Monthly Archives: August 2023

After Multiple Denied Home Retention Programs, Homeowner Wins Trustee Sale Reversal and Loan Modification with Non Profit Alliance of Consumer Advocates

LINCOLN, CALIFORNIA, UNITED STATES, August 23, 2023 — In an inspiring display of community support and relentless perseverance, Daniel Reid, a resident of 1347 Standish Cir, Lincoln, CA, has emerged from the brink of eviction and is now on the path to securing his family home, thanks to the intervention of the Nonprofit Alliance of Consumer Advocates and Consumer Defense Law Group.

Daniel Reid purchased his residence on May 29, 2018, with a loan he qualified for of $522,375. But life took a turn due to Covid-19 and in July 2022 his lender recorded a Notice of Default. Despite numerous attempts to secure assistance from his lender throughout 2020 through 2022, Daniel’s pleas for help went unanswered. Things reached a critical point when a Notice of Trustee Sale was recorded against his property on October 17, 2022. The foreclosure proceeded, and by May 4, 2023, Daniel Reids home was Foreclosed upon at the Court House steps at 1:00 p.m. and now faced the harrowing prospect of eviction.

Desperate and determined to find a way out, Daniel Reid turned to the internet, where a simple Google search for “Who can help me with a Trustee Sale Reversal” led him to www.TrusteeSaleReversals.org. He was promptly guided to a free eligibility application page which he completed with hope. His cry for help was immediately answered by the Nonprofit Alliance of Consumer Advocates, a faith-based not-for-profit loss mitigation clinic. Here, Senior Volunteer Advocate, Ashlee Huston, took charge of Daniel’s case and once she confirmed his eligibility, she immediately connected Daniel Reid with the Consumer Defense Law Group.

The law group wasted no time. A civil action was initiated (Case Number S-CV-0050588) and filed on May 30, 2023, at 7:02 am in the Superior Court of California, Placer County. Their diligent efforts bore fruit: Daniel Reid’s Trustee Sale was officially rescinded. And the good news didn’t end there. By August 9, 2023, Daniel secured a Trial Loan Modification. Now, all that stands between him, and a fresh start are three consecutive monthly payments, due in September, October, and November of 2023 to get a Permanent Loan Modification after a successful Trustee Sale Reversal.

Daniel’s journey, while personal and unique, shines a light on the broader challenges homeowners face and the invaluable role of nonprofit organizations in guiding those in dire straits towards hope and stability.

About Nonprofit Alliance of Consumer Advocates
The Nonprofit Alliance of Consumer Advocates is a faith-based not-for-profit loss mitigation clinic dedicated to assisting homeowners facing foreclosure with Homeownership Retention and affordable Housing.

AMIDST COVID-19 HARDSHIP

PHOENIX, ARIZONA, USA, August 3, 2023 — The Nonprofit Alliance of Consumer Advocates is proud to announce its successful assistance to Steven Tuthill, who was facing financial hardship due to the COVID-19 situation, in securing a free loan modification that enabled him to keep his home. With a genuine commitment to helping individuals like Steven overcome their mortgage challenges, N.A.C.A’s unwavering dedication has once again made a difference in someone’s life.

Steven Tuthill, a valued homeowner, found himself in a precarious financial situation when he fell $55,087.99 behind on his mortgage payments, which carried a 6.125% interest rate and a monthly burden of $1,125.60. The lender placed him under a sale date of 03/28/23, threatening the possibility of losing his home – a place filled with cherished memories and dreams for the future.

Seeking a lifeline to save his home, Steven searched for nonprofit organizations that could assist with mortgage-related challenges. Upon discovering the Nonprofit Alliance of Consumer Advocates, renowned for its A+ rating with the Better Business Bureau and exceptional 5-star reviews on Google, he knew he was in capable hands.

