The Ohio Attorney General has issued a Report on the state's mortgage foreclosure crisis. According to a Press Release, the Report is critical of the entities that are loaning money under sub-prime lending practices. Click here to read the Report itself, which concludes that borrowers are not getting enough help from lenders, those who do get help are receiving loan modifications, borrowers either default long before their ARM rates increase or self-help their situations by catching up on their rising debts, and refinancing is disappearing as an alternative to foreclosure.