why doesnt it work

If the government makes groups to help people out, specifically the mortgage market and HAMP, why don't they work like they should. It sounds like they have horrible customer service where you submit applications then maybe you'll get a call in a couple months. If your lucky enough to get a call, the chance of you getting a refinance on your martgage is next to none. They havn't used much of their budget either. Why it doesn't work is over my head but the faster we can help out others, the faster we can hopefully get the housing market on the right track and help turn the economy around.