VICTIMS 1

Sonya Robison, of rural Yoder, Colo., was attacked in 2006 at home and missed a couple of payments while deciding whether to abandon the home because of her trauma. She decided to stay, and negotiated a repayment plan with her servicer. Though Robison was current on payments, she went away for Christmas and returned to find the locks changed and the house ìwinterized.î The electricity, gas, water supply were all turned off. The servicer said it was a mistake, they would cover the costs of turning everything back on. She suggested she just skip on payment. By the time she made the next payment, they sent it back and initiated foreclosure proceedings. But it turns out the party thatís filed the foreclosure does not appear on any deed or note. She is suing the bank. (Photo/Kevin Moloney for the New York Times)

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Sonya Robison, of rural Yoder, Colo., was attacked in 2006 at home and missed a couple of payments while deciding whether to abandon the home because of her trauma. She decided to stay, and negotiated a repayment plan with her servicer. Though Robison was current on payments, she went away for Christmas and returned to find the locks changed and the house ìwinterized.î The electricity, gas, water supply were all turned off. The servicer said it was a mistake, they would cover the costs of turning everything back on. She suggested she just skip on payment. By the time she made the next payment, they sent it back and initiated foreclosure proceedings. But it turns out the party thatís filed the foreclosure does not appear on any deed or note. She is suing the bank. (Photo/Kevin Moloney for the New York Times)