Going through a home foreclosure often can be a painful and difficult experience. I feel blessed to say my family has never had to go through the process, though it did happen to the previous owners of the house where we currently live. Foreclosure must be hard enough if the event happened as a result of one's own poor decision-making, or as a result of unexpected, unfortunate circumstances. But it has to be even worse if someone was harmed and removed from their residence because of errors made by the bank or other lender. Who is held responsible when such an injustice occurs? Congress stepped in to try to solve the problem, particularly for those adversely affected during the height of the economic downturn in 2009 and 2010. Yet … [Read more...]