My problem is I am spending way too much time here instead of trying to earn more money (self employed).
Also we need to be committed to what we are organizing for.
My suggestion is more a fax/letter/e-mail campaign. We post and organize media contacts. regulators etc and of course our Congress folks which are easy to find info on as I have done to mine.
I have this posted on two other threads but my suggestion is the following talking points to do mail/fax/e-mail bombs to anyone who can do anything:
(personalized opening) I have been fighting to save my home for the last __ months trying to get a HAMP modification. I am at my wits end with the problems with its implementation.
Worse yet I am hearing about many foreclosures against all the directives at the same time many of us are making trial payments and trying to get HAMP modifications. People are having homes sold immediately upon denials often for reasons that don't make sense, with no time to pursue other options such as Chapter 13 etc. This is going on frequently even though against all the directives of Treasury and HampAdmin. This is causing huge emotional distress for many of us desperately trying to save your homes for our families.
The proof of this going on is evident from the thousands of reports on various web forums with desperate homeowners reporting their experiences.
What makes me even more scared are reports such as:
On 9/11/09 National Consumer Law center said "Participating servicers violate the HAMP guidelines by selling homes at foreclosure while homeowners are negotiating loan modifications, requiring waivers of homeowner rights, and refusing to offer HAMP modifications to qualified borrowers. Lack of transparency in the application, review and turn down process exacerbates these problems."
Attorney Jeff Barens warns in article of 9/11/09 “BEWARE THE “END-RUN” (SNEAK) FORECLOSURE” at
Foreclosure Defense Nationwide - Mortgage Foreclosure Help - Free Advice It reports the widespread practice of servers telling customers not to worry about the foreclosure notice, messes up the paper work and trustee sale is completed!
We need another foreclosure halt that can be enforced while under HAMP trials AND if denied at least 60-90 days before a sale can be done while other options are considered.
The problem isn't homeowners not contacting servicers and sending info, its the servicers being overwhelmed, losing paperwork that is sent in many times, and servicers not following the directives from HAMP/Treasury that is the real problem.
Few homeowners qualify for the refinancing programs since most are underwater. But HAMP modifications could be very successful with more servicer and investor cooperation.
The Congressional Oversight Report of 10/9/09 clearly shows the problem of HAMP is not the homeowners but with the implementation. As pointed out 2MP for second mortgages is badly needed but there is not enough funding for incentives to encourage participation.
Instead of allocating more billions for new homeowner credits, more should be done to and save the millions of us that are so desperately trying to save our homes but face huge obstacles with trying to get HAMP modifications. We are the hurting desperate citizens who can afford to keep our homes under HAMP.
Fix the HAMP and 2MP broken programs instead of rewarding new buyers that are not hurting like we are. HAMP and 2MP are very good programs, it is the implementation that is broken.
Instead of blaming homeowners for not responding to find out what is really going on in the real world just read the Congressional Oversight Report at
http://cop.senate.gov/documents/cop-100909-report.pdf.
There is a huge forum with sometimes 2000 members on at once sharing the real world issues of why HAMP is failing on the forum at
Home Loan Forum - LoanSafe.org 
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