1/30/2010
Deficiency Judgment: Do You Have A Deed of Trust or a Mortgage?
There are two kinds of foreclosures: Deed of Trust Foreclosure or a Judicial Foreclosure if you signed a Mortgage and not a Deed of Trust.
If you have a loan where you signed a Deed of Trust, and your home is forclosed on, there are three results: a) You may try to buy it back at the foreclosure sale, b) someone else will buy it at the foreclosure sale or c) no one buys it and ownership reverts to the bank, who then has to market the property. In this case there are usually no residual effects for the past-owner. This is a non-judicial foreclosure, and is called a trustee sale.
However, a Judicial Foreclosure is a foreclosure done through the courts for a Mortgage, and normally it allows for a "deficiency judgment" if there is a difference in what the bank gets for the property and what the owner owes on the mortgage. As shown below, the homeowner who loses a house to foreclosure in a Judicial Foreclosure could be responsible for large sums of money for a long period of time.
Certain states, such as California and Virginia, are Deed of Trust states and the trustee sells the property at foreclosure. Other states, such as New York and South Carolina are Mortgage states and have judicial foreclosures. Here is a chart at Realty Trac so you can see what different states do. Many states have foreclosed property auctions or sales conducted by a Sheriff; however, this is not necessarily related to whether there will or will not be a deficiency judgment. Each state is different, so be sure to get information from your own state.
Either kind of foreclosure is painful for the owner; however, many senior citizens and the very elderly who can no longer make mortgage payments since their savings have been lost in the recent financial debacle may be able to save their homes from foreclosure by finding out if they qualify for a Reverse Mortgage. Thousands of older homeowners have been able to put themselves back on sound financial bearings with a Reverse Mortgage.
Gloria
Lenders Pursue Mortgage Payoffs Long After Homeowners Default
January 28th, 2010 at 08:01
When John King stopped making payments on his home in Coral Gables, Florida, two years ago, he assumed the foreclosure ended his mortgage contract, he said. Last month, a Miami-Dade County court gave collectors permission to pursue him for $44,000 stemming from the default.
King is among a rising number of borrowers who are learning that they can be on the hook for years after losing their homes. Amid a crisis that stripped $6.4 trillion, or 28 percent, from the value of U.S. residential real estate since the 2006 peak, lenders are exercising their rights to pursue unpaid mortgage balances.
To get their money, they can seize wages, tap bank accounts and put liens on other assets held by debtors.
“The big dogs get a bailout, and the little man gets no mercy,” said King, 39, referring to the U.S. government’s rescue of banks and other financial institutions.
While there are no statistics on the number of deficiency judgments approved by courts, the Federal Deposit Insurance Corp. tracks the amount banks collect after defaulted loans were written off. These mortgage recoveries rose 48 percent to a record $1.01 billion in the first nine months of last year compared with the year-earlier period, according to the Washington-based regulator. Recoveries on defaulted home-equity loans almost doubled to $392 million, the FDIC data shows.
The figures don’t include money retrieved by trusts overseeing mortgage-backed securities, such as the one that holds the loan on King’s former home, or efforts by distressed- asset funds and companies that buy bad loans to profit from collection rights. Judgments such as the one levied against King usually tack on court fees, fines and interest.
‘Next Big Crisis’
Deficiency judgments were rare in the 15 years since the last real estate slump, said Ben Hillard, a former investment banker who now is a real estate and corporate attorney at Hillard & Rogers in Largo, Florida.
“The banks have been too underwater with foreclosures to spend much time on deficiency judgments, but that’s beginning to change,” Hillard said in an interview. “This is going to be the next big crisis.”
Almost 4.5 percent of mortgaged U.S. homes were in foreclosure during the third quarter, the highest rate in the 37 years of tracking the data, the Mortgage Bankers Association said Nov. 19. A record one in every 10 mortgages was at least one payment overdue in the same period, the Washington-based trade group reported.
The Obama administration is seeking to modify as many as 4 million loans by 2012 to prevent foreclosures through the Home Affordable Modification Program, which cuts monthly payments to about a third of borrowers’ income. By the end of December, the program was responsible for more than 850,000 modifications, the Treasury Department said in a Jan. 15 report.
20-Year Window
The federal government spent $230 billion in the year ended in September (2009) to support homeowners, according to the Congressional Budget Office in Washington. Those efforts didn’t help people who had already walked away from their houses.
