PickensPlan

A Strong Middle Class Equals A Strong America

American Recovery and Reinvestment Act of 2009.pdf

A Strong Middle Class Equals A Strong America

Washington, DC White House – President Barack Obama today announced the creation of a White House Task Force on Middle Class Working Families to be chaired by Vice President Joe Biden. The Task Force is a major initiative targeted at raising the living standards of middle-class, working families in America. It is comprised of top-level administration policy makers, and in addition to regular meetings, it will conduct outreach sessions with representatives of labor, business, and the advocacy communities.

President Obama said: “The strength of our economy can be measured by the strength of our middle class. That is why I have signed a memorandum to create the Task Force on Middle-Class Working Families – and why I have asked my Vice President to lead it. This is a difficult moment. But I believe, if we act boldly and swiftly, it can be an American moment - when we work through our differences and overcome our divisions to face this crisis.”

Vice President Biden said: “America’s middle class is hurting. Trillions of dollars in home equity and retirement savings and college savings are gone. And every day, more and more Americans are losing their jobs. President Obama and I are determined to change this. Quite simply, a strong middle class equals a strong America. We can’t have one without the other. This Task Force will be an important vehicle to assess new and existing policies across the board and determine if they are helping or hurting the middle class. It is our charge to get the middle class – the backbone of this country – up and running again.”


About the Task Force

About the White House Task Force on Middle Class Working Families: The Task Force is a major initiative targeted at raising the living standards of middle-class, working families in America. It is comprised of top-level administration policy makers, and in addition to regular meetings, it will conduct outreach sessions with representatives of labor, business, and the advocacy communities. The Task Force will be chaired by Vice President Joe Biden. The Vice President and members of the task force will work with a wide array of federal agencies that have responsibility for key issues facing the middle class and expedite administrative reforms, propose Executive orders, and develop legislative and policy proposals that can be of special importance to working families.

Members of the Middle Class Task Force include: Vice President Biden, Chair; the Secretaries of Labor, Health and Human Services, Education, and Commerce, as well as the Directors of the National Economic Council, the Office of Management and Budget, the Domestic Policy Council, and the Chair of the Council of Economic Advisors.

Goals of the task force:

Expanding education and lifelong training opportunities

Improving work and family balance

Restoring labor standards, including workplace safety

Helping to protect middle-class and working-family incomes

Protecting retirement security

We’d like to hear from you. Over the upcoming months, we will focus on answering those concerns that matter most to families. What can we do to make retirement more secure? How can we make child and elder care more affordable? How do we improve workplace safety? How are we going to get the cost of college within reach? What can we do to help weary parents juggle work and family? What are the jobs of the future that we can begin to create? Please share your story with us and give us ideas for how to get the middle class going again.

Transparency: The Task Force will operate in a transparent fashion, in an open, two-way dialogue directly with the American people. Any materials from meetings or reports produced will be made available to the public at A Strong Middle Class Equals A Strong America.

The task force’s first focus will be green jobs as a pathway to a strong middle class.

Green jobs are jobs that provide products and services which use renewable energy resources, reduce pollution, conserve energy and natural resources and reconstitute waste.

So what do green jobs mean for the middle class?

First, quite simply, it means more jobs. At a time when good jobs at good wages are harder and harder to come by, it is critical we find new and innovate ways to create more such jobs. Building a new power grid, manufacturing solar panels, weatherizing homes and office buildings, and renovating schools are just a few examples of ways to create new good quality jobs – green jobs – and strengthen the foundation of this country at the same time.

Second, more green jobs mean more money in your pocketbook at the end of the month. If we create jobs that aim to reduce your energy costs – like your electric bill and your home heating bill – that means you have more disposable income for other things.

Creating more green jobs has multiple benefits. It helps the economy as a whole; it helps our environment; and it will save you money.

Stay tuned for more information on green jobs following the Middle Class Task Force’s, first meeting on February 27, 2009 in Philadelphia, Pennsylvania.

BRIEFING ROOM: The White House provides timely and accurate information about the President's latest events and public statements. Here you'll find photos, video, and blogs, as well as proclamations, executive orders, and press releases.


H.R. 1: House Stimulus Package - Free Legal Forms
PS: Don't have time to read all 647 pages? Shame, shame. Still, this bill is mostly a combination of bills moved through three major committees. Summaries of each section can be found here, here and here.

