Dawn Lamb watches in frustration as a friend of hers earns $2,500 a month, with her mortgage payment taking up $1,900 of that. Her car payment is another $300, leaving her with $300 to pay for everything else.

Lamb’s friend defaulted on her car insurance, and now is in danger of losing her car. If that happens, she won’t be able to get to work and likely will lose her job.

“It’s just terrible, the situation she’s in,” said Lamb, a loan officer with Hilltop Financial Mortgage in Sacramento, Calif. “She doesn’t want to sell her house because she feels like that’s her house.

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