The New KBND.COM!!!: "Oregon Senator Jeff Merkley says the federal government must do more to help stem the flow of foreclosures. He says the federal home affordable modification program is not working. “The difficulty of having a common point of impact, of papers being lost, of suggestions to make partial payments or not make full payments. And while you are pursuing a modification tract, a foreclosure tract is also being pursued which has created enormous stress and confusion.” In Bend Tuesday, Merkley unveiled his proposed six point p"