We tried to buy a house when we moved back here that was on the verge of being foreclosed on. The mortgage was held by the wife, who, after a divorce, had gone to live elsewhere, with the ex husband and kids remaining in the house. He became a squatter, alleged that the house had been transferred in trust to the kids, filed for bankruptcy 2-3 times and I can’t remember what else. We gave up after a month or two of the shenanigans and bought another house in the neighborhood. Later the house was purchased at a foreclosure sale and the owner evicted him. This guy had more tricks up his sleeve than most. In my mind, the bank was reluctant to actually take a stand, but maybe they knew what they were doing ….