The program --offer services to the 400 or so homeowners who receive foreclosure notices every month."What we are planning is a simple solution to a difficult problem," said Judge James, who then was president judge of Common Pleas Court.With an estimated 4,000 foreclosures pending in the county at that time, Judge James appointed Judge Michael E. McCarthy to supervise the program, which was implemented by court order in December 2008. Only five homeowners, or less than 1 percent, lost their homes when they ended up in bankruptcy."That a majority of people in our program are still in their homes is a really positive thing, especially in this economic climate," county spokeswoman Megan Dardanell said. "It shows that the program is working, a good step for the first year."