Tomorrow in Phoenix Advocates & Actions will release a report called “Modification Mysteries: Playing Foreclosure Roulette with the Banks.” The report will not only document the huge ineptness of the Treasury Department and the banks in handling foreclosure modifications (as I discussed last week less than $250 million has been spent of the $50 billion TARP money set aside to prevent foreclosures according to testimony by the TARP inspector general to Congress!), but also the total indifference, program misunderstanding, and frankly incompetence of the way the banks have handled homeowners desperate for relief to prevent foreclosures.