Video & Transcript Research : 'foreclosure surplus'
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MA
Massachusetts 2025-2026 Regular Session
Joint Committee on the Judiciary Jun 21st, 2026 at 01:00 pm
Joint Committee on the Judiciary
Transcript Highlights:
- thought was on my side, allowed the foreclosure under my husband's mortgage.
- On the day of signing the foreclosure, I paid him forty thousand dollars.
- Let's start with foreclosures.
- I have been fighting foreclosure for many years in housing court, and I had two cases.
- I've been in my home over 60 years, and a wrongful foreclosure auction happened.
Summary:
The committee opened with procedural guidance for a very large hearing, explaining testimony limits, written testimony procedures, and rules for maintaining order. Members then heard testimony on a wide range of bills, including proposals to define antisemitism using the IHRA definition, regulate facial recognition technology, restrict weaponized robotics and drone use, expand protections for journalists’ confidential sources, address access to decedents’ email accounts, and create or adjust rules around municipal enforcement and animal cruelty fines. Several sponsors and advocates asked for favorable reports, and committee members asked clarifying questions on implementation, costs, and how the bills would interact with existing law.
On facial recognition, sponsors and advocates described the technology as a threat to privacy, due process, and civil liberties, and urged adoption of the Special Commission’s recommendations, including warrant requirements, notice to defendants, and limits on untargeted surveillance. Support came from legislators, the ACLU, CDT, EFF, and a UMass professor, while committee members asked about current state law and municipal bans. On robotics, Senator Moore and industry witnesses from MassRobotics, Boston Dynamics, and AUVSI supported a bill prohibiting weaponized robots and requiring warrants for certain law enforcement uses, describing it as a public-safety and trust-building measure. On the shield law bill, newspaper publishers, journalists, NEFAC, and the Reporters Committee argued Massachusetts needs statutory protection for confidential sources, citing costly subpoenas and chilling effects on reporting.
The committee also heard testimony on a bill to expand the right of publicity to cover image and voice, with SAG-AFTRA members supporting protections against AI-driven exploitation and some discussion about viral content and consent. Another bill would allow limited access to a decedent’s email accounts, with one witness describing a family’s inability to use a deceased relative’s email to notify friends. The committee then took testimony on psilocybin-related bills: supporters described medical and personal benefits and argued for narrow decriminalization or study, while an opponent warned of public-health risks, impaired driving, and youth exposure; the Massachusetts Psychiatric Society supported limited, safety-based decriminalization. Finally, the committee heard strong support for a “safe reporting” bill for sex workers and trafficking survivors, with advocates saying immunity would encourage victims and witnesses to report crimes without fear of arrest, and members raised questions about how the immunity would work in practice.
AL
Alabama 2026 1st Special Session
Alabama Senate Finance and Taxation Education Committee Mar 18th, 2026
Finance and Taxation Education
Keywords:
land bank, land bank authority, local land bank authority, Alabama Land Bank Authority, tax delinquent property, tax sale, tax lien, redemption period, quiet title, blight remediation, vacant property, foreclosure, ad valorem tax, property tax exemption, intergovernmental agreement, county government, municipal government, redevelopment, brownfields, floodplain management
TX
Transcript Highlights:
- Acquiring vehicles from law enforcement auctions or lienholder foreclosure sales.
Keywords:
transportation, TxDOT, Texas Department of Transportation, road projects, highways, infrastructure, bridge construction, interchanges, corridor improvements, road widening, railroad grade separation, sound barrier, unified transportation program, legislative notice, project prioritization, capital projects, state highway system, Farm-to-Market Roads, San Antonio, Harris County
TX
Transcript Highlights:
- Requiring vehicles from law enforcement auctions or lien holder foreclosure sales.
- process for salvage auto dealers, requiring vehicles from law enforcement auctions or lien holder foreclosure
Keywords:
transportation, TxDOT, Texas Department of Transportation, road projects, highways, infrastructure, bridge construction, interchanges, corridor improvements, road widening, railroad grade separation, sound barrier, unified transportation program, legislative notice, project prioritization, capital projects, state highway system, Farm-to-Market Roads, San Antonio, Harris County
TX
Texas 89th Regular
Water, Agriculture, and Rural Affairs May 19th, 2025
Water, Agriculture and Rural Affairs
Transcript Highlights:
- that Texas has lost significant ginning capacity over the last three years, and we did not have a surplus
- So there has been a lot of foreclosures in cotton.
