Our sister publication, Consumer Reports, put together some video interviews with people who, for one reason or another, are facing foreclosure. They are the human side of this financial meltdown.

Today meet Langdon McAlpin, a former police officer who presented his mortgage broker with a letter explaining that he had a traumatic brain injury and may not be able to fully understand any documents he was asked to sign. Mr. McAlpin and his wife ended up refinancing with ARM that had an initial payment of 60% of their monthly income and are fighting to stay in their home of 19 years.

If you’re having trouble paying your mortgage, the Federal Housing Administration may be able to help. Contact them at 1-800-CALL-FHA, 1-800-225-5342.

Want more consumer news? Visit our parent organization, Consumer Reports, for the latest on scams, recalls, and other consumer issues.