naheed akhter and her husband, man zoo, have spent $75,000 to save ther homes. only covered a third. the family got this letter from their mortgage lender in january. >> "your mortgage is default, and your property will be referred to foreclosure." >> reporter: the actars have missed five mortgage payments to bank of america. they have no income because sandy destroyed the pack taken restaurant where they worked. >> i don't have a job. utility bills, my credit card bills -- everything. i cannot pay everything. >> reporter: although they never received disaster assistance from their bank, many mortgage lenders did offer a three-month grace period to sandy victims but that period has ended and some banks want balances paid. >> there actually is a ticking time bb. >> franklin romeo is an attorney working with 100 other sandy victims at risk oforlosures. >> thousands of homeowners are facing problems. >> reporter: problems or foreclosure? >> i would say who are at risk eclore. it is not going t realistic for homeowners who have been both paying for repatriation payi