Keywords:
agriculture, finance, young farmers, financial assistance, pest control, honey production, beekeeping, food safety, local regulation, bovine producers, dairy farms, permits, bovine tuberculosis, public health, wildlife management, disease prevention, alert system, Texas A&M, white-tailed deer, public safety
Summary:
The Senate Committee on Water, Agriculture, and Rural Affairs met with only four members initially present, so quorum was not established until later in the hearing. The committee heard several agriculture-, wildlife-, and food-labeling-related bills, including HB 3479 on expanding the Rio Grande vegetative management program beyond carrizo cane to other noxious vegetation, SB 823 on shrimp origin labeling and restrictions on misrepresenting imported shrimp as Texas or Gulf shrimp, HB 3088 on giving Texas Parks and Wildlife more flexibility to procure resale goods for park gift shops, HB 1275 on permits for non-bovine dairy farms in certain TB-affected areas, HB 519 on honey production and packaging rules, HB 609 on cleaning oyster cages in-bay with bay water only, HB 1592 on a voluntary AgriLife pest and disease alert system, HB 2842 on targeted urban deer depredation permits, and HB 4163 on limiting city requirements that agricultural operators maintain roadside rights-of-way. Testimony generally came from industry groups, agency resource witnesses, and affected producers, with most witnesses supporting the bills and several bills drawing questions about enforcement, labeling responsibility, and the scope of local authority.
The most extensive discussion centered on SB 823, where Vice Chair Hancock and others questioned why wholesalers would be covered if they cannot relabel products. The bill author and restaurant association witness said the measure was intended to improve transparency and allow enforcement against intentional mislabeling, while preserving a good-faith defense and clarifying that the bill does not create a private cause of action. HB 519 also drew supportive testimony from beekeepers and a family farm, who argued that current rules treat honey extraction and bottling too much like food manufacturing and burden small operations. HB 609 was presented as a way to save time and resources for cultivated oyster mariculture by allowing cage cleaning in the bay without soaps or chemicals, and HB 1592 was described as a voluntary opt-in alert system for pests and diseases coordinated through AgriLife and other state agencies.
HB 43 generated the most detailed policy debate. The bill would restructure and expand the Texas Agricultural Finance Authority, update grant and loan programs, and create a pest and disease control depredation program. The committee substitute reduced some funding caps, changed references from predators to depredating animals, and made the financial provisions contingent on appropriations. Supporters from Texas Farm Bureau, cotton growers, grain and feed interests, and young farmers described severe drought, inflation, land loss, rising input costs, and shrinking infrastructure as major threats to agriculture, while one witness urged preserving priority for young farmers. After testimony, the committee adopted the committee substitute and reported HB 43 favorably. The committee also voted HB 519, HB 609, HB 1275, HB 1592, HB 3088, HB 3479, HB 2842, and HB 4163 favorably, with several recommended for the local and uncontested calendar. SB 823 was reported from committee on a 6-2 vote after adoption of the committee substitute. The meeting ended with notice that the committee would tentatively reconvene Friday morning and then recessed subject to the chair's call.
HI
Transcript Highlights:
- Last item on the agenda: HB 467, relating to foreclosures.
- <02:10:46.440>
moratorium Fallout from the Foreclosure moratorium Fallout from the Foreclosure - <02:10:51.280>
Ure are really bracing for foreclosure Ure are really bracing for foreclosure - , but non-judicial foreclosures are actually really difficult to keep an eye on.
- The next item is HB 467, relating to foreclosures.
Summary:
The Committee on Housing held a public hearing on January 31 and heard testimony on a series of housing and building-code bills. The first major item, HB 1 relating to building codes, drew sharply divided testimony. Supporters, including BIA Hawaii, Grassroot Institute, Dr. Horton, and several builders and trade groups, argued the current code-adoption process is slow, fragmented, and costly, and that reform would help housing production. Opponents, including Sierra Club Hawaii, AIA Hawaii, ICC, and labor representative Kiko Bosi, said the bill would weaken public safety, reduce statewide consistency, and could leave tenants and first responders at greater risk. No vote was taken during the hearing, and members asked questions about the effect of a governor’s emergency proclamation suspending the Building Code Council and about county authority over code amendments.