CREATE JOBS WITH CLEAN, EFFICIENT, AMERICAN ENERGY

To put people back to work today and reduce our dependence on foreign oil tomorrow, we will make
investments aimed at doubling renewable energy production and renovate public buildings to make them more
energy efficient.

! Reliable, Efficient Electricity Grid: $11 billion for research and development, pilot projects, and federal
matching funds for the Smart Grid Investment Program to modernize the electricity grid making it more
efficient, secure, and reliable and build new power lines to transmit clean, renewable energy from sources
throughout the nation.

! Renewable Energy Loan Guarantees: $8 billion for loans for renewable energy power generation and
transmission projects.

! GSA Federal Buildings: $6.7 billion for renovations and repairs to federal buildings including at least $6
billion focused on increasing energy efficiency and conservation. Projects are selected based on GSA’s
ready-to-go priority list.

! Local Government Energy Efficiency Block Grants: $6.9 billion to help state and local governments
make investments that make them more energy efficient and reduce carbon emissions.

! Energy Efficiency Housing Retrofits: $2.5 billion for a new program to upgrade HUD sponsored lowincome
housing to increase energy efficiency, including new insulation, windows, and furnaces. Funds will
be competitively awarded.

! Energy Efficiency and Renewable Energy Research: $2 billion for energy efficiency and renewable
energy research, development, demonstration, and deployment activities to foster energy independence,
reduce carbon emissions, and cut utility bills. Funds are awarded on a competitive basis to universities,
companies, and national laboratories.

! Advanced Battery Loans and Grants: $2 billion for the Advanced Battery Loan Guarantee and Grants
Program, to support U.S. manufacturers of advanced vehicle batteries and battery systems. America should
lead the world in transforming the way automobiles are powered.

! Department of Defense Efficiency: $1.8 billion for efforts to make our military bases more energy
efficient, beyond benefits that will come from replacing and repairing facilities.

! Energy Efficiency Grants and Loans for Institutions: $1.5 billion for energy sustainability and efficiency
grants and loans to help school districts, institutes of higher education, local governments, and municipal
utilities implement projects that will make them more energy efficient.

! Home Weatherization: $6.2 billion to help low-income families reduce their energy costs by weatherizing
their homes and make our country more energy efficient.

! Smart Appliances: $300 million to provide consumers with rebates for buying energy efficient Energy Star
products to replace old appliances, which will lower energy bills.

! GSA Federal Fleet: $600 million to replace older vehicles owned by the federal government with
alternative fuel automobiles that will save on fuel costs and reduce carbon emissions.

! Electric Transportation: $200 million for a new grant program to encourage electric vehicle technologies.

! Cleaning Fossil Energy: $2.4 billion for carbon capture and sequestration technology demonstration
projects. This funding will provide valuable information necessary to reduce the amount of carbon dioxide
emitted into the atmosphere from industrial facilities and fossil fuel power plants.

! Department of Defense Research: $350 million for research into using renewable energy to power
weapons systems and military bases.

! Alternative Buses and Trucks: $400 million to help state and local governments purchase efficient
alternative fuel vehicles to reduce fuel costs and carbon emissions.

! Industrial Energy Efficiency: $500 million for energy efficient manufacturing demonstration projects.

! Diesel Emissions Reduction: $300 million for grants and loans to state and local governments for projects
that reduce diesel emissions, benefiting public health and reducing global warming. This includes
technologies to retrofit emission exhaust systems on school buses, replace engines and vehicles, and
establish anti-idling programs. 70% of the funds go to competitive grants and 30% funds grants to states
with approved programs. Last year EPA was able to fund only 27% of the applications received.

Contact Elected Officials

We encourage you to contact your elected officials and share your thoughts on current events and government policy. Below you'll find links to e-mail and postal addresses, and phone numbers for key elected officials.

President Barack Obama and Vice President Joe Biden – Send questions, comments, concerns, or well-wishes to the President or his staff.

U.S. Senators – Search for your senators by name, state, or congressional class; and visit their websites.

U.S. Representatives – Find contact information for your U.S. representative by typing in your zip code.

State Governors – Select your state to access e-mail, telephone, and postal contact information for your governor.

State Legislators – Search for state legislators and topical legislative information, by U.S. states and territories.

The challenges our country faces are too great for us to sit on the sidelines. We’d like to hear from you.


