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When everything is gone: Witnessing evictions

Posted: Thursday, July 17, 2008 3:36 PM by Elizabeth Chuck

By Aram Roston, NBC News Producer

The idea of last night’s Nightly News story where NBC’s Chief Justice Correspondent Pete Williams accompanied a Virginia sheriff as he served eviction notices was to capture the grim moment when people are forced out of the homes they think of as their own. The homes were foreclosed, the mortgages were unpaid and it is the moment when a family's American dream is taken away. The statistics of foreclosure are staggering, and each human story is a tragedy.

The people with the unhappy assignment of enforcing the court order are often deputy sheriffs. In Virginia, I rode first with Deputy Sheriff William Cenac, of the Fairfax County Sheriff's civil enforcement division, on a foreclosure eviction. "These are working people...these are working people," he said as he drove to the house.

He says his arrival is usually greeted with shock. In a sense, he says, "At this point in your life, everything that you know to be is over, your house, your yard, whatever. It's the property of the bank and you need to leave. I don't think it’s any different than your house burning down. Everything's gone. All your things are placed on the public right of way. It's helplessness: Where are you gonna go? Where are you gonna take your family? And you are still going to work every day."

To listen to a sheriff's deputy who handles evictions is an eye opener. "It's very silent the way it is. You live in a development, even in my neighborhood, where I live. You see these people, you see them cut the grass. And then all of a sudden it’s like, ‘Hey, where'd they go?’ They move out in the middle of the night, leaving whole houses. I have three foreclosures on the street where I live.”

Cenac points out it’s a long process. The bank must petition the court for a summons, and then there is more paperwork, and more warnings. And any homeowner who is being evicted gets a 72-hour notice posted on the door, notifying him when it will happen. Many people manage to leave their homes on time. But some don't.

“One I did in the early spring," Cenac says, "I served the document to the defendant in person. I said, 'Look, this is a 3000 square-foot townhome, you probably want to move before this happens, or at least gets together BEFORE.' But the day of the execution of this order I went out the property and the defendant is still there, and I said, 'Wow, I thought you would have been gone.' And she said, 'I don't have anywhere to go. I sent my kids to live with my sister and I'm just here and I don't know what to do.”

Empty homes, changed lives
But in many cases the former owner of the home is gone by the time Cenac gets there. That's what happened this time. When we arrived at the townhome Cenac and another deputy walked in, guns drawn. The place was empty, except for some children's toys the former owner left behind.

The next week Pete Williams and I and a camera crew headed out with sheriff's deputies of Prince William County. Deputy Mark Hurd was a veteran of the eviction process, who says it gets harder as he gets older, because of the emotional trauma of evictions. "It's tough to look in somebody's face," he says on camera. "You can see the anguish in their eyes. You can see what they're going through." Deputy Hurd says when he shows up reality finally sets on the scene. "Here comes a guy wtih a gun and a uniform and he's getting ready to ask me to leave my property!"

We accompanied Hurd to a home in Manassas, Va. The man he was evicting had lived there ten years with his wife and three children. He had thought he'd retire in the three-bedroom rambler, set in the woods. He'd also had his warnings that he needed to leave but he was not ready. He cried a little in the interview, and said he felt he'd let down his family.

But the finances of this mortgage had not worked out. After refinancing the home he said, and an illness, he was stuck last year with a $4800 a month payment he could not afford. Things went downhill from there.

But the cold inevitabilty of the eviction became clear as a locksmith changed the locks.

So the man who had intended to spend his life in the home did what he could to preserve his dignity and his belongings, gathering together his possessions and bringing them outside to truck away.

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Good Lord! Where is human compassion in all of this? Does GREED HAVE TO BE the ENDALL BE ALL?  When do we stand up as human beings and declare this "selling off of Live, Limb and Property" for the BANKS gain is over!  I just want to know how any human being CAN look another in the eye and SAY "YOU DON'T COUNT"...WE DON'T CARE!!
I can't bear that this loving planet has NO Love for anything but MONEY! TAKE A STAND!  ONE WORLD< ONE RACE!!!
I've never had the opportunity to buy a house but I hope I never have to go through an eviction, it must be very painful.  My heart goes out to some, but those who were overcome by greed, a hard bitter lesson was learned.
The man he was evicting had lived their ten years with his wife and three children.

