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After discussing the article by Stegman et al., this comment describes the barriers to preventive servicing for securitized residential loans and assesses the importance of loan modifications, given the recent increases in default and foreclosure rates for subprime loans. Several hurdles slow or reduce such modifications, even those that help borrowers and investors alike. For example, self-interest may reduce servicers' willingness to modify loans rapidly. In addition, underlyingdoi:10.1080/10511482.2007.9521601 fatcat:zvsvf3y7kfcrjknp2i5e6zdeze