In states such as Florida, courts give mortgage holders as long as five years to seek a deficiency judgment and, if granted, up to 20 years to collect. Usually, they have the option of renewing the judgment if it’s not paid off within 20 years.
About a third of U.S. states, including California and Arizona, prohibit collection efforts on primary residences after foreclosure. In some cases, homeowners waive that protection if they refinance. Most states allow collection on unpaid home equity loans.
Depression-Era Protections
The laws in states that protect some borrowers stem from the Great Depression in the 1930s, when a lack of bidders at foreclosure auctions caused deficiencies that, with added fees and interest, sometimes were bigger than the original loan amount, according to a 1934 Virginia Law Review article by Sol Phillips Perlman. Today, many courts measure the shortfall using a property’s market value at the time of foreclosure rather than auction results.
The likeliest candidates for deficiency judgments are so- called rational defaults, said Larry Tolchinsky, a real estate attorney in Hallandale Beach, Florida. In those cases, people who are current on their mortgages decide to walk away from a property because its value has sunk so far below their loan balance they have no hope of recouping the loss.
About 21 percent of American homeowners owe more on their mortgages than their properties are worth, according to Zillow.com, a Seattle-based real estate data firm.
“Walking away from a property comes with a cost, especially for people who otherwise have good credit,” Tolchinsky said in an interview. “The bank is going to pull your credit report, and if you’re current on your other bills they are going to come after you and potentially ruin you.”
Fine Print
It’s not just foreclosures that can trigger debt collections. Short sales also may lead to deficiency judgments years after former homeowners have moved on, according to Hillard, the attorney in Largo. In a short sale, lenders agree to let borrowers sell a home for less than the mortgage balance.
“Banks are being very careful to preserve their rights, either outright in the short sale agreement or by using vague language that leaves that door open,” Hillard said. About 90 percent of people who do a short sale think they are “off the hook.”
That was the case when two of his clients, Brigitte and John Howard, sold their home in New Port Richey, Florida, almost two years ago without using a lawyer to check the bank’s short- sale agreement.
$20,000 Shock
“We got a call out of the blue saying we owed $20,000,” said Brigitte Howard, 45. “It was a shock. There was no mention in the short-sale contract that the bank might come after us for the difference.”
The money King owes to the Soundview Home Loan asset-backed security that holds the mortgage on his former Coral Gables condominium consists of $38,000 for unpaid principal and almost $6,000 in legal fees and interest accrued prior to the ruling. According to the judgment, the security can charge 8 percent interest until he pays off the debt.
King, who said his default was caused by a reduction in his income, now rents near Fort Lauderdale, Florida, where he teaches ballroom dancing.
“I thought the foreclosure was the worst of a bad situation, but it’s not,” said King. “The people who got sucked into the real estate bubble are still paying for it, even after they’ve taken our homes.”
-------------------------------------------------------------
*The above story is from: Reverse Mortgage News
Reverse Resource.com is a blog about reverse mortgages, law, insurance and real estate. Information, news, articles and resources are hand-picked from thousands of sources for the site. Please contact us with any questions or comments.
If you have a loan where you signed a Deed of Trust, and your home is forclosed on, there are three results: a) You may try to buy it back at the foreclosure sale, b) someone else will buy it at the foreclosure sale or c) no one buys it and ownership reverts to the bank, who then has to market the property. In this case there are usually no residual effects for the past-owner. This is a non-judicial foreclosure, and is called a trustee sale.
However, a Judicial Foreclosure is a foreclosure done through the courts for a Mortgage, and normally it allows for a "deficiency judgment" if there is a difference in what the bank gets for the property and what the owner owes on the mortgage. As shown below, the homeowner who loses a house to foreclosure in a Judicial Foreclosure could be responsible for large sums of money for a long period of time.
Certain states, such as California and Virginia, are Deed of Trust states and the trustee sells the property at foreclosure. Other states, such as New York and South Carolina are Mortgage states and have judicial foreclosures. Here is a chart at Realty Trac so you can see what different states do. Many states have foreclosed property auctions or sales conducted by a Sheriff; however, this is not necessarily related to whether there will or will not be a deficiency judgment. Each state is different, so be sure to get information from your own state.
