Is the Federal Government Throwing a "Screen Pass" to deceive us with their ill Conceived Government Home Foreclosure Programs such as HAMP and EHLP?
Do you know how a screen pass works in football? The quarterback drops back to pass and the offensive linemen pretend to not let the defensive lineman rush past.
The defensive lineman gleefully rush in thinking they have outsmarted the offensive lineman and are about to sack the quarterback, when the quarterback just lofts the ball over their heads to the running back, who the defensive lineman gleefully ignored as they put their entire attention on sacking the quarterback. The running back suddenly has several of his own guys in front of him, and the defense way behind him in his rear view mirror.
When done correctly, the quarterback is able to get the pass off and also avoid the pass rush, leaving the defense to literally run in circles trying to catch the running back that they just let go by.
In many ways, the current home foreclosure debate has resulted in a lot of time spent rushing the quarterback, aka the government programs and the government rhetoric over whether the proper transfer of title was legally done, but not that much time on the actual real harm (aka the pass to the running back) that has already resulted from the improper transfer.
Is it possible that these federal programs and the ridiculous rhetoric over HAMP and EHLP are being thrown out there to create rancor and discord among "experts" on both sides of the issue so that issues that really matter, like what is a predatory loan, and the changing of terms without the expressed, written, consent of the homeowner, get obfuscated?