Please remember that many of the homeowners that we are speaking about were once hardworking individuals. We don't know their situations. But I can tell you that the folks that I deal with are retired individuals who are on fixed incomes, or people who became sick/injured and are not able to work anymore, a death in the family so now there is less income coming in, etc. They worked hard for their homes and shouldn't have to leave, although sadly I have encouraged people to consider this as the options are limited. These people don't have the abillity to get another job as I can. Hopefully none of us will lose a job, a spouse, or become unexpectely sick - you never know what tomorrow could bring.