Once again the 1% demons in the administration and congress sold out the 99% because the 1% wall st banks pay for their elections through PACs. They basically bribed the 1% demons in congress to go easy on them.
So here is what you do 99%, stop paying your mortgage immediately. Wait until the wall st scum banks intend to forclose and then file suit in court for the full amount of the mortgage deficit to value of the house. Also ask for punitive damages from fraudulent conveyance and request they show all documents.
There has been precendent already for this. Its time to get your money back 99%, the 1% demons owe it to you!