Some struggling homeowners find way to dodge foreclosure

At night, Margaret Jones would lie in bed, unable to sleep, her heart galloping.
Each time she came home, she feared the worst: a padlock on her door and a sign declaring her home in foreclosure. She was months behind on her adjustable-rate mortgage, which she'd become unable to pay as the rate climbed from 7% in 2004 to 12% this year. Her three-bedroom house, she was told, would be auctioned on July