It wasn't a legitimate loan and it was a phony foreclosure. He was using fictitious names and addresses.

He said he was foreclosing on Dec. 15.

I was shaking in my boots. I told him, 'Michael. I'm 71 years old. I've had this house for 39 years.' He turned his back on me and said, 'I don't care.' He said it several times.

I tried to get my mother to move in with me, but she wanted to stay in her own home. When my mother died, my sister came down with cancer and I had to care for her.

My daughter said something is not right. She went next door to City Hall and they told her they never heard of Setter Financial. It was a front.

I made all my payments on time, but I never got a mortgage bill.