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She currently assists homeowners who have lost their homes to foreclosure.
He is the founder of the Kentucky-based Paranormal Clergy Institute, which assists homeowners who think that their house has a demonic infestation.
Kenneth D. Wade, the chief executive of NeighborWorks America, a nonprofit group that assists homeowners, said he supported the N.A.A.C.P.'s contention that many minority borrowers had faced racial discrimination when they applied for loans during the mortgage bubble.
Borrowing your way out of trouble is not an uncommon strategy, and can be useful for some people, said John Snyder, the manager of foreclosure programs at NeighborWorks America, a nonprofit group that assists homeowners.
"I'm increasingly seeing people who are middle class or higher on the pay scale coming to the conclusion that 'I may be able to carry it, but should I?,' " said David Shaev, a bankruptcy lawyer in New York who assists homeowners in distress.
Third on the list is the deduction for interest, which assists homeowners, students and corporations that are hocked up.
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Also on Wednesday, regulators released a consumer advisory guide to assist homeowners who are seeking mortgage modification assistance.
"We have the tools we need to assist homeowners with troubled mortgages.
Federal programs to assist homeowners have been regarded as ineffective so far, and they are complex.
Both President Bush and Congress are preparing plans to assist homeowners facing foreclosure.
"We also will continue to assist homeowners who may have unique or special situations".
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