In 2007, Franklin Gilliard and his wife, a teacher's aide named Sherry, started their own business: a driving school. Shortly after, they were hit by the recession.
The couple worked hard to stay afloat, but despite their efforts, they found themselves drowning in past-due bills and late notices and became homeless in 2013.
"We had the car repossessors there. We had the bank knocking on the door. You just feel like you're a prisoner in your own home," says Franklin, 46.