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

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...

He said he was foreclosing on Dec. 15.

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

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 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...