I have a solution for this problem.
The only way any of these government programs can work would be if the following was followed:
1. HUD or some other governmnet agency would have to administer this, like any other social program, like unemployment , etc., in order for this to achieve it's objectives.
2. All reporting to be done by this government agency.
3. This government agency would be responsible for initiating any foreclosure action.
4. This agency to work with the local and state housing agencies to help the homeowner, as the banks are in the businees of making money, and not to,help the consumer.
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