U.S. foreclosure filings climbed 65 percent and bank seizures more than doubled in April from a year earlier as rates on adjustable mortgages increased and vacated homes added to a glut of unsold homes. Amid the mess mortgage lenders are telling us how many borrowers were helped by their loving, consumer oriented customer care staff. It sounds like banks could not help enough of their borrowers.
What guidelines did banks use to help the few?

If a mortgage was questionable or bad to be begin with it was a good candidate for a cover-up before it attracted attention. When mortgages were purchased from other sources they were good candidates, especially if the originator was subject to litgation or class action. The collapse of the U.S. housing market, the worst since the Great Depression, is contributing to the economic slowdown and may push the economy into a recession.