Photo not that of the actual client.
“Alan” came to JALA after being unable to make his FHA loan payment for about six months. He’d taken out the loan the previous year and then fallen behind during a contentious and costly custody battle, which had taken a toll on his mental health.
Alan had sought help from the St. Johns Housing Partnership, who was told by the loan servicer that because he had not made the FHA-required number of consecutive monthly payments, he was ineligible for a loan modification. They advised him to contact JALA for help with the foreclosure case filed against him.
As it turned out, the last payment Alan had made was not a single month’s payment but rather a lump payment of $12,000. Upon learning of this, his JALA attorney contacted the servicer and learned that the $12,000 had been applied to enough consecutive monthly payments to allow Alan to be considered for a loan modification after all. She then helped him apply for a loan modification.
JALA was successful in obtaining a loan modification that lowered his payment by nearly $50 a month, but more importantly his attorney was able to put him back in a current status and obtain a dismissal of the foreclosure case, saving yet another home.
