Client Stories

“Irene,” 80, had decades ago purchased a home for her mother and herself, but when her mother died in 1996, she lost half of the homestead exemption. She missed out on 25 years of the full property tax exemption, because only half of the property was in her name. JALA filed a probate action to transfer her late mother’s 50% interest in the home to Irene so she could claim the full exemption and better protect her modest 150% federal poverty level income.

“Victoria,” 63, had inherited one-sixth of her late mother's homestead property, and most of her five siblings had given their one-sixth share to her. One brother, who had moved to the Philippines years ago, died without a will in 2011 as a citizen of the Philippines.  He did not have a spouse or children. His only asset was his one-sixth share of the house in Jacksonville (worth about $11,000), so no probate action was filed in the Philippines.

“Raymond,” who has a disability, was working a part-time job in addition to his full-time job in order to pay off the $6,000 he owed his homeowner’s association, which had initiated a foreclosure for the past due assessments. He was also behind on his mortgage. He and his two adult children, ages 18 and 20, share the family home, and he was in risk of losing it.

“Marcia,” a single mother whose adult son has a disability, was delinquent on her mortgage after a COVID-19 hardship. She had entered into a COVID-19 forbearance, and once it ended, her loan servicer told her she had to pay almost $8,000 in one lump sum.

“Margie and Frank Wilson,” a Clay County couple in their late 70s, came to JALA for help after becoming delinquent on their mortgage following a forbearance period. Social Security was their only source of income, and they had been struggling to make ends meet for several years. JALA offers housing counseling through a grant from Clay SHIP, or the State Housing Initiative Program, which provides local governments with funds to create housing programs to assist income-eligible residents.

“Ariana” came to JALA after her mortgage company wanted her to pay the whole sum that was due from the period when her family had received pandemic-related mortgage forbearance. Her whole family had not only had COVID-19, but the head of the household had lost employment due to the initial shutdown. The family had resumed their mortgage payments, but when asked to pay the whole sum due, they could not afford it.