In times of economic crisis, the news is full of story after story of businesses closing, people losing their jobs, or rising rates of foreclosures. This can be upsetting to listen to, so why not just turn the channel? The news can seem impersonal when talking about a national crisis and it's easy to turn away from it. Citizens think they can just ignore this crisis until a man from the bank comes knocking on their door with an eviction notice. The truth is that in this economy, very few people have absolute job security and anyone's situation can change in an instant. As a growing number of Americans lack job security, they no longer have security at home. What was supposed to be the American dream now comes with the constant fear that everything will be lost if a mortgage payment is missed. According to the National Foreclosure Ticker at www.responsiblelending.org, there is a foreclosure in this country every 13 seconds. That's 6,600 foreclosures per day, and that's a total of about 2.4 million foreclosures if this trend continued for a year. Several articles show that there is no sign of this rate of foreclosures decreasing. One of the many reasons why this foreclosure crisis facing America today is so urgent is that it has a snowball effect that has effects far greater than the loss of their home. One of these effects is a never-ending recession. The attitude our government seems to have taken is that the United States must spend its way out of recession. This is evident from the hundreds of billions spent in the stimulus bill. The government cannot be the only one spending money to get out of the recession. It will also require money spent by citizens. With people losing their homes, their ability to waste paper...it's the perfect time because when the government stops paying, that will be when the recession is over. When the recession is over, there will be jobs and these people will be able to pay their mortgages. Of course, this plan will not completely end foreclosures. It's an impossible task. This plan aims to significantly reduce foreclosures so that the majority of people threatened with foreclosure of their homes are saved and other effects of foreclosures do not persist or worsen, thus leading to economic stability. In this time of economic crisis, citizens of the United States of America do not have stability in their jobs. They need stability in their home. They need to come home from a day at work or a day looking for work and know that at least their house won't be taken away from them either. This is exactly what this plan would accomplish.