The federal government is now streamlining a process that gets borrowers out of foreclosure and into mortgage relief. The process up to now has been on a case-by-case basis (job tip for those of us out of gainful employment: there has to be a ton of jobs coming to deal with this mess. All at a customer-service-type level. And where there are customer-service reps, there are management positions); but still, the program will seek to find folks out there whose payments are greater than 38 percent of their income. That's still a huge number.

Forget daycare for your children! You might be better off just bailing (though I don't condone that).

Government Announces New Program for At-Risk Mortgages – washingtonpost.com