WASHINGTON -- They all agree it's a problem, but members of Congress can't agree on how to intervene in the nation's foreclosure crisis.

This week, U.S. senators are debating a Democratic plan labeled "Foreclosure Prevention Act of 2008." The bill calls for $200 million in funds for mortgage counselors nationwide. It would also adjust the federal bankruptcy code, in order to allow bankruptcy judges to modify home loans for bankrupt families.

The likelihood of such plans becoming law are unclear. There's no indication the U.S. House is planning on passing a similar bill. The White House hasn't endorsed the plan either. White House press secretary Dana Perino told reporters President George W. Bush is urging at-risk homeowners to explore government-supported mortgages through the Federal Housing Administration.

"Today the President was pleased to learn that that program has reached a milestone of helping over 100,000 Americans," Perino said.

Earlier today, congressional leaders announced the approval of $130 million in federal grants to community groups who help at-risk families avoid foreclosures. An undetermined amount of those grants will be made available to three local groups: Community Action Commission of Belmont County, Consumer Credit Counseling Service of Steubenville, and the Ohio Housing Finance Agency.

Pete Sepp, spokesman for the National Taxpayers Union, has criticized these attempts at government intervention in the housing market. Sepp said, "Every billion dollars the federal government adds to these bailout pools only increases the chance of another bailout down the line. We're effectively rewarding the bad behavior of lenders and some borrowers."

For reaction from local leaders and critics of the federal government's plans to help at-risk homeowners, click on the VIDEO links on the right side of the screen.