This podcast episode delves into the complexities of charged-off loans, the resurgence of zombie mortgages, and the legal and financial challenges faced by homeowners targeted by these predatory loans. The episode highlights the lingering effects of the financial crisis, as homeowners like Harston continue to grapple with outstanding debts and the threat of foreclosure. Despite efforts by the Consumer Financial Protection Bureau to investigate zombie mortgages, homeowners often face limited options when facing foreclosure threats, with bankruptcy emerging as a potential last resort for some homeowners.