Americans all across our country are experiencing increasing financial hardship. Regardless whether or not distress to Americans is being magnified by arbitrary and capricious acts of the banks and lending institutions, too many Americans are in need of relief.

After the American people bailed out the banks and lending institutions via President Obama and our elected Congressional delegates, the banks and financial institutions have indiscriminately increased their interest rates, cut available balances and closed credit card accounts; which has negatively impacted millions of Americans ...