USAA MORTGAGE GREED LACKS CUSTOMER CARE AND SERVICES

For those of you who are hit hard by this economy you know how tough it is to get any bank(s) to even look into lending you a mortgage loan or refinance.
Try getting a loan with false credit reporting or unfair responsibilities to a loan you no longer have.

Let me explain my experience with USAA Mortgages.

With many things that makes a marriage hard to coup with, it places a thorn between the couple and some of us had to make a tough decision to separate, because things became too complicated to adjust.
Back in 2008 my wife and I had filed for a divorce.
During our fourteen years of marriage as you can imagine we built up a lot of debt. 
Thus, forcing us to file for a bankruptcy Chapter 7 after the marriage was dissolved.

On my side, I filed and included the home we lived in along with the "quit-claim" note sent to USAA Mortgages and Citibank.
However, my ex-wife decided on her own to hold onto the house and took on the loan(s) on her own.
With my good faith, I been paying her child support for my son living, what she claimed with her most of the time.

Under the impression of my lawyer, it would take three years after my Chapter 7 had been discharged I would be able to inquire a new mortgage loan to finally try to buy a home. Today it's been 4 years that passed.
Surprisingly after finding a nice modest home here in the Sarasota area, I inquired a pre-approved loan.
Needless to say, through a bank that I tried to inquire a loan from had contacted me and said I have a descent credit score which would able me to qualify for a loan including my length of employment, HOWEVER, it is being reported to all three major credit bureaus that I still have an opened $47,899.00 mortgage loan under my name from USAA Mortgages!
I quickly contacted USAA Mortgages and spent almost a half a day trying to get to the right guy to tell me, there's nothing he can do!  I spoke to (not over exaggerating) 7 people before this representative had given no good incite at all.

Therefore, I was upset to know I am still being part responsible for a loan I thought after all these years I was erased from is still being tacked on my name!
My ex-wife had tried to negotiate many different terms with them to find USAA were not going to budge.
She went to the local media, The Sarasota Herald Tribune and had an article two pages long on her ordeal with this uncaring American Bank.

After a while, she was forced to file for a short sale on the home, the other banks dissolved the loans she had and USAA continued to bully her for payments.
Let's face it folks.  With this economy, there's no doubt that the value of the home had a tremendous lose.
Leaving her with a total upside down in value home.
So, after a few months later of that same article had hit the homes of many readers. USAA decided to renegotiate some terms. To lower her loan to a settlement of $51,163.00 since, she had made 17 payments now at $47,358.00.  (as reported to the credit bureaus).

Leaving me locked out to any financing at all. This leaves me at the mercy of my ex-wife to payoff that existing loan, which I never knew my name was still involve with it and a huge greedy bank called USAA to keep me from moving on.  After my child support and my car loan, rent and other expenses, I would not be able to help her to pay off that particular loan.. I was without willing to move back in with my parents.

I don't know about other fellows think at my age of 49, but to feel the guilt, worthless and degrading deep routed feelings to move back in with parents with little or no privacy at all is beyond my goals.

Heck, these days I cannot even go back out to rent, and if I found a place to rent again, regardless of my credit reporting, it would cost more than to own a home! (period)

I feel that all this would of been prevented if only USAA Mortgages would grow a heart for people in trouble and see the real issues!  Divorces are unfortunate events in our lives as it is.

Institutions like this are indeed insured for such things even when there are loss. I'm sure USAA get a descent kick-back from our government.  It's all about GREED, no doubt.

Francesco N. Cece

Dr. Barbara Bellar - Obamacare

Stop A Dividend Tax Hike for American Workers!!!!

Stop A Dividend Tax Hike

Apocalyptic Literature - "The One"

Once upon a time, in the Age of Insanity. The people of the land called America , of wishful and hope for easier and quickest way of having simple hand-outs and having lost their morals, their initiative, and their will to defend their liberties.

They have chosen as their Supreme Leader that person known as "The One."

He emerged from the vapors with a message that had no meaning; but He hypnotized the people telling them,

~ "I am sent to save you. My lack of experience, my questionable ethics, my monstrous ego, and my association with evil doers are of no consequence. I shall save you with Hope and Change. Go, therefore, and proclaim throughout the land that he who proceeded me is evil, that he has defiled the nation, and that all he has built must be destroyed."

~  And the people rejoiced, for even though they knew not what "The One" would do, but what he had promised that it was good; and they believed.

Now "The One" said ~ "We live in the greatest country in the world. Help me change everything about it!" ..and the people said, "Hallelujah! Change is good!"

Then He said, "We are going to tax the rich fat-cats."

~ And the people said "Sock it to them!" "And redistribute their wealth. “Show us the money!"

~ And then he said,  "Redistribution of wealth is good for everybody.."

And Joe the plumber asked, "Are you kidding me? You're going to steal my money and give it to the deadbeats??" And "The One" ridiculed and taunted him, and Joe's personal records were hacked

and publicized.

One lone reporter asked, "Isn't that Marxist policy?"  And she was banished from the kingdom.

