The foreclosure crisis now hitting home in Will County is most likely affecting poor and minority neighborhoods the hardest, lending experts say.Nearly a quarter million black and Hispanic families are expected to lose their homes to foreclosure in the next few years. Neighborhoods with large segments of poor and minority populations in Chicago, Cleveland, Philadelphia and Atlanta are registering alarming rises in foreclosure rates, in some cases more than a doubling, according to an analysis of court filings and other housing data by The New York Times and academic researchers.

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