The housing crisis ended with many homes in foreclosure, which is why it was no joke when a man from Northampton got a letter stating his home would be seized if he didn’t pay up zero dollars and zero cents. Following the mortgage meltdown, struggling homeowners dread getting that nasty letter in the mail announcing your home is listed under foreclosure. That happened to Mark, only his letter caught him off guard. “It says, you owe us zero dollars, zero cents. I going to write a check to them for zero dollars and have it clear? I couldn’t help but laugh,” he said.