Then a citizen asked, "With no foreign relations experience and having zero military experience or knowledge, how will you deal with radical terrorists?"

~ And "The One" said, "Simple. I shall sit with them and talk with them and show them how nice we really are; and they will forget that they ever wanted to kill us all!"

And the people said, "Hallelujah!! We are safe at last, and we can beat our weapons into free cars for the people!"

Then "The One" said "I shall give 95% of you lower taxes." And one, lone voice said, "But 40% of us don't pay ANY taxes." So "The One" said, "Then I shall give you some of the taxes the fat-cats pay!"

.... And the people said, "Hallelujah! Show us the money!"

Then "The One" said, "I shall tax your Capital Gains when you sell your homes!"

~ And the people yawned and the slumping housing market collapsed.

~ And He said. "I shall mandate employer-funded health care for every worker and raise the minimum wage. And I shall give every person unlimited healthcare and medicine and transportation to the clinics."

~ So the people said, "Give me some of that!"

.. Now the people said, "Where's my rebate check?"

Then he said, "I shall penalize employers who ship jobs overseas."

Then "The One" said, "I shall bankrupt the coal industry and electricity rates will skyrocket!"

~ with dumbness, the people said, "Coal is dirty, coal is evil, no more coal! But we don't care for that part about higher electric rates."

~ So "The One" said, Not to worry. If  your rebate isn't enough to cover your expenses, we shall bail you out.  Just sign up with the ACORN and you troubles are over!"

Then He said, "Illegal immigrants feel scorned and slighted. Let's grant them amnesty, Social Security, free education, free lunches, free medical care, bi-lingual signs and guaranteed housing."  ~ All the Hispanics said, "Hallelujah!" ....  and they made him king!

And so it came to pass that employers, facing spiraling costs and ever-higher taxes, raised their prices and laid off workers.

Others simply gave up and went out of business and the economy sank like unto a rock dropped from a cliff. The bank banking industry was destroyed. Manufacturing slowed to a crawl. And more of the people were without a means of support.

Then "The One" said, "I am the "the One"- and I'm here to save you! We shall just print more money so everyone will have enough!"

~ But our foreign trading partners said unto Him.

"Wait a minute. Your dollar is not worth a pile of camel dung! You will have to pay more...

~ And of course "The One" said, "Wait a minute. That is unfair!"

~ the One World said,  "Neither are these other idiotic programs you have embraced. Duh, you have become a Socialist state and a second-rate power. Now you shall play by our rules!"
And the people cried out, "Alas, alas!! What have we done?" But yea verily, it was too late.

The people set upon The One and spat upon him and stoned him, and his name was dung.

And the once mighty nation was no more; and the once proud people were without sustenance or
shelter or hope. And the Change "The One" had given them was as like unto a poison that had destroyed them and like a whirlwind that consumed all that they had built.
And the people beat their chests in despair and cried out in anguish, "give us back our nation and our pride and our hope!!" But it was too late, and their homeland was no more.
You may think this a fairy tale, but it's not. It's happening RIGHT NOW!

~ Francesco N. Cece

Interpretation about Americans written in a Romanian Newspaper

The article was written by Mr. Cornel Nistorescu

Published under the title:

'C'ntarea Americii,   meaning "Ode To America'
Romanian newspaper Evenimentulzilei 'The Daily Event' or 'News of the Day'.


"ODE TO AMERICA"


Why are Americans so united?

They would not resemble one another even if you painted them all one

color! They speak all the languages of the world and form an astonishing

mixture of civilizations and religious beliefs.

On 9/ll, the American tragedy turned three hundred million people into a hand put on the heart.

Nobody rushed to accuse the White House, the Army, or the Secret Service that they are only a bunch of losers. Nobody rushed to empty their bank accounts. Nobody

rushed out onto the streets nearby to gape about. Instead the Americans volunteered to donate blood and to give a helping hand.

After the first moments of panic, they raised their flag over the smoking ruins,

putting on T-shirts, caps and ties in the colors of the national flag. They placed flags on buildings and cars as if in every place and on every car a government official or the president was passing. On every occasion, they started singing: 'God BlessAmerica !'
I watched the live broadcast and rerun after rerun for hours listening to the story of the guy

who went down one hundred floors with a woman in a wheelchair without knowing

who she was, or of the Californian hockey player, who gave his life fighting

with the terrorists and prevented the plane from hitting a target that could

have killed other hundreds or thousands of people.

How on earth were they able to respond united as one human being? Imperceptibly, with every word and musical note, the memory of some turned into a modern myth of tragic

heroes. And with every phone call, millions and millions of dollars were put

into collection aimed at rewarding not a man or a family, but a spirit, which no

money can buy.

What on earth unites the Americans in such a way? Their land? Their history? Their economic Power? Money? I tried for hours to find an answer, humming songs and murmuring phrases with the risk of sounding commonplace, I thought things over, I reached but only one conclusion... Only freedom can work such miracles.