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Comment by James Everitt on December 1, 2009 at 5:35pm

President Barack Obama makes a statement on the economy in the Diplomatic Room, announcing that a jobs forum will be held at the White House in December, November 12, 2009. (Official White House Photograph by Chuck Kennedy)

On Thursday, President Obama is hosting a discussion at the White House to explore every possible avenue for job creation. Small business owners, CEOs, economists, financial experts, and nonprofit groups, as well as Americans who have felt the impact of this economic crisis firsthand, will be there to share ideas.

But you don’t need to be here on Thursday to participate. You can join the discussion by organizing your own jobs forum with your family, friends, and co-workers -- because these conversations can take place in living rooms and conference tables, not just arenas and convention centers.

We’re looking for community leaders like you from all across the country to host discussions from now until December 13th. Your community jobs forum will be a source of insights and ideas that will inform the President’s approach to job creation.

To get started, let us know you’re interested, and we'll send you information that may help you organize a successful jobs forum in your community: Host a Community Discussion and Be Part of the President’s Forum on...

In the coming days, we’ll follow up with discussion questions and other materials to help make your event as productive as possible. We’re not able to offer an events center where anyone can find events already happening, so if you haven’t heard of one in your area, start your own and reach out to your network for participants.

After the event, we’ll provide a simple online tool for you to submit job creation ideas and thoughts. Back here at the White House, we’ll compile your feedback and send it to the Oval Office for review.

With all of us working together, we’ll get America working again. Get started organizing a jobs forum in your community today.

Let us know if you are interested in organizing a jobs forum in you..., and we’ll follow up with discussion questions and other materials to make your event as productive as possible. We’re not able to offer an events center where you can find events already happening, so if you haven’t heard of one in your area, start your own and reach out to your network for participants.

Look forward to hearing from you,

Valerie

Valerie Jarrett
Senior Advisor and Assistant to the President for Intergovernmental Affairs and Public Engagement
The White House
Comment by James Everitt on February 10, 2009 at 2:40pm


About Us

Download the Green For All Brochure (PDF)

Who We Are

Green For All is a national organization dedicated to building an inclusive green economy strong enough to lift people out of poverty.

By advocating for local, state and federal commitment to job creation, job training, and entrepreneurial opportunities in the emerging green economy – especially for people from disadvantaged communities – Green For All fights both poverty and pollution at the same time.

What We Believe

Green For All believes a shift to a clean, green economy can improve the health and well-being of low-income people, who suffer disproportionately from cancer, asthma and other respiratory ailments in our current pollution-based economy. Such a shift can also create and expand entrepreneurial, wealth-building opportunities for American workers who need new avenues of economic advance.

In other words: we believe that the national effort to curb global warming and oil dependence can simultaneously create well-paid green-collar jobs, safer streets and healthier communities.

What We Do

To realize our vision of an inclusive green economy, Green For All will:

Link activists and advocates, organizations, policy makers, practitioners, and business, labor, and community leaders together in dialogue to advance the vision of a green economy that benefits all Americans;

Lift public awareness on the potential of green-collar jobs to transform the economy, curb global warming, and build pathways out of poverty;

Leverage best green practices and policy into model programs and legislation that can be adopted at the national, state or local level;

Provide technical assistance to mayors and community groups to implement local green-collar job initiatives; and

Build an on-line community of practice to convene thought-leaders and share leading program models, technical documents and templates.


Comment by James Everitt on February 8, 2009 at 11:43am


Invite Your Friends to Watch the Video

President Obama recorded a video to speak directly to you about his economic recovery plan.

Invite your friends and family to watch the video and learn why our unprecedented challenges require immediate action.

You can even use our email contact importer to make it easy. Don't worry -- we don't hold on to any of the addresses you use.

After you watch the video, watch Gov. Tim Kaine answer questions from ordinary citizens about the plan and share your story about the economic crisis.

We're counting on you to collect the real stories of the challenges Americans are facing during this recession. We need to hear from you how the economic crisis is affecting your life and why the economic recovery plan is important to you and your community.

Once we receive your stories we will make them available to the public to show how critical it is to support the economic recovery plan.

Share your story click here.

Watch President Obama's video and share it with your friends and fa...


REMARKS OF PRESIDENT BARACK OBAMA

WEEKLY ADDRESS

The White House
Saturday, February 7, 2009

Yesterday began with some devastating news with regard to our economic crisis. But I'm pleased to say it ended on a more positive note.

