If you've tried to remove the lens only once or twice and your eye is not irritated, itmaybehelpful to put rewetting drops in the eye and wait several minutes before trying to remove the lens again.
While this will behelpful in reducing foreclosures in the short run, if not handled carefully itmay also create perverse incentives for increased delinquencies in the future if the terms require borrowers to be delinquent in order to receive the windfall of principal reduction.