There’s been a lot of debate in Salem this session over foreclosure bills designed to help struggling homeowners. One Bend real estate agent who does a high volume of distressed properties says he's "worked in the trenches" and doesn't see how the bills would help. One bill calls for more disclosures to the consumer when the bank is pursuing a foreclosure, while also considering a loan modification. Real Estate Agent Kip Lohr says the people already know that: “There's no tracking system that's necessary for that. They can just call their bank and they will disclose that to them readily! That info, most of the folks I deal with in the short sale process they have had a notice of default filed they know the bank's intention is to exercise its right to take the home back. It’s not really a question. So if they are choosing to do a loan modification or a short sale, they know that the bank is going to also move forward with their other options.” The other bill would require a face-to-face meeting between the bank and homeowner. But Lohr says that doesn't do much either if the person doesn't have the income to stay in their home.