Fox News National Coverage of Initiative Campaign

In 2010, Cheryl Hoffman faced the nightmare of foreclosure.

“It was awful,” she said as she walked past her old four-bedroom Santa Fe ranch in Golden, Colorado. “It was very painful.”

But aside from the emotional strain of being kicked out of her home, Hoffman experienced another problem:  The lender that was trying to evict her was not the lender she had signed her mortgage agreement with.

“My mortgage had been bought and sold so many times,” she explained. “It was unclear who the lender was and it’s still unclear today.”

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In fact her home, which is about 30 miles from downtown Denver, sat empty for months -- and not because no one wanted to buy it. She says her multiple lenders were fighting over ownership and thus couldn’t transfer title.

“I’m not even sure my foreclosure was legal, but I didn’t have the time or money to fight it,” she said.

It’s a situation she says is happening all over Colorado and in much of the country, and she’s now supporting a state ballot initiative that she says would give needed clarity to the foreclosure process.

The Colorado “Right to Foreclose” Amendment would require all lenders in the state to prove they own the property before they can foreclose.