All a swap really is is a customized futures or options contract.

I have heard complaints from other customers of them doing the same thing.Three letter name before the word "Loan."

Think about it for a minute, if you were able to qualify for a $200,000 loan 4 years ago, and nothing change in your life (same job, same people in your family etc..) why would the bank change your loan.And now let's say you lost your job, then why would they modify the loan when they know you are not gonna pay anyway.Let's say you didn't loose your job but your income dropped, then now you don't qualify for the loan because of today's loan criterias.In short, banks don't want to modify, because they don't want to create an habit for their customer to try to modify their loan.I know it's not fair when you see how much TARP money they got from the govt.

I wouldn't be surprises to see them go out of business real soon the way they're handling themselves.They lost your business and have an angry ex-customer.

Tell me what you think:New custom home by well established and respected builder is going to foreclosure 9/1.

It gets very high customer satisfaction scores from those who use it...so they apparently don't think it sucks.

The effect on M2 and the now-unreported M3 will be pure disaster at some date in the future, but they'll stave off the damage as long as THEY NEED US AS CUSTOMERS - not a day beyond.

So, they will tend to give you less priority than other customers.

A customer base that actually consisted of these individual people, and not conglomerates and the government Since most individuals, as you said, can't afford their own healthcare (largely for the above stated reasons) they are not the consumer base that insurance companies have to cater to.

The books have the forms that Lonnie has used over the years and these can be customized for your state as every state has different quirks.