In the morning, we received yet another round of alarming employment figures – the worst in more than 30 years. Another 600,000 jobs were lost in January. We've now lost more than 3.6 million jobs since this recession began.

But by the evening, Democrats and Republicans came together in the Senate and responded appropriately to the urgency this moment demands.

In the midst of our greatest economic crisis since the Great Depression, the American people were hoping that Congress would begin to confront the great challenges we face. That was, after all, what last November's election was all about.

Legislation of such magnitude deserves the scrutiny that it's received over the last month, and it will receive more in the days to come. But we can't afford to make perfect the enemy of the absolutely necessary. The scale and scope of this plan is right. And the time for action is now.

Because if we don't move swiftly to put this plan in motion, our economic crisis could become a national catastrophe. Millions of Americans will lose their jobs, their homes, and their health care. Millions more will have to put their dreams on hold.

Let's be clear: We can't expect relief from the tired old theories that, in eight short years, doubled the national debt, threw our economy into a tailspin, and led us into this mess in the first place. We can't rely on a losing formula that offers only tax cuts as the answer to all our problems while ignoring our fundamental economic challenges – the crushing cost of health care or the inadequate state of so many schools; our addiction to foreign oil or our crumbling roads, bridges, and levees.

The American people know that our challenges are great. They don't expect Democratic solutions or Republican solutions – they expect American solutions.

From the beginning, this recovery plan has had at its core a simple idea: Let's put Americans to work doing the work America needs done. It will save or create more than 3 million jobs over the next two years, all across the country – 16,000 in Maine, nearly 80,000 in Indiana – almost all of them in the private sector, and all of them jobs that help us recover today, and prosper tomorrow.

Jobs that upgrade classrooms and laboratories in 10,000 schools nationwide – at least 485 in Florida alone – and train an army of teachers in math and science.

Jobs that modernize our health care system, not only saving us billions of dollars, but countless lives.

Jobs that construct a smart electric grid, connect every corner of the country to the information superhighway, double our capacity to generate renewable energy, and grow the economy of tomorrow.

Jobs that rebuild our crumbling roads, bridges and levees and dams, so that the tragedies of New Orleans and Minneapolis never happen again.

It includes immediate tax relief for our struggling middle class in places like Ohio, where 4.5 million workers will receive a tax cut of up to $1,000. It protects health insurance and provides unemployment insurance for those who've lost their jobs. And it helps our states and communities avoid painful tax hikes or layoffs for our teachers, nurses, and first responders.

That's what is at stake with this plan: putting Americans back to work, creating transformative economic change, and making a down payment on the American Dream that serves our children and our children's children for generations to come.

Americans across this country are struggling, and they are watching to see if we're equal to the task before us. Let's show them that we are. And let's do whatever it takes to keep the promise of America alive in our time.

Thank you.

Comment by James Everitt on February 3, 2009 at 10:54am


American Recovery and Reinvestment Act of 2009

Making supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, assistance to the unemployed, and State and local fiscal stabilization, for fiscal year ending September 30, 2009, and for other purposes.

Current 111st Session of Congress Open Congress Summary:

The bill would invest $69 billion in energy efficiency, renewable energy, transit, and fuel economy programs. This is over three times what was spent on these programs in 2008 and appropriated for 2009. The stimulus package would dramatically reduce electricity and oil use, and cut greenhouse gas pollution. Most importantly, the bill would create an estimated 459,000 jobs by the end of 2010.

This is the economic stimulus package that the House of Representatives passed on Wednesday, Jan. 28th by a 244 - 188 Vote. This first version of the bill presents an $825 billion recovery package, developed by House Democratic leadership and the Obama Administration. The Senate will begin debating this bill on Monday, Feb. 2nd, with the goal of having a finished bill for President Obama to sign into effect by mid-Feb at the latest.

On this page, you can view the bill's official info, including the full bill text, and follow its latest status in Congress. For helpful background and more info on the stimulus debate, see the continually-updating news and blog coverage below. To speak out and give your personal vote on this bill, Join Open Congress, it's free and easy.

I hope you will join me in supporting these components of the Pickens Plan as H.R. 1 moves toward final passage in the Senate.

I need you to contact your U.S. Senators to tell them to support the Pickens Plan. Click here to send an email today.

