Michael and Pamela Negrea, of Cleveland suburb Eastlake, Ohio, have never missed a mortgage payment. Yet their mortgage company, GMAC, has tried to foreclose on their house, not once, but three times. And GMAC is still trying to haul the couple out of their house. It's one of the incredible stories in the past few weeks that have come out of Foreclosure-gate that just makes you shake your head in disbelief. The question, though, that is rapidly emerging is this: Are stories like the Negreas the anecdotes that prove banks regularly kick people wrongly out of their homes, or are these just the exceptions in a clearly bungled process that still general ends up evicting the correct folk?