Right, so, instead of helping people back from the edge of the cliff, they shoved them off. The answer to your question seems to be that they should examine th

Right, so, instead of helping people back from the edge of the cliff, they shoved them off. The answer to your question seems to be that they should examine the account and offer a loan modification if certain conditions are met. They failed at this for these people. That other people aren’t eligible for modification and would be foreclosed on regardless is not relevant here.