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So, they refinanced the house, took out equity in October, and then stopped making the payments? Who wants to wager any bets that CC was in charge of the finances? It takes a lot longer than being two months behind in payments for a house to be "near foreclosure"!!!
Kimster my neice and her husband are in the foreclosure process right now

The Coleman's May payment was prob not made and now June is past due. But what happened to the 20k they pulled out in that refi in October (siting from memory may not have the details correct). Maybe they paid off other debt, they mentioned the sale of a car as well as the house. Maybe they paid off the loan on SC's car?