By David Bornstein
At the end of this week’s Fixes column on ESOP, an organization in Ohio that helps prevent foreclosures, I promised to share some stories of homeowners’ experiences. I also asked readers to write in with their own mortgage tales. Many did. The stories illustrate why trusted, nonprofit, third-party intermediaries like ESOP, which know how to communicate productively with both homeowners and lenders — and are committed to finding solutions — are needed to ease the housing crisis. Even better, a few readers offered suggestions about how to avoid this problem in the future.