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Foreclosures continue to rise in US
Foreclosures continue to rise in Florida and other US states hit hard by the real estate crisis.
Several Florida counties are trying to fight back against the problem.
By bringing banks and home owners together to find a way to save troubled mortgages from foreclosure.
Real estate experts say now may be a great time to buy a home in south Florida,
if only because so many cheap foreclosed homes are available.
The flood has created chaos for local judges, who must rule on every foreclosure case.
But another option is to avoid the courtroom and order both the bank and the home owner into a mediation room.
Rod Petrey, head of the Collins Center which organizes out-of-court mediation programs, says that option has been ignored in Florida until now.
One thing we are missing is for the two parties to talk to each other, Petrey said,
When a lender calls a borrower, a lot of the language has been:Pay up,deadbeat.
Is that the best way to have a conversation with the borrower?
Some borrowers also complain that banks or lending firms do not return their calls,
or that it is too hard to get in touch with the right person in charge of their mortgage.

在美国佛罗里达和其他受到房地产危机重创的各州,丧失房屋 赎回权的案件还在继续增加。
佛罗里达的一些县正在采取措施,努力阻止事态的恶化。
他们组织调停、安排银行和房主进行协商,希望找到办法解决有问题的房贷,避免房主丧失住房赎回权。
房地产专家称,现在可能是在佛罗里达南部买房的好时机,
即便是仅凭市场上有大量便宜的止赎屋这一点。
止赎屋的大批出现给当地的法官带来了麻烦,因为他们必须对每一个案件进行判决。
不过,现在可以有另外的选择了,即不用让法庭来裁决而是对银行和房主进行调停,让他们自己协商。
科林斯中心就是这样一个组织庭外调解项目的机构。该中心的负责人罗德.彼德雷称,到目前为止佛罗里达一直没有重视这个办法
他说我们一直没有做到的是让双方互相交流,
银行或是其他借贷机构给贷款者打电话时,通常的说法是‘付钱吧,赖债人’。
我认为这不是与贷款者谈话的最好方式。
一些贷款者抱怨,银行或其他借贷机构都不回复他们的电话,
或是与真正负责他们房贷的人取得联系非常困难。
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