Correct: had lived there ten years
Somebody please answer this question for me......

In the case of a legitimate hardship, WHY CAN'T OUR GOVERNMENT DO ANYTHING?  Stepping in to put payments on hold for a predetermined amount of time or accepting payment in the amount the family CAN afford for a temporary period, or do anything that can be done to help a hardworking family keep their home would be helpful.  
it breaks my heart to read about this. Especially since I know that very few of these people are deadbeats, they are hardworking people qwho have fallen prey to the economy, many sdont have family nearby and no where to turn. I know b/c I have been there, after a serious illness I couldnt work for nearly a year, but my landlord ( a large corporation) did not tak t that into account when my rent wasnt paid on time and I received an eviction notice, had it not been for my children living nearby I would have been out on the street. In todays economy, the lanlords need to find a way to work with the people who are trying so desperately to stay in their homes, in the long run, the landlords would come out ahead, as their tenants would remain loyal and take much better care of the proprty whwen they know someone is willing to help them out of a desperate situation.
My heart breaks for these families.  While big business gets all the breaks the families are being broken and torn apart.How sad....this is NOT THE AMERICAN DREAM!!!!!!!  Just yesterday I heard our President ask how much was gasoline...rather scary.I pray that these families find comfort and can stay together. This can happen to any of us so called use to be middle class. Keep in mind what happen to KATRINA.
I remember this happening when I was about 8.  My parents told me to pack what I could because in a few days we would have to leave.  I didn't understand and it was really hard for so long afterwards.  We moved constantly for 3 years before my aunt took us in and helped us get on our feet.  I found later that my dad had been laid off and my parents didn't want us kids to worry because they thought he would find another job, but he didn't in time and everything fell apart around us.  I feel for so many of these people and the kids, so sad.  
Wow, this has to be one the the more heartbreaking stories. To loose your home has to be very devastating. The Deputy Sheriff's have a thankless job, and I do not envy them one bit. I could not do what they do, not at all. I would have tears streaming down my face right along with the (former) homeowner.
I wish I could afford a home, imagine being in a worse situation.. these people lost their homes, and has a chance to take their belongings. You compare it to a house fire, but what house fire gives you 72 hours notice to pack? These people were once in a situation to afford a home.... I think there are people that are worse off... what about the 2 parents and 3 children sleeping in their car and begging for money at the gas station? At least these families got to live a day in the american dream.... there is definately more people out there that are much more worse off.
But on the bright side, the bank gets to sell the house again!
You should buy a house you can pay for,dont to exepct to live in a mollion dollar and hav a motor home and boats when you should be in a 100000 dollar house and pating your bills,dont ask me for help I live in a small house I can aford and no motor home or boats and other toys for the rich.l
In an atmosphere of greed and consumption, we all suffocate eventually.
I have a hard time feeling bad for people who do not pay their bills.  Sometimes it is hard to evict a single parent from their homes, but at the same time, we cannot afford to let people live at our homes for free.  We have our own mortgages and bills to pay and when we're not getting the income, when our budgets are falling short and we're getting tight necked by the boss, we don't have a whole lot of options but to follow through with our promises of the contract.  If we don't do it, someone else will.
Oh Poor Me....Who is going to take responsibility for my actions?  I got a clue for ya...Take responsiblity for your own actions...Pay your bills...Don't buy something you can't afford!  Don't break the law! Good grief people!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Thank-you to Mr. Bush who has squandered all the country's money on his war and left all his fellow Americans to slowly lose everything. He may claim to be a Christian, but it is obvious by his selfish and destructive policies that he is not.

