Hi. Just a short introduction. I will be 60 years old in eight weeks. I have a college degree and have been a homeowner for 38 years mainly because for 24 of the past 27 years I have worked two jobs. Now, with our current economy, I only have one job. I’m a secretary making less than $30,000 a year. BUT I have two mortgages, and those two mortgages are $890 a month. If I could refinance, my house payment would be about $250 rather than nearly $900, and I could keep my house. Even though I have $60,000 equity in my house and only owe $30,000 to pay off the mortgages ($26,000 on the first mortgage and $4,000 on the second mortgage), Bank of America doesn’t care that I’m 60; that I have this much equity in the home; and that I have worked two jobs for over 20 years. They only care that now I can’t make regular payments and they are foreclosing on my house probably before my 60th birthday. So, I called HUD for advice. They told me to call the National Service Center who then transferred me to the debt collection department of Bank of America. In other words, even being an extremely responsible citizen for 40 years doesn’t matter to HUD or the National Service Center or to Bank of America. This is what has happened to me, a responsible, college-educated citizen in the United States. This is a sad commentary on both our state of affairs in the United States and an even sadder commentary on the assistance we can expect from Uncle Sam, no matter how hard we’ve tried.