Marcheline Roser sits on her bed in her flat in Madrid
Marcheline Rosero, 45, disabled from the effects of polio as a child in Ecuador, sits on her bed in her flat in Madrid December 17, 2012. She and her family escaped eviction from their small Madrid flat when she fell behind on mortgage payments two years ago, and lender Bankia repossessed it. The unemployed 45-year-old, confined to a wheelchair by childhood polio, reached an agreement to stay by paying the bank a nominal rent of 240 euros per month.
But under the existing law she still owes most of a 222,000 euro home loan even after handing the property - now valued at 60,000 euros - back to Bankia. "I've got a debt there that I haven't paid back that is accumulating interest," says the former office clerk, greeting her three children as they return from school. Picture taken December 17, 2012. To match Insight SPAIN/MORTGAGE-REFORM REUTERS/Juan Medina (SPAIN - Tags: BUSINESS POLITICS REAL ESTATE)