Bankruptcy Self Help Desk Gives Debtors Some Peace of Mind
Many people filing for bankruptcy today are financially responsible and never imagined they would be insolvent. Layoffs, reduced work schedules and unexpected medical expenses have wreaked havoc on our community.
The Beck* family is one example. The Beck family had negotiated a "trial" loan modification and was current with their payments under the modified loan. Disappointingly, their lender still proceeded to file a motion for relief from stay in their bankruptcy to foreclose on their home. The family was very afraid of losing their home and their health was suffering as a result. They turned to Public Counsel's Bankruptcy Self Help Desk where staff and pro bono volunteers quickly analyzed the situation and assisted them in preparing an opposition to the lender's motion. After the lender received their opposition brief, the lender immediately withdrew its motion. The Beck family now has peace of mind that they will not lose their home to foreclosure while they conclude their loan modification.
Public Counsel's Bankruptcy Self Help Desk and Clinic was established one year ago, funded in part by the Attorney Admissions Fund. At the one-year anniversary of the Clinic's opening, there is still a dire need for bankruptcy assistance, especially in California, where the unemployment rate is twelve percent and the foreclosure rate ranks third in the country.
The Clinic is open to the public on Mondays and Wednesdays from 10-2 and 2-4 at the Federal Building located at 300 N. Los Angeles Street, Los Angeles, CA 90012. In just one year, the Clinic has provided assistance to over 1,000 individuals and families.
*Name has been changed to protect identity and privacy of the family.