Either kind of foreclosure is painful for the owner; however, many senior citizens and the very elderly who can no longer make mortgage payments since their savings have been lost in the recent financial debacle may be able to save their homes from foreclosure by finding out if they qualify for a Reverse Mortgage. Thousands of older homeowners have been able to put themselves back on sound financial bearings with a Reverse Mortgage.
Gloria
Lenders Pursue Mortgage Payoffs Long After Homeowners Default
January 28th, 2010 at 08:01
When John King stopped making payments on his home in Coral Gables, Florida, two years ago, he assumed the foreclosure ended his mortgage contract, he said. Last month, a Miami-Dade County court gave collectors permission to pursue him for $44,000 stemming from the default.
King is among a rising number of borrowers who are learning that they can be on the hook for years after losing their homes. Amid a crisis that stripped $6.4 trillion, or 28 percent, from the value of U.S. residential real estate since the 2006 peak, lenders are exercising their rights to pursue unpaid mortgage balances.
To get their money, they can seize wages, tap bank accounts and put liens on other assets held by debtors.
“The big dogs get a bailout, and the little man gets no mercy,” said King, 39, referring to the U.S. government’s rescue of banks and other financial institutions.
While there are no statistics on the number of deficiency judgments approved by courts, the Federal Deposit Insurance Corp. tracks the amount banks collect after defaulted loans were written off. These mortgage recoveries rose 48 percent to a record $1.01 billion in the first nine months of last year compared with the year-earlier period, according to the Washington-based regulator. Recoveries on defaulted home-equity loans almost doubled to $392 million, the FDIC data shows.
The figures don’t include money retrieved by trusts overseeing mortgage-backed securities, such as the one that holds the loan on King’s former home, or efforts by distressed- asset funds and companies that buy bad loans to profit from collection rights. Judgments such as the one levied against King usually tack on court fees, fines and interest.
‘Next Big Crisis’
Deficiency judgments were rare in the 15 years since the last real estate slump, said Ben Hillard, a former investment banker who now is a real estate and corporate attorney at Hillard & Rogers in Largo, Florida.
“The banks have been too underwater with foreclosures to spend much time on deficiency judgments, but that’s beginning to change,” Hillard said in an interview. “This is going to be the next big crisis.”
Almost 4.5 percent of mortgaged U.S. homes were in foreclosure during the third quarter, the highest rate in the 37 years of tracking the data, the Mortgage Bankers Association said Nov. 19. A record one in every 10 mortgages was at least one payment overdue in the same period, the Washington-based trade group reported.
The Obama administration is seeking to modify as many as 4 million loans by 2012 to prevent foreclosures through the Home Affordable Modification Program, which cuts monthly payments to about a third of borrowers’ income. By the end of December, the program was responsible for more than 850,000 modifications, the Treasury Department said in a Jan. 15 report.
20-Year Window
The federal government spent $230 billion in the year ended in September (2009) to support homeowners, according to the Congressional Budget Office in Washington. Those efforts didn’t help people who had already walked away from their houses.
In states such as Florida, courts give mortgage holders as long as five years to seek a deficiency judgment and, if granted, up to 20 years to collect. Usually, they have the option of renewing the judgment if it’s not paid off within 20 years.
About a third of U.S. states, including California and Arizona, prohibit collection efforts on primary residences after foreclosure. In some cases, homeowners waive that protection if they refinance. Most states allow collection on unpaid home equity loans.
Depression-Era Protections
The laws in states that protect some borrowers stem from the Great Depression in the 1930s, when a lack of bidders at foreclosure auctions caused deficiencies that, with added fees and interest, sometimes were bigger than the original loan amount, according to a 1934 Virginia Law Review article by Sol Phillips Perlman. Today, many courts measure the shortfall using a property’s market value at the time of foreclosure rather than auction results.
The likeliest candidates for deficiency judgments are so- called rational defaults, said Larry Tolchinsky, a real estate attorney in Hallandale Beach, Florida. In those cases, people who are current on their mortgages decide to walk away from a property because its value has sunk so far below their loan balance they have no hope of recouping the loss.
About 21 percent of American homeowners owe more on their mortgages than their properties are worth, according to Zillow.com, a Seattle-based real estate data firm.
“Walking away from a property comes with a cost, especially for people who otherwise have good credit,” Tolchinsky said in an interview. “The bank is going to pull your credit report, and if you’re current on your other bills they are going to come after you and potentially ruin you.”
