There are few nightmare scenarios worse than a foreclosure. You lose your home, your finances are in ruin, and it takes a decade for the bad news to be removed from your credit report. What’s even worse, however, is when a bank forecloses on a home that you own outright and mortgage free.

A family arrived at their desert home near Twentynine Palms, California, not far from Palm Springs, to find their home broken into and all of their possessions gone. Continue reading →