Name changed for privacy; photo not the client.
Facing overwhelming financial challenges, “Emma,” not her real name, and her husband, both self-employed, struggled to keep up with their bills after the birth of their son. Transitioning from a two-income household to just one, combined with the breakdown of their semi-truck, which was their primary income source, left them falling behind on their mortgage. Despite their tireless efforts to catch up, the mounting debt left them feeling as though they were sinking further into financial distress.
As hope dwindled, Emma shared her mortgage troubles with a Jacksonville Area Legal Aid attorney, who referred her to HUD Housing Counselor Carmen. From their first conversation, Emma felt an overwhelming sense of relief. Carmen carefully explained the process, outlining the necessary steps, and reassured Emma that they could navigate through the crisis together.
Carmen was proactive, always keeping Emma updated and following up regularly. When Emma mortgage company became difficult to work with, Carmen immediately stepped in to assist. Through a conference call that lasted an hour, Carmen worked alongside Emma to secure the necessary documents to access the City of Jacksonville’s Foreclosure Intervention Program funds that would help her get caught up on her payments. Within just two weeks of submitting everything, Emma’s mortgage was current again.
“I truly can’t thank Carmen enough for everything she did to save my home,” Emma shared. “She went above and beyond. Carmen was not only professional but incredibly supportive during this difficult time, and I will forever be grateful for her dedication.”
The City of Jacksonville’s Foreclosure Intervention Program provided a $4,099.16 payment, a small investment considering the alternative costs associated with homelessness. With this support, Emma no longer faces the threat of foreclosure and can have peace of mind knowing that her home is safe.
The City of Jacksonville’s Foreclosure Intervention Program, in partnership with JALA, is a lifeline for homeowners like Emma, providing financial assistance and legal support to help them avoid foreclosure, which is ultimately more expensive to all parties involved, including local government.
For anyone in a similar situation, JALA is here to help. Contact JALA at (904) 356-8371 or apply online at www.jaxlegalaid.org/apply/.
If you are an attorney interested in volunteering with housing-related issues, please contact Debra Talley, Pro Bono Case Placement Manager, at debra.talley@jaxlegalaid.org, or visit https://www.jaxlegalaid.org/pro-bono/.
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