The main thing--besides having the interest rate fair and reasonable--
is to stretch out the time or months should the borrower need smaller
payments

It's not rocket science, and should have been done by mid last year or
much earlier

So much damage has beeen done up to now that it's hard to feel
optimistic, while this simple pragmatic adaptation shall possibly
prevent a depression or serious prolonged recession which has been
semingly inevitable and frankly tragically still is

http://www.miamiherald.com/business/nation/story/650997.html