The committee then heard HB 745 and HB 1321, both also relating to building codes. Grassroot Institute supported both measures, saying the system is broken and needs streamlining, while BIA Hawaii and others emphasized the cost burden of repeated code updates. Opponents, especially Bosi and ICC, argued that the bills would undermine the State Building Code Council’s role, create confusion, and prioritize cost over safety; Bosi also said labor should be included in any code discussions. Members questioned whether counties can remove state code provisions and whether the state code already supersedes county codes, and one member noted the need for clarity and consistent enforcement rather than a wholesale overhaul.
Later, the committee heard HB 284 on housing, HB 761 on county permitting and inspection, and HB 738 on historic preservation. HB 284 drew support from several housing and real estate groups, while DLNR opposed it. On HB 761, HHFDC supported the bill, DLNR warned that the proposed changes could jeopardize Hawaii’s participation in the National Flood Insurance Program, DAGS said it would likely need to duplicate county permitting staff, and the Department of Planning and Permitting opposed it; Grassroot Institute and NAIOP supported it. For HB 738, HHFDC, DLNR, Grassroot Institute, Hawaii YIMBY, NAIOP, and others supported the measure, with Grassroot and NAIOP suggesting clarifications so expedited review would also cover mixed-use projects and better define the scope of work. The transcript does not show any final votes or committee action on these bills during the hearing.
MN
Minnesota 2025-2026 Regular Session
Hied Committee Meeting - 2026-03-26
Higher Education Finance and Policy
Transcript Highlights:
- And like stated before, the idea is that this gives you OHE the ability, if there is a surplus, they
- uh if<00:51:12.600>
there <00:51:12.800>is <00:51:12.920>a <00:51:12.960>surplus - ,<00:51:13.520>
they <00:51:13.680>have <00:51:13.880>the if there is a surplus - , they have the if there is a surplus, they have the ability<00:51:14.360>
to <00:51:14.440>
Keywords:
undocumented, financial aid, state policy, higher education, noncitizen eligibility, state grants, college affordability, Office of Higher Education, Minnesota State Grant, need analysis, expected family contribution, student aid, grant formula, living and miscellaneous expense allowance, dependent student, independent student, parental contribution, student contribution, surplus appropriation, biennium
OK
Oklahoma 2026 Regular Session
Commerce and Economic Development Oversight Feb 26th, 2026 at 10:30 am
Commerce & Economic Development Oversight
Transcript Highlights:
- Members, House Bill 3058 is an omnibus Cleanup bill, um, concerning the section of law regulating surplus
Bills:
HB2445, HB2123, HB3048, HB3176, HB3239, HB3263, HB3794, HB3796, HB4265, HB4266, HB4317, HB4321, HB4322, HB3673
Keywords:
HB2445, Route 66, Oklahoma Route 66 Centennial Forward Commission, centennial, historic highway, preservation, tourism, historical society, scenic byway, National Historic Trail, Route 66 Alliance, Route 66 Association, Oklahoma Historical Society, Oklahoma Department of Transportation, Oklahoma Tourism and Recreation Department, historic preservation, heritage tourism, public-private partnership, sunset extension, commission extension
TX
Transcript Highlights:
- year that called for Texas to consider what several communities nationwide had done to reutilize surplus
- simply direct the Texas Department of Housing and Community Affairs to evaluate the availability of surplus
- This study would give us a better picture of what our surplus property is and the feasibility of repurposing
Bills:
HB158, HB714, HB 1198, HB1630, HB1998, HB3509, HB3788, HB3875, HB3948, HB3977, HB4097, HB4313, HB4314, HB4317, HB158
Keywords:
housing, veterans, surplus government property, affordable housing, funding sources, housing assistance, homeless prevention, landlord incentives, rural housing, domestic violence, community development, tenant readiness, program participants, financial assistance, homelessness, rental support, Texas Tenant Readiness Program, tenant assistance, housing stability, Texas Department of Housing
TX
Bills:
HB158, HB714, HB 1198, HB1630, HB1998, HB3509, HB3788, HB3875, HB3948, HB3977, HB4097, HB4313, HB4314, HB4317, HB158
Keywords:
