More forward thinking, problem solving ideas coming out of the states…and working their way up to Washington, DC.  From WRAL.com:

According to RealtyTrac, which tracks foreclosures nationwide, monthly foreclosure filings in North Carolina dropped 27 percent in November compared with a year ago, while filings across the country rose 5 percent.

“Attorneys general play a critical role in preventing foreclosures and keeping families in their homes,” Easley said in a statement. “Since most mortgage investment packages today have been sold as securities and are owned by several parties, any one of these parties can file legal actions to prevent the loan modifications that help families avoid foreclosure. The attorneys general can ensure the public has the legal representation it needs.”

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