[Your information will be inserted here]
Prefix Firstname Lastname
123 Street Address
MyCity, St 12345

February 9, 2010

Dear [Official's Title and Name will be inserted here]:

I am deeply concerned about the epidemic of home foreclosures that continues to devastate families, neighborhoods, and our entire economy. Today an unreasonable rule prevents homeowners from even the possibility of saving their homes through the court system. This restriction--which does not apply to commercial real estate or vacation homes or any other type of loan --is costly to everyone, as property values continue to go down and spillover effects multiply.

I understand that when the Senate takes up the housing bill later this week, Senator Durbin will offer an amendment that would help stabilize the economy by allowing distressed homeowners, as a last resort, access to loan modifications through the courts. This approach would require no new tax dollars, and it would not excuse families from paying their mortgage. It would simply give judges the authority to modify unaffordable loans when homeowners have exhausted other options for avoiding foreclosure. Allowing distressed homeowners access to the court system will help protect the property values of ALL homeowners, and it will not cost American tax payers a single dime! And lenders will get as much as they would if the homes went to foreclosure, which is the only other option for the homes covered by this bill. I strongly urge you to support Senator Durbin's amendment.

I join with other concerned Americans in asking you to stand up for the families in our state and across the country by using your voice and your vote to give your full support to Senator Durbin's amendment. Thank you for your consideration.

Sincerely,

[Your name will appear here.]