housing, veterans, surplus government property, affordable housing, funding sources, housing assistance, homeless prevention, landlord incentives, rural housing, domestic violence, community development, tenant readiness, program participants, financial assistance, homelessness, rental support, Texas Tenant Readiness Program, tenant assistance, housing stability, Texas Department of Housing
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Mar 27th, 2025
Business & Commerce
Transcript Highlights:
- They have demonstrated to us that the land they lease is surplus, unproductive land, and the renewables
Bills:
SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706
Keywords:
insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer
TX
Keywords:
hemp, consumable hemp products, hemp-derived cannabinoids, CBD, cannabidiol, CBG, cannabigerol, Texas hemp law, hemp regulation, cannabinoid products, delta-9 THC, intoxicating hemp, hemp gummies, hemp vape, retail registration, product registration, QR code labeling, child-resistant packaging, youth access, minor sales
MN
Minnesota 2025-2026 Regular Session
Committee on Judiciary and Public Safety - 03/02/26
Judiciary and Public Safety
Transcript Highlights:
- crisis, the Minnesota Legislature passed a bill to help homeowners save their homes from foreclosure
- The third is the situation where the homeowner in foreclosure dies before the sale.
- So, the bill before you clarifies that the homeowner has the right to postpone a foreclosure sale if
- The longer statutory redemption period applies in the new foreclosure.
- the foreclosure application. the foreclosure application.
KY
Kentucky 2025 Regular Session
Interim Joint Committee on Judiciary (8-29-25)
Transcript Highlights:
- Well, let's keep in mind, we're not talking about a foreclosure action here.
- they will this affect foreclosure they will this affect foreclosure actions<01:03:10.480>
in< - talking about a foreclosure action here. talking about a foreclosure action here.
- familiar with the foreclosure process. familiar with the foreclosure process.
- >
sales <01:09:45.040>I Generally, in the foreclosure sales I Generally, in the foreclosure
Keywords:
Meeting Start: 00:00:00
Roll Call: 00:00:01
Kentucky’s Justice Reinvestment Initiative – Domestic Violence: 00:02:00
Uniform Partition of Heirs Property Act: 00:46:41, 958, all
Summary:
The Interim Joint Committee on Judiciary approved the minutes from its July 24, 2025 meeting and heard an announcement about a lunch sponsored by the Kentucky State Buildings and Trades Council on forming a blue-collar caucus. The main presentation came from the Council of State Governments’ Justice Center on the Kentucky Justice Reinvestment Initiative’s domestic violence work, which was described as a multi-year effort begun in 2023 to analyze data and interview stakeholders across the state.
Presenters reported that domestic violence is widespread in Kentucky, with about half of adults experiencing some form of violence or stalking in their lifetimes, and that an average of about 22,000 IPV incidents occurred annually from 2018 to 2022. They said domestic violence is a major driver of violent crime, accounting for about 48% of person offenses over a six-year period, and is linked to significant shares of homicides, sex crimes, kidnapping, aggravated assault, and simple assault. They also said reported incidents and arrests have risen in recent years, that protective-order violations and convictions have increased, and that Kentucky ranks near the bottom among surrounding states in the share of victim compensation for domestic-violence-related claims. Law enforcement survey results showed strong adoption of model policies and guidance, but limited use of screening tools for serious injury risk.
The presenters emphasized that domestic violence also places heavy demands on law enforcement, courts, and corrections, citing roughly 30,000 law-enforcement responses in 2022 and noting that more than a third of people entering DOC custody and nearly a third under supervision had DV-related histories. They said a small group of repeat offenders drives ongoing harm and that targeted interventions could reduce recidivism. They highlighted a North Carolina example in which focused intervention reduced IPV-related homicides and calls for service, and they referenced Kentucky’s 2020 assessment recommendations on training, language access, protective-order service, and coordination with victim services and batterer intervention providers. They estimated that a 25% reduction in reported DV incidents could prevent nearly 5,000 victimizations annually and reduce DOC commitments and costs substantially.
