It is pass time for this country to look after the consumers instead of the banks,credit card co., etc. My mom pass away, and I now have her mortgage to pay. So far I have been unable to re-finance the loan for several different stated reasons ie: still under probate (although the Court has released the house to me), mobile homes on the property, my credit score is to low for a conventional loan,. Now my bills (that I had before her death) will suffer, and go unpaid so I can pay the mortgage, therefore my credit score will drop probably to zero. It seems even though the President wants to assist the consumer the Banks/Mortgage Co.'s will find a way around assisting. I would relish any assist with my situation. I have pay my bills consistantly, and had a decent score until this occurred. Help the consumer for a change we deserve it.