99 Homes

Oct 4, 2018 | Foreclosure, Got Debt?

A week or so back, I was at a conference table with another lawyer and a client. The subject was, of course, debt and a pending foreclosure. I’d known the attorney for some time, always thought of him as a sort of analytic, ‘just the facts, ma’am’ kind of guy.

So, he shocked me when he, emotionally, started talking about the movie 99 Homes, several years old now, but … well, here’s what I wrote about it after it came out:

99 Homes is a kick in the stomach. It’s visceral, it’s brutal.

It begins with a court hearing in Orlando, Florida. A twenty second hearing during which a character, alone before a judge in a chaotic courtroom is told his paperwork is not in order and even if it was it’s too late and he will be evicted by the bank in the morning. Quick, devastatingly direct.

The subsequent eviction scene was tense and just heart-ripping. It was hard to watch.

Something really hit me in the brief moments before the sheriffs come –  it’s a quick, easy to overlook shot, though that it’s repeated later in the movie, a few times actually, albeit in different forms.

This is it: the homeowner’s sitting at a kitchen table buried in paperwork. He’s frantically burrowing through it while calling attorneys on his cell phone. It’s crystal clear he’s ignored dozens – at least – notices from the bank, court, and the sheriff’s office.

Later, as the movie takes some dark turns and heads toward the ’99’ homes of the title, it’s obvious that most of the people Michael Shannon (great in this, as in almost everything else) is evicting have done exactly the same thing – they’ve ignored notices, even ones stuck on their front doors by day-glo red tape.

It’s a theme I’ve explored more than a few times and really thought I had a handle on. But seeing it … was hard. There’s a natural reaction to wanting bad news to go away without having to do anything. There’s the depression that hits, the ‘nah, this isn’t really happening’ denial … well, really most of the steps normally associated with the grieving process.

Except here, as so vividly shown in the film, there is no acceptance, just sheriffs and a bank rep at the door to wrest the home away.

I’m still a little rocked by this but I’m pretty sure the next time someone hesitates before hiring me I’ll just tell them to watch 99 Homes and get back to me.

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I’ll talk to anyone who is currently behind on their mortgage, thinks they may not be able to afford their mortgage in the coming months, or is already in foreclosure. The earlier we talk, the more options you have.

… Sarah Poriss.

Sarah Poriss, Attorney at Law, LLC is the largest woman-owned foreclosure defense law firm in Connecticut, providing homeowners with quality legal counsel in foreclosure mediation and foreclosure defense.

Working at Consumer Law Group in Rocky Hill, Connecticut for four years, Sarah specialized in representing consumers facing financial crises like debt collection harassment and identity theft. Upon opening her own office, she expanded her focus to defending consumers sued by credit card companies and representing homeowners in foreclosure.

Sarah has elevated her practice by exclusively representing clients with money issues. She played a crucial role in drafting foreclosure mediation rules as a member of Connecticut’s Bench-Bar Foreclosure Committee for seven years.

Additionally, she contributed to the Bench-Bar Small Claims Committee to enhance clarity in small claims proceedings and ensure debt collectors provide substantial evidence to win cases.

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