in such a way that after the rates were raised, they likely couldn't afford to pay the mortgage anymore or they'd be under great stress in trying to do so.

这种“引逗利率，以至于到后来他们没有能力偿还贷款,或者为了还贷给生活造成巨大压力。

耶鲁公开课 - 金融市场课程节选

Then they deal with the households by having a local office and telling people what their balance is and calling them up if they're not paying and that sort of thing.

他们还会建立地方办公室,以便处理后续事宜,告知人们,他们的贷款余额,如果没有按时还款,就给他们打电话,以及类似的事情

耶鲁公开课 - 金融市场课程节选