The national foreclosure settlement included $3.6 billion in cash compensation to 4.2 million homeowners who received foreclosure notices in 2009 or 2010, but the payments have not done much to soothe borrowers' pain. While housing advocates complained from the start that the amount was insufficient, the dissatisfaction ramped up when homeowners began receiving their checks. Nearly 100,000 people said their compensation was less than what they believed they were due. To add insult to injury, some of the checks bounced. In addition, about 10 percent of the checks sent out so far were mailed to inaccurate addresses. That snag currently is affecting an estimated 400,000 recipients, some of whom are expecting checks for as much as $125,000. "An error rate of 10 percent in the simple task of mailing checks to homeowners is shocking," declared foreclosure attorney Elizabeth Lynch of New York-based MFY Legal Services. "But unfortunately this has come to symbolize the farce that is many of these settlements where regulators [opt] for a quick flurry in the press instead of the long-term systemic reform that is actually needed to help homeowners."