It's a feeling of disbelief and shock.
"It's just not supposed to happen," said a tearful Amanda Richmond.
Getting a foreclosure letter from your bank. Amanda and her husband Dave got the notice while working with an unlicensed mortgage business on a loan modification.
"This is just ridiculous," said Dave.
"I don't know what to do! This wouldn't have happened if we wouldn't have taken their advice," said Amanda.
The North Bend couple says that advice was to deliberately miss mortgage payments.
"The only reason we made those late payments was because we were told to," said Amanda.
Last year, the Richmonds went to Kris Quigley, of Mortgage Relief Servicing Group for a loan modification.
"That is not our practice. We absolutely do not tell people not to pay their mortgage," said Quigley.
But I've discovered Quigley's business is not licensed by the Department of Financial Institutions.
"We're not a mortgage office," said Quigley.
In July, Quigley signed this cease and desist letter with the state saying he'd close up shop. The very next month, a broker was still working on the Richmonds' case with no results.
"We're not taking on new clients. We're trying to close out the old clients for them," said Quigley.
According to Deb Bortner with DFI, Quigley is not supposed to be doing that either.
"He agreed permanently to cease acting like a mortgage broker and, that's exactly what he's doing," said Bortner.
Bortner says they are looking at all options in this case, including taking Quigley to court.
"Then we have to issue orders. And orders can be enforced in court, and it sounds like where we're going to go next," said Quigley.
Since our original story aired, we've started hearing from others who have dealt with Quigley and we are looking at those cases. DFI says to make sure you check their website to make sure the business and the broker you are using are licensed.