There but for grace go I, and who knows when that might happen. I send prayers up and out for all those affected by the foibles of this administration and of their own understandable overzealousness. I pray all find a new home.
What a difference an admistration can make.  Gas at $4.30 a gallon, the dollar at it's lowest level, endless wars, ect. ect..  Yep! George Bush did well for us.
Oh, I want Alice to come over for dinner.  She seems like a fun person!  See you their!
I wish I could afford a small house of my own, instead of living in a bad part of town in a crummy rental, but I know what I can and can't afford.  Everyone is feeling so sorry for these people .  But you know what, maybe they shouldn’t have been so greedy in the first place.  A 3000 square foot home!! I know MANY people who would be thrilled to even have 1000 square feet.  If you bought more house than you could afford or played in the high risk investments you are getting what you deserve.  Don’t expect me or my taxes to bail you out!
If they had been "Illegal aliens" the sherriff probably wouldn't bother them
Every one condemning business.  Lets change the scenerio from a mortgage to your wages being unpaid and see what your opinion is.
Many are living in houses, and trying to keep a life style well above their means.  Like Waylon sang "So busy keeping up with the Jones,
four car garage and we're still building on"
While I am sympathetic to people whose illnesses have left them unable to pay their mortgage, many of the stories involve people who have agreed to make payments that they could not make. That is THEIR mistake, not mine. Our adult children have wisely decided to rent for now since the payments they would have to make (that they were approved for)on amortgage would be unrealistic. Why should I bail out people who made bad financial decisions?
God Bless these people and be at their sides as they go forward from such a devasting loss.  I couldn't disagree more with these comments made eluding to "pay your bills", "buy what you can afford"...these are tough times, costs surging higher and higher for everything, and I'm sure these people have fallen on very hard times where they CAN'T pay their bills. Perhaps they were laid off, perhaps they suffered a medical emergency. Where has compassion gone?
Strange how the government (ie. Mr. Bush) can give TRILLIONS for tax breaks for the rich, but just can't seem to come up with the money to help anyone else.. . Time for a change.
pay your bills and this wont happen dont buy something you cant afford
I can't believe how many people say "why cant the government do something"! haha... If your getting kicked out of your home, theres only one person at fault- you! You shouldnt have bought the house since you couldnt afford it! I don't see why it's my problem (the tax payer) that you bought a house you couldnt afford? Heck, if the governments going to bail people out, why don't I run out and buy a 10 million dollar house even though I only have a salary of $30k per year. then YOU can pay my house payment... sound good?
Wow! It amazes me at that some people cannot even spell correctly but, can make comments about a complex situation.  This country needs to address this situation and fast otherwise, this problem will lead to more in the near future.  
I do not understand how Bush can hold his head up. What he has done to this wonderful Country is unconcionable. He is reponsible for every life lost in battle, and the military homes effected by this terrible War is unthinkable. I don't believe a Christian President would have put his beloved Country in this horrendous situation. We NEED to take care of our OWN, my Father used to say, "Charity begins at home".  Try it Mr. Bush!
I've lived in 800 square foot apartments with my husband and 3 children.  Both my husband and I worked hard so that we could finally afford our "dream house".  Not the fanciest on the block, but it is a nice and modest home.  I got sick and with the cost of everything else (including the insane insurance price and also medical bills on top of the insurance), we can no longer afford our dream.  We are still making payments, but don't know how much longer we can afford to do that.  It's only a matter or time before we lose our dream house.  If it weren't for the medical bills, we'd still be living our little American dream.  
I think some of these families made the decision to "have food to eat this month OR make the house payment on time." WIth the price of everything so high these days (thank loser BUSH for that) some families have no choice...
Not all of these people are deadbeats who don't pay their bills. With rising cost of living, gas, food prices, housing and wages not rising with this, the Average Joe is having a very difficult time! The lack of compassion of many here and throughout our nation sickens me. Something I overheard the other day exmplifies the greed of those who are weathering this recession jsut fine: A woman talking to a friend about a home she & her husband wanted to buy. Not for herself or her family to live in mind you. She said that the payments would be under $300 and, "...we could rent it out for $1300 or $1400 a month!" Greed at it's finest and at the expense of others! In a city with a bad housing siuation already!
let me get this right,our gov, bails out old freddie and fannie to the toon of billions, but the people whos taxes make this possable, just get the boot, where is the justice in this great nation?GOD HELP US ALL.
These stories are sad, yet many of them are the result of the subprime market and adjustable rate mortgages.

Buyers - Don't purchase a home you can't afford.

Banks - Don't loan money to risky borrowers.

Remember the guidelines of having six months take home pay in your savings?  That recommendation was made to help carry you through those times of a job change or housing change brought about by an employment or medical emergency.

People have over extended themselves on their credit, and banks have been too willing to support it.

And come on people...George Bush is not responsible for home foreclosures! (Look instead to Alan Greenspan's economic philosophies) Nor is he responsible for $4.30 a gallon gasoline.  (Although his energy policy has not been the best, he is not the person denying us access to our own national oil reserves.)

