You say your mortgage payments have risen to the point where you and your family have been forced to cut back on “necessities” like dining in upscale restaurants seven nights a week, motoring about in luxury SUVs, and vacations in Hawaii every six months, just to pay the mortgage holder every month?

You also say that you were “tricked” into buying that million dollar home, which is now worth about $300,000, by an unscrupulous loan officer who got you the loan with no money down, based on your “stated income” of $15,000 a month from your position as an apprentice for plumber’s assistant, a job you have held for three months?

The “Bail out Express,” driven by President-elect Barack Obama and co-drivers Nancy Pelosi and Harry Reid will start its maiden journey of loan redemption throughout the land at noon on January 20, 2009.