Yolanda Bradford knows painfully too well the look on homeowners' faces when they are facing foreclosure.
Bradford, a non-profit financial consultant, said people who come into her office with a stack of late mortgage payments often don't have any hope of saving their home.
"They think there is no way to save their home, so many just walk away and let their house fall into foreclosure," she said.
Bradford has seen the number of homeowners who walk away without first pursuing all of their options steadily increase in Shelby County.