Committee members asked about the relationship between civil domestic violence petitions and companion criminal cases, and the presenters said they would check whether the data could answer that question. Members also discussed recent Kentucky legislation, including Senate Bill 319 on crime victims compensation and House Bill 38, which made a third domestic violence offense a Class D felony. Several members thanked the presenters and advocates, and one member raised concerns about service of process and recent violent incidents involving domestic violence-related warrants, prompting discussion of dedicated service units in larger jurisdictions and the resource limits faced by smaller agencies.
MO
Transcript Highlights:
- such sale by or under the jurisdiction of any court or pursuant to judicial judgment or order or foreclosure
- If you didn't know, the state runs a website for online auctions, surplus goods, and merchandise.
- The state runs a website for online auctions of surplus goods and merchandise that the state has that
FL
Florida 2025 Regular Session
April 3, 2025 - 08:00 AM
Transcript Highlights:
- The bill revises the foreclosure procedure, allowing foreclosure of a lien if it remains unpaid and requiring
- foreclosure if the nuisance is not abated after two years.
- The bill revises the foreclosure procedure, allowing foreclosure of a lien if it remains unpaid and requiring
- foreclosure if the nuisance is not abated after two years.
- So I believe it says after 90 days they can begin to start foreclosure on this property.
Summary:
The committee met with a quorum and first postponed CS for HB 781 at the sponsor’s request. It then heard and passed CS for HB 429, which codifies the existing process for terminating or cancelling motor vehicle dealer franchises and requires manufacturers to provide written sales and service performance criteria; the bill was supported by the Florida Automobile Dealers Association and was reported favorably 12-0. The committee next took up HB 983 on homeowners associations, where the sponsor described HOA fraud and abuse concerns and proposed expanding local law enforcement authority to investigate, inspect, and audit HOAs, easing recall procedures, and allowing prevailing-party attorney’s fees in recall disputes. Two amendments were adopted: one removing constitutionality-problematic Kaufman language, and another defining financial statements more comprehensively to improve HOA transparency. The bill drew support from Miami-Dade County and the Miami-Dade Sheriff’s Office and was reported favorably as amended 14-0.
The committee also passed CS for HB 1343 on public nuisance abatement fines, which raises daily fines from $250 to $500, removes the $15,000 cap, adjusts foreclosure timing on unpaid nuisance liens, and allows attorney-fee calculations to include legal assistance time. Members discussed due process and notice concerns, and the sponsor said he would work on clarifying notice for both owners and nuisance-causing parties; the Orange County Sheriff’s Office supported the measure, citing violent crime tied to nuisance properties. CS for HB 643 on residual market insurers was then reported favorably without discussion. CS for HB 1183 on cybersecurity incident liability followed; it would shield government and private entities from liability if they substantially comply with cybersecurity standards, with the sponsor explaining that the bill was revised after a prior veto to define substantial compliance through policy letters, disaster recovery planning, and multi-factor authentication. Despite concerns about the breadth of the liability protection, the committee adopted an amendment and reported the bill favorably 13-1.
PCS for HB 915, addressing advertisements for representation services, was also reported favorably 14-0. The bill targets misleading advertising by nonlawyers and notaries, especially in immigration-related services, requiring clear bilingual disclosures and allowing damages, fees, and injunctive relief for violations; it was supported by faith-based and civil rights groups. CS for HB 585 on former phosphate mining lands was then approved 14-0; the sponsor said it would create a defense to Water Quality Assurance Act strict liability for naturally occurring substances on former phosphate mine sites, require notice recording, radon surveys, and pre-suit radiation testing, and it would not apply retroactively to pending litigation. HB 6503, a claims bill for Mandy Penny Lemon, was also reported favorably 14-0 after brief sponsor remarks describing her severe injuries and homelessness following a 2018 incident.
Finally, the committee considered HB 129 on pesticide-related products liability. A strike-all amendment was adopted that bars failure-to-warn claims for EPA-registered pesticide products when the label is consistent with EPA’s most recent human health risk assessment and carcinogenicity classification, while preserving claims if information was withheld, concealed, misrepresented, or destroyed to obtain or maintain the label. Supporters argued the bill provides certainty and respects EPA’s scientific labeling process; opponents warned it would effectively block access to courts and delay claims until after lengthy EPA investigations. After extensive debate, the committee reported the bill favorably as amended 13-1.
