Lucy and Mike applied to BALS several years ago after a foreclosure action was filed against them. At the time, their sole household income was Lucy’s Social Security benefits because Mike was unable to work after he was diagnosed with cancer. BALS’ attorney, assisted Lucy with filing an answer, but was unable to do more to help them because they could not qualify for a loan modification due to their lack of income. Several months later, Mike applied to BALS when his request for disability benefits was denied. Assisted by BALS’ paralegal, Mike successfully appealed the decision and began to receive his monthly benefits. With the additional income, the couple applied for a loan modification. After more than a year, the lender approved the modification which reduced their mortgage payments and enabled them to keep their home.