Cornel Nistorescu

War of Words Against Liberal Readers

Health Insurance Exemptions ~ Dhimmitude

Word of the Day: Dhimmitude
Dhimmitude is the Muslim system of controlling non-muslim populations conquered through jihad. Specifically, it is the TAXING of non-muslims in exchange for tolerating their presence AND as a coercive means of converting conquered remnants to islam.
The ObamaCare bill is the establishment of Dhimmitude and Sharia muslim diktat in the United States . Muslims are specifically exempted from the government mandate to purchase insurance, and also from the penalty tax for being uninsured. Islam considers insurance to be "gambling", "risk-taking" and "usury" and is thus banned. Muslims are specifically granted exemption based on this.
In our article "More Malarkey About Health Care," we wrote that some religious groups may indeed be considered exempt from the requirement to have health insurance. The law defines exempt groups using the definition from 26 U.S. Code section 1402(g)(1), which describes the religious groups currently considered exempt from Social Security payroll taxes. Eligible sects must forbid any payout in the event of death, disability, old age or retirement, including Social Security and Medicare.
Since we posted our article, we’ve obtained a list through the Freedom of Information Act of all the groups that have successfully applied for exemptions from payroll taxes. (We have posted the Excel file here.) The overwhelming majority of them are explicitly Anabaptist — that is, Mennonite, Amish or Hutterite. Those that don’t specify their denomination are still explicitly Christian. Having gone through the list, we can say with certainty that no Muslim group, and indeed no non-Christian group, has ever qualified for an exemption under the statute used to define exempt religious groups in the health care law.
Nor are they likely to want to, says Ibrahim Hooper of the Council on American-Islamic Relations, which opposes discrimination and defamation against Muslims. "I’ve never even heard it brought up as an issue," Hooper told us. "I have health insurance. We give health insurance to our employees. Every Muslim group I know of does the same thing." Hooper told us that he has seen some Muslims raise religious objections to life insurance, but not health insurance, and that, in fact, providing health coverage is very much in line with Islamic ideals of social justice.
As for "dhimmitude," it’s a politically charged academic concept, not a tenet of Muslim faith. The term was coined by scholar Bat Ye’or to describe the condition of the "dhimmis," protected non-Muslims living in Muslim empires starting in the 7th century. Dhimmi populations, Ye’or says, were allowed by their lands’ Muslim conquerors to keep property and practice their faith, as long as they paid a poll tax. It is Ye’or’s assertion that the condition of dhimmitude still persists in countries under shari’a law, and that, furthermore, it is spreading worldwide. In particular, she says, Europeans are accepting a state of dhimmitude and moving toward becoming "Eurabia." This position is controversial, and Ye’or is not secretive about her political commitments. For instance, she is a vocal supporter of Geert Wilders, the Dutch politician who was once banned from the United Kingdom because of his inflammatory anti-Islam views. For the e-mail to present "dhimmitude" as an established Muslim value rather than a scholarly concept from an author with open political commitments is misleading.
Finally, the e-mail repeats one other claim we’ve debunked before. It says that "I … will face hard prison time because I refuse to buy insurance or pay the penalty tax." This is false. The House version of the bill left open the possibility of criminal penalties for deliberately evading a tax for not having health insurance, but the Senate version did not, nor did the final law.
– Jess Henig

The dhimmi condition can only be understood in the context of jihad because it originates from this ideology. Muslim, as well as non-Muslim scholars, from the 7^th century through the present, have aknowledged that all the lands from Portugal to Central Asia that constituted the Muslim Empires were conquered by Muslim armies. These vast territories were neither populated by Arabs - except in specific regions bordering the deserts – nor by Muslims.  Around the Mediterranean, the population was Christian and Jewish. Along with other religious groups,  Jews and Christians also lived  in Iraq, Persia, and Arabia.

 

Beginning in the eighth and ninth centuries, Muslim theologians and jurists endeavored to give to the jihad – a war of conquest -  a religious and legal structure.  Living during and after the great wave of Arab-Muslim expansion on mainly Christian lands, they built their theory of jihad on  their interpretations of the Koran and the hadiths (the sayings and acts attributed to the prophet Muhammad).  Thus they elaborated the concept and doctrine of  jihad that established the relationship between Muslims and non-Muslims in terms of belligerency, temporary armistices, or submission.  The aims, tactics and strategies of jihad were defined, as well as the specific rules concerning the troops, the compulsory conditions for treaties, the treatment of prisoners, and the division of the booty.  This conceptualization of war led to a considerable literature that constituted the classical doctrine of jihad, which was fixed, from the mid-eighth century onward, in comprehensive theological and legal treatises.

Among the infidel peoples there are differences. Those who do not possess Revealed Scriptures - and all Arabs - have, in theory, the choice between Islam or death. The others ‑ principally the Jews and Christians ‑ are granted protection status, according to the modalities of the conquest. They become dhimmis ‑ people protected by the law of Islam, by a dhimma.

*also through reliable truth detectors:
snopes.com: Health Insurance Exemptions

Contributes: Jess Henig, Brown University C.V. Starr Foundation Lectureship and snopes.com