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Home lost, woman must rely on helpers
Hospital visit, two weeks in car follow foreclosure
By Jewell Cardwell Beacon Journal columnist
The future of a 77-year-old Akron woman remains uncertain, but it's certainly brighter than it has been for the past two weeks.
That's because Terri Riggins -- who had been living in her car with her dog since being locked out of her Cole Avenue home Nov. 15 without her possessions -- is finally off the street.
Riggins, who spent most of those days in the parking lot of the Giant Eagle supermarket on East Waterloo Road, was picked up by Akron police officers about 2:20 Thursday morning at the urging of Adult Protective Services and taken to a hospital to be examined.
Riggins has congestive heart failure and edema and has been without her medications.
Emergency room doctors who saw her Thursday morning, however, determined her condition was not life-threatening, and she was released, said Marty Harbin, deputy director of the Children and Adult Services Division of Summit County Job and Family Services.
A relieved Harbin, who had teamed up with Adult Protective Services, had been trying to catch up with Riggins since learning about her plight last week.
Thanks to Protective Services and the Salvation Army, Riggins will be spending the next week in a motel that will allow her to keep her white Chihuahua.
Harbin said her staff is exploring more permanent solutions for Riggins.
Much about the circumstances that caused Riggins to seek asylum in her car is foggy. It was Nov. 15 -- her birthday -- when Summit County sheriff's deputies showed up and locked her out of the house she had called home for 16 years.
``I was never so humiliated in all of my life with the neighbors watching,'' an emotional Riggins said. ``It just hurts so bad.''
Riggins, whom I met with last week, said she left with the clothes on her back and her dog. She raised her pant leg to show me her badly swollen ankles. Even so, there was no convincing this woman with equal parts pride and disbelief to go to the hospital then.
Sadly, according to Pat Divoky, assistant director of Job And Family Services, Riggins' situation is not that uncommon.
Court records show that Riggins has been involved in a foreclosure on her home since 2000.
Riggins said a few years after purchasing the house for $21,000, with a down payment of $2,000, she said she was persuaded to switch to another lender.
She was offered a loan based on a private appraisal of her house at $65,000 (even though the county's highest appraisal on the property to date is only $46,900).
She could use part of the money to purchase a badly needed car. She could pay off her other bills. And everything could be rolled into one manageable payment.
Riggins said she made the payments by money order but never received credit. The lender foreclosed and was awarded the house by the court.
It's not clear whether Riggins was yet another victim of predatory lending -- somebody's pie-in-the-sky fast talk. Sounds like it.
``Unfortunately, these exorbitant interest schemes bilk the elderly, causing them to lose their homes every day,'' Harbin said.
In the meantime, here's to a good, warm night's sleep for Terri Riggins tonight.
Perhaps someone will show a little more mercy and help her get back the things in her home she holds so dear.
Jewell Cardwell can be reached at 330-996-3567 or jcardwell@thebeaconjournal.com.
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