Joann Gardner sat forlornly on her living room floor, waiting for the final step in her home's foreclosure process. The lender's representative was due any moment to give her "cash for keys," a transaction in which she would deliver her family home vacant in exchange for an incentive payment. "I'm glad it's done," Gardner said wearily. "I just want to sit down and have some Hennessy." Only days earlier, the house had been jammed with boxes and bags holding the worldly goods her family had accumulated during 54 years in the cramped Oakland bungalow. Now it was entirely empty, the...