Today | Nationwide Call-In Day to the Attorneys General

Today,
on March 29, we have the opportunity of a lifetime to save millions
from losing their homes and hold accountable the big banks that caused
this crisis.

Right now, the 50 state Attorneys General are in
critical negotiations with the big banks. The outcome of these
negotiations could mean the difference between millions of struggling
homeowners finally getting the help they need from their lenders, or
the big banks continuing with business as usual, foreclosing on
families needlessly.

Bank of America, Wells Fargo,
JPMorgan Chase, and other big banks could easily walk away scott-free,
if thousands of us don’t call our Attorneys General tomorrow.

Read 5 reasons to call your Attorney General today

The
time is now to collectively fight back.  We can work together to
demand that the big banks are held accountable for their crimes.

Your
Attorney General needs to make a choice - either side with YOU and be a
hero to homeowners and communities by going toe-to-toe with the big
banks, OR side with the big banks and let them continue to devastate
our communities.

It’s time to demand that our Attorneys General
deliver nothing less than a strong settlement against the big banks.  Make the call!

Thanks for all that you do,

PICO National Network
Alliance for a Just Society
National People's Action
IAF Southeast
Alliance of Californians for Community Empowerment

STATE	AG NAME	PHONE
Alabama	Luther Strange	[phone]
Alaska	John J. Burns	[phone]
Arizona	Tom Horne	[phone]
Arkansas	Dustin McDaniel	[phone]
California	Kamala Harris	510-622-4500 916-323-8270 (main comment voicemail)
Colorado	John Suthers	303-866-4500
Connecticut	George Jepsen	[phone]
Delaware	Beau Biden	[phone]
District of Columbia	Irvin Nathan (Acting)	[phone]
Florida	Pam Bondi	[phone]
Georgia	Sam Olens	[phone]
Hawaii	Mark Bennett	[phone]
Idaho	Lawrence Wasden	[phone]
Illinois	Lisa Madigan	[phone]
Indiana	Greg Zoeller	[phone]
Iowa	Tom Miller	[phone]
Kansas	Derek Schmidt	[phone]
Kentucky	Jack Conway	[phone]
Louisiana	James “Buddy” Caldwell	[phone]
Maine	William Schneider	[phone]
Maryland	Douglas F. Gansler	[phone]
Massachusetts	Martha Coakley	[phone]
Michigan	Bill Schuette	[phone]
Minnesota	Lori Swanson	[phone]
Mississippi	Jim Hood	[phone]
Missouri	Chris Koster	[phone]
Montana	Steve Bullock	[phone]
Nebraska	Jon Bruning	[phone]
Nevada	Catherine Cortez Mastro	[phone]
New Hampshire	Michael Delaney	[phone]
New Jersey	Paula T. Dow	[phone]
New Mexico	Gary King	[phone]
New York	Eric Schneiderman	[phone]
North Carolina	Roy Cooper	[phone]
North Dakota	Wayne Stenehjem	[phone]
Ohio	Mike DeWine	[phone]
Oklahoma	Scott Pruitt	[phone]
Oregon	John Kroger	[phone]
Pennsylvania	William H. Ryan, Jr. (Acting)	[phone]
Rhode Island	Peter Kilmartin	[phone]
South Carolina	Alan Wilson	[phone]
South Dakota	Marty Jackley	[phone]
Tennessee	Robert E. Cooper Jr.	615-741-3491
Texas	Greg Abbott	[phone]
Utah	Mark Shurtleff	[phone]
Vermont	William Sorrell	[phone]
Virginia	Ken Cuccinelli	[phone]
Washington	Rob McKenna	[phone]
West Virginia	Darrel V. McGraw	[phone]
Wisconsin	J.B. Van Hollen	[phone]
Wyoming	Bruce A. Salzburg	[phone]

www.4closureFraud.org

Comments

[Northeaster]

I filed a "Consumer Complaint" here in MA, which they are legally bound to respond...never heard back. This will be yet another miscarriage of justice. It's the "new" American way isn't it?

[LauraB]

You people that are calling in to demand "full restitution" for what you have "lost" are just crybaby leeches.  If you aren't paying your mortgage, you should lose "your" house.  The banks should also have to take the loss on the bad loan that they knowingly made.  Anyone who committed fraud (banks or borrowers) should go to jail, as should anyone who committed perjury.  You are not faultless. Stop trying to loot your neighbors and future generations.  Take some responsibility for your decisions.

