All Johnson County, Kansas Homeowners who are in Foreclosure Over Bought, RIGHT?
My business partner and I have gone on over 100 appointments the past 4 months where a Johnson County homeowner was heading into a real estate foreclosure. As Loss Mitigation Consultants we help homeowners and banks mitigate their losses. Depending on the bank and their representatives we can request forbearance or a loan modification. Some banks are ok to work with and others are very difficult. Some treat the homeowners terrible and others are respectful. Lately, I had a discussion with a representative with a lender who was down right rude. His attitude toward the client was humiliating and he called the client 4 or 5 times a day. When the client informed me of what is going on, I immediately called the lender to see what the status was on the negotiations to a solution. The representative informed me that ALL homeowners who are in foreclosure are low life's and scum and that he makes a bigger bonus on harassing them.
I asked the representative if he had a chance to review the file. He said no he doesn't look at them that was a different department's job. His job, he informed me, was to collect past due payments.
I informed the representative that these homeowners were not bad people. I informed him that the husband became disabled and is waiting for his 1 year review before he starts receiving his disability insurance payments. The wife lost her job because she took off work too much to take care of the husband and one of their kids who have required many surgeries. It is true that they made well over $100,000 a year, but now they are living on less then $1500. Their health problems, health insurance payments, and car expenses have eaten up their savings. They were truly struggling. The representative, laughed and said, "I guess they didn't plan real well and they over bought."
Most people I come in contact who are in foreclosure are like most people and chose a plan to reach the American Dream. The unfortunate thing is they chose a plan that didn't work. A huge hiccup in their plan like an illness, job loss, fraud or a major negative event has gotten in their way. Most people think that ALL people who are in foreclosure over bought. That is not true. It can happen to any homeowner in Johnson County, Kansas.
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