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The faces of foreclosure

It’s a national problem that can be told from thousands of towns, including Elkhart, Ind.

James Cheng
James Cheng
Many people in Elkhart County are losing or about to lose their unemployment benefits. This will increase the home foreclosure rate in the county. Elkhart county is not alone with this problem. Across America, the unemployment and foreclosure rates are at historic highs. The subjects have been photographed at the homes they lost. Hood adds his idea here. James Cheng
James Cheng
Many people in Elkhart County are losing or about to lose their unemployment benefits. This will increase the home foreclosure rate in the county. Elkhart county is not alone with this problem. Across America, the unemployment and foreclosure rates are at historic highs. The subjects have been photographed at the homes they lost. Hood adds his idea here. James Cheng
James Cheng

An aspiring singer, Rowena Gutierrez poses for a portrait in the backyard of her Elkhart home. After losing her job as a nurse and seeing her variable mortgage jump to 13 percent, she had a heart attack in June and could lose her home if she doesn't find a job soon.

She takes unpaid singing gigs on the weekend, hoping to be discovered and hired. “I calm myself by singing, you know, it gets me grounded,” she says.

Gutierrez attributes her plight to an aggressive mortgage agent and her own giddiness. "I didn't understand that it was a third party thing," she says of the loan. "All I cared about was I was going to be a homeowner... I was in Disneyland."

James Cheng
James Cheng
James Cheng