[LowProfile]

So far, only the taxpayers are "taking responsibility" for the mess.

Wake the fuck up.

[LauraB]

You junk me.  You swear at me.  Then, when it is pointed out that you are wrong, you aren't man or woman enough to apologize, but junk me again.  Grow up!

[I Am The Unknow...]

LauraB troll: You are indeed an idiot and do indeed need to wake the fuck up.  Kudos to LowProfile.

I tell you what....how about I lend you 1 million dollars.  Just think about all the things you could do with that money.  You are surely very smart and no doubt could turn that 1 million into 2 million in no time.  You pay back the loan and keep your profit.  It's a clear win/win isn't it?

All I need you to do is give me your personal info with social security number and power to ruin your life and your credit rating.  Sign right here on my contract.

Ever heard of predatory lending asshole? Huh, Mr. "Laura Bush" troll?

Oh, and BTW, I am swearing at you, asshole, and junking you, and I will not apologize.  Welcome to fight club my little bottom bitch.

[LauraB]

Predatory lending is just an excuse for failing to do due dilligence.  It was obvious that housing prices were rising faster than incomes.  It is not rocket science to figure out that an "adjustable" loan can go up or down.  It is only common sense that you cannot afford a house that is 5-10 x your income. If you took out one of these loans, you are the idiot!  A sucker is born every minute.  I shouldn't have to pay for your/their bad decisions.

It sounds like you are one of the crybaby leeches who wants your neighbors to pay your bills.  No bailouts for banks or borrowers.  Take some responsibility for yourself and your decisions.  It is unconstitutional to pay off private debts (mortgages) with taxpayer (public) money!  Stop stealing from your neighbors!

(And I haven't even mentioned the 90% of people who lied about their incomes to obtain no doc loans.  There was fraud on the parts of both banks and borrowers.  Both should be held to account for their bad decisions and their crimes.)

I guess you can't make actual factual arguments to defend your position, so must resort to swearing. 

PS I wouldn't take your loan, just like I didn't take out one of your so-called "predatory" loans, because unlike you, I am not a moron.

[I Am The Unknow...]

Nice try troll asshole.  I own my homes (two) free and clear thank you very little.

Now, to refute your asinine points:

1) "It was obvious that housing prices were rising faster than incomes"

Yep, so was everything else, including the stock market, oil, PMs, etc.  The banksters assured their prey that real estate would hold it's value above all else.  Not to mention that even into September 2008, the fraudsters were lying to Americans saying such things as "the fundamentals of the economy are sound" amongst many, many other lies.

-------YOU LOSE-----

2) "Predatory lending is just an excuse for failing to do due dilligence"

No.  Predatory lending is fucking illegal all over this country.  Go to a law library and look up usury laws since the founding of the country.  Once again:

-------YOU LOSE-----

3) "Take some responsibility for yourself and your decisions.  It is unconstitutional to pay off private debts with taxpayer money!  Stop stealing from your neighbors!"

No, it is clearly no longer illegal, as your bankster bosses have clearly proven through their bailouts.  Where the hell have you been?  Once again:

------YOU LOSE----- 

4) "A sucker is born every minute.  I shouldn't have to pay for your/their bad decisions."

Well isn't that just typical Wall Street bankster mentality?  You feel you shouldn't have to pay for anything, ever, period.  Only profits should flow your way.  You forget that we live in this thing called a society and as members of this society (be one a taxpayer or not, adult or child, etc) we all share the loss, burden, and damage when the country gets raped and pillaged by criminals like the banksters you work for.  And again:

------YOU LOSE-----

5) "There was fraud on the parts of both banks and borrowers.  Both should be held to account for their bad decisions and their crimes."

Well that makes about as much sense as sending grandmas to jail for getting suckered into medicare fraud by criminals such as the banksters you troll for.  And again:

-------YOU, YES YOU TROLL>>>YOU LOSE---------

6) "I guess you can't make actual factual arguments to defend your position, so must resort to swearing"

Sure you can, ASSHOLE.  You should try doing it sometime. 

