4 On Your Side Helps Family Save Home From Foreclosure

PARKER, Colo. (CBS4) - It was a mistake, but it nearly cost a Parker couple their home. The couple turned to CBS4 to help save their home from foreclosure.

4 On Your Side Consumer Investigator got the attention of Bank of America and now the case is closed -- but it took a lot of work.

Terrie and Alan Hall kept good detailed records, and they were in the right.

"I'm almost afraid to go let that breath out," Alan Hall said.

The Halls owned their home for 16 years, raised their children there, and had the same dreams for their grandchildren.

Terrie Hall qualified for and got a loan modification in 2008. When their first bill came on the new loan it showed they were two months behind on their payments -- $1,242 in arrears -- a big mistake.

"It's a clerical error. We'll get it fixed. No big deal," Alan Hall said.

But it became a really big deal. the bank started penalizing them for late payments. Then it actually stopped taking their mortgage payments and started sending their money back to them. Foreclosure proceedings started and a sale date loomed. That's when Alan and Terrie Hall contacted CBS4.

"I don't know what would have happened if you all wouldn't have stepped in," Alan Hall said.

The Halls finally got the bank to credit their account with the $1,242 mistake. But by then their account was $4,186 behind for all the payments the bank had sent back. And Bank of America was charging them $4,145 in foreclosure expenses and attorney fees.

"I got a new contact person, someone who was working in the CEO's office," Alan Hall said.

Bank of America responded and the expenses and fees were waived, the foreclosure halted, Alan Hall's credit score restored, and his mortgage statement states all payments are current.

"Don't give up, you just have to continue to fight," Alan Hall said.

After nearly two years the Halls hard fight finally paid off.

CBS4 received a statement from Bank of America. It states they are pleased to resolve the Halls' concerns and wish them continued happiness and success as homeowners.

The Halls will say it should've never happened, but the community support warmed their hearts. Someone even sent them $10 after seeing the original story on CBS4. The Halls have taken that money and paid it forward to someone else in need.

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