Home or the Holidays?

"... their financial crisis was triggered when Harriman, who is 40 years old, began missing work due to flare-ups of her multiple sclerosis. She finally quit work in 2005, believing her pension and federal disability payments would make up for the lost salary. But it took six months for the disability to kick in and pension paperwork dragged on for two years."

They took out a new mortgage, replacing their former fixed-rate loan with a lower adjustable rate that reset higher after two years, giving them time to catch up, they hoped. But they still couldn’t manage, and ended up filing for bankruptcy protection.