We the undersigned respectfully request that the attorney general of Delaware, the Delaware Housing Authority, the Delaware Office of State Bank Commissioners, and the sheriffs of New Castle, Kent, and Sussex counties put immediately halt to all sheriff sales and foreclosures until an independent third party with expertise in this area can review, on a case by case basis, each sale to ensure that the property owners are not victims of irresponsible lending and that every reasonable effort has been made to work out a feasible payment plan to ensure the occupiers keep home. We feel the burden of proof lay with the lender. And the financial responsibility to achieve these goals be placed on shoulders of the lender or current owner of the.mortgage.