"What they told us is after three years we could come back and re-finance," Baron, who didn't want to share his last name since his foreclosure case is still tied up in courts, says. "And then after the three years we couldn't re-finance and everything started going up and up and up."

His attorney April Charney has seen countless cases like Baron's in Jacksonville.

"Right now we're seeing an exceptional rate of people who were sold loans at teaser low rates and now the price is schocking up on these loans," Charney, a lawyer with Jacksonville Area Legal Aid says. "They couldn't generate loans fast enough. It was almost like a beast they had to feed and they were hard at it to fill up with whatever loan they could get a person to sign."

Charney says portions of the government recovery plan will help struggling homeowners and help save disappearing pensions. But, she says the bill's language doesn't have any teeth that forces lenders to renegotiate bad loans and help speed up lengthy court battles.

"In fact, I was talking to a judge just today who said all he wants are rules he can apply across the board to modify these loans that are coming through almost on a conveyor belt."

Baron admits he doesn't know much about the specifics of the bailout. He now works two jobs to chip away at rising home payments.

"From what I hear, it won't really help us," he says. "They need to make something for better for the people down below. So we don't have to struggle quite so hard."