2019 Foreclosure Prevention Success Story

Christopher has a heart of gold. He works full time as an assistant teacher at Positive Outcomes Charter School and runs afterschool activities for children at the People’s Place Homeless Shelter. Although Christopher technically lives alone, his home is rarely empty. Over the years, he has regularly taken in children off the street and from the shelter.

Christopher became an NCALL client in 2010 when he purchased his home. A few years ago, he faced several unexpected financial hardships that led to a potential foreclosure. “It was one thing after another and I reached a point where I could not get ahead. It felt like I was drowning and doing everything I could to keep my head above water,” Christopher said. “I tried so hard to keep up, but eventually I fell behind on my mortgage payments. When I reached the point of foreclosure, I was devastated.”

Christopher said the thought of losing his home was terrifying and he decided to contact NCALL. “I was embarrassed to call NCALL at first. They did so much to help me purchase my home. I didn’t want to tell them that I might lose it,” he said. “They didn’t judge me and I realized I had nothing to be embarrassed about, they were glad I called and wanted to help.”

NCALL scheduled a meeting for Christopher with a Foreclosure Prevention Counselor. She described the multiple options to help him keep his home and they worked together to decide which plan was best for his situation. Christopher expressed his appreciation for his counselor treating him as an individual. “Everyone’s situation is different and what works for one might not necessarily work for another,” he said.

Christopher said he was especially nervous about mediation. He called his counselor for advice and she asked if she could go with him. “I can’t tell you how much it meant to have her in my corner, especially knowing she wasn’t required to be there,” he said. “She was there to help me through something very stressful and scary for me.”

In the end, Christopher was able to keep his home. He said it wasn’t easy; it took a lot of hard work, budgeting and determination. “I am in such a better place now. I am doing great financially, the stress is gone and I am happy,” he said. “I am able to keep up with the mortgage payments and my bills, and it’s a good feeling.”

Feeling relieved, Christopher has advice to anyone going through a similar situation, “Speak up! There are resources available to help you. Don’t ignore the problem and hope it goes away, that will only make it worse,” he said. “You might feel embarrassed, but suck it up. Call NCALL; there is no judgement, and they will help you. Trust me, contacting them is the best decision I ever made.”