----You definitely lose on that one----

7) "I wouldn't take your loan, just like I didn't take out one of your so-called "predatory" loans" 

I doubt that.  How about we do it in the form of a credit card?  I bet you have credit cards, don't you asshole?  I'll give you the Warren Buffet AMEX deal - unlimited monthly charges.  All you have to do is just sign my contract.  AND AGAIN:

-----YOU GO FUCKING DOWN YOU EVIL LOSER ASSHOLE-----LADIES AND GENTLEMEN I DO DECLARE THAT IS A KO!!!---

I think I've made my factual, logical, arguments quite clearly.  Now piss off and go troll another site. 

[LauraB]

Good for you for owning your home.  If you want to pay your neighbors' mortgages, by all means send them all checks from your own pocket.  You have no right to rob me or anyone else to pay for these bad loans.

As to your other ridiculous arguments:

1. You admit that housing prices (and other things) were going up faster than incomes, yet you make the excuse that the big bad bankers said that real estate was a good investment. Yes, Realtors and the media said, "prices only go up", "they're not making any more land", "buy now or be priced out forever!"  I recall being told these things too, yet I did not buy an overpriced house because common sense told me that housing prices (and all of the other things you mentioned) cannot go up forever when incomes are not also rising.  Hence, YOU LOSE!  (As far as government and economists saying, "the fundamentals of the economy are sound", I guess you believe them today when they say we are in a recovery.  If not it is because you are paying attention now.  If you had been paying attention (i.e. duing your due diligence) before, you would not have been fooled by their lies.)

2. If by predatory lending, you mean there was fraud involved, then as I stated in all of my previous posts, the banks should be held accountable for fraud.  However, if by "predatory lending" you are referring to people who believed that they could afford the house because of the monthly payment that the bank put in front of them without actually running the math themselves to see if they could really afford it or thinking about what an "adjustable" rate mortgage meant, etc., those loans were not "predatory."  They were just bad deals.  Yes, the banks knew that they would probably go bad, but if the Constitution was adhered to, that would have been the bankers problem -- i.e. the banks would have/ should have had to take the losses on these bad loans.  If the Constitution was followed, no bailouts would have been given.  The banks would have eaten the losses and bad banks would have gone out of business.  By holding the banks accountable for the loans they made, they would have made better loan decisions.  The borrowers also should lose the houses if they signed one of these loans and there was no fraud by the banks.  They would learn their lesson about reading and understanding what they are signing.  Instead, Congress let the banks off the hook under the guise of helping homeowners.  Now the home "owners" are basically saying you bailed out the banks, now bail us out too -- i.e. you let the banks rape the taxpayers, now let us rape the taxpayers.  Congress had no authority to help either banks or borrowers under the Constitution.  Read "Not Yours to Give" by Davy Crockett.  YOU LOSE!

3.  Just because CONgress passed the bailouts doesn't mean they were Constitutional.  Congressman Conyers admitted that most of what they do is unconstitutional.  YOU LOSE!

4.  I'm not a banker -- just a mom who would like to buy a home to raise my kids in at a reasonable price that doesn't include a bunch of phantom equity (that I'll lose as my downpayment) based on prices that were driven up by fraud on the parts of both bankers and borrowers.  I don't know where you get off saying that I beleive I shouldn't have to pay for anything ever period.  To the contrary, I believe that everyone is responsible for their own decisions and taking care of themselves.  I am complaining about being forced to pay for other's bad decisions -- i.e. taking out mortgages that they couldn't afford and then expecting me and my children to pay for it.  It is the leeches who want free houses on the taxpayer dime and the banks who want the taxpayers to bail them out for the bad loans that they made that don't want to pay for anything. 

As far as us being a society and all have to share in the losses, that is a load of crap!  These homeowners/speculators who sold their houses and cashed out their profits during the boom didn't share the profits, why should I have to share in the losses.  And the bankers weren't the only ones at fault here, unlike you would like to believe.  It takes two to tango.  If the borrowers didn't take out the loans (and lie about their incomes), housing prices would not have been driven up to unsustainalbe levels.  They were greedy, however, and had to have a house now, rather than save up for it.  While some just wanted a place to live, many wanted to get in on the action when they saw the money being made.  Either way, it was their decision to buy, rather than rent, and their losses are their problem.  YOU LOSE!

