Shortly after I first started writing about HAMP, I had an email exchange with a housing counselor who said I was being too harsh on the program, that borrowers in trouble had no recourse, and that I basically didn’t understand the pressure these homeowners were under. The dozens of emails I was getting from all around the country from borrowers, all of whom almost without exception were saying that HAMP was making their problem more intractable, differed with this counselor. And now, a year later, apparently the great majority of housing counselors disagree as well.