ms. cohen, let me make sure i'm addressing the proper person. yes, ms. cohen. ms. cohen, you are giving us some intelligence on legal fees and perhaps some other piece. wod you restate that again, please, because i think the point was missed and i might, if i may, underscore it. >> sure. thank you for your question. during the foreclosure process the servers are in curzon visa to pursue the foreclosure on per half of the invest or trust, and that includes a hiring an attorney general to pursue the foreclosure, doing a wishon periodically. those fees are built to the homeowner. at a low modification happens sometime after those feet have been occurred, the principle of the loan that the homeowner is paying back include those fees and. and as it is harder to afford a modification if you phrack up a lot of fees so i have received a lot of concern come in quarries from folks in traditional state the same that their homeowners are having a harder time getting modifications because of the amount that are owed extra because of this process. >> will you kindly give a number

i think ms. cohen you're the one that tried to explain to us how servicers rushed to foreclosure rather than modification because >> sure. thank you. when a homeowner stopped making payments on the loan, the servicer is still required to adnce those payments to the investors and so one of the challenges for the servicer is to figure out how to finance the advances because they are generally financed and how to get the money back to pay back the financing. and when you have result in a foreclosure in general the servicing agreeme allows the service are to get paid back first from the foreclosure before the investo get any money. so the service are gets paid back faster and in a more sure way from the foreclosure. when there is a modification, the investors sll have priority in general. theyon't get paid fst. the servicer doesn't get paid first and the surface are has a way of recovering insured and it's not as fast. >> oka let me just ask ms. sheehan, chase lending, jpmorgan chase are your service is ad

cohen, and the gentlewoman from tennessee, ms. blag burn, each will control 20 minutes. -- mrs. lackburn, each will control 20 minutes. the chair recognizes the gentleman from tennessee. mr. cohen: thank you, mr. speaker. i ask unanimous consent that all members may have five legislative days to revise and extend their remarks. the speaker pro tempore: without objection. mr. cohen: mr. speaker, i yield myself such time as i may consume. the speaker pro tempore: the gentleman is recognized. mr. cohen: mr. speaker, i rise in support of house resolution 260, a resolution that supports efforts to reduce infant mortality in the united states. the united states amazingly enough ranks 29th in the world in the incidents of infant mortality. that is a shocking figure. and while there are a lot of reasons for infant mortality, there is education, there's health care, there are certain other issues that may be existent. health care is the primary one. and as we discuss health care in this congress, it's hard to submit looking at the united states being 29th in the congress in infant mortali