Robert Menendez actually said...

"While the $26 billion settlement helps homeowners, it is a long way from healing the grievous wounds left by the crisis."

"Homeowners should have the benefit of a single point of contact for loan modifications to ensure continuity and certainty in finding their way through what is inevitably, no matter how many safeguards..."

"Every single program that has been discussed here today requires a counselor for a home buyer."

"Well, I know I wrote several letters to the New Jersey Housing and Mortgage Finance Agency saying you have the slowest start in the Nation."