But his situation was not always so great. The home Billy was living in with his sister, her ex-husband and her three boys in Elmwood Park was foreclosed on in the summer of 2006. Pandola was lucky enough that both he and his sister were able to work out accommodations so that they are both now in even better living situations then they were before. But not everyone is so fortunate.
Because his sister was laid off, and Pandola's income was just not enough, they could no longer make the payments on their home.
"The bank did everything they could, but in the end it's all about making the dollar."
Pandola's sister was going through an expensive divorce, which made keeping up with mortgage payments difficult. She was able to move in with a friend until she got back on her feet.
Pandola moved in with his girlfriend and then future in-laws and landed a better paying job in Delaware County.
"I wish everyone who was facing foreclosure had the same ending as we did. This was a blessing in disguise because we wanted to get out of that neighborhood anyway."
By Noelle Kearns and Bennett Snyder, Group 4, Southwest Philadelphia