The Nonprofit Alliance of Consumer Advocates swiftly sprang into action, working closely with Steven to gather all the necessary documents to challenge the imminent sale date. The team at the Nonprofit Alliance of Consumer Advocates expertly prepared a Zero-Out-Pocket cost loan modification package and submitted it to the lender, ensuring that the lender was held accountable for any discrepancies.

Months of dedicated efforts by N.A.C.A’s team culminated in a triumphant outcome for Steven. The sale date was successfully cancelled, and Steven was granted a loan modification with zero delinquent amount. Furthermore, his interest rate remained at 6.125%, but he now enjoys a new lower monthly payment of $1,091.13, alleviating the burden on his finances and providing a more manageable path to homeownership.

Steven Tuthill is filled with gratitude for the exemplary service provided by the Nonprofit Alliance of Consumer Advocates. He expressed his incredible thankful for the Nonprofit Alliance of Consumer Advocates. Without their expert guidance and support, I wouldn’t have been able to save my home. Their dedication and compassion are truly commendable.”

As a nonprofit organization committed to empowering consumers and safeguarding their interests, the Nonprofit Alliance of Consumer Advocates continues to be a beacon of hope for individuals struggling with mortgage challenges. Its success stories, like Steven’s, underscore the significant impact that organizations like N.A.C.A can have on individuals and families in times of distress.

For more information call 855-622-2435 (855-NACA-HELP) or visit www.NACALaw.org.

CALIENTE, CA, UNITED STATES, August 3, 2023 — In a heartwarming success story, Jennifer Jackson, an Oregon resident, was facing the imminent threat of foreclosure on her beloved home due to unforeseen health issues and the financial strain of the COVID-19 pandemic. Thanks to the timely intervention of the Nonprofit Alliance of Consumer Advocates (N.A.C.A), Jennifer can now breathe a sigh of relief, as they stepped in and prevented the foreclosure, securing a brighter future for her and her family.

Jennifer had fallen behind on her mortgage payments by two years, with a delinquent amount of $28,697.73, and was grappling with a monthly payment of $1304 at an interest rate of 3%. As a result of her health challenges, which rendered her disabled for several months, she found herself struggling to make ends meet, leaving her unable to meet her mortgage obligations. The lender set a foreclosure sale date for March 23, 2023, pushing Jennifer to the brink of selling her house in desperation.

In a stroke of luck, Jennifer stumbled upon the Nonprofit Alliance of Consumer Advocates while searching online for assistance 16 days before the foreclosure. The organization’s impeccable reputation, backed by glowing 5-star reviews and an A+ BBB rating, encouraged her to reach out for help.

N.A.C.A’s team of experienced and dedicated volunteer advocates swung into action on Jennifer’s behalf. They worked tirelessly to gather all the necessary documents and promptly submitted a comprehensive loss mitigation package to the lender. Their advocacy efforts included firm demands for the foreclosure to be canceled, leveraging open communication channels with the lender.

The outcome of their relentless efforts was nothing short of miraculous. After four months of dedicated work, the Nonprofit Alliance of Consumer Advocates successfully negotiated a zero-out-pocket cost loan modification for Jennifer. The loan modification not only cleared her delinquent amount but also preserved her original monthly payment of $1304 and retained the favorable interest rate of 3%.

Before the intervention by N.A.C.A, Jennifer was on the verge of selling her cherished home to pay off the mounting debt. Now, with the nonprofit’s intervention, she can continue to call her house a home.

“I am overwhelmed with gratitude for the assistance I received from the Nonprofit Alliance of Consumer Advocates. They were my saving grace during one of the toughest times of my life,” said Jennifer, who is now relieved and overjoyed to retain her home.

The Nonprofit Alliance of Consumer Advocates continues to transform lives and provide much-needed relief to homeowners facing financial hardships. Their mission to help consumers overcome mortgage challenges has had a profound impact on countless families like Jennifer’s.

For more information about the Nonprofit Alliance of Consumer Advocates and the exceptional services they provide, please visit www.NACAHelp.org or call 855-622-2435.