The Salvation Army has been helping the needy for the last 120 years. The crisis has affected them. Donations are low. They are appealing to those who have, not to forget those who have not. Their good work does not end with the end of the festive season. They want the people to get back on their feet.

There has been a sharp rise in numbers of school children enrolling for free or subsidized lunches. The main reason has been the foreclosure related crisis. But there are other factors at play – one being direct certification. In 1946 Congress had enacted the National School Lunch Act following World War II.

The government and the judiciary have found the servicers to have grossly violated the law in foreclosing on military while they were on active duty. It is a criminal offence but instead of punishing the servicers they are being allowed to get away with settlements. Into this vacuum New York A.G. has stepped in.

The realtor of Prudential America Sam Wagmeister made a study of those people who bought homes between 2004 and 2008 to find out who were still living in the same house and how many of these homes have been foreclosed upon.

The high ended luxury houses are beginning to weigh down on the owners as the crisis drags on without any end in sight. They do not always sell at auctions and due to the focus on these expensive properties it becomes difficult to later sell them.

The judicial states are being hauled up for foreclosure delays by one set of legislators while another set feels that it is not good to expedite the process. The squabble goes on in the House Committee without any solution emerging while the nation and its people reel.

The Ruth Hyman Jewish Community Center (JCC) of Monmouth County is facing foreclosure and auction. Its president said that the downturn in the economy had badly affected it. Member numbers have fallen. The building is in bad shape. Talks are going on however with the lender.

With one skeleton after another tumbling out of the cupboard of Baum’s legal firm dealing with foreclosure it has been compelled to down shutters; Fannie and Freddie has taken away from it all assignments. The focus on these shoddy practices is good for all although the delay in processing will further tell on the housing market.