When Lisa Bogar and her husband Jim fell behind on their mortgage in the spring of 2008, they entered a bureaucratic labyrinth of lost paperwork, unreturned phone calls and frustration. "We regret falling behind and take full responsibility for our default," she told lawmakers recently. "We're still trying desperately to save our home. I believe if I had just one person to talk to, ask questions, review my paperwork, this could have been solved a long time ago." A bill passed by the Vermont House on Thursday seeks to address concerns like hers. It calls for mediation between lenders and homeowners before a home foreclosure goes forward.