORGAN CHASE. 

#JPMorganChase #ChaseBank #banksters #criminal #badfaith #JPMC #JamieDimon #fraud #abuse #foreclosure #fraudclosure

CEO Buys Condo with TARP Money. Lovely.

http://read.bi/12IsWyT    Bank CEO Buys Condo with TARP $$$ and other Shenanigans.

Banned from the Financial Industry Forever.  What about the rest?

OneWest Bank pays 7 figures in mortgage fraud case

OneWest Bank pays 7 figures in mortgage fraud case


Good Read.

Chose Hope Anything is Possible. JPMC IF you Can Manipulate the Cost of Energy, Surely We Can Work on an Amicable Solution!

    Hope is one of those things that during times of extreme struggle seems to be  illusive. Some-days worse then others, hope can be as illusive as Bigfoot, or the Easter Bunny, but if you look hard, and perhaps hit the pavement...it can be there, even if just a sliver!  I'm going to leave this to be my last post for this afternoon...I have spent over half my day dealing with the consequences of the shenanigans of the machine that is JPMorgan Chase, and there are moments where you have to turn the noise off.

 JPMorganChase is like a gallon of spoiled milk in the fridge, you know it's there...but trash day isn't for a week...so it sits in there festering in the dark, continuing to grow.


I haven't given up entirely that the past years have been for not, and as I listen to the tape recording of JPMorganChase's executive office saying, "Ms. Hansen, your deed doesn't matter, it's just a piece of paper."

I know it matters, it mattered to my late husband as he made arrangements while he was living. I know it matters to the state of Colorado to whom taxes are paid, and I know in my heart of hearts that it will always be more than just a "piece of paper" to me. Always.

-Michelle

WhistleBlowers. A Few Brave Men and Women.

This goes out to #GeorgeBabcock who is calling the state of Rhode Island on their shenanigans. You are not along George. #fighter #whistleblower #banksters #fraudclosure

Perhaps.

The Wall Street Journal • 1 year ago

- James Dimon, CEO of J.P. Morgan Chase & Co., in response to a question during a hastily scheduled conference call on Thursday and after the company had reported it had taken $2 billion in trading losses in the past six weeks stemming from derivatives bets gone wrong in the bank's Chief Investment Office, which manages risk for the New York company. "J.P. Morgan Reveals ‘London Whale’-Size Losses", May 10, 2012. 

**I think I find this quote the most ironic of all today...Fannie Mae says, "They are idiots" about JPMorgan Chase. Everyone is busy pointing fingers....and I am left to drowned as a direct result of their incompetence, negligence and their continued game of bad faith. This game that only they have the rules to...and no one bats an eye do they??

What do you do? There is the cliff hanger...when you realize that it's all a game and your hands are tied with the red tape...time isn't on your side, the law isn't on your side, the bank surely isn't on your side....in fact you realize you may have just wasted three years of your life in a Ponzi Scheme who's only Qwest is to get your property and beat you up emotionally, "there is going to come a time when you are just to emotionally exhausted and you walk away."

Perhaps. 

Sometimes You Just Have To Say, "Enough is Enough"

Being Killed...One Foreclosure at a Time. Thanks JPMC

WWW.CHASE.COM                                 Jamie Dimon

JPMorgan Chase "Our Hands are Tied"

Jamie Dimon, the chief executive of JPMorgan Chase, he keeps the profits, but when they lose money, the American people pay the bill!!

Shout out to the company that says, "Our Hands are just as tied as yours" -JPMC Executive Office

To which I replied:

"I find it hard to believe that a company that can manipulate the cost of energy cannot find a way to work with me, that is difficult for me to believe."  -Michelle Hansen