美当局调解房主银行防失赎案增加一托福阅读机经背景.docxVIP

智课网TOEFL备考资料美当局调解房主银行防失赎案增加一托福阅读机经背景 Mediation Aims to Avoid More US Foreclosures 美当局调解房主银行防失赎案增加 Foreclosures continue to rise in Florida and other U.S. states hit hard by the real estate crisis. Several Florida counties are trying to fight back against the problem by bringing banks and homeowners together to find a way to save troubled mortgages from foreclosure. 在美国佛罗里达和其他受到房地产危机重创的各州，丧失房屋赎回权的案件还在继续上升。佛罗里达的一些县正在采取措施，努力阻止事态的恶化。他们组织调停，安排银行和房屋拥有人会谈，希望找到办法解决有问题的房贷，避免房主丧失住房赎回权。 Real estate experts say now may be a great time to buy a home in south Florida, if only because so many cheap foreclosed homes are available. 房地产专家说，现在可能是在佛罗里达南部买房的好时光，即便是仅凭市场上有大量便宜的止赎屋这一点。 The flood has created chaos for local judges, who must rule on every foreclosure case. But another option is to avoid the courtroom and order both the bank and the home owner into a mediation room. 止赎屋的大批出现给当地的法官带来了麻烦， 因为他们必须对每一个案件进行判决。不过，现在可以有另外的选择，不用让法庭裁决，对银行和房主进行调停，让他们自己谈判。 Rod Petrey, head of the Collins Center which organizes out-of-court mediation programs, says that option has been ignored in Florida until now. 科林斯中心就是这样一个组织庭外调解项目的机构，罗德.彼德雷是该中心的负责人。他说，直到目前为止，佛罗里达一直没有重视这个办法。 One thing we are missing is for the two parties to talk to each other, Petrey said. When a lender calls a borrower, a lot of the language has been: Pay up, deadbeat. Is that the best way to have a conversation with the borrower? “我们一直没有做到的是让双方会谈.....银行或是其他借贷机构给贷款者打电话时，通常的说法是‘付钱吧，到期了。’我不认为这是与贷款者谈话的最好方式。” Some borrowers also complain that banks or lending firms do not return their calls or that it is too hard to get in touch with the right person in charge of their mortgage. 一些贷款者抱怨，银行或是其他借贷机构不回复他们的电话，或是要与真正负责他们的房贷的人取得联系非常困难。 Petrey says some of those communication problems can be avoided with court-ordered mediations, which the Collins Center is helping to organize in several areas. The non-profit group recently held a training session for about 200 trained mediators in the Miami area.