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