Fine Print
It’s not just foreclosures that can trigger debt collections. Short sales also may lead to deficiency judgments years after former homeowners have moved on, according to Hillard, the attorney in Largo. In a short sale, lenders agree to let borrowers sell a home for less than the mortgage balance.
“Banks are being very careful to preserve their rights, either outright in the short sale agreement or by using vague language that leaves that door open,” Hillard said. About 90 percent of people who do a short sale think they are “off the hook.”
That was the case when two of his clients, Brigitte and John Howard, sold their home in New Port Richey, Florida, almost two years ago without using a lawyer to check the bank’s short- sale agreement.
$20,000 Shock
“We got a call out of the blue saying we owed $20,000,” said Brigitte Howard, 45. “It was a shock. There was no mention in the short-sale contract that the bank might come after us for the difference.”
The money King owes to the Soundview Home Loan asset-backed security that holds the mortgage on his former Coral Gables condominium consists of $38,000 for unpaid principal and almost $6,000 in legal fees and interest accrued prior to the ruling. According to the judgment, the security can charge 8 percent interest until he pays off the debt.
King, who said his default was caused by a reduction in his income, now rents near Fort Lauderdale, Florida, where he teaches ballroom dancing.
“I thought the foreclosure was the worst of a bad situation, but it’s not,” said King. “The people who got sucked into the real estate bubble are still paying for it, even after they’ve taken our homes.”
-------------------------------------------------------------
*The above story is from: Reverse Mortgage News
Reverse Resource.com is a blog about reverse mortgages, law, insurance and real estate. Information, news, articles and resources are hand-picked from thousands of sources for the site. Please contact us with any questions or comments.
1/20/2010
CLUTTER, CLUTTER AND MORE CLUTTER
My mother had a huge house; she was a school-teacher; she didn't believe in throwing anything away; she lived in her house for over 45 years; when she passed on I was the sibling that cleaned up the place and organized what was worthwhile - with essential part-time help of a number of hired people and two ladies who ran an "estate sale" company. It took a year and a half.
I had heard a story about two elderly brothers living together in an apartment in New York City, and how one of them perished when an avalanche of trash, newspapers, magazines and detritus fell on him. It seemed a rarity to me (except for my mother, of course). But, nowdays I hear more and more about the "stuff" and "clutter" people are amassing. There's even a TV show called "Clean House"* on cable TV.
And, while this blog is about reverse mortgages and other financially related items of interest for Senior Citizens, I thought this article from the "The New Old Age Blog", a column carried by the N.Y. Times would be interest to them and their relatives. It seems to come under the heading of caring for your elderly and can be quite serious.
Gloria
January 20, 2010,
When It Isn’t Just Clutter Anymore
By PAULA SPAN
She was a retired college professor, living alone in a New York apartment that had become unmanageable. When she called Bergfeld’s Estate Clearance Service for help, Kristin Bergfeld had trouble entering the apartment; the professor had to move objects out of the way simply to open her front door.
Inside, Ms. Bergfeld found a familiar scene: a person overwhelmed by her possessions, many of them unused or useless. “You know those big plaid plastic bags people use for laundry?” she recalled. “About 100 of those, filled with teaching materials from the last 10 years. Clothing items she’d bought from catalogs, 10 of each in different colors with the price tags still on them.
Lots and lots of bottles for recycling — maybe 30 large trash bags — that never made it out.”
The stuff was stacked three feet deep. In the bedroom, it reached the ceiling. The professor could no longer use her bed; she slept in a cleared space on her kitchen floor. “It’s a heart-breaker every time I see it,” Ms. Bergfeld said. “This is an intelligent, engaging person who was hugely embarrassed and ashamed.”
Hoarding — a compulsive need to acquire and inability to discard items of no apparent value, to the point where one’s ability to function becomes impaired — is a disorder that begins early in life, researchers are learning. But the symptoms appear to increase with each decade of age and so, of course, does the sheer amount of stuff amassed.
What do elders hoard? Junk mail. Plastic containers. “Newspapers are very common,” said Julie Wetherell, a psychiatry professor at the University of California, San Diego, who has written about the phenomenon. “Plastic bags from the grocery store. Some people hoard food. Or animals — the people with a hundred cats. If something is on sale at the dollar store, instead of buying three or four boxes, hoarders buy 40.”
