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面对当前按揭贷款业的严峻形势，有人提出的另一设想是暂停执行全国丧失抵押房屋赎回权的法律程序(moratorium on foreclosures)，但它遭到奥巴马政府和国会中大多数共和党人的反对，但得到了参议院多数党领袖和其他参议员的支持。反对者称，此做法阻止了合格的购房者再获丧失赎回抵押房屋的机会，由此还拖延房市复苏。支持者认为，当前市场上已有数量众多的，已丧失赎回权的房屋在出售，已无继续增加这类供给的紧迫感。
企业层面为打破困局也在尝试新方法。花旗按揭贷款公司在尝试一项在合法程序下的创新做法，名为"以约定换取丧失抵押房屋赎回权('deed in lieu of foreclosure')"。其做法是，一旦银行承诺不启动丧失抵押房屋赎回权的司法程序，在与业主达成协议后继续让其家庭在住房内居住6个月，并在重新安置上给予相应接济，那麽业主会毫无争议地把当初的贷款契约文书交给贷款机构。
还有另外一些设想。哈佛大学经济学家Edward Glaeser建议，对承受巨量丧失抵押房屋赎回权案子压力的各州和地方法院提供联邦资助，同时给无法承担诉讼开支的低收入家庭提供最高为2000美元的法律补贴。美国企业研究会(American Enterprise Institute)经济政策研究部主任，《彭博新闻社(Bloomberg News)》专栏作家Kevin Hassett认为，新创设的金融稳定监督委员会(Financial Stability Oversight Council)应把清理丧失抵押房屋赎回权案子视为工作的头等大事。
加快处理速度至关重要。问题拖延越久，危机伤害美国人对金融和法律体系的信任就越严重。社会中若出现广泛的不公平、不公正的感觉，对经济和民主制度都是坏事。如同本文开始的案例那样，这位多年不偿还按揭贷款的故事主人公也把自己视为受害者，他称要向天下昭示是哪些恶人在对自己干了怎样的坏事。(皖东)