Kerrie Russo kept her New Jersey house but learned a costly lesson after signing up for a 'negative amortization' loan that she says she did not fully understand.

Sorry Kerrie, but you, like many others aren't a victim here. You bought a house in which you could not afford with a normal loan. You then took out a risky loan which would allow you to afford the payment for while. How is that hard to understand? Then the payment went up and now you are a victim? Boo hoo… Yes you are a victim of greed and stupidity.