Grace Ross of Massachusetts Alliance Against Predatory Lending and Esther Ngollu of Beverly testified Tuesday in favor of a bill that seeks to allow cities and towns to establish pre-foreclosure programs. BOSTON >> Arguing that the current rate of foreclosures is worse than anything Massachusetts has seen since the run up to the American Revolution in 1763, activists and homeowners Tuesday pushed the Legislature to clarify the rights of municipalities to try to prevent foreclosures and minimize their damage.

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