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I just came in from my Saturday rounds of garage sales. They started off well (for me) as I picked up some leather-bounds. I usually talk with the people having the sales....just small talk. The last sale totally ruined my afternoon. She was foreclosed, and had to sell off a 9 room houseful of 'stuff' for fitting into a smaller apartment. Husband took off and left her with 3 kids, all younger than 11. Her hours were cut at work to part-time. Bank started foreclosure last November. She tried to negotiate a more affordable mortgage. Could not get a new lower rate mortgage as her hours, and income, were cut. She even tried to rent the house from the bank if they did foreclose. The bank only wanted the mortgage paid off or to foreclose....no negotiation. There was a moritorium (sic) on foreclosures until May 1. Then the proceedings started and she has to be out at the end of the month. Housing here in Las Vegas is the pits. Totally depressing.