5.  You are a hypocrite.  You want to hold the bankers accountable for fraud, but let the 90% of people who lied about their income on no-doc loans (hence the industry term "liar loans") off the hook.  I say no one is too big or too little to jail!  Justice must be blind.  You did the crime, you do the time.  YOU LOSE!

6-7 etc. require no response as you just show how immature and crass you are.

[I Am The Unknow...]

You do a very good job of validating my points.  Thanks!  I WIN!

Your blame is entirely misplaced.  I know of not one person, and I am sure you do not know of one person either, who made billions of dollars on the homebuyer side of this fraud.  However, we all know of several banksters that did indeed make loads of money and paid themselves and their employees handsome bonuses from our tax dollars....to be clear, that money came right out of my pocket and your pocket (provided you pay taxes, which you probably do).  YOU and I have had a crime committed upon US and it was NOT committed by some random homebuyer, Asshole. 

Put your blame on those who deserve it.  Let me guide you to the corner of Wall and Broad Streets in New York City.  You can fan out from there.

Meanwhile, learn about and educate your children about predatory lending.  Hopefully they won't start out being debt slaves by borrowing 100 K in student loans to go to college, followed by a 200 K mortgage, etc.  At the very least, you must inform them that Sallie Mae student loan debt is NOT DISCHARGEABLE, even in bankruptcy, and will be with them for the rest of their lives or until they pay it off.  Teach them that even if they file bankruptcy and lose their home that they will get a 1099-C which will be counted as INCOME which they will still be responsible for paying TAXES to the IRS.  Their wages will be garnished and they will be ruined.  So, if they do chase this "American dream" and find themselves in a recession/depression or at any point unable to repay their debts, I hope you don't someday accuse them that it takes "two to tango" and that they should go to jail for borrowing.  At the same time, you should teach them that the banks not only have no such horrible consequences for being on the lending side of this deal, but also that they (your children), through paying taxes on their 1099-C from their bankruptcy, will in fact be paying bonuses to the very banksters who fucked them. 

You are indeed an ASSHOLE. 

You know what, I'm done educating you.  Please just take one day to go down to your nearest city's pro bono (that means "free" in legal speak) tax clinic for the newly bankrupt/poor and just ask them if you can observe.  You will witness an endless stream of people you never would have thought you would see in such a place.  It would be even better if you could "lend" a helping hand.  You never know when you may need it lent back to you, Asshole.  Call your state's Bar Association or simply do a Google search to find the Low Income Tax Clinic nearest to you.  

Hey, not up for a 1MM Small Business Administration (SBA) loan?  Not up for a Warren Buffett American Express card loan?  Well then I have the loan for you!  How would you like a NEW CAR!!!!!?!!!?!!!?   I can offer you NO MONEY DOWN and 0% interest for ONE WHOLE YEAR.  That's right!  NO MONEY required right now and NO PAYMENTS and Zero Percent financing for one year!  Surely with you being a Mom and all that you could use a bigger SUV or a NEW luxurious MINIVAN!  Wouldn't it just make life easier and better?  It's spring....you know what they say...out with the old and in with the new!  ALL YOU HAVE TO DO IS SIGN MY CONTRACT.  "A**H**E!" 

Whoa!  "Learn to read," bottom bitch, but most importantly, READ TO LEARN, Asshole. 

[LauraB]

That is exactly what I said A**H**E!

Learn to read!

[LauraB]

The only real losers are responsible renters, home owners (i.e. those with paid off mortgages or who bought for cash), those paying their mortgages on time, and future generations who are being forced to pay for the bailouts.  The banks should pay for their crimes -- i.e. perjury, failure to pay transfer taxes, marring titles, and bundling and selling bad mortgages to investors while claiming they were good.  The banks should also take the losses on all of the bad loans that they made.  However, the borrowers who bought the overpriced houses with loans that they couldn't afford should lose "their" homes.  It is not my or my children's responsibility to pay for the bad decisions of these banks and borrowers. 

[Dan The Man]

the sheeple haven't hurt yet.  this is a bit too early yet for motivation.

patience...

[patb]

i left  a message with our AG in Virginia, nobody seemed to be calling in.

[I am Jobe]

Court cases take up too mcuh time. Can we just provide ropes or drop the bankers off at Gaza Strip or Libya. Airdrop the bankers , just get this over with.