Randee Noggle bought her house in Michigan for $151,000 in 2018. She paid cash, with inheritance left by her grandmother. During the pandemic, her family fell on hard times. Her husband’s income working in the restaurant industry dropped, and Noggle was dealing with health issues. Her disability benefits and leftover inheritance weren’t enough to cover their bills. Facing credit card debt, student loans, car payments and overdue property taxes, the Noggles were in trouble.