homebuyers may not like to hear it, but real estate attorney and author of "foreclosure nation," shari olefson, says mistakes will be made. >> part of the problem is we're so deep into this and the problems have compounded so much over the last few years. we know that it started with a huge influx of cases, much bigger than the system was ever really designed to take. that came on the tail end of about a decade of changes in the industry that actually made these cases more complicated. >> tom: back in naples, florida, maureen and warren nyerges spent six months sending letters, pleading with bank of america to dismiss their foreclosure. it eventually wound up before a judge. >> we went to court and produced our documents. we gave them our arguments. the law firm was unable to produce documents. they really didn't have answers to a lot of questions. they just kept insisting there was mortgage. >> reporter: the judge ruled in favor of the couple and awarded them $2,500 in damages for their trips back and forth to the courthouse. but bank of america fought paying them. the nyerges then tu

. >> sharis lewis is driving the train when she sees bill waving at her. >> as i'm coming in i notice on the platform but particularly this one guy that's really frantically waving and he was really on the edge of the platform. i'm like, okay. you really need to move or you're going to fall in so i initially i'm slowing down because my concentration is on him. >> when she looks down into the pit where bill is pointing she notices a shadowy, moving figure. >> like okay. that's not supposed to be there. that's a little bit too big. and i noticed there's someone in there and then, you know, automatic reflexes like, okay, you know, put the train in emergency brake and just stop. you know, the train, you don't have that automatic stop, so it was still moving and it was just like stop the train and pray for the best. and as we're coming up i can see the train go over her and that just scared me even more because i'm like, oh, god. she's not going to make it. she's not going to make it. >> i wanted to be superman and just try to hold the thing back because i could see it starting to go over

next is shari villarosa, deputy coordinated at department of state and served in beer ma many -- beer ma and her career included oversea assignments in brazil and ceo qa dore and others. next we have mr. roberts who began his government career as a u.s. army private in 1968 serving 24 years on active duty as a military intelligence officer. let me thank you for your service to our country, and thank all of you for being here today. i've been informed that we're going to have votes in probably five minutes or so? in fact, they just called it just now. [laughter] i would -- they'll stay open -- i think we can proceed with some of the testimony. they usually keep the votes een open for 30 minutes. with that, ms. williams bridgers is recognized. >> ranking member and members of the subcommittee, i'm pleased to be here to discuss the reports released today to address safe havens. safe havens allow terrorists the freedom to train, recruit, and plan deadly operations that constitute a threat to the united states. as you mentioned in your opening statement, charm, such ever such was the case