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John Carney of Carney Properties, jokes with employees at the end of another long day in the business of buying foreclosed homes, fixing them, and then selling them. Carney, who has been in the business for 11 years, has seen his company soar in the…

Kathy Coleman sits in the office of her lawyer going over paperwork as she tries to save her house from foreclosure. Coleman a former interior designer making more than $75,000 per year, was let go from her position just after taking out a mortgage…

Chad Pelliard, center, tucks his children Preston, 2, left, and Piper, 4, right, into bed while his long-time girlfriend Jennifer Audette, left, watches, in a room at the Red Roof Inn in Naples, where they had been living for the past month. Pelliard…

Jennifer Audette, right, panhandles on a busy street in Naples as her boyfriend Chad Pelliard, left, holds their son Preston, 2, wait for cars to stop. The couple, who had never been homeless before, had trouble knowing where to go for assistance and…

An employee wheels a hand truck over to a palate of canned goods at Harry Chapin Food Bank in Fort Myers just before the holiday season arrived. The food bank, which serves all of the food pantries in Southwest Florida, saw their stockpiles of food…

In a small conference room at the Salvation Army, Jim Scartz, chairman of the board of directors of the Collier Hunger and Homeless Coalition, right, voices his frustration with the allocation of federal funds to re-house the homeless as Bryan Lee,…

Steven Heinel, 18, a senior at Gulf Coast High School, works on marine biology homework in the mouth of their garage on one of the last pieces of furniture at his home in Naples before it was thrown out. Heinel's mom was being foreclosed on, and to…

In 2009 Southwest Florida became ground zero for the economic downturn in the United States. It was one of the top regions for foreclosures and jobless rates quickly rose over 10 percent. While investors were making millions of dollars buying and…

ADAMS COUNTY, CO - FEBRUARY 02: Mary Ann Smith collects some belongings after an eviction team removed the furniture from her foreclosed house on February 2, 2009 in Adams County, Colorado. Smith said she and her husband had been renting from an…

Yana Ramirez sits with her family at an Independence Day picnic on July 4, 2009 held by the Salvation Army in Denver, Colorado. She said she was laid-off from her job as a hairdresser three weeks before, and her husband had lost his mechanic's job…