Remainder here. [sarcasm on] Oh, cool...now I know that when my mortgage company refuses to refinance my home I can go to the courts and end up owning my home and cheat the bank out of every penny they loaned me. [/sarcasm off] I am sorry these people had some health issues, but that wasn't the banks problem or responsibility. They signed a contract and owed the debt. If they are having problems that caused them to not be able to meet their obligations they should have sold the home and moved to something they could afford. If there is any justice left in this country the judgement will be overturned on appeal.