Suggest that you clear away the clutter, as adult children often do, and a hoarder will come up with a litany of reasons to refuse: He is going to get around to reading those papers one day. The mess doesn’t bother him, so why should it bother you? It’s his home, so back off. “Hoarders are very resistant to an offer to help,” Dr. Wetherell said. “And very resentful if you try to do anything behind their backs.”
Besides, a one-time cleanup operation is only a temporary fix for this syndrome. “It’s a chronic condition,” said Catherine Ayers, Dr. Wetherell’s co-author and colleague at the university. “If you clean out the home, the person will reclutter it within six months.”
A parent’s inability to part with a collection of plastic bags or a three-year pile of catalogs, though sometimes exasperating, may not pose a serious problem. But taken to extremes, clutter can cause fires, draw rodents and roaches, and increase the risk of falling as elderly people navigate around piles of debris. “It’s a continuum,” Dr. Eric Lenze, a Washington University geriatric psychiatrist, said of hoarding. “If it’s unsafe — a fire hazard or a sanitation hazard — then it’s clearly crossed the line.”
The professor’s pattern was not uncommon; therapists who work with such patients tell about whole sections of residences becoming unusable as they silt over with stuff, leading to poor nutrition when people can no longer prepare meals or poor hygiene when they can no longer bathe. But it is such a hidden problem, invisible outside the home, that only family members may see it.
Though it strikes me as an odd form of entertainment, executives at the cable channel A&E have found the subject compelling enough to produce a show called “Hoarders” in which people struggle to gain control over their lives. I can see the potential drama, though: without help, hoarders can face social isolation, eviction, even lawsuits or action by adult protective service agencies if they’re found to be endangering their own well-being.
So it would be nice to report that there is a simple, reliable, widely available treatment. Not yet, sadly. Researchers are still unraveling this conundrum, uncertain how to classify the disorder. Though often associated with obsessive-compulsive disorder — and the Obsessive Compulsive Foundation Web site has useful information on hoarding — it appears to be a separate syndrome.
“It’s a problem we don’t have a name for or much understanding of,” Dr. Wetherell said. “And yet we all see it.” But a variant of cognitive behavioral therapy, in combination with the drugs called serotonin reuptake inhibitors, shows promise in helping people begin the painful process of discarding.
It has taken Ms. Bergfeld’s crew eight full days over several months to liberate the professor, who is also seeing a counselor and will need follow-up sessions with a professional organizer. But the encroaching rubbish is much reduced; the professor can sleep in her bedroom now.
“Once she could let somebody in and say, ‘I have a problem, can you help?,’ there was huge relief,” Ms. Bergfeld said. “I told her, ‘You’ve done the most important thing.’”
Paula Span is the author of “When the Time Comes: Families With Aging Parents Share Their Struggles and Solutions.”
Another helpful site is: Compulsive Hoarding Website
*Clean House Each week, one cluttered clan puts itself at the mercy of host Niecy Nash (Reno 911!) and her crew of interior designers and organizers. They decide what stays and, more importantly, what goes--by way of a giant yard sale. Then they turn around and pour the proceeds into a much-needed home makeover.
My mother had a huge house; she was a school-teacher; she didn't believe in throwing anything away; she lived in her house for over 45 years; when she passed on I was the sibling that cleaned up the place and organized what was worthwhile - with essential part-time help of a number of hired people and two ladies who ran an "estate sale" company. It took a year and a half.
I had heard a story about two elderly brothers living together in an apartment in New York City, and how one of them perished when an avalanche of trash, newspapers, magazines and detritus fell on him. It seemed a rarity to me (except for my mother, of course). But, nowdays I hear more and more about the "stuff" and "clutter" people are amassing. There's even a TV show called "Clean House"* on cable TV.
And, while this blog is about reverse mortgages and other financially related items of interest for Senior Citizens, I thought this article from the "The New Old Age Blog", a column carried by the N.Y. Times would be interest to them and their relatives. It seems to come under the heading of caring for your elderly and can be quite serious.
Gloria
January 20, 2010,
When It Isn’t Just Clutter Anymore
By PAULA SPAN
She was a retired college professor, living alone in a New York apartment that had become unmanageable. When she called Bergfeld’s Estate Clearance Service for help, Kristin Bergfeld had trouble entering the apartment; the professor had to move objects out of the way simply to open her front door.
