Ms. Hopkins is an 87-year-old woman with health and mobility issues. She called Legal Aid after her monthly mortgage payment increased to a level that she could not afford.
Initially, Legal Aid assisted Ms. Hopkins in discovering that her homeowner’s insurance premium had gone up and helped Ms. Hopkins find a better deal. However, after dealing with that, Legal Aid discovered that the mortgage company paid both insurance companies, leading to a large shortage in Ms. Hopkins’s account.
After resolving that issue, Legal Aid discovered that Ms. Hopkins was on the verge of foreclosure because four months of mortgage payments had not been received—even though the payments were deducted from her bank account each month. Legal Aid was able to find out that the mortgage company’s payment processor had been applying the payments to the wrong account and got the mortgage company to resolve the issue.
Because of Legal Aid, Ms. Hopkins was saved from foreclosure, got a better deal on her homeowner’s insurance, and was able to reduce her monthly payment to a much more affordable level.