Problems with mortgage modification program

An article in today's New York Times describes ongoing problems with the Federal home mortgage modification program.  Not only have far fewer people than expected (or hoped) gotten involved with the program, many of those who have become beneficiaries of the program are now defaulting on their new, modified rates.  That might be a function of the modifications being inadequate or it could indicate that some who fell behind on their loans have other money problems that weren't necessarily caused by the size of the mortgage.

Here's a link to the article.