Read the full text of the bill H.R 1>>>

American Recovery and Reinvestment Act of 2009.pdf

Stay tuned for more information on green jobs following the Middle Class Task Force’s, first meeting on February 27, 2009 in Philadelphia, Pennsylvania.

BRIEFING ROOM: The White House provides timely and accurate information about the President's latest events and public statements. Here you'll find photos, video, and blogs, as well as proclamations, executive orders, and press releases.

News multimedia video for American Made Energy Stimulus Act of 2009
Comment by James Everitt on February 1, 2009 at 3:40pm
Renew_America_Bonds.pdf


Savings bonds could be help in economic crisis!

While Washington tries to "fix" the banking and Wall Street mess created by subprime "gotcha" adjustable rate mortgages defaulting en masse, many of us are looking for a safer place to put at least some of our retirement, college funds, etc.

And we also want our country to become more energy-independent and our crumbling infrastructure repaired. But with things as they are, how can we accomplish these three objectives? A new form of U.S. Treasury savings bonds could be the answer.

Without U.S. saving bonds, we wouldn't have been able to supply our troops and allies like we did in World War II. If the U.S. Treasury issued energy independence and infrastructure savings bonds that paid an interest rate about 3 percent greater than the annualized FED rate adjusted for inflation, only be redeemable on their anniversary date(s), and what they pay is not taxed when they are redeemed at maturity, all three of these objectives can be achieved without any increase in taxes — especially if these funds were only employed as 1-to-2 matching funds.

Such bonds could increase employment enough to even reduce our taxes. Pass this idea on to your friends and then the politicians.

Renew_America_Bonds.pdf, 553 KB

Discussion link: Funding Energy Independence?
Comment by James Everitt on February 1, 2009 at 10:45am
Renew_America_Bonds.pdf

American Recovery and Reinvestment Act of 2009.pdf


American Recovery and Reinvestment Act

On January 28, the House passed the American Recovery and Reinvestment Act, H.R. 1, working from priorities shared with President-elect Barack Obama. This recovery package is the first crucial step in a concerted effort to create and save 3 to 4 million jobs, jumpstart our economy, and transform it for the 21st century. This means real change: it will strengthen the middle class, not just Wall Street CEOs and special interests in Washington.

Read the full text of the bill>>

The American Recovery and Reinvestment Act, H.R. 1 bill is now in the hands of the Senate, contact your elected officals and push the energy related legislation in this bill, thanks!

Stay tuned for more information on green jobs following the Middle Class Task Force’s, first meeting on February 27, 2009 in Philadelphia, Pennsylvania.

BRIEFING ROOM: The White House provides timely and accurate information about the President's latest events and public statements. Here you'll find photos, video, and blogs, as well as proclamations, executive orders, and press releases.

Contact Elected Officials

We encourage you to contact your elected officials and share your thoughts on current events and government policy. Below you'll find links to e-mail and postal addresses, and phone numbers for key elected officials.

President Barack Obama and Vice President Joe Biden – Send questions, comments, concerns, or well-wishes to the President or his staff.

U.S. Senators – Search for your senators by name, state, or congressional class; and visit their websites.

U.S. Representatives – Find contact information for your U.S. representative by typing in your zip code.

State Governors – Select your state to access e-mail, telephone, and postal contact information for your governor.

State Legislators – Search for state legislators and topical legislative information, by U.S. states and territories.

The challenges our country faces are too great for us to sit on the sidelines. We’d like to hear from you.


Comment by James Everitt on January 31, 2009 at 10:05am
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Comment by James Everitt on January 31, 2009 at 8:35am

The White House

ADDRESS OF THE PRESIDENT
TO THE NATION
January 31, 2009

This morning I'd like to talk about some good news and some bad news as we confront our economic crisis.

The bad news is well known to Americans across our country as we continue to struggle through unprecedented economic turmoil. Yesterday we learned that our economy shrank by nearly 4 percent from October through December. That decline was the largest in over a quarter century, and it underscores the seriousness of the economic crisis that my administration found when we took office.

Already the slowdown has cost us tens of thousands of jobs in January alone. And the picture is likely to get worse before it gets better.

Make no mistake, these are not just numbers. Behind every statistic there's a story. Many Americans have seen their lives turned upside down. Families have been forced to make painful choices. Parents are struggling to pay the bills. Patients can't afford care. Students can't keep pace with tuition. And workers don't know whether their retirement will be dignified and secure.

