LIBERTY, Mo. -- Families across the metro are going from homeowner to homeless. It's a harsh reality that came knocking on the door of a Liberty family in surprising fashion.
Yard work is a chore around most homes, but the Walters welcome the signs of fall and the work that comes with it. To them, it means they're still homeowners.
"Legally I think that it's our house but I can't get anything in writing," Lori Walters said.
For months, Wells Fargo has been sending the Walters letters about a loan modification. So, It took them by surprise when a couple knocked at their door with shocking news.
"He was like we just bought your house and I think at that point my knees gave a little," Lori said.
"I was like wait a minute do you have something wrong here? This is our house," Jeff Walters said.
Unemployed and trying to start his own business, Jeff panicked.
"It blew me away. All I could really think about was my wife and kids who I'm supposed to be providing for," Jeff said.
The couple couldn't get answers on their own, or with the help of an attorney so they called for action.
Looking at their paperwork, it's easy to understand the confusion.
October 27th, Wells Fargo wrote a letter asking for more paperwork by the next day. The problem is, the Walters say that letter came in an envelope postmarked on the due date, October 28th.
That's also the date the home sold at foreclosure.
"There definitely should be some safety catches in there to make sure that something is not being mishandled by the mortgage company. It's not your credit -- it's your home.
Wells Fargo said it, "...regrets the unfortunate situation the Walters family encountered in October. A miscommunication between our loan servicing team and the foreclosure attorney led to the unintentional sale of their home at auction."
The foreclosure's been reversed. As Call for Action has shown in its stories
like the one where a metro woman may have saved her home by spending just $3, one mis-step on your part or the lenders could put your home on the courthouse steps.
Wells Fargo says foreclosures and modifications work simultaneously.
You need to keep good records to protect yourself if a mistake is made especially in Missouri where foreclosures typically don't go through the courts. It's much easier for homeowners to be in the dark.
This family is still awaiting final word on their modification but now they're out attorney fees. "As we were still reviewing the Walters’ loan for a modification, we immediately rescinded the sale once we became aware of the situation. We believe those efforts have been successful, and are in the process of proposing a modification to them," Wells Fargo said in a statement.