March 11, 2010
Woman loses foreclosure fight; others have hope
Linda Harness gets emotional as she talks about going through foreclosure. By Sabrina Rodriguez, Eyewitness News
BAKERSFIELD, Calif. -- In October, Eyewitness News told the story of a woman who was trying to save her home from foreclosure.
Unfortunately, the situation has only gotten worse for her, but there is hope for other people facing a similar situation. "I've been in that home for 10 years," said homeowner Linda Harness. "Now, I have to uproot my kids and start over with a business?" Harness is frustrated, and with good reason. Her home is being foreclosed. But the most frustrating part is that Harness said she doesn't know how it happened. A few months ago, Harness contacted her lender, Aurora Loan Services, about going from an adjustable mortgage to a fixed rate. "I made sure the payment was on time," Harness recalled after being enrolled in the program. "I was so happy when they said we can resolve this." But in mid-September, ALS told Harness she didn't qualify for the program. So Harness enrolled in another program, or so she thought. "On October the first, they knocked on my door and said my house was in foreclosure," she said. Eyewitness News tried asking ALS about what happened, but it said its policy is to not talk to the media about their clients. Harness called, again, to try and get a straight-forward answer. But after numerous attempts to save her home, Harness' house has been foreclosed, and she's now wondering what to do next. "She may have a chance to save it, if she hires an attorney to investigate what promises were made to her," foreclosure attorney Robert Williams said. Williams said that Harness' situation may be too far along to do anything, but others who just started the foreclosure process have some options. "Anyone who receives a foreclosure notice should contact their lender to see if they can work something out," he explained. "Also, see a bankruptcy attorney to see what options are available. Any kind of bankruptcy filing will prevent a foreclosure sale from going ahead." Meanwhile, Harness has rented another home and is trying to move on, but it hasn't been easy. "I'll adjust to it, but I still had hopes that this is my house, (that) I'm going back to my home," she said. Williams said that if you have two mortgages and you file for Chapter 13 bankruptcy, if the house has dropped in value below the first mortgage, it will completely get rid of the second mortgage. |
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