Orangevale, CA--Today, as my truck swung into the horseshoe driveway, Megan immediately saw the Notice of Trustee's Sale tacked to her front door, the locks had been changed, and a Realtor's lockbox was affixed to the entrance of the large family home with a pool and acreage. Her house had been sold at auction. This was the end of my friend's dream. And as her Realtor, I was a reluctant witness to the final chapter. Megan had tried to work out a "short sale" with the bank--selling the house for less than was owed. Within two weeks of listing the house, she even received two offers, one for cash. But, in the end, the bank decided to send the house to auction on October 26, 2009. On the st