The Chron‘s Carolyn Said has a sad, poignant story about Oakland resident Joann Gardner, whose family has lived in her little cottage for 54 years, but was finally forced to surrender their home to foreclosure. This isn’t a tale of the housing bubble, as the Gardner family had no trouble making payments on a home bought more than half-a-century ago, as opposed to the typical profile of homeowners facing default today. But it’s a terrible cautionary tale of runaway consumer debt. According to the Chron, the Gardners refinanced their home over and over to cover credit card debts and interest, as well as so many other little expenses they lost track of where the money went. Now, they’ve said goodbye to the family’s epicenter, and Said has the tragic details.