"Please hold and I'll transfer your call."
This is the response that many homeowners looking for foreclosure relief are hearing over and over again. After being stuck on "terminal hold" and transferred from one department to the next for hours only to find out at the end of the conversation that their mortgage holder can't help them or that their phone died, has become a true frustration for many looking for help.

If this scenario sounds familiar, try giving your member of congress a ringy ding! Representatives across the country are pitching in and taking steps to help keep their local districts from sinking further and further into a foreclosure cesspool. Some are even hopping on the phone themselves and listening to bad "on hold" music in an effort to help individuals modify their loans.

Give your member of Congress a call if you can't get through to the bank, you'll probably get to talk to a real person with a heartbeat and everything!