We went though this stuff with the savings & loan collapses and real estate speculation in the eighties.  We'll get through this mess too.  It's just that more individual homeowners could be hurt because the bad lending practices and speculation extended so deeply into the ranks of those who lacked enough financial resources to weather the storm.
Just remember that all middle class people are a paycheck away from eviction!!! Some do fall on hard times & I have felt thier PAIN!
i used to work in real estate and see these closings take place.  many people just didn't understand about ARM and balloons or interest only loans.  education from the lender was sadly lacking.  when you do a reverse mtg you have to see a counselor.  i think for all loans the buyers should have to see a counselor before signing. its not the buyer's fault.  
Lesson #1: The bank is not in the friendship business, they are in the money making business.

Lesson #2: Don't take money you cannot repay.

Lesson #3: Your foreclosure affects my ability to get a decent interest rate, so PAY YOUR BILLS.
I DO FEEL SORRY FOR THESE PEOPLE BECAUSE I WAS ONE OF THEM. I DIDN'T OWN ANY "RICH PEOPLE THINGS". WE HAD A 820SF HOUSE. BUT WHEN BOTH WORKING PEOPLE LOOSE THERE JOBS...WHAT DO YA DO? I WENT FOR MANY JOB FAIRS ONLY TO FIND 2,000 PEOPLE FOR 5OO JOBS. THERE WERE 7 FACTORIES THAT CLOSED DOWN IN A MATTER OF 2 YEARS. ITS NOT ALWAYS THE PEOPLE FAULT. (BTW OUR JOBS WENT MEXICO WHERE ITS CHEAPER LABOR)
I lived through my parents' foreclosure 12 years ago and I was very angry at my parents' inability to keep things going.  (We got out before that final last day.)  It is a feeling that is hard to forgive and forget.  It just adds to the trauma of leaving.  My dad never fully got over loosing his home that he built himself.

I don't think the mortgage industry is totally to blame.  In my parents' case, it wasn't anyone's fault but their own in so many ways, boiling down to bad budgeting because the money was misappropriated.  The bottom line, though, was that our growing family just cost too much money on my dad's blue collar salary and he got to the point where he wasn't/couldn't/didn't going to cut back anymore.  

There are no clear villains in this war.  For those feeling like the mortgage companies are all at fault, I can personally tell you its not always the case.
PERSONAL RESPONSIBILITY:
Do not purchase what you cannot afford
Always pay your bills on time
Be dilligent in understanding what you sign
Take responsiblitiy for your own actions

and you will not find your self in this situation!

as a former property manager I have evicted several tenants over the years, and I have never seen one who didn't completely deserve it.  Medical/ health related is the only valid reason for some kind of special arrangement.  

