I support allowing bankruptcy judges to change the principal owed on mortgages because the banks have not geared loans to facilitate greater home ownership, they’ve geared them to maximize profit. Since regulation has not kept banks in check, the situations are hitting the fan within the courts.. so judges are now on the front line of keeping people in their homes. Allowing judges to make loan payments affordable will keep A LOT of families in the homes they’ve purchased – and it will have that effect immediately.