HAMP = Foreclosure

``In summary, as I have shown in black and white and in the numbers, HAMP modifications are fatally flawed. For every person approved for a modification under HAMP, if they are above the MEAN Debt Ratio in the February analysis, the modification will fail. Even for people with just 50% Debt Ratios, the modifications will still end up in failure for most of them. Therefore, HAMP is a fraud!!! The Government knows this, and now you know this.''