I can see why the government wants to help out people who are falling behind on their mortgages. In fact, I think it’s good to pay some attention to the general public after all the assistance that has been given to Wall Street, banks, and now the auto-industry. However, there is a possible downside to helping out homeowners who are falling behind on their mortgages. It is possible that people are intentionally neglecting their mortgage payments in order to qualify for government aid. There aren’t any statistics on this, but economists say there is definitely the potential for abuse in this system. A warning for anyone thinking of beating the system: Experts say the damage that delinquent mortgage payments do to your credit rating can far outweigh any benefits, and that’s if you don’t get caught!