In 2009, Carolyn and her husband divorced. Her ex-husband was the sole owner of the property and the sole borrower under the mortgage loan. As part of the divorce, he quitclaimed the property to Carolyn, but remained on the mortgage.
In 2012, Carolyn’s income was reduced and she got a loan modification without any trouble. A few years later, expenses increased when her son went to college. Fearing a default, she tried to get a second modification. This time, the mortgage servicer refused to talk to her because she was not on the mortgage . A foreclosure suit was filed, and Carolyn almost lost the family home. Fortunately, the judge referred her to CVLS through the Access to Justice Program.
CVLS placed the case with pro bono attorney Michelle Villarreal, who got right to work completing a beautiful modification application. Michelle also told the lender and their attorneys federal regulations required the lender to communicate with Carolyn and review her for a modification. It worked. Carolyn was able to keep the house with a reduced payment, and the foreclosure was dismissed.