Twenty months into HAMP, many troubles still exist and the program seems to have run out of steam.This is evident from all the processing problems we see and hear about on a daily basis. From lost documents, improper calculation of income, poor knowledge and implementation of underwriting guidelines, long approval times, and more recently the robo-signing scandal. The list goes on and on. And now we find the "Fatal Flaw" in HAMP. This could be our last chance to fix it. ...