Family Comes Home To A Nightmare - Spokane, North Idaho News & Weather KHQ.com

Family Comes Home To A Nightmare

AOL.COM - Amid the avalanche of foreclosure proceedings unleashed by the housing crisis, thousands of families may have been illegally booted from their homes. The story of the King family, recently reported by WLUK FOX 11, offers a nightmare scenario of the hardship a family may be forced to endure because of such practices.

The Kings returned this fall to their old home in the town of Clayton, Wis., to find it in utter ruin: The basement was flooded in eight feet of water, the walls covered with mold and the kitchen littered with mouse droppings.

Their ill-fated home had sat unoccupied for more than a year, after the family succumbed to pressure from Bank of America, who notified them that their home would be subject to foreclosure because they had missed a mortgage payment. The Kings, who have eight children, knew that they had actually made their payments but gave in to the bank in order to shelter their children from the rocky proceedings.

"We didn't want to further traumatize our children by having a sheriff show up," Christina King told WLUK.

Originally, in 2009, the family had applied for the Home Affordable Modification Program, an initiative launched by the Obama administration that allows qualified borrowers to receive interest rate reductions on their mortgages. The program, which was recently modified so that it could reach more beleaguered homeowners, would have provided significant relief to the Kings by reducing their rate from 10 percent to 4 percent.

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