Soldier has been deployed for over a year. Prior to his deployment he had lost his job and had filed bankruptcy trying to save his home. House mortgage was sold to another company after he deployed.
Shortly after deployment his spouse lost her job, during that same time the Soldier was experiencing consistent pay issues that are still not fully resolved. Spouse had not heard from the mortgage company and had no idea the mortgage was under another company. She knew she was okay because she was protected under the Soldier and Sailors Protection and was paying bills each month in partials just to keep from losing anything.
Then the bad news came. The new mortgage company sent her a default notice because she had not been abiding by the court assigned payment. Her utilities were on “disconnect” and she still had no job.
USA Cares caught up the utilities and had to wait until the Soldier's pay issues were resolved before another organization we work with, Homeownership Preservation Foundation (HPF), could determine if the mortgage was affordable. Once this was confirmed it took USA Cares’ Resource Coordinator 3 weeks to get the needed information on the mortgage company and with a conference call the Resource Coordinator was able to inform the new mortgage company that the $7500 they were requesting was not accurate. The new mortgage company had added almost $2000 to the arrearages and these fees were not applicable because of the Soldier and Sailors Civil Relief Act protection.
It was then determined that this family was actually only behind $4585. Cost to USA Cares, $698.00 in utility coverage and $4585.00 from HPF dollars. Soldier will return to home in 60 days not to financial woes but rather to a warm welcome.
HPF Funds saved by USA Cares $2915!
