Neg Am Loans/Refi or Sale

I have a large amount of clients that purchased homes with the  Negative Amortization loan in the past 2 years.  In most cases, the client did not fully understand the type of loan or the payments involved.  With the refinance boom where I am located, this has created a monster and headache for most of us.  The clients don't understand that they owe more than what was borrowed, they didn't realize that they were put on a teaser rate in the beginning, which now they can't afford to live in the home they are in.  There only way to save their investment, which is what buying a home is all about, is to refinance and/or sell their property.  Since most of the homes went on the 80/20 program, there is little equity left in the home.  So what would an honest person suggest to their client?  I dread seeing homeowners loose their home because a loan was never explained fully in the beginning before signing the dotted line.  Any comments are welcome.  It is a difficult subject for many people in this industry.