Who is at fault mortgage meltdown?

This mortgage disaster is virtually all caused by just five of our nations states. These states are Michigan, Florida, Arizona, Nevada and California. These greedsters are dealing with the biggest spike in real estate foreclosures and have been gutted the hardest by the economic disaster. Huge amounts of families are left with no house, but a stack of high interest credit card debt. Debt settlement companies have been proving to be a very good fix for so many of these victims of American greed.