Just last year the Storm Lake, Iowa area saw this scenario played out. I received a number of phone calls from the tenants who were scared and not sure what to do and I am sure they are not alone. If you have anyone in this situation this video gives you the answers to their questions. A new law came into play May of 2009 and to get it out to a large number of people they decided to put it on You Tube. The video is from the Ombudsman for the Office of the Comptroller of the Currency (OCC).
Check it out http://bit.ly/ci2ecX