Help Nickless Family Get Home Back
Now, nearly nine years later, the home has fallen into foreclosure. Arlene Nickless, the widowed mother of three boys, was injured in an auto accident in 2010, and fell behind on the home's payments. She has battled through the courts to keep her home, but her biggest battle was with the bank that bought her loan. According to Arlene, they have been unwilling to work with her on this home, and the loan-once managable at just over $30,000 has ballooned to over $100,000.
Despite the overwhelming task of having to pack up the family's belongings, in preparation for moving out of their dream home, Arlene maintains her faith, and remains hopeful...and thankful. "After Tim died", she said, "I walked out the door of our old home, and I saw what Extreme Makeover did as a blessing, and God's way of telling me, 'It will be alright-I will take care of you'. Right now, I just want to keep my home for my children".
Every dollar raised in this GoFundMe will go directly to Arlene Nickless and her family, so they can either keep their home, or get a new home.
You can watch the Extreme Makeover: Home Edition episode here: https://www.youtube.com/watch?v=ormNvGYx7ug
You can read more about the Nickless Family here: http://www.lansingstatejournal.com/story/news/2017/05/25/bank-forecloses-holts-extreme-makeover-homeowner/331214001/
You can view photos of the building of the Nickless home here: https://www.facebook.com/christine.weavercimala/media_set?set=a.1058817512869.2010396.1298829644&type=3
You can direct any questions directly to J. Ervin Bates in the contact information above.
Thank you for taking time to read this post, and PLEASE feel free to share and donate. God Bless!
Whatever you all are doing, PLEASE keep doing it. From donations to sharing, it ALL counts. :-) And once again, on behalf of Arlene, Aaron, Andrew and Noah, THANK YOU. God Bless....
Your kind donations, prayers, and support are most appreciated. We are now just hoping to raise enough cash to get Arlene and her boys settled into a home as soon as possible. Please continue to share this fund raiser, and again, we thank you all. God Bless.
I'd like to know the bank she was dealing with and how a $30K loan can turn into a $100K one? Something doesn't sound right with the bank. If she owned the home before and ONLY had a $30K loan for the reno- I can see why the bank would pressure to foreclose - because they are getting a huge equity piece of property to sell and make money - they are not interested in helping this woman keep her home. They are looking to make money off her. She needs a lawyer. This sounds fishy to me.
Jim Helton, the mortgage company that acquired the loan a few years ago is Ocwen, which is a company with a terrible record. They have a litany of consumer complaints against them. From the article about the family that I read, it looks like Ocwen is living up to its well-earned horrible reputation with the way is is handling this family's problems. They had some good things go their way a few years ago, but it seems like they have hit a brick wall with Ocwen.
If they haven't foreclosed yet, and if it is her homestead, she may want to consider filing for bankruptcy, at least temporarily. It can often protect the homestead, and if she can't reorganize her finances through the bankruptcy court enough to keep the house, it would give her time to sell it, and likely for a substantial profit, if she only owes $100K on it. I helped a friend with this so that rather than lose their home and all their equity, they were able to make the best out of a bad situation. He started his bankruptcy and that held off the bank from foreclosing, and he got time to sell his house for a $50K profit. After that, he didn't follow through with the bankruptcy since he didn't have much other debt, so it may not have to be a permanent solution but might be a temporary fix. Bottom line, she should have options, but needs to act quickly.
Hi, Jim Helton. I believe the bank name is mentioned in the Lansing State Journal article. I cannot recall off the top of my head. That being said, I have been told this same bank has been successfully sued for some form of bad business practice in another state. And, Donjuan Jones, I know for a fact that Arlene does not fault the show for this situation.....it can all be traced back to her car accident and injury. In truth, what the show did for this Family was incredible. :-)
She asked a judge if there's any way to stop this process and he said "No". A judge isn't the person to ask. She needs a realtor and a real estate lawyer. Unfortunately she packed and left the house - she should have stood her ground and filed an appeal to buy some time. Now that she's out the door they will change the locks and she won't be able to get back in. Everyone is entitled to their day in court. I'm sure she's exhausted and disheartened from all of this, plus being injured a few years ago, plus losing her husband and having to finish raising her boys by herself. Instead of using the GoFundMe money for a new home, she should use it to pay a lawyer to help her keep this one. This is Ocwen's mission statement from their website: "Ocwen Financial Corporation (Ocwen) is one of the leading mortgage servicing companies in America, serving over 1.5 million customers. We provide personalized customer service and home financing options that help our customers save money, build equity, and most importantly, stay in their homes." Yeah, right.
She has already been foreclosed on. I wish she would have really contacted an attorney when the loan was put into foreclosure so she could have kept it. Its sad when people who don't know the system are dealt this blow. There are a lot of things she could have done to save her home and I wish somebody would have helped her and her family. I don't see it has been sold to anybody else yet through the court system. She should fight and fight hard still.
I know all to well of what this family is going through. In 2014 Chase Finance did me and my husband the same way. We got behind 3 months and the fees and attorneys fees started adding up and we couldn't keep up. I fought and fought for my home. And they won in the end. In January my husband past away. We had no insurance and I was left to raise both of my grandchildren. I have had to make me a Go Fund Me account I used to be able to donate and help. If I get any extra money I'll defiantly donate something. Please let this mother know that she is not alone and my prayers is with her. God Bless
I've always thought that when Extreme Makover built a house for a family, it was a paid for gift? I'm so sorry you're going thru this. I pray you raise enuff money so you can stay in your dream home. God bless you and your family.
I have heard of other people as well that did the extreme makeover. They make these homes so extravagant and the people still have to pay taxes on these homes. And if they do not have the money to pay for the homes expenses they end up loosing the home or they are up to there eyebrows in debt that they can't afford to pay.
I always thought that when extreme home makeover built you a house they paid off the mortgage. Why is this poor family losing their home??? And can't Ty do anything about it??
I thought the homes were paid for when extreme makeover remodeled the homes.
This happened to another EMHE family in Illinois...
I'm confused. So when they remodel your home. You pay for it? I thought they helped misfortunate people. Is that why her mortgage went up so much?
You are using the word eviction. Eviction is something an owner does with a tenant. If she OWNED the home, she would be going through a foreclosure. Ocwen can't evict her unless the house was already foreclosed on and they bought it. I am very confused. If she got behind the original bank would have to send her all kinds of documents such as a lis pendens, etc. and foreclosure papers. Then if she couldn't negotiate terms with the original loan person, then she would have the home foreclosed on. But if she has a first mortgage and a second mortgage for the home reno - then the second lienholder can force a foreclosure. But the original bank has to be involved too. If she owned the home clear and only had the reno loan there is no reason why she couldn't refi the house. She really needs a realtor to get involved and maybe the broker's lawyer could handle this. Sounds like Ocwen is overstepping bounds. Of course since I don't know all the details I am guessing at this but still - seems to me there is something more that can be done for her without kicking her out. Realtors can help you if you want to keep your home - they are not only for trying to sell.
Wait, Ocwen is a foreclosure company - not a bank as far as I know. I had worked as a realtor and used to browse the Ocwen website for foreclosures. They are not the actual bank from what I thought unless they bought the loan from the original bank. She needs to get a new lawyer. This sounds so one-sided it's ridiculous. Does she have a realtor? Get a realtor - who specializes in foreclosures - and short sales - they may be able to help more. Geez.