I personally feel that the goverment of Connecticut has done a good job of taking action to help homeowners in crisis with real solutions to help them keep their homes.  They have created programs to provide qualified homeowners with bridge financing to get their mortgages back in good standing, gotten subprime lenders involved in restructuring or refinancing adjustable rate loans into fixed rate or other more affordable loans and made lots of information available to the public so they know what options are available to them.

As part of these efforts, the state government is sponsoring a series of forums this Fall where homeowners can meet with state officials, loan officers and assistance agencies to not just learn more about their options, but actually take steps to help them keep their homes and get back on better financial ground.

The forums will provide homeowners with:

• Information about the Connecticut Fair Alternative Mortgage Lending and Educational Services (CT FAMILIES) program, which was created to provide ways for homeowners convert their high-rate adjustable mortgages to fixed mortgages. 
• Opportunities to meet with Representatives from the lenders that made their suprime loans to work out payment agreements or restructure the loans to make them more affordable.
• Details about Connecticut's Fair Housing and Predatory Lending Policies to make them more savvy consumers.
• Assistance from Utility companies for homeowners struggling with high energy costs.
• Helpful financial guidance such as, other Refinancing Programs, Financial and Credit Counseling and Delinquency Intervention.

Here is the schedule of the forums:

• September 20: Windham Middle School, 135 Quarry St, Willimantic
• September 27: Bennie Dover Jackson Middle School, 36 Waller St, New London
• October 4: Vernon Middle School, 777 Hartford Turnpike, Vernon
• October 18: Bridgeport Town Hall Annex Building, 999 Broad St, Bridgeport
• October 25: Southend Senior Center, 70 Canterbury Street, East Hartford
• November 1: City Hall, 125 East Ave, Norwalk, 3rd fl Common Council Chambers & Atrium
• November 15: Meriden – Location TBD

For more information about these forums, or if you can't attend the one near you, call the Connecticut Housing Finance Authority (CHFA) at 877-571-2432 or visit their website at http://www.chfa.org (there's lots of great information on the site for anyone who owns, or is thinking about buying, a home).