The foreclosure moratorium, part deux, is generating a lot of negative attention that may not be fully deserved. Several major banks have said they will halt foreclosure proceedings due to a raft of litigation from homeowners and investors and pressure from regulators. What started off being characterized as minor paperwork errors late last year has turned into something of a legal nightmare. But in the worst-case scenario, big banks will have delayed the inevitable for the housing market, while facing additional costs for reckless and sloppy procedures. In the best-case scenario, the halt in foreclosure proceedings may give the housing market enough time to begin healing again.