I have heard these words many times over the years from desperate homeowners and apartment dwellers. A few were returning from the airport after a trip, some had a car load of groceries in the hot car. No one expects their lock NOT to open when they have the key, but it happens all the time. Usually the lock gives fair warning it will fail. You just need to know the signs and take preventative measures.
Not much can be done if you find yourself in this scenario. Your best option is to call a professional locksmith. The easiest way to find a locksmith is the website findalocksmith.com. If you know of a local locksmith because you have seen their locksmith store, then call them. I recommend storing a trusted locksmith’s phone number in your cell phone. To find a good locksmith in your area ask people where you work, or people you know at the gym, or church or night class. Referrals are better than guessing on your own.
The reason your key is turning all the way around is because the little piece that transmits turning power from your hand to the deadbolt has broken or become detached. The only way to fix the problem is to remove the lock from the door. I will explain the tail piece failure in the pictures to follow.
Before you call a locksmith there is a chance the key retracted the deadbolt half way before breaking. If the door opens out, and you can see the lock bolt between the door and door frame, use a pen knife or similar tool to push the lock bolt back into the door. This is a long shot but it is worth trying.
If the problem is occurring with a door knob, you can try the pen knife trick in the previous paragraph. Your best option is to call a locksmith.
The only way to avoid this lockout problem is to take steps to prevent it from happening. You can test your own lock. Close the door and turn the key to lock and unlock. Is your key hard to turn when locking or unlocking the door? If so this could indicate the strike plate (hole in door frame) is out of alignment and stressing the inner lock parts every time you turn your key.
Now open your door and use the key to extend the lock bolt. Is the key hard to turn now? If so your lock may need lubrication, or the lock mounting holes may be out of alignment. Either way the lock has to be removed so the inner moving parts can be lubricated. Any silicone based spray lubricant will work. Do not spray silicone lubricant in the key hole! If lubrication helps the lock work easier, but you still feel resistance when you turn the key, you should have the lock mounting holes re-bored by a locksmith.
If your home or rental is new to you, consider having all the locks changed, or re-keyed to a new key. A locksmith can use your existing locks and rebuild them to a new key. The previous owner or renter may have given keys to trusted friends, neighbors, or family members. Re-keying your locks will ensure you have the only keys to your new place.
The locksmith should check to make sure all your locks are working normally while he/she is removing and reinstalling your locks. 
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