Let's see... If I'm a renter and I don't pay rent I will be putting a mattress in the back of the pick-em-up truck I just bought and sleeping there, but if I'm in a mortgage I get off scot free, at least for a while? OK, if there is a bank or law firm out there doing the wrong thing then slap them on the wrist, but don't simply allow all the deadbeats to remain in their homes like this. All any government can do is delay the inevitable. Quit trying to do that and let the market correct itself. No, it's not going to be kind, fair, compassionate, or any of those things. Sometimes I think they're just trying to keep the peasants from taking up pitchforks and torches and marching on Washington D.C.
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Just let them be. Big business ALWAYS does the right thing when it's unregulated... 
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I don't see anyone here saying that.