A closer look at the mortgage relief bill making its way through Congress. Apparently even some Democrats aren't crazy about the idea of allowing everyone in bankruptcy to force renegotiation of their mortgage on the lender, and mortgage bank lobbyists are trying to make it clear that this action could further drive their already hurting businesses onto the rocks.

Some Congressmen are even concerned about what it means for those who are currently paying their mortgage payment but struggling with it. Which is good, because a lot of Americans are concerned about why those paying their bills and acting responsibly get nothing, while those who over-extended and lived beyond their means get government (meaning taxpayer) assistance. If they are not careful, a bill like this one could induce those just scraping by to throw in the towel, and actually increase the rate of default.