Shaping the Future of foreclosure accountability
Protecting homeowners. Exposing misconduct. Demanding real reform.
Please use the form to the right to tell us about yourself, your case, and where things stand—both procedurally and physically.
Share what you need from the BFAOI and how we can help guide you through this process.
Foreclosure is exhausting. It takes a toll physically, mentally, and financially.
And it’s important to understand this: foreclosure is not always about missed payments. That’s often just the catalyst.
The real issue is how the process is used—and abused—against homeowners.
That is where we step in.
The BFAOI is not a law firm and cannot provide legal advice.
What we can offer is information, direction, and referrals to trusted resources.
These are the tools I wish I had when I was deep in my own case—and no homeowner should have to face this alone.
WHO WE ARE, WHAT WE STAND FOR, & THE FIGHT THAT STARTED A MOVEMENT
The Belsito Foreclosure Accountability Organization, Inc. (BFAOI) was born from one simple truth:
the foreclosure process in America is broken — not just in theory, but in practice, and in people’s lives.
We are a nonprofit founded by homeowners who lived the system from the inside.
We know the fear, the confusion, the silence, and the power imbalance.
We know how it feels to be blamed, ignored, and bulldozed by a process that was supposed to protect due process — not shortcut it.
And we know this:
Foreclosure isn’t always about missed payments.
That’s often just the catalyst.
The deeper problem is how the process is used — and too often abused — through:
incorrect or unverified plaintiffs
servicing errors
loss-mitigation failures
contradictory communications
rushed or defective procedures
auction listings without notice
and a system that gives banks unlimited reach while homeowners fight blind
That’s where we step in.
WHAT WE STAND FOR
We stand for truth, transparency, and accountability in every corner of the foreclosure process.
We believe:
• Homeowners deserve clarity — not confusion.
No more guessing who owns your loan, who you’re fighting, or what the next step is.
• Due process should be followed — every time.
No shortcuts.
No “clerical errors” that cost people their homes.
No rubber-stamped filings.
• Abuse of the process is abuse of the people.
Foreclosure is traumatic enough without misconduct layered on top of it.
• Surplus funds belong to the homeowner — immediately and automatically.
No third-party vultures.
No middlemen.
No hidden fees.
• Consumers deserve fair treatment — not legal juggling acts.
No family should lose their home because someone didn’t update a database or follow a rule.
The BFAOI is not a law firm and does not give legal advice.
What we do provide is information, direction, support, and referrals — the exact tools we wish we had when the system came for us.
THE FIGHT THAT STARTED A MOVEMENT
This organization didn’t start in a boardroom.
It started in a courtroom, in frustration, in grief, and in the realization that what happened to one homeowner could happen to thousands.
It started with a family who followed every guideline, made every call, filed every document, and still got swept into a foreclosure driven by:
misapplied payments
miscommunication
contradictory servicing
a fraudulent auction listing
a plaintiff who couldn’t prove ownership
and a system that moved forward anyway
Instead of accepting it, the response was simple:
“Not one more family.”
The BFAOI was built to expose systemic problems, demand reform, protect homeowners, and ensure that foreclosure — if it must happen at all — is done lawfully, ethically, and with full transparency.
This is not just an organization.
This is a movement.
One built on lived experience, relentless truth, and the belief that accountability is not optional — it’s overdue.
WHERE WE’RE GOING
We are actively working on:
legislative reform
homeowner education initiatives
surplus funds protection
statewide accountability standards
case-intake support
data-driven reporting
and partnerships to expand this movement beyond Kentucky and across the country
The system won’t reform itself.
But movements begin with ordinary people who refuse to stay silent — and that’s exactly how this one started.
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Contact Us
Are you a nonprofit, law firm, advocacy group, or policy organization interested in partnering with us?
We welcome collaborations that strengthen homeowner protections, advance legislative reform, and expand accountability across the foreclosure system.
Fill out the form below, and a member of the BFAOI team will reach out shortly.
We look forward to connecting with you.