Name changed for privacy; photo not the client.
After facing severe financial struggles, “Charles,” not his real name, and his wife were on the verge of losing their home. Thanks to the help of Jacksonville Area Legal Aid (JALA), their situation was turned around, and they were able to retain their property.
Charles, a self-employed contractor, had faced a tough financial year even before the COVID-19 pandemic hit. With two clients backing out of contracts, his income was significantly impacted. Despite efforts to recover, the situation worsened, and he was forced to apply for a mortgage modification. Things took a further turn for the worse as the pandemic compounded the financial strain, leaving Charles and his wife with dwindling savings and mounting pressures.
As Charles dealt with ongoing health issues, the couple received Social Security benefits in 2023. Although that provided some stability, navigating the complexities of mortgage modification was overwhelming. That’s where HUD Housing counselor Joy Bryant-Baucum stepped in. She provided not only legal advice but also emotional support, ensuring that James and his wife felt secure throughout the process.
With Bryant-Baucum’s expert guidance, Charles and his wife were able to manage the mortgage modification process effectively, ultimately keeping their home. This success story highlights the critical role JALA plays in offering hope to families facing foreclosure and financial distress.
“I don’t know what we would have done without you,” said Charles in a heartfelt letter of thanks. “You made a complicated and stressful process manageable. Your help allowed us to keep our home, and for that, we will always be grateful.”
JALA’s work is made possible by generous community partners like United Way, which ensures that families like Charles’ have access to the resources they need in times of crisis.
If you or someone you know is facing foreclosure or needs help with a similar situation, contact JALA for assistance at (904) 356-8371 or apply online at www.jaxlegalaid.org/apply/.
About Jacksonville Area Legal Aid
Jacksonville Area Legal Aid is a nonprofit law firm dedicated to delivering economic, social, and housing justice to low-income and at-risk individuals and families on the First Coast.
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/.
