What happens when the bank forecloses on a home that’s not in arrears on the mortgage or one that’s owned outright? According to this ABC News report, it’s not a simple process for victims to get their homes or their possessions back. Homeowners in 4 states are accusing Bank of America of foreclosing on homes that were not in arrears. People in Florida, Kentucky, Texas and Pennsylvania have been affected so far, but there could be more victims out there.