About four million letters are going out to homeowners who faced foreclosure in 2009 & 2010. The letters are an attempt to get information about people being treated unfairly by banks.
The federal government ordered the banks to conduct an independent review of foreclosures in the last two years. The idea is to find people who were wronged or financially harmed and pay them back.
Kathy Hanis has a mountain of paperwork. It documents her long fight with Bank of America to save her home.
"It's taken me three years of letters and correspondence to finally get my first meeting," Hanis said.
She says the downturn in the economy hit her hard. She qualified for a home loan modification, but instead of help she's faced threats of foreclosure because of paperwork problems.
"They couldn't find my phone number," she said. "They didn't know how to reach me. They never received my information and to me those aren't justifiable."
She understands why the federal government is sending our four million letters asking banks to review foreclosures.
"I'm one of four million going through this process," she said.
Susan Engel says programs like hers at Catholic Charities can help. There's a lot of demand for help.
"Our goal is to keep people in their homes," Engel said. "There's never been a shortage of people in the position of losing their homes."
Government funding for housing counselors was set to expire at the end of 2011. New funding was just approved but it's hard to say when the money will be available. Engel's advice is to act fast.
"We'd love for people to come in and call us for help while we know we have counselors here," Engel said.
Hanis say that kind of support was important to her. It helped make sure she'll spend another Thanksgiving under her own roof.
"I'm thankful for my home," Hanis said.
People who are eligible for this foreclosure review should get a letter by the end of December. If you want to find out more about it and see if you qualify click here.