Beau Biden Foreclosure workshops

So, foreclosure workshops are the AG's new responsibility?  We're spending taxpayer dollars on things now that the banks should be and HAVE BEEN doing for years?  Here is an excerpt from an article on Biden's "workshops":

 The Attorney General’s Mortgage Fraud Task Force is sponsoring free statewide housing workshops on March 22 in Milford and March 23 in Wilmington to help Delawareans who are at risk of losing their homes to foreclosure.  The workshops, which are sponsored in conjunction with the State Bank Commissioner and Delaware State Housing Authority, are offered to facilitate loan modifications, reduce foreclosures, and provide educational information to help residents stay in their homes and manage debt.

“Too many Delaware families are suffering the devastating effects of foreclosure,” Attorney General Beau Biden stated.  “One of the ways we have responded to the foreclosure crisis is organizing housing workshops where homeowners can sit face-to-face with their lenders and discuss repayment plans to stay in their homes or other options to avoid foreclosure.  I’m pleased that ten of our largest mortgage servicers will be participating in next week’s workshops and I strongly encourage homeowners who are behind on mortgage payments and at risk of losing their home to attend, meet with their lender, and get information about the many services available to them.”

Foreclosure filings statewide in 2010 surpassed the record set in 2009, increasing 4.9% to 6,457.  All three counties recorded increases, with a 4% increase in Kent and New Castle Counties and a 7.6% increase in Sussex County.  Foreclosure filings for the first two months of 2011 are occurring at the same pace as last year, and it is expected that filings will surpass 6,000 again this year.
Since the Attorney General's Mortgage Fraud Task Force was established in 2009, more than 900 homeowners have attended 15 workshops with mortgage lenders and these events have helped more than 300 Delaware families modify their mortgages with the help of their lenders.  

Homeowners who have missed mortgage payment, are facing foreclosure, or suspect foreclosure fraud can receive immediate on-site help from housing professionals.  At each workshop, mortgage servicers, state employees, and HUD-certified housing counselors will discuss mortgage modifications, the Delaware Mortgage Assistance Program (DEMAP) and other government homeowner programs, and foreclosure rescue scams.

Well Beau...here's some news you may not be aware of.

 - HSBC loan modification program
 - Bank of America loan modification program active since 2008
 - Citi loan modification program active since 2007
 - Chase bank loan modification program

So...can you tell me again why we're spending tens of thousands of dollars on your programs to put people in touch with their banks when people can just make a phone call?