Delaware housing: 'Opt out' added to foreclosure bill

``the bill sponsored by Rep. Helene Keeley, D-Wilmington South, requires lenders and delinquent homeowners to meet. At present, Delaware's foreclosure mediation program is an "opt in" deal. About 86 people took advantage of it last year, Keeley said, and state officials, including Attorney General Beau Biden, have called it a failure: too few saves, too hard to get the lenders to the table.''