It?s only 15 minutes into the session, but already every counseling table is full, and more people are waiting. There?s a constant murmur of conversation coming from the three tables, quiet but intense, and punctuated now and then by a louder question, a long sigh or a rueful laugh. Supervising attorney Sarah Orr is explaining options to the middle-aged couple at her table, with a UW-Madison second-year law student by her side. Held Jan. 6, this session of the Foreclosure Answer Clinic was the first offered in the new year, and the 13th since the free program started in July. It was created by the Dane County Foreclosure Prevention Taskforce and its legal partners in response to a rising number of homeowners facing foreclosure suits without lawyers ? about 85 percent are unrepresented in court, program sponsors said.