1) Cut your loses, sell and rent where you can afford
2) work out a deal with the banks, they are under pressure from bleeding hearts these days
3) dont get into this situation in the first place
we are all to blame, the government,businesses, you and me. eazy credit, living over our means. looks like it is time to tighten our belts, and be conservative. we have lived to close to the edge of the cliff for to long, now a lot of use are falling off.  time to go back to planting gardens, a tv antenae with 3 stations(gasp), one phone, one car, a average house of 1500 square feet with a poarch and swing, dinner with the family, kids playing outside, work  within walking distance, businesses closed on sunday. we really need to take one big step backwards and take  a big breath and regroup. if we dont the america we love and cherish may be a thing of the past.
we are all to blame, the government,businesses, you and me. eazy credit, living over our means. looks like it is time to tighten our belts, and be conservative. we have lived to close to the edge of the cliff for to long, now a lot of use are falling off.  time to go back to planting gardens, a tv antenae with 3 stations(gasp), one phone, one car, a average house of 1500 square feet with a poarch and swing, dinner with the family, kids playing outside, work  within walking distance, businesses closed on sunday. we really need to take one big step backwards and take  a big breath and regroup. if we dont the america we love and cherish may be a thing of the past.
The guy has a $4,800 mortgage?  And his economic problems are somehow George Bush's fault?  For the last 20 years and maybe more, American's have been buying everything they can get their hands on with money they haven't paid.  Americans are responsible for the downfall of our economy...not the President.  People who buy houses and all sorts of junk they can't afford, who don't lay up enough money to survive in case they get sick or lose their job are not wise.  Being an American means that you have the right to pursue happiness, it doesn't mean you are actually entitled to it. It's not the greed of banks that is the problem...it's the people who are never satisfied, who borrow money they can't pay back.  They shouldn't have purchased a house they couldn't afford.  It's highly likely that a lot of these people never even put any money into the house in the first place...with a zero down 125% financing loans.
You guys are rediculous. "Don't buy things you can't afford". Well, let me tell you that at $120k a year, I could afford a 2.5k house payment,car payment and more. But then I lost my job. As a Sr. manager I expected that I shouldn't have much problem finding another, but it took almost 9 months. I had used up all of my savings (three months worth around 30k) and it was only luck that got me a job and a good ear at my credit union who held my HELOC who refinanced my house. We closed the day the deputy posted the notice on our door. There are thousands out there that could afford their homes when they bought them but circumstances led to a lose in wages. Don't fricken judge people on the basis that they lost their homes because they over spent.
Don't buy a house you can't afford...I LOVE that comment! Most people buy houses they can afford and then their mortgage company raises rates...or completely collapses. Or the cost of living goes up and their wages don't. A lot of people out there are working EXTRA jobs just so they don't have to make that choice...food or gas! And THAT doesn't even help all the time. These are good people who got caught up in the economy. For those of you who can't seem to muster any compassion for these people being put out in the street...try to put yourself in their shoes! The way things are going...you just might be there soon!
All of keep saying "buy what you can afford."  Have you stopped to think that maybe when they bought their homes they were buying what they could afford?  You do not know what has happened in their lives to cause them to be in this position.  It is not our place to judge, but at least show a little compassion.  
My heart goes out to those in need but look for what's really important in your lives.  I gave my 49 year old wife CPR for 15 minutes while paramedics showed up.  I walked her daughter down the isle at her wedding two days later.  Took her off life support the next day.  I'd trade all I have and sleep on the street to have her back.
I'm sure some of the people lost their homes because they overextended themselves but some of us were living in a small home with a fixed rate for a short amount of time that changed to an adjustable rate. When it came time to refinance, because of the economy, our homes were no longer getting the appraisel needed to do the refinancing we needed to keep our payments at an affordable rate. My payment jumped $500.00 a month. I am a single mother living with one income and an extra $500.00 a month was more than I could do...lost it. Up until that time I had NEVER had even one late payment. For all those in the same situation, I'm sorry. I know how it feels.
Ok, blaming the president for war and high gas prices I understand. Blaming him for people being evicted from their houses for not paying their mortgage? Ridiculous. George Bush is no great statesman, but this is giving him way too much credit, even negatively. There is no right to own a home in the United States. If you cannot afford one, you shouldn't make a binding contract promising to pay for one. It is too bad that lives are altered in evictions, but for many of these people poor decision making and bad budgeting are the causes. Also, demonizing banks for wanting their money that is outstanding on loans is ignoring the issue. If a private person owns a home and rents it out, they have the same right to evict a non paying tenant. Remember, the economy has taken a huge hit from all of the billion dollar write downs on loans that banks had realized they were never going to get paid on. Bottom line, blame the real culprits in this mess, the greedy subprime lenders that shouldn't have loaned money and those unwise people that bought much more than they could afford.
I agree with all of those that encourage people to have charity. That's fine, give a handout from your own pocket, just don't waste more of our tax dollars on another irresponsible idea.
alice are you a teacher or do you feel better about yourself correcting others mistakes. Isn't the spelling thats important, but the message. My son got hurt badly and was out of work over a year, his insurance company put a cap on what they'd cover.  Wow. They COULD afford it when he got hurt, but barely managed to make it throught this. All the talk about don't buy what you can't afford, man,etc. some incompassionate people out there. You're young and buy a home with the amt of room you're suppossed to have and things are going well. Then tragedy hits. MAYBE a cap on Dr.s costs, hospitals, labrotories and decent health insurance would help!!!
At the time they purchased the home, the mortgage rates were probably affordable, but now due to inflation of everything including flexible mortgage rates, they have a mortgage that is almost double what they started out with. Why can't we be more tollerant of someone who is down on their luck, even if it may have been poor choices made in the past. We ALL make mistakes in life.


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