The good news is that we are moving forward with a sense of urgency equal to the challenge. This week the House passed the American Recovery and Reinvestment Plan, which will save or create more than 3 million jobs over the next few years. It puts a tax cut into the pockets of working families, and places a down payment on America's future by investing in energy independence and education, affordable health care, and American infrastructure.

Now this recovery plan moves to the Senate. I will continue working with both parties so that the strongest possible bill gets to my desk. With the stakes so high we simply cannot afford the same old gridlock and partisan posturing in Washington. It's time to move in a new direction.

Americans know that our economic recovery will take years -- not months. But they will have little patience if we allow politics to get in the way of action, and our economy continues to slide. That's why I am calling on the Senate to pass this plan, so that we can put people back to work and begin the long, hard work of lifting our economy out of this crisis. No one bill, no matter how comprehensive, can cure what ails our economy. So just as we jumpstart job creation, we must also ensure that markets are stable, credit is flowing, and families can stay in their homes.

Last year Congress passed a plan to rescue the financial system. While the package helped avoid a financial collapse, many are frustrated by the results -- and rightfully so. Too often taxpayer dollars have been spent without transparency or accountability. Banks have been extended a hand, but homeowners, students, and small businesses that need loans have been left to fend on their own.

And adding to this outrage, we learned this week that even as they petitioned for taxpayer assistance, Wall Street firms shamefully paid out nearly $20 billion in bonuses for 2008. While I'm committed to doing what it takes to maintain the flow of credit, the American people will not excuse or tolerate such arrogance and greed. The road to recovery demands that we all act responsibly, from Main Street to Washington to Wall Street.

Soon my Treasury Secretary, Tim Geithner, will announce a new strategy for reviving our financial system that gets credit flowing to businesses and families. We'll help lower mortgage costs and extend loans to small businesses so they can create jobs. We'll ensure that CEOs are not draining funds that should be advancing our recovery. And we will insist on unprecedented transparency, rigorous oversight, and clear accountability -- so taxpayers know how their money is being spent and whether it is achieving results.

Rarely in history has our country faced economic problems as devastating as this crisis. But the strength of the American people compels us to come together. The road ahead will be long, but I promise you that every day that I go to work in the Oval Office I carry with me your stories, and my administration is dedicated to alleviating your struggles and advancing your dreams. You are calling for action. Now is the time for those of us in Washington to live up to our responsibilities.


BRIEFING ROOM: The White House provides timely and accurate information about the President's latest events and public statements. Here you'll find photos, video, and blogs, as well as proclamations, executive orders, and press releases.

Contact Elected Officials

We encourage you to contact your elected officials and share your thoughts on current events and government policy. Below you'll find links to e-mail and postal addresses, and phone numbers for key elected officials.

President Barack Obama and Vice President Joe Biden – Send questions, comments, concerns, or well-wishes to the President or his staff.

U.S. Senators – Search for your senators by name, state, or congressional class; and visit their websites.

U.S. Representatives – Find contact information for your U.S. representative by typing in your zip code.

State Governors – Select your state to access e-mail, telephone, and postal contact information for your governor.

State Legislators – Search for state legislators and topical legislative information, by U.S. states and territories.

The challenges our country faces are too great for us to sit on the sidelines. We’d like to hear from you.
Comment by James Everitt on January 30, 2009 at 2:19pm

Worried about foreclosure?

Call now! The HOPE NOW Hotline, 888-995-HOPE (4673) is a counseling service provided by the Homeownership Preservation Foundation. A counselor will work with you to find a solution. The sooner you call, the sooner you can regain your peace of mind. The service is free and running 24 hours a day, 7 days a week.

We can help.

We are an independent nonprofit that provides a platform for HUD-approved counselors to work with servicers. We bring loan servicers to you, please visit our Homeowner Events Calendar for the latest information on our free outreach events.

The help we offer is free.

Our counselors are experts in foreclosure prevention and trained to set up a plan of action designed just for you and your situation. When you talk to the counselor, you won't be judged and you won't pay a dime. Counselors will arm you with education and support that assists you in communicating your unique circumstances to your loan servicer. For a list of all HUD approved counseling agencies across the country visit HUD.

Hope Now Alliance Wants to Modify About 2 Million Mortgages; Aid to Homeowners May Double Under Plan Backed by Bush and the Obama administration


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