Canchafindme,
I feel your pain as well!
The housing bill that passed earlier this summer goes into effect on october first estimates are that it can help up to 400,000 homeowners who qualify (not everyone qualifies).
The bill that didn't get passed is the "Emergency Economic Stabilization Act of 2008 that didn't have much help for homeowners, see this link.
Emergency Economic Stabilization Act of 2008 Gives Little Hope for Homeowners