So after someone who barely makes enough money to pay a house pmt with a subprime rate loangets garnished for like a medical bill or old cell phone ect.. then comes foreclosure, then the debt is sent to attys office. They obtain a Jmt on the borrower. Then they lose their house & countrywide attys put a jmnt lien on the borrower/victim & IF they continue to work they get garnished for the home they lost in foreclosure.