South Carolina Homeownership and Employment Lending Program – SC HELP

Are YOU a Homeowner who is Facing Foreclosure Due to:

Unemployment,

Underemployment,

Reduction in Self-Employment Income,

Death of Spouse,

Catastrophic Medical Expenses, or

Divorce?

If so, there may be help for you via SC HELP, see SC HELP Flyer.

Monthly Payment Assistance:

  • makes monthly payments while you are seeking employment and a return to self-sustainability

Direct Loan Assistance:

  • pays up to $20,000 on past due mortgage to bring it current

Property disposition assistance:

  • provides $5,000 to help transition families from homeownership to rental housing if:

1. Application with SC HELP completed FIRST
2. Permission for short-sale or deed-in-lieu of foreclosure granted
3. Money distributed AFTER execution of deeds completed

South Carolina has been awarded, $295,431,000 in funding from the U.S. Treasury Department’s Hardest Hit Funds to prevent mortgage foreclosure.

SC Housing Corp., a non-profit Division of the South Carolina State Housing Finance and Development Authority is administering the Program, known in SC as the South Carolina Homeownership and Employment Lending Program or SC HELP.

South Carolina Legal Services (SCLS) is one of the housing processing agencies for SC HELP.  SCLS assists homeowners who are at risk of foreclosure gather and submit the required documents to be approved for mortgage assistance through SC HELP.

The list of documents can be found here – SC HELP Required Documents List

There are no income requirements for SC HELP and all services are free to the homeowner.

SC HELP will not pay any more than $20,000 on the arrearages.

SC HELP may approve payment of the $20,000 but the actual payment will not be made until SC HELP has verification that the homeowner can pay the balance of the arrearages or that it has been forgiven by the lender or it has been placed at the end of the mortgage.

The requirements for the property disposition assistance program should be carefully reviewed.

NOTE: A homeowner is not eligible for this program if the property has already been sold at foreclosure.

Homeowners may call South Carolina Legal Services toll-free at 1-888-257-1988 Or 1-855-HELP-4 SC

Homeowners may also submit an application at www.SCMORTGAGEHELP.com

For more detailed information about SC HELP, please see Information Flyer

For more information about SC Legal Services, please see SCLS General Brochure

~RFW

February 2012 Newsletter

We are pleased to share our latest newsletter.

SCATJC February2012

If you have questions, please feel free to email me.

~RFW

Celebrate Pro Bono: Ashley Cole

As part of Celebrate Pro Bono 2011, we are highlighting pro bono legal service in South Carolina.

Meet ASHLEY COLE, 3L at the University of South Carolina School of Law.

Ashley Cole

Ashley became involved in pro bono when she saw flyers posted during her first semester of law school about the Guardian ad Litem program. Instead of signing up immediately she waited until her second semester and began talking with Pam Robinson (USC School of Law Pro Bono Director) about that particular program.  Ashley recalls “I was so excited because she remembered me even after the first time I spoke with her.  She signed me up for Pro Bono announcements.  I participated in the Guardian ad Litem training course, and it was “all she wrote” after that.”

She’s been participating in the law school’s pro bono program for 2 years now; serving on the board since her 2nd year of law school.

While Ashley continues to serve as GAL, she also stays involved in a lot of projects. 

Right now, we’re gearing up for our semester food drive for Harvest Hope.  It’s my job to get my classmates involved because we have a competition between the three law classes.  I want the 3Ls to win this year!  We’re kicking-off the food drive with a “It’s Not a Crock Pot” soup lunch to raise awareness for hunger.  I’ll be entering a soup in the contest on behalf of an organization I’m involved with.

Also, we’ve been hosting a “Good Deed Friday” project about once a month where students who are involved in Pro Bono get together with students from other law organizations to perform community service in and around Columbia. 

This semester, we kicked-off a new program called “Carolina Clerks” that allows attorneys with a pro bono case to obtain assistance from a USC Law student.  That program is wonderful because it provides help to the attorney while simultaneously providing experience to a law student who is eager to learn.

When asked about how she first became involved in these multiples projects, she noted “We host the food drive every semester, so that’s an easy Pro Bono opportunity for everyone.  Mostly, I learn about projects through my activities with the Board Members and Pam.  In fact, every time I walk into Pam’s office, she’s always telling me about the new ideas she has, and it’s wonderful that she’s so creative.”

Ashley’s passion for pro bono doesn’t stop there.

One semester, I participated in a “Pro Bono and Jelly” hunger awareness bake sale during the food drive.  We encouraged students and faculty to bring their lunches and donate the money they would normally spend eating out to Harvest Hope.  I have also visited retirement centers with other volunteers to sit down and talk with senior citizens about their legal needs.  We fill out surveys to identify how the legal community can best serve this group of people.   Additionally, this summer I worked with South Carolina Legal Aid as a public interest law clerk, so I stayed on this semester as a volunteer.   Our Pro Bono program has close ties with that office because they serve the public.