Inside, Ms. Bergfeld found a familiar scene: a person overwhelmed by her possessions, many of them unused or useless. “You know those big plaid plastic bags people use for laundry?” she recalled. “About 100 of those, filled with teaching materials from the last 10 years. Clothing items she’d bought from catalogs, 10 of each in different colors with the price tags still on them.
Lots and lots of bottles for recycling — maybe 30 large trash bags — that never made it out.”
The stuff was stacked three feet deep. In the bedroom, it reached the ceiling. The professor could no longer use her bed; she slept in a cleared space on her kitchen floor. “It’s a heart-breaker every time I see it,” Ms. Bergfeld said. “This is an intelligent, engaging person who was hugely embarrassed and ashamed.”
Hoarding — a compulsive need to acquire and inability to discard items of no apparent value, to the point where one’s ability to function becomes impaired — is a disorder that begins early in life, researchers are learning. But the symptoms appear to increase with each decade of age and so, of course, does the sheer amount of stuff amassed.
What do elders hoard? Junk mail. Plastic containers. “Newspapers are very common,” said Julie Wetherell, a psychiatry professor at the University of California, San Diego, who has written about the phenomenon. “Plastic bags from the grocery store. Some people hoard food. Or animals — the people with a hundred cats. If something is on sale at the dollar store, instead of buying three or four boxes, hoarders buy 40.”
Suggest that you clear away the clutter, as adult children often do, and a hoarder will come up with a litany of reasons to refuse: He is going to get around to reading those papers one day. The mess doesn’t bother him, so why should it bother you? It’s his home, so back off. “Hoarders are very resistant to an offer to help,” Dr. Wetherell said. “And very resentful if you try to do anything behind their backs.”
Besides, a one-time cleanup operation is only a temporary fix for this syndrome. “It’s a chronic condition,” said Catherine Ayers, Dr. Wetherell’s co-author and colleague at the university. “If you clean out the home, the person will reclutter it within six months.”
A parent’s inability to part with a collection of plastic bags or a three-year pile of catalogs, though sometimes exasperating, may not pose a serious problem. But taken to extremes, clutter can cause fires, draw rodents and roaches, and increase the risk of falling as elderly people navigate around piles of debris. “It’s a continuum,” Dr. Eric Lenze, a Washington University geriatric psychiatrist, said of hoarding. “If it’s unsafe — a fire hazard or a sanitation hazard — then it’s clearly crossed the line.”
The professor’s pattern was not uncommon; therapists who work with such patients tell about whole sections of residences becoming unusable as they silt over with stuff, leading to poor nutrition when people can no longer prepare meals or poor hygiene when they can no longer bathe. But it is such a hidden problem, invisible outside the home, that only family members may see it.
Though it strikes me as an odd form of entertainment, executives at the cable channel A&E have found the subject compelling enough to produce a show called “Hoarders” in which people struggle to gain control over their lives. I can see the potential drama, though: without help, hoarders can face social isolation, eviction, even lawsuits or action by adult protective service agencies if they’re found to be endangering their own well-being.
So it would be nice to report that there is a simple, reliable, widely available treatment. Not yet, sadly. Researchers are still unraveling this conundrum, uncertain how to classify the disorder. Though often associated with obsessive-compulsive disorder — and the Obsessive Compulsive Foundation Web site has useful information on hoarding — it appears to be a separate syndrome.
“It’s a problem we don’t have a name for or much understanding of,” Dr. Wetherell said. “And yet we all see it.” But a variant of cognitive behavioral therapy, in combination with the drugs called serotonin reuptake inhibitors, shows promise in helping people begin the painful process of discarding.
It has taken Ms. Bergfeld’s crew eight full days over several months to liberate the professor, who is also seeing a counselor and will need follow-up sessions with a professional organizer. But the encroaching rubbish is much reduced; the professor can sleep in her bedroom now.
“Once she could let somebody in and say, ‘I have a problem, can you help?,’ there was huge relief,” Ms. Bergfeld said. “I told her, ‘You’ve done the most important thing.’”
Paula Span is the author of “When the Time Comes: Families With Aging Parents Share Their Struggles and Solutions.”
Another helpful site is: Compulsive Hoarding Website
*Clean House Each week, one cluttered clan puts itself at the mercy of host Niecy Nash (Reno 911!) and her crew of interior designers and organizers. They decide what stays and, more importantly, what goes--by way of a giant yard sale. Then they turn around and pour the proceeds into a much-needed home makeover.
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