JALA client learns an important lesson about signing agreements without first reading them
“John” applied for a HVAC technician position that was advertised online. Within hours of submitting his application, he was having a phone
“John” applied for a HVAC technician position that was advertised online. Within hours of submitting his application, he was having a phone
At 17,“James Gadbury,” not his real name, enlisted in the Marines, drawn by the desire to challenge himself and step out of his comfort zone. During his three years of service, he was stationed at Naval Submarine Base Kings Bay in Georgia, a stressful environment where understaffing left him little time for rest, and where a toxic command culture brushed aside his mental and physical health concerns. After an incident involving other Marines occurred in his presence, Gadbury took responsibility for not intervening, which resulted in him serving time in the brig and receiving a demotion in rank. Although it was the only blemish on an otherwise stellar record of service, his plea agreement unexpectedly culminated in an “other-than-honorable” discharge, leaving him devastated and grappling with guilt and grief over his lost military career. Unfortunately, such instances are not uncommon, and the consequences can be life-altering.
Due to major health issues, “Nicole” struggled to keep up with her homeowners association dues. As her illness progressed, she had to undergo multiple corrective surgeries after the original was botched, and she fell further behind on her payments, which exacerbated her already challenging circumstances. With the threat of foreclosure looming, Nicole was referred to Jacksonville Area Legal Aid and connected with Joy Bryant-Baucum, a housing counselor in JALA’s Jacksonville Office. Bryant-Baucum provided guidance and support, meticulously walking Nicole through the application process for the City of Jacksonville’s Foreclosure Intervention Program funds and making sure her paperwork was promptly submitted while keeping Nicole informed at every step.
“Lorraine,” a part-time caregiver of her grandchild, was already struggling to pay her bills each month when her wages started being wrongfully garnished for an alleged debt of $11,762.49. In addition to her regular expenses, she had undergone five eye surgeries, making her financial situation more burdensome. Because some of her wages were being withheld, Lorraine couldn't pay her rent and bills, nor keep food on the table without borrowing money.
Represented by JALA attorney Michelle Broyles, “Yvette” was awarded sole parental responsibility and 100% timesharing for her four minor children in 2021 in a divorce from her husband, who was allowed supervised visits after being released from jail in California for serious crimes. Now engaged to a man with whom she has a 14-month-old son, she and her partner plan to move to the Washington, DC, area, where her partner was offered a job at a law school, and where they both have family. In the meantime, Yvette’s ex-husband began showing up at the children’s schools and trying to take them with him, as well as watching Yvette’s house and waiting until the kids were home and she was not, then convincing them to let him in and go places with him. Her fiancé moved in, and her ex-husband began showing up with law enforcement officers and demanding the children from him, causing Yvette to have to regularly leave work to handle the situation. She kept a copy of the final judgement from the divorce with her at all times for this reason. The repeated absences from these incidents cost Yvette her job.
After eight years of excellent job performance at a large insurance company, “Jean,” not her real name, had to take six weeks of leave under the Family and Medical Leave Act (FMLA) due to a serious medical condition. While she was off from work, her husband walked out on her and their two teenaged girls, which sent Jean into a deep depression that required her to seek counseling. While she was in treatment for depression, she needed more time off, so she requested and received approval for intermittent FMLA leave that started in June 2022. While struggling to get her personal life back on track, Jean was experiencing significant upheaval at work, as the company was engaging in major job restructuring. Her job duties expanded threefold within six months, and she was assigned several different managers during this time. By 2023, she was still taking intermittent FMLA leave for her depression, and her work began to suffer. As a result, she received written warnings and job coaching, which had never happened to her before. After increasing her focus on her job performance, she was shocked when the company terminated her effective Jan. 10, 2024.
“Dorothy,” 84, had a new heating and air conditioning system installed in her Jacksonville home, where she lives alone. Because of improper installation, the unit did not work properly from day one. Dorothy, who had signed a finance agreement for the purchase of the unit, immediately notified the company that the unit was defective and asked them to fix it. Each time they scheduled an appointment with her to fix the unit, they did not show up. She did her best to dispute the charge with the company and with the lender involved in the finance agreement. The air conditioning company tried to push Dorothy into filing a warranty claim instead of fixing the problem.
As a child in Jacksonville in the 1950s, Arthur Leroy Johnson would go get ice cream with his father and brothers at the Foremost Dairy in Riverside, the Jacksonville, Fla., neighborhood where he has lived for nearly 40 years and where he is struggling to hold onto his two-bedroom home with the help of Jacksonville Area Legal Aid. “My father worked two blocks from where I live today,” said Johnson, whose father was employed at the dairy. “At 5 o’clock in that neighborhood, all the Black people had to be out. There was a whistle that would blow. If you worked in that area, as a Black person you had to be leaving. The whistle was called Big Jim.” In 1986, Johnson, who is now 80, became a homeowner in that very same neighborhood when he bought an 1,100 square-foot, aluminum-sided home from a woman who employed his mother as a domestic worker. Johnson, who will be inducted into the African American Golfers Hall of Fame in May and had a successful career as a concert promoter, eventually ran into financial difficulties when prostate cancer and other health problems sidelined him from his job as director of First Tee – North Florida, a program that integrates golf with a life skills curriculum to help youth build strength of character. He took out a reverse mortgage on the 1912 home, initially borrowing just $24,000. But living on $941 a month in Social Security, he was having trouble making needed repairs to his home. Unable to get insurance, he defaulted on his reverse mortgage. After fighting to hold onto his home for 12 years, he ended up owing a total of $140,000 to pay off the mortgage.
“Scott Stief,” 57, a local government employee, came to Jacksonville Area Legal Aid when he and his wife, “Emily” were about to lose their home to foreclosure. They had fallen behind on their home equity line of credit payments after Emily lost her nursing job of 25 years. Although Scott was working with the bank, the lender nonetheless started foreclosure proceedings. Scott and Emly were having difficulty determining the amount they needed for reinstatement of the loan because of the interest payments and type of loan, and they had been served with a foreclosure notice. JALA attorney Mike Pelkowski immediately began working to help the Stiefs avoid foreclosure, walking Scott through his court hearing. JALA housing counselor Joy Bryant-Baucom meanwhile corresponded with the bank’s lawyers regarding the reinstatement figures and helped the Stiefs obtain City of Jacksonville Foreclosure Intervention Program funds. With the right reinstatement information and the city funds, she was able to get a check sent to the bank in the amount needed to get the loan reinstated.
Attorney Mike Freed (left) founder of the Freed to Run fundraiser for Jacksonville Area Legal Aid, and Jim Kowalski, president/CEO of