 I performed a lot of community service in high school and during my undergraduate career, so it seemed silly not to continue doing good things for others when I started law school.  Admittedly, it’s a lot more difficult during your first semester to get involved, but once I settled in I wanted to find out what I could do.  Pro Bono opportunities have provided me with a lot of hands-on legal experience.  I’m so thankful for the program, and I really enjoy working with students and people in our community.  I really believe that one of my responsibilities in this profession requires me to give back some of my time to people who really need it.  A lot of people don’t understand our judicial system, so law students and practicing attorneys should aspire to reach out to them and make the experience as helpful as possible.

When asked about whether she experienced any surprises with her pro bono work, Ashley reflects “I wouldn’t say I have had too many surprises.  I think becoming a GAL was a little overwhelming at first, though.  My first case was difficult for me because it was hard to believe that children, right here in Columbia, are abused and neglected every day.  We see these things on TV, so it was almost surreal to experience it first hand.  However, it was rewarding to stand in front of a judge in Family Court and have my final opinion heard and implemented.”

I asked Ashley about what she had learned from her pro bono service:

From my pro bono experiences, I have learned quite a lot about who I am, who I want to be, and what kind of law I think I might pursue.  For example, I learned that family law is more difficult because of the emotional element that’s always present when you speak to a client or work with family members.  Pro bono work has taught me patience and understanding.  When you realize that you have to explain legalese to someone who may or may not have graduated from high school, your perspective changes and you realize how valuable your services are to the clients you serve.  I have also learned how fortunate I am, and I’m thankful for the experiences I have had.

And pro bono service is not a new concept for Ashley. She recalls that “I have always believed that it is important for each person to serve the communities in which we live.  It’s so valuable to give back what we take.  Pro bono service really changed my view of the law because now I understand what it is like to see it from a regular person’s perspective.  By “regular person,” I mean someone who has not studied the law, someone who may not be aware of what his or her rights are in our country, and someone who can only tell me a story, not a particular legal issue.  That’s why I think pro bono service is so important because it’s one of a lawyer’s professional duties to give back to society.”

I asked Ashley if she had any thoughts about pro bono service that she wanted to share with her fellow law students. Her response was thoughtful and frank:

I think that pro bono speaks for itself.  Truly, a person only needs to get involved in one pro bono program to experience the joy and pleasure of doing good things for other people.  Everyone has a little time to sacrifice, and it only takes one project or one client to keep a law student engaged and active in pro bono work for life.

She remains an active pro bono volunteer at SC Legal Services volunteering three hours a week as a law clerk. She has high esteem for the SC Legal Services attorneys noting that they are “fabulous, and they work hard for their clients.  I have learned a great deal from them and could not be more thankful for the experience I have had there.  They have taught me so many things that classroom lectures don’t quite touch on in law school.”

Is Ashley’s pro bono going to continue into her law practice?

Most definitely.  I think I would be doing a disservice to myself and my community by not engaging in pro bono work.  

That is music to my ears. We are lucky to have have such dedicated young attorneys and law students who cannot imagine their profession without giving back.

Stay tuned as we highlight them throughout this week!

~RFW

Focus on Pro Bono: Celebrate Pro Bono 2011

I’m very proud to don this logo on the SC Access to Justice blog. For the past three years, the American Bar Association has hosted this powerful, national event highlighting the importance of pro bono legal services around the United States.

In South Carolina, we’re proud to highlight some of the work in our own backyard. Throughout the remainder of Celebrate Pro Bono 2011, you’ll be able to learn how South Carolina law students and practicing attorneys interpret pro bono legal services and put it into action.

Many thanks to the American Bar, probono.net and the thousands of attorneys and law students who are celebrating pro bono this week!

~ RFW

LSC President Sandman Discusses Pro Bono

In case you missed it elsewhere, LSC President Sandman discusses pro bono and its importance to legal services programs.

He also discusses the limitations of legal services organizations and the great value of law firm and corporate pro bono participation. Well worth watching!

Tip of the hat to Cheryl Zalenski at the ABA Center for Pro Bono who tweeted this. Thanks for the heads-up.

-RFW

Reporting Your Pro Bono Hours

Seeking Comments from South Carolina Attorneys!

The South Carolina Bar Pro Bono Committee and the South Carolina Supreme Court Access to Justice (SCATJ) Commission are seeking input on proposed changes to Rule 6.1 of the Rules of Professional Conduct (SCACR 407).

This rule concerns the provision of pro bono service to individuals of limited means or public service/