Somehow, Congress keeps focusing on bailing out the lenders, the home builders, giving them breaks against the losses they incurred by making bad loans. Yet even with a bailout, they will still try to recover those losses from their customers by foreclosure and through draconian collection practices.

If a company gets a bailout benefit it must be required to renegotiate the loans it is collecting on to pass that benefit to the consumer whose loan is being forclosed on.