Oregon Senator Jeff Merkley says the federal government must do more to help stem the flow of foreclosures. He says the federal home affordable modification program is not working. “The difficulty of having a common point of impact, of papers being lost, of suggestions to make partial payments or not make full payments. And while you are pursuing a modification tract, a foreclosure tract is also being pursued which has created enormous stress and confusion.” In Bend Tuesday, Merkley unveiled his proposed six point program to help. It includes a permanent tax credit for first time home buyers, helping families through a national sort refinance program, and setting up a third party review before foreclosure. The Senator says more than 300,000 foreclosures have been filed nationwide every month for almost two years. Last year, almost 28,000 Oregonians have been served with foreclosures. Merkley says Congress and the President must take action to deal with the mortgage mess.