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 we meet Mr. Vernon Frontz. He’s 92-years-old and was sold a refinance over the phone. He went from a fixed rate mortgage to an option-ARM where each month his mortgage balance increases because his monthly payment doesn’t even cover the interest on the loan. These types of loans are illegal in many states.

When his daughter looked at his mortgage papers, she noticed that his income was stated as $4,480 a month. It’s actually more like $1,400.

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.