ADAMS COUNTY, CO - FEBRUARY 02:  Tracy Munch looks over an album of familiy photos after an eviction team removed all of her possessions from her foreclosed house on February 2, 2009 in Adams County, Colorado. Smith said she and her fiance had been renting from an owner, who collected the monthly payments but had stopped paying his mortgage. The bank foreclosed on the property and called the Adams County sheriff's department to supervise the eviction. They managed to borrow enough money to rent another house for themselves and their four children, she said, but not in time to avoid eviction. (Photo by John Moore/Getty Images)