First In, Last Out
Ward told police that he had once owned the home outright but had borrowed money to add rooms in the back. Gonyon says he told her he that hadn't paid anything on the mortgage in about three years. When ABN Amro Mortgage foreclosed on June 30, 2011, he owed $71,578, a total that may also have included late fees and other assessments.
Michigan law requires a six-month grace period during which homeowners can repay the balance due and reclaim their home; Ward got an extra year before Bell came calling.
Gonyon says that Ward was something of a loner but also a good handyman. After Bell's crew removed his possessions from the house, a few neighbors collected his bed and a few other personal items and stored them for him in their garages.
"He lived here for years and years and years ... and he lost everything," she says. After he returned from the ER, Gonyon invited him to live with her temporarily. He's since moved out to a friend's home in another neighborhood, but still comes back to mow her grass.