mr. grossman. first, that the unintended consequences of this kind of program can enable or encourage people to stay at home who really cannot afford and thereby delay, they beat her people as a result. i think that concern is by the experience in connecticut where we have a mandatory mediation program, not a voluntary one. out of 7700 cases in foreclosure, some 4040 families have been able to stay in their homes and are in their homes. so i would like to ask you whether you have any practical experience or statistical evidence -- mr. grossman has said that the evidence is only anecdotal so far -- that would address that concern. >> well, i think that one of the benefits that the lenders saw in our program is that the court would supervise it and cut it expectationsebtors' are unrealistic. that happens. most people in our district are represented by counsel. so there are advised by counsel in advance what they can achieve and what they cannot achieve. but there are times with individual debtors who

mrs. grossman. i'm chelsea. oh, please call me gertie. do you like to arm wrestle? ok, gertie. oh, good. i'll go easy on you. ok. she's so precious. but i think i can take her.

mrs. grossman. i'm chelsea. oh, please call me gertie. do you like to arm wrestle? ok, gertie. oh, good. i'll go easy on you. ok. she's so precious. but i think i can take her. all right. let's get this over with. rhonnie wilcox?! going once... going twice... going to the mall. she cannot hear you. oh, she's a little hard of hearing? ok. rhonnie wilcox! she cannot hear you! why? because she is in her room. my bad. let's go. ♪ if you could gaze into the future ♪ ♪ future,

mrs. grossman. i'm chelsea. oh, please call me gertie. do you like to arm wrestle? ok, gertie. oh, good.

mr. grossman's statement. the reality is hope now, doesn't help homeowners get through to a decision maker. the advantage of mediation programs is that they require each party to designate a person having authority to revolve the matter. a major failure is also homeowners are often never told why they're modification request has been denied even though treasury requires them to provide those reasons. under the rhode island and new york laws mitigation program, the services wish to terminating the program must state that in reasonable request to the court and information about denials can be obtained. the services are under contractual obligations to consider them before they close if a home owner is found eligible they're suppose to stop the foreclosure but the guidelines do not provide the same while they're application is under consideration. in bankruptcy loss mitigation program, that protection to avoid the foreclosure from proceeding while the application is going is available because of the automatic sta