There was no safety net granted to consumers during this ongoing recession, only the banks. I also have several friends that are in this same situation. Luckily, I was able to come up with enough money to keep my house from foreclosing, but many of my close friends were not and they stand to lose everything. The banks don't care because they can turn around sell the house and make the money back plus a profit. It is amazing to me that the interest equation for purchasing a house is much different than if you bought a car. The car will be paid off in 5-7 years on a $40,000-$50,000 note. A house will take 30 years to pay off and a consumer will pay three times its value. Now you tell me who is really profiting here, you guessed it the banks. There was no bail out for the consumers the tax payers of America, but plenty of tax breaks for the businesses, especially banks to name a few AIG and Bank of America. So how is this fair to the consumers? No tax breaks. If capitalism is going to work those of you that are in love with, please hold businesses under the same criteria as what you would expect from the consumer otherwise its theft.