Legal Aid saved Joy and her family a lot of heartache and grief.
They were able to stay in their home...
Helplessness and desperation were not emotions Joy was used to feeling. As an independent, single mother of two young children, she was used to fending for herself. Joy was current on her mortgage but became unemployed. She continued to pay her mortgage as part of a reduced payment program offered by her mortgage servicer. Joy became concerned that the program was not in her best interest when the mortgage servicer would not answer her questions about the complicated program. Joy then made a large lump-sum payment using her life savings to get out of the program and pay the amount of the original payments. Her servicer failed to properly credit the lump-sum payment, eventually began refusing additional monthly payments, and proceeded to foreclosure.
Joy did not sit still and lose the only home her children have ever known to foreclosure. She had a deadline approaching and was desperate for help to respond to the foreclosure filed against her. At a friend's urging she contacted a Legal Aid attorney to review her options.
The day before her initial Legal Aid meeting, Joy was finally offered a new job. Joy and her attorney determined that although she could continue to make her original mortgage payments with her new job, she could not afford the large balance and legal fees that accrued during the foreclosure. Plus, her application for assistance from her lender was wrongly denied, and her housing counselor mishandled her application for rescue assistance.
Joy's attorney was able to obtain more than $18,000 in rescue assistance to reinstate Joy’s loan and preserve more than $9,000 in home equity. Joy also was able to pay off other debts she had incurred while unemployed.
Having a Legal Aid attorney working on her behalf saved Joy and her family a lot of heartache and allowed them to stay in their home. The benefit went beyond just Joy and her family, however. Foreclosed homes that are abandoned lead to blight and crime, and damage whole neighborhoods. Saving families from foreclosure is good for the families and good for the community.