J.D.

PORTER, LLC
LEGAL PRACTICE

Stephen M. Cutler
General Counsel
JP Morgan Chase & Co.
270 Park Avenue
New York, NY 10017
C.C.: Joanna B. McCarty, Esq. Associate Counsel JPMorgan Chase Bank, N.A. Mortgage Banking
Legal Department, 4 Chase Metrotech Center, 18th Floor Brooklyn, NY 11245,
718-242-0029, joanna.b.mccarty@chase.com
Re: Intent to file a complaint for rescission enforcement on behalf of Lance Cassino
Dear Mr. Cutler,

Date: 7/6/2015

I am an attorney licensed in the state of Colorado and retained by Lance Cassino (Mr.
Cassino) to assist in a potential lawsuit Mr. Cassino is prepared to file against JP Morgan Chase &
Co. (JP Morgan). In particular, Mr. Cassino will be seeking to enforce the rescission of a loan
issued to Mr. Cassino by JP Morgan. Mr. Cassino is willing to settle this case, as outlined by the
conditions below, and has requested this courtesy letter be sent before filing a complaint. If JP
Morgan does not respond to this letter within 10 days Mr. Cassino will be forced to file a lawsuit and
pursue all legal remedies available to him.
Mr. Cassino is seeking a rescission of his loan based on the recent United States Supreme
Court decision Jesinoski v. Countrywide Home Loans Inc., handed down in January of 2015. On February
5, 2015, JP Morgan received and signed for a loan rescission letter from Mr. Cassino indicating his
intent to rescind a loan provided to him by JP Morgan. A copy of the rescission letter is included
with this mailing. Under Jesinoski v. Countrywide Home Loans Inc., JP Morgan had 20 days to challenge
Mr. Cassinos rescission or lose all rights to do so. JP Morgan failed to challenge, or respond to the
letter at all within 20 days. Accordingly, by operation of law, the note and deed pertaining to the loan
is no longer valid.
In order to resolve this situation without having to file a lawsuit, Mr. Cassino requests that
JP Morgan comply with the following requests in accordance with the Truth and Lending Act, 15
U.S.C. 1634; Regulation Z, 12 C.F.R. 226.23(b)(5); and the Supreme Court decision Jesinoski v.
Countrywide Home Loans Inc.. Specifically Mr. Cassino requests that:
(1) JP Morgan record a satisfaction of the deed of trust in Jefferson County,
Colorado

(2) JP Morgan return the cancelled original note with endorsements and allonges
(3) JP Morgan return all closing costs and payments made from September 2005
through December 2010 with interest
If JP Morgan wishes to settle this without further court action please contact either myself or
Mr. Cassino - my contact information is listed below. Alternatively, if JP Morgan fails to respond to
this letter we will be forced to initiate a lawsuit and pursue all available forms of legal remedies that
Mr. Cassino is entitled to.

Thank you,

Jordan Porter
Principal
J.D. Porter, LLC
515 S. Clarkson, Suite 902
Denver, CO 80218
720-295-9028