Please sign this petition to have our government step in and put a stop to JP Morgan Chase! Sign this to tell our government WE THE PEOPLE will not stand by silent for the deceptive practices of big banks to take advantage of America’s families any longer! Let our voices be heard! We the people are not going to give up; we are standing up! Please feel free after signing the petition to add your personal story at the bottom.
United States Government,
WE THE PEOPLE are pleading you to hold JP Morgan Chase responsible for deceptive lending!
United States Government-Please take a stand for what is
right and put the big dog on the porch to protect your people!
Melissa and Jason Graham’s story~
My name is Melissa Graham. I have the American dream as many
families across our Nation do. I am a married home owner with two children. I
am a law biding, tax paying citizen who is an inspiration and positive
influence to many other people in my community.
My husband and I have owned
our home for over six years. When we first met thirteen years ago we would sit
on my mother’s porch and dream together what we would do to the yard if we ever
owned it. We made our dream come true and have worked very hard to keep our
dream. We fell into financial troubles and had a change in our income. This
caused us to reach out to 995-HOPE to attempt reducing our payments. We were
struggling with our $2050.00 mortgage every month. We were told by our mortgage
company JP Morgan Chase that our modification was going through the federally funded
program. I found out after the fact Chase completed an in house modification
and repayment plan. Instead of placing the amount past due in the back of the
loan they rolled the amount into my monthly payments causing them to increase
almost to $2300.00.
When the approval documents
came to my home I called Chase and expressed my concern and confusion that our
payments went up. I couldn’t understand how this was helpful when we reached
out to them struggling with the lower payments. I was informed to sign the
documents and make the first payment. This was going to officially place me in
the modification program and my loan amount would be reviewed and lowered. I
have never had a mortgage before; I trusted what the bank told me. I had the
lady input a note into the system that documented I did not agree with the
higher amount and I would only send the first $2300.00 payment until my loan
was straightened out, and by signing the documents and making the first payment
I was agreeing to be in the modification program and my payments would be
After the first payment I
began calling Chase aggressively wanting my loan straightened out. I was given
a run around by everyone I talked to. I was receiving calls asking for more
documents. I was told by several Chase employees that there were notes from
someone who worked at Chase that stated she was working on a “Special Project”
and all they knew was she was requesting documents. No one knew anything about
a “Special Project”. This was taking months just as the approval for the
modification did and I was not making anymore $2300.00 payments as I discussed
with the woman who instructed me to sign the paperwork.
In November I received a
letter from Chase’s attorney notifying me that my home was going to be sold
under Foreclosure. I immediately called my mortgage company in shock only to be
informed by 3 separate employees that my home had a sale date of November 10th
which was only 4 days away! I begged and pleaded with them for an explanation.
What happened to my “Special Project”. I was given nothing but the cold
My husband and I filed our
last resort. We paid an attorney $1600.00 to file Chapter 13 bankruptcy in
order to save our home. The day after our attorney filed someone from JP Morgan
Chase called about documents for my modification. You can imagine my confusion
at this point. I went through everything with the gentleman on the other line
of the phone. I was then transferred to the company’s Bankruptcy Department
where I spoke with a manager. He informed me that I never should have signed
those documents and made the first payment because that locked me into the
agreement. It didn’t matter that it was noted in the account that I did not
agree to the terms, I was locked in. I brought up about the “Special Project”
and was told there is no such thing because legally my loan can not be modified
again for 1 year after it was modified.
I wrote the White House and
received a response from the Treasury Department informing me they had escalated
my situation to the HAMP program for review. I spoke with someone from HAMP who
told me they could not help me because I had a FHA loan. They instructed me to
call FHA which told me the same thing; I could not get help until June 1st.
I kept in constant contact
with my mortgage company. I called when I heard of the programs our President
Obama put in place to help struggling borrowers and was informed I still had to
wait until June 1st. I even spoke with someone at Chase last week
about how close I was to June 1st and I have been so excited to get
my loan back on track and save my home! I was told by the gentleman on the
other line that he sees foreclosures everyday and there is no way my home will
be sold before June 1st. He said that he would really be surprised
if it sold before then. He assured me there are so many people in foreclosure
that it takes a very long time to get a sale date.
I found out today 5/16/2012 that
a sale date has been set on my home for 5/30/2012. Did you notice the dates? 2
days before I am eligible for help my home is going to be sold on the
courthouse step. I cried, pleaded, and begged my mortgage company and their
attorney for a realistic option to save my home. The gentleman I spoke with at
Chase was rude and very bluntly informed me I could pay off the full amount
past due or I could split the amount up in 6 payments on top of paying my
$2300.00 every month. If I had the money to pay $6000.00 to my mortgage company
I would not be in the financial distress I am currently in. The woman at the
lawyers office was just as insensitive and just kept saying over and over there
was nothing I can do “OK?” No, this is not OK!
By not being informed and
blindly trusting my bank I now have 13 days before my home is auctioned on the
courthouse steps unless our government steps in.
So think about this for a
moment. JP Morgan Chase will not give me 2 days to be able to save my home that
I so desperately want to keep. A company who just lost well over 3 Billion dollars
in a bad risky investment that is Federally Insured and will most likely be paid back
to them by our government. Our government has bailed this company out to help
home owners avoid foreclosure and they will not give my family 2 days to save
Please sign and help save
Thank you for your help and support! Together we stand united!
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