Will Modifying Loans Help Stop The Foreclosure Mess?

I have said many times that we need to do this to stop the large supply of homes coming on the market.  However, if someone never could have afforded the home a modification will not work.  Another problem we have is people who are upside down and walking away even though they can afford their payments.  There is no cure all answer but what I do know is that if you are trying to get a modification the people that work for the banks are incompetent. 

http://online.wsj.com/article/SB124718320592520315.html