Sacramento Pre-foreclosure Workshop December 8, 2009, Gives Homeowners Education, Options, Timelines, and Strategies to Fight Back As our country hemorrhages from a foreclosure crisis of historic proportions, home values plummeting, layoffs the rule instead of the exception and millions of families having lost their homes and millions more just a couple missed payments away from being homeless, one commonsense solution to the foreclosure crisis stands out. That solution is simple, modify loan terms . As simple a solution as this might seem, the reasons for the stagnation of action created by the complexity of the monetary forces behind our crisis are not so simple. At one time in our hi