Robert Menendez actually said...

Moral hazard is also for those who created the lending products and drove people to mortgages they should have never been.

I believe we also need to have a discussion about what other opportunities there exist

New Jersey is the only State in the country that has a State law that puts the clear obligation on the lender that has initiated foreclosure...

One of the suggestions you have that is of interest to me, that the counselor have direct access to the lender.