When business at her forensic-auditing consultancy dried up at the height of the recession, and a cleaning business she ran with her husband faltered after a big customer closed up shop, Sahjeeda Fernandez, 40, faced a tough predicament. She fell about eight months behind on her mortgage on the house she has owned in Plainfield, N.J. for 13 years, at a time when she was already overwhelmed with caring for her dying mother.
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