An article in the Sunday edition of the Toledo Blade reported that 1 out of 13 (7.84%) local home loan holders were late on their payments by 90 or more days. The rate is an increase from January of 2009, where approximately 5.72% of Lucas County home loan holders were more than 90 days behind. Lucas County Clerk of Courts, Bernie Quilter, stated that foreclosures in the County numbered 4,160 in 2009, up 1.6% from calendar year 2008. What can a homeowner do when faced with a foreclosure complaint? Lucas County has a foreclosure magistrate who can assist with mediation. A homeowner may attempt to work with their lender to modify their mortgage loan through the Making Home Affordable program. Or Bankruptcy, Chapter 7 or Chapter 13, may be a possible option.