Well it depends on who you ask. Do you remember what the President said way back when he announced the HAMP program and the other Government programs to modify mortgage loans on behalf of weary homeowners unable to pay their mortgage payments? The President said he hoped to help 6-8 million people modify their mortgages down to affordable monthly payments and have them keep their homes. After over a year since these programs have been put in place, only 398,000 modifications have become permanent!! A far cry from the 6-8 million people that were supposed to be helped under the Obama Plan! Currently there are approximately 367,000 active HAMP Trials pending, however, only 235,000 new trials were started over the last 5 months. All of these numbers are well below those contemplated by the White House. In my own practice, a successful modification is the exception not the norm. I often hear horror stories from my clients about how they have sent the same documents over and over, just to be told that they were never received. Bottom line, HAMP will never accomplish what it was set out to do. Unfortunately, it is middle class America that has to pay the price, again.