Make it illegal for banks to force Homeowners to go behind on their payments with a promise of help

Almost 5 years after the mortgage banking meltdown truly began, Banks are still requiring that a homeowner is behind on their payments in order to be considered "in need of any help". These Banks require and encourage said mortgage homeowner to be behind in their mortgage payments with promises of the loan modificaiton that never comes OR in the matter of a Short Sale. Aug 3rd of 2007-My nearly 10 year career as a Senior Mortgage Banker abruptly ended with the Nationwide Mortgage Bank I worked for in 23 HOURS in one of the very first mortgage banking meltdowns. 10, 0000 employees nationwide without work, salaries,sick or vacation payouts and of course none of received our "guaranteed continued benefites". I had something added to this very stressful time. July 2006 I moved my entire single life from Santa Cruz, CA to the island of Hawaii to open an office for the company and as well my lender employer was more than willing to put me into a mortgage loan for a new home - my first in 16 years after a really bad divorce - I was thrilled. A container over the ocean, 2 cars, me by myself with cat in tow. And now I found myself literally stuck on an island. At age 53, forced to leave my new home behind (and the nearly $20K in new furnishings, etc.) and return to my business base in CA. to see what I could salvage of my career. I went without a paycheck for two years! I emptied my retirement and savings in an attempt to hold everything together. June 2008, my mortgage bank let me know that I needed to be behind in order to get a loan modification. Of course as a mortgage banker this was so wrong in our business and by Dec 2008 I was forced into defaulting before EMC/Chase would help me or say they were helping me. While reinventing myself into a Realtor/Senior Short Sale Negotiator - (I have negotiated nearly 280 short sales now-where I have learned a great many things) I was denied over and over again for a loan mod. 32 Months later - I gave up as the loan mod of course never came. At the beginning of 2011 I needed a new car and my credit is SO severely damaged due to this I had to rent a car on a month to month basis until I could pay all cash for one. July 2011 I was once again denited - I have worked some 70 plus hours a week for nearly 5 years and I have come to the conclusion about why no loan mod has come which is another story. Bottom line - I am left now at age 57 with no retirement, savings living paycheck to paycheck trying to rebuild my life working way more than someone my age should - but so many people need help.Life is dimishedin so much when you lose job and career without site of another one. It is hard enough financially and certainly emotionally as documetaries continue to demonstrate - must we also give up what is left of our dignity to these giants that can not fail by surrendering our credit as well? Loan Modifications are NOT the banks plan. Only 11% across the board have been issued and most fail again after that. It isn't their agenda. You end up selling short or foreclosing. I SAY NO MORE!!!
NOTE: Nearly 79 Million Baby Boomers in this country are cleaning out their retirements AND kids college funds to make payments they CAN NOT AFFORD in order to have a place to live AND hang onto their clean credit. Picture this: 10-15 years from now there maybe NO Medicare, NO Social Security and certainly NO Retirement for these Baby Boomer Seniors to live on. As well, if they spent their kids college funds paying mortgage payments on home loans worth twice what the property was and still lost the home....who will be running our country with all of their children without higher educations?