Some are casting serious doubts on H.A.M.P.A.

Five days before Christmas and there is debate amongst analysts that H.A.M.P.A. (Home Affordable Modification Program) will work. Their argument: unemployment around 10% means people can payoff their mortgages and H.A.M.P.A. only covers those with a job.

In the following report, various scenarios are considered. With healthcare reform, Copenhagen, and housing considerations ... its going to be lots of resolutions during the New Year of 2010:

Credit Suisse Report -