Thus does Big Mother make gonophs of us all: How to keep your house by taking taxpayers for a ride

This is choice, from the San Francisco Chronicle: To qualify, you must be at least 90 days delinquent and live in the home as your primary residence. You must owe at least 90 percent of the home's value. It's fine if you owe more than it's worth. Your mortgage must be owned or guaranteed by Fannie Mae and Freddie Mac or held by one of the participating loan companies. If you meet these requirements and can document your income, your servicer will reduce your monthly mortgage payment - include

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