MN
Minnesota 2025 1st Special Session
Rules and Administration - Subcommittee on Ethical Conduct - 04/22/25
Rules and Administration - Subcommittee on Ethical Conduct
Transcript Highlights:
- matter there were four foreclosure matter there were four cases.<00:19:13.039>
And <00:19:13.200 - <00:26:39.440>
issue <00:26:39.760>because real estate foreclosure issue because real - <00:41:39.520>
All <00:41:39.760>five <00:41:40.000>were foreclosure matter. - All five were foreclosure matter.
- them for was a real estate foreclosure them for was a real estate foreclosure action<00:55:20.800
MN
Minnesota 2025 1st Special Session
Press Conference: Outlining the Impact of Eliminating the US Consumer Financial Protection Bureau Feb 21st, 2025
Transcript Highlights:
- The foreclosure crisis was raging.
- It was a mess, but in all of the trouble and all of the three million foreclosures that happened all
- uh the Foreclosure crisis was raging<00:02:43.040>
uh <00:02:43.159>you <00:02:43.280>< - million the trouble and all of the three million the trouble and all of the three million foreclosures
- that happened all over the foreclosures that happened all over the country<00:03:30.799>
and <
KY
Kentucky 2025 Regular Session
Government Contract Review Committee - (3-11-25) - Upon Adjournment
Transcript Highlights:
- Senator Douglas asked how often, as a percentage of the cases handled, the two categories—foreclosures
- The witness said that less than 1% of the Loan Servicing portfolio is referred out for foreclosures.
- The witness added that they also do not have internal expertise in foreclosures, though they do have
- Senator Douglas asked whether the foreclosures and bankruptcies are about 1% of the legal load.
- we do have expertise of foreclosures we do have some<00:09:29.360>
attorneys <00:09:29.680>
Keywords:
This meeting will take place upon adjournment of both chambers today. There is not an exact time, there for the live stream has been created with a place holder time of 4:00 PM est., 958, all
Summary:
Chairman Hart called the meeting to order, confirmed a quorum, welcomed Representative Rachel Roarx, and the committee approved the February 11 minutes. The committee then moved through its agenda of PSC and related contract items, including a motion to consider the reviewed contracts without objection. One Department of Highways item was deferred when the virtual representatives were not yet available.
The committee first took up Kentucky Housing Corporation contracts. Members questioned outside legal services for foreclosures and bankruptcies, why the work was not handled entirely in-house, and how much of the workload and cost it represented. Witnesses said the agency’s need was largely geographic rather than a lack of expertise, that less than 1% of the loan portfolio is referred out for foreclosures, and that many fees are reimbursable through FHA. Both Kentucky Housing Corporation items were approved.
The committee then considered a Department for Community Based Services contract tied to a protest and a temporary renewal with PCG. Witnesses said the contract increase was needed to bridge the gap while the protest and RFP process were unresolved, and that the initial vendor received no funds. The committee approved the item, with Senator Douglas explaining his vote as a preference for straightforward answers.
The committee also heard a Northern Kentucky University contract for a Workday ERP replacement, including implementation consulting and separate license fees. University officials explained the move from SAP to Workday, the complexity of the systems, and the need for a consulting partner; they said the total effort would span 10 years and that the contract was priced below comparable institutions. After extensive questioning about cost, budget, and value, the vote ended 4-4 and the chair noted the contract would move forward through the Finance Committee if no disapproval motion was made. Finally, the Office of Inspector General presented a contract for culture change training in nursing facilities funded by civil monetary penalties; witnesses said the goal was to improve staff satisfaction, communication, and resident outcomes, and that the CMP fund balance was about $38 million. Discussion also covered survey backlogs and CMS restrictions on the funds, with the item still under review as the transcript ended.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, May 19, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- foreclosures occurred. foreclosures occurred.
- <04:51:43.400>
happens, the loan and if a foreclosure happens, the loan and if a foreclosure - In my state of California, over 4,000 borrowers face foreclosure.
- As mortgage rates in the of foreclosure?
- Um it possible uh do face foreclosure.