They’re aimed at helping troubled homeowners by modifying mortgages to stave off foreclosure; lenders and servicers essentially agree to new and more forgiving terms to get their money paid back. The workout idea received a big boost recently as attorneys general and banking regulators in 10 states announced a summit in Chicago this week to press the mortgage loan industry into accepting more loan modifications. But as workout attempts begin, people on the front lines of the mortgage mess — housing counselors, advocates and legal aid lawyers — say they’re already seeing problems that cloud the prospects of workouts as a widespread solution. Barbara Morris, 49, a teacher in suburban Dayton, Ohio, tried calling Chase bank more than a half-dozen times and sent three to five e-mails last spring after she realized her 7 percent mortgage soon would reset to 11. read more