Marci was your typical Pikesville mother of two. She and her husband were a young and vivacious couple. He worked in the same job for 14 years and she taught English at a local college. She had just opened a new business when the family was struck by the hardship of the economic downturn.
“My husband lost his job,” says Marci. “I had just undergone a botched surgery and was very ill, requiring multiple hospitalizations. We never even saw a service charge on our credit cards and now we were falling behind on all of our payments.”
Marci says through our community’s human services providers she was able to receive immediate cash assistance to pay the electricity bills, the mortgage and buy food. Her husband was helped to find temporary employment until he could re-enter his field.
Ultimately, however, the family would lose their home if they did not receive a mortgage modification as they had already received a first letter informing them of foreclosure. They were referred to CHAI: Comprehensive Housing Assistance, Inc.
The mortgage modification process is long and arduous. Marci reminisces about how she would turn in paperwork and the mortgage company would lose it and she would have to start all over again. There is a lot of red tape, confusing documentation and stress involved.
“We worked with Dodi at CHAI,” says Marci. “She helped us navigate the system. She was incredible.”
Marci sent all of her paperwork to Dodi to help process. Dodi would review the documents to ensure they were correct so that no time was lost. She would also submit the paperwork and keep backup copies in her office in case the mortgage company came back with any questions. She was the company’s primary contact, alleviating a lot of the family’s already intense stress.
“I could not have done it without CHAI,” says Marci. “It is so comforting to know our community has this safety net when you need it. There is no judgment; they are just there to help.”