Jim Hamilton, a Department of Housing and Urban Development-certified counselor who works for the Berkshire County Regional Housing Authority in Pittsfield, provides free counseling to homeowners facing foreclosure.
EAGLE file photo
A year ago, a wave of foreclosures seemed imminent. People were losing jobs in the Berkshires as the economy turned turtle. One local housing official warned that a foreclosure âtsunamiâ could flatten homeowners on the financial edge.
Remarkably, that didnât happen, mainly because of government-imposed âforbearanceâ orders still in effect. But, those protections do not forgive debt.
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âIt has grown greatly. And itâs more complex.â
â Jim Hamilton, a housing counselor, speaking of his work to help homeowners in financial distress cope with mortgages that have fallen behind