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Wednesday, SEPT. 2, 2015
Program works to avoid home foreclosures
Model citizen
Jude Kaider Hi-Liter
Lakes Region Historical Society President Ainsley Wonderling (second from left) shakes hands with master model builder Jim Kasik as other Society members look on at the Meeting House, Antioch, on Aug 14. Kasik had just presented a model of the original Antioch train station, circa 1886, to the society. Though Kasik never lived in Antioch, his father, James, was raised in the village. The elder Kasik left Illinois but the family, including young Jim, often returned on vacations. The Alexandria, Va., native built the model of the station in about four months though he took breaks during the process for the purposes of conducting research. Kasik returned to Antioch to present the society with another model he built of Antioch’s first school house. Both models are on display at the Meeting House, which also houses the “Ladies Attire of the Civil War – A Nation Mourns” exhibit through Labor Day.
While the consequences of the mortgage crisis and recession still loom large, a new program is providing homeowners in the area the opportunity to work with lenders to save their homes. In 2014, Lake County homeowners were subject to over 2,300 foreclosure filings. Established in December 2013, the Lake County Residential Real Estate Mortgage Foreclosure Mediation Program served 155 homeowners in its first year. The program, administered by Chicago-based Resolution Systems Institute through funding from the Office of the Illinois Attorney General, is based in the Waukegan Alternative Dispute Resolution Center, located at 415 W. Washington Street. It was established to assist homeowners struggling to navigate the court system with a fair and efficient process for resolving foreclosure cases outside of the courtroom. Among other goals, the 19th Judicial Circuit Court of Lake County and RSI sought to formalize interactions between homeowners and lenders to improve the likelihood of homeowners getting accurate information about their options and providing lenders with appropriate documenta-
tion. RSI recently completed an evaluation of the Lake County program, along with the five other programs created under the Attorney General’s funding, and found that the mediation programs were meeting this goal. In Lake County, the home owners work with housing counseling agencies, including Affordable Housing Corporation of Lake County and Consumer Credit Counseling Services of Northern Illinois, to gather and decipher the paperwork required to apply for a modified loan that they can afford. Homeowners work with counselors who help to facilitate the exchange of information between the parties. Once the parties have submitted the paperwork, mediation sessions afford homeowners an opportunity to communicate with their lender and the lender’s lawyer to decide what they will do. In the first year, 39 homeowners were able to keep their homes. An additional seven people worked out agreements to voluntarily relinquish their homes and pursue other options. Homeowners participating
See foreclosures, Page 7
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