A woman has basically become a squatter in her own home.
Patricia's dad took out a reverse mortgage on the house nine years ago and when he died in 2012, it left Patricia with debt. She admits she wasn't on top of things.
Paperwork shows the bank has tried to collect on the debt for at least four years, money Patricia says she simply doesn't have.
"What would you like me to do?" she said. "Just vacate my property and lose my family's home?"
The home still has family photos on the wall, report cards on the fridge and even a fresh brew of morning coffee.
But they no longer are owners of their home. When the constable kicked the family out, they left but afterward broke back in through an open window. The family is trying to be discreet, even coming through a back fence.
— Jess Janner Castro (@JessicaJanner) January 25, 2016
"But at this point, the fact that the homeowner owes the bank money, the bank is really calling the shots," said financial analyst Steven Budin.
The best advice is talk to banks sooner rather than later to hopefully avoid the situation.
But for now, it looks like Patricia's best option is to move out and let the banks sell the home. What Patricia, her husband and fours are doing now could be considered trespassing.