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Only the people that are in a foreclosure situation...know, their situation. Sometimes unanticipated things happen, like loss of job, children grow up and move out, less money comes in, yet expenses grow, divorce, children get into trouble with the law, etc. We need to have compassion. They are not asking to get the home for free. They just want a modification payment that is affordable. That's it. Home is Home. Come on Banks...work with the people!