To facilitate the financial stabilization of the American homeowner through responsible loan modification and to instill practical money management skills so distressed homeowners may better participate in the nations economy.

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The collapse of the housing market and the resulting impact on lenders has had a devastating effect on cities and towns across the nation. Unfortunately, current remedies seem to be focused exclusively on plans to rescue homeowners facing the imminent threat of foreclosure. No one would disagree that helping millions of Americans remain in their homes is a good idea, but the notion that the solutions currently proposed will also enable our economy to get back on track is somewhat flawed. To provide a meaningful economic impact, the solution needs to reach beyond homeowners already in default to include those who can barely afford to make their current payments.

Christopher Viale, president and CEO of Cambridge Credit Counseling Corp., an agency that hears from thousands of financially distressed consumers every month, is one of many who believe that a comprehensive and focused approach must be taken to get the American economy back on track - Home Sweet Home is such an approach.

Through their efforts, Cambridge has gained first-hand knowledge of the unique challenges the public faces in maintaining their financial obligations. As a witness to the current economic crisis, Mr. Viale has developed the initial concept of a foreclosure prevention measure, Home Sweet Home that could not only assist distressed homeowners, but also help lead the economy to a more widespread and lasting recovery. First, however, a conversation must be held to determine what solutions are feasible, which will do the most good, and how quickly we can reasonably act to save homeowners. The purpose of Home Sweet Home, therefore, is merely to begin that discussion, to put forth some proposals that seem appropriate from Cambridge’s perspective, and to encourage others to share their expertise in hopes of creating the most effective and appropriate remedies possible.