Father Keeps Home and Son Enrolled in School
Civil Justice was contacted by Mr. Jones*, a Maryland homeowner who was behind in his mortgage payments, with arrears adding up. He had no knowledge of foreclosure laws in Maryland prior to contacting Civil Justice. Mr. Jones was connected with a Civil Justice Network attorney. The attorney helped him determine what documents needed to be submitted for the foreclosure mediation and was able to get the bank representatives to respond promptly to Mr. Jones’ questions prior to the mediation. At the mediation, with the help of his Civil Justice Network attorney, Mr. Jones was able to outline his situation to the lender, and was able to successfully submit a loan modification application soon after the mediation. Mr. Jones received a loan modification with an affordable three month trial offer, which was subsequently converted to a permanent payment plan. As of 2014, Mr. Jones is still in his home and is able to keep his son enrolled in the school of his choice. Mr. Jones stated:
“Now, looking back I don’t see how I could have considered going to foreclosure mediation without the help of Civil Justice staff and a Civil Justice lawyer advocating on my behalf. I know I would not have been able to successfully negotiate without an attorney.”
Mother Able to Stay in Home after Receiving Civil Justice Representation at Mediation
Civil Justice was contacted by Ms. Smith*, a homeowner looking for assistance with her foreclosure. She had not previously worked with a housing counselor, but wanted to try to work out a modification for her mortgage. Ms. Smith did not qualify for pro bono representation, but was interested in obtaining assistance through Civil Justice’s Mediation Program. She met with a Civil Justice Network attorney prior to her mediation to discuss her situation and to determine what she wanted to accomplish. Ms. Smith was able to pay her current mortgage payment but could not get caught up on some of the past due amounts that accumulated after she lost her overtime income. Ms. Smith and her Civil Justice Network attorney met with the mediator and representatives of her mortgage company. The Civil Justice attorney negotiated a forbearance plan that allowed Ms. Smith to make her existing monthly payments for three months before the loan was converted to a permanent loan modification that she could afford. Once all three payments were made on time, the foreclosure action was stayed, and after the final modification had been executed, the foreclosure action was dismissed. As of 2014, Ms. Smith still lives in the home, and is happy that “everything worked out.”
*Names have been changed to protect the privacy of individuals.