Yes.  They need to change that rule.  Usually, if your living in a trailer, you don't have any extra dollars to rub together.  Plus the scumbag who should have sold it back to the vet on learning what had happened.  Wow...how did your friend find that your house was set to auction?  our neighbor lost his house same way.  Plus, they couldn't produce documentation and the deed.  But he still lost his house.  Man, glad you got that handled.  I can't imagine waking up to a notice that your house had been sold out from under you.  Going postal is a thing.