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"These houses were built in 1928. Never been a flood here."

Production Notes

State of Foreclosure Blog

This one’s been tough! Tough to find the right, “typical” people to represent typical problems. Physically tough on some very long shoot days. And certainly, emotionally tough to see terrific people facing financial meltdown.

A couple of months ago, we started kicking around themes for a foreclosure-related special. Since it always so much more powerful to tell a story from the point-of-view of people coping with a problem, we started looking for a family going through foreclosure.

But guess what?

You can’t call up Central Casting and say, “Send over a dozen or so people who are willing to put their most intimate, personal, painful financial problems on TV. Oh! And can they be here by noon?”

That’s where my Secret Weapon, Associate Producer Alexandria Gales comes in. Alexandria is resourceful and relentless. She posted stuff on websites, yacked with financial support groups, nagged realtors, talked to people who knew people who knew other people.

Slowly, we got some names. Sometimes, we’d find the right people at the wrong time. Or the wrong people at the right time. We even found wrong people at the wrong time!

People say I’m very particular. Alexandria certainly said it during this process of trying to find our mythical, typical family.

Finally, we found the right people at the right time - Erin and Joe Balli and their two cute, chatty, outgoing sons - Joey and Matthew. See them take over the shoot:



The Ballis are the kind of folks you like - and feel as though you’ve known forever - right away. They were desperately trying to sell them home as what’s known as a “short sale” which is when you owe the bank more than your property is worth.

In addition to their friendliness and openness, what astonished me about Joe and Erin was that they were still maintaining the home they no longer lived in! They went there on weekends to cut grass, wash windows, pick up trash and clean the pool. All this to try to salvage their credit but also out of a deep sense of pride in a home that meant so much to them.

The clincher in choosing Joe and Erin for our lead story, entitled “Selling Out” was when Joe told me they still had things stored in the garage and would be having a yard sale on one of the weekends when they were taking care of the property. What a meaningful, insightful way to get into their story!

It also didn’t hurt that Joe was a regular “Soundbite Machine” as Alexandria and I called him. He’s thoughtful, sensitive, steady - the kind of guy who easily expresses what he’s feeling. Erin’s the same way. It’s easy to see why they love and cherish their kids and each other.

When I asked them why they’d be willing to share their story, Joe and Erin said the same thing. They just wanted other families in the same boat to know they’re not alone and that there’s no shame in being a victim of this foreclosure mess.

In addition to Alexandria and me, the production team included our terrific correspondent Judy Muller reporting and ace videographer Brett Wood shooting this piece. Alexandria captured a couple of funny, behind-the-scenes moments when Judy bought the best thing at the Ballis’ yard sale. Check it out here:



And I performed one of the many glamorous little jobs that happen on a shoot.



I think these little web-moments are reminders that there’s lightheartedness and humor in even the darkest times. And I think that’s why Joe and Erin Balli are so inspirational and why we admire and respect them so much. They’re not at all negative and morose. They’re not letting This Thing destroy them. And, even though they cry, they still laugh. And, as Joe says at the end of the story, they lost a house, not a home.

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Comments

What an eye-opening program! Thanks to KCET for bringing some awareness of the actual reality of the foreclosure nightmare forward. The stories of loss and destroyed expectations are heart-breaking enough, not to mention the added waste and insult to our infrastructure that the people who "trash-out" these homes are committing! THERE IS NO EXCUSE for filling up our landfills with recyclable, reusable furniture and household goods when there are so many ways to find use for these resources. I just don't buy it that they can't figure out a way to see that all the personal belongings taken out of a foreclosed home get put to good use. This is an added shame that should not be allowed to go on! Another manifestation of a culture so awash in "stuff" that we lose sight of its value to people.

We have been friends with the Balli's for over six years. They are hardworking, honest people and it breaks my heart that the lenders/government can't help the Balli's or people like them. When will the government see that its the homeowners who are hurting and need help, not the lenders who created this mess in the first place? It is the bad underwriting and the lack of due diligence on the lenders part that has created all the forclosures and caused property values to tank.

I am SO frustrated. My lender won't work with me in reducing my first mortage and second mortgage or interest rate. I could go buy the exact same house down the street for less money than what I am currently paying now on my first mortgage. Then walk away from my current home. In fact, the lender even implied this would be the only way for me to reduce my loan. I would be out the home that I have worked so hard for and put some much into, including the inheritance from my grandmother which paid for most of the landscaping and the pool in the back yard. The lender is out the same amount of money either way so why won't they just work with me on my current loan? Who really ends up hurt?

People are buying the less expensive homes and walking away from their current homes. The lenders have been allowing this to happen. They think the government is going to bail them out or they file insurance claims for the losses. The underwriters need to think, Who really buys an investment property in this market or only moves a couple of blocks? Not many people I know!!! The majority of the forclosures are a result of bad lending practices not bad borrowers and as a result, people like the Balli's and ourselves end up having to make sacrifices while the lenders made big profits.

I just visited our home and broke down outside as I had to tear down the Sheriff's Sale notice from my freshly-painted door. I feel raw. Everything is exposed---exposed for neighbors who don't even know us to judge us and decide what kind of people we are. I spent about an hour walking around the house aimlessly, oscillating between crying hysterically and wanting to kick the walls in. It breaks my heart that my children's rooms are now empty. My daughter's choice of lime green and teal blue soon to be erased by someone with more neutral tastes. I could almost hear the sounds of my friends and family seeping through the cracks in the ceiling. Everyone tells me that it is "just a house." It is just a house, but it is the only house we may ever have. It is my house--the house that I painted and groomed for years. It is the house that I am proud of--even as the weeds now grow in the garden. It hasn't changed--but I have. We all have. Once we lived the "American Dream" but now we are unsure of where are future is going. Surely nobody thinks this is a pleasant experience for anyone going through a foreclosure. It is as if someone has kicked me square in the stomach and I can't find my breath. We have tried everything to save our home. My husband and I are hardworking college grads who thought we had provided a stable place for our children to grow. Many bad decisions later, here we are--visiting the empty rooms which now echo for their lack of love. Why can't something be done to help us?

Go to www.Get-modified.com we will help you or your friends get out of foreclosure. We don't charge thousands of dollars like these 3rd party scam companies check us out. Tell your friends about us.

I just want to say to all out there facing mortgage trouble or any kind of financial hardship that my husband and I are in the same situation, but we are not panicking. We have made the decision that we are just going to put ourselves in god's hands unconditionally, knowing that He can work miracles and work his magic so that we can stay in this house or if that doesn't happen and we have to get out, well, guess what' I have the certainty that whatever the outcome it will be the road God wants us to follow and we will do so with our heads held up high. Not even the most beautiful house in this world is worth the amount of stress and dispair that we would be in had we not chosen this path.

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