Yesterday was the first settlement discussions between the major mortgage services and the Department of Justice and the Attorney Generals of all 50 states regarding the banks misconduct concerning foreclosures and loan modifications. The government is seeking penalties of up to $25,000 billion and allowing homeowners to sell their homes for less than they are worth.  Unfortunately, it sounds like the settlement discussions are moving at the same pace as many Americans request for a loan modification or a short sale.  A spokeswoman for the Department of Justice following the discussions stated that reaching a settlement with the banks will take “months”. Lets hope something can be done before it is too late for many Americans.