It's Not Easy - Being Green!

A Recent Case
Army - National Guard - Married - 3 Children (5,4,2)

Soldier has a civilian federal job and had hernia surgery that caused an extreme reaction to medications. Due to the reaction, the Soldier was absent from his civilian job and could not attend drills from April to June. The Unit did not consider this to be caused by his drill duties and unfortunately his civilian job had no short-term disability. This hardship put the Solider behind 3 months on his mortgage. In order to attempt to catch up on his bills he applied and was accepted for a stateside deployment. The per diem, mileage, etc would have allowed him to catch up and a repayment plan was negotiated. Then the family vehicle broke down on his way home and they had to rent a vehicle temporarily to get him back and forth and then the Soldier was given a car to use to get to his job. This stopped some of his per diem. The family also had to purchase a second hand vehicle to allow the spouse to meet the needs of the children in his absence for extended periods of time. The Soldier has been placed on back-to-back stateside orders for over three months.
The mortgage company has now placed the home on foreclosure for 3p.m. Oct 3rd if they do not receive $9100.00. Once negotiations started the amount went up to $13,000.00 they wanted the entire amount not a negotiation. The Housing Preservation Fund (HPF) and USA Cares had already negotiated $6600.00 from HPF funds and USA Cares was going to help with an old power bill so that the Soldier could focus on the repayment plan. Soldier had given up all hopes until his family came forward to make sure that the Soldier did not lose the home. They took out loans to come up with the cash needed and the Soldier sent the payment via Western Union to the mortgage company trusting HPF funds were on the way. The budget is complete; Soldier had provided all supporting documentation of the amount of his income and job stability. Request was to have USA Cares Wire $6600.00 to his mortgage company by 3p.m. on Oct 2nd. The mortgage company was requiring a quick collect wire to be completed by 9a.m. on the 3rd or they would not be able to stop the foreclosure, which had already been in the paper. USA Cares’ Resource Coordinator assigned to this case negotiated after working hours with the mortgage company and a new agreement was made that they would accept a bank wire from USA Cares but, they had to have the confirmation number into the mortgage company by 9am on Oct 3rd. USA Cares’ Bank Representative started the process before bank hours of operation and the mortgage company called to request the confirmation number at 9:15 a.m. EDT. The mortgage company’s time zone was one hour behind us.
Soldier began to panic and called the office every ten minutes and when the confirmation number arrived it had passed both time zone deadlines and we were all concerned that the attempts were in vain. However the Soldier called the VA loan officer within the mortgage company and the loan officer stated that “Knowing personally the reputation of the organizations involved, they knew the funds promised would arrive” and they got the foreclosure STOPPED for the Soldier. Thanks to everyone who went ABOVE and BEYOND on this effort and these are the ones for the Memory Book.