Act with what? They don’t want to force borrowers into foreclosure, and are working hard to come up with options for defaulting borrowers. bigtrouble, you remind of auction_heaven_in_07, who writes on another blog about a big secret happening in September. Some people delight in blowing hot air all around, but not I. This isn’t a playground, but a place for exchanging knowledge. So either play someplace else, or bring something to the table.