Sam, Lynn Szymoniak stopped paying her mortgage to protest a raise in her rates that was not in accordance with the foreclosure terms; as an attorney she knew what she was getting into with the risk of foreclosure. Lisa Epstein's house went to her ex-husband in a divorce, and she had only stopped paying because the bank told her to. Amos Delva is still in his home, paying a negotiated $600 in rent to the third-party buyer who bought his home for 60k last year, not realizing the owner was still fighting to stay in it. They're waiting for the case to be resolved. Delva voluntarily moved for a loan adjustment anticipating a decline in the construction industry; he made payments at a new "trial rate" on time before the bank announced that it was foreclosing. None of these homeowners are faultless but they do not have traditional defaults along the old "deadbeat" model you hear about.