(WSB Radio) -- Over four days, 60,000 people have been standing in the hot Georgia sun... hoping for salvation in the midst of America's money crisis. Now it comes down to this. A woman sobs uncontrollably, comforted by friends and her mother. This Haitian immigrant was drowning in debt, working two jobs to support her children and family members back home in the Caribbean. But when she lost one of her jobs, her entire world teetered on the edge of disaster. Instead, she came to the Georgia World Congress Center, hoping for a miracle. She found one: the Neighborhood Assistance Corporation of America.

"I was spending $1,120 (on my mortgage)," she sobs. "Now, I'm paying $490." Her mortgage rate has dropped from more than 11-percent to just over two percent. She hugs a small bearded man in a black shirt. 

Bruce Marks blushes and says, "I'm crying as much as she is. I mean, I have the best job in the country."

Marks is the CEO of NACA. Over the past 21 years, he says his group has struck deals with just about every major mortgage lender in America to restructure troubled and predatory loans - not just for a few years, but permanently. How can he do that?

"It's through our non-violent bank terrorism," he tells WSB's Pete Combs. "When someone loses their home to foreclosure, it's personal. We take... 600 families to the doorsteps of the (mortgage company) CEOs and hold them personally responsible. As a result of that advocacy, we have legally binding agreements (with the mortgage companies) where we can help tens of thousands of homeowners restructure their morrtgages to make it affordable."

On this tour, Marks and hundreds of NASCA workers are helping hundreds of thousands of troubled homeowners like Louis Ashton and Barbara Kelvin of Lithonia. Barbara had a brain tumor. That led to expensive surgery and a struggle just to keep their home. Now, they're stuck in a predatory loan with an adjustable interest rate of almost ten percent on their first mortgage and seven percent on the second. They've tried working with their bank, but Ashton says that's only cost him more money.

"The modification program the bank offered - the only thing that really did was increase our payment," he says.

"Yeah," his wife cuts in. "And they put what you owe at the back of the loan and they give you a new payment, but it's more than what you owed before..."

"So that really defeats the purpose," says Ashton, finishing the thought. "It really defeats the purpose."

After a lengthy interview, NACA counselor Norma Blakeny makes her recommendation to the Ashton's lender.

"We're going to try a restructure for $774 a month," she tells Ashton and Kelvin. That's less than half what they're paying right now. That, says Ashton, makes standing in line for more than ten hours worth the wait.

This deal still has to pass muster with the lender, but Blakeny is confident it will. 

Not everyone believes in NACA or its mission. Local mortgage lenders who spoke with WSB's Pete Combs say they've never heard of the organization - and they're skeptical about any operation that can do what neither a president nor the free market has been able to do for struggling homeowners since the mortgage crisis began. But Marks says his organization is 100-percent legit.

"It's one of those things that sounds too good to be true," he says. "But everything we do is real. And it's free."