In Friday's New York Times, Floyd Norris writes what appears to be a puff piece for JP Morgan Chase, rather than a serious story about "Why Many Home Loan Modifications Fail." No doubt there are people out there having trouble meeting paperwork guidelines. Some people are also not making payments even after they get a trial modification. But Norris neglects to talk with the many folks who have sent their paperwork multiple times, only to have the banks misplace it. Or people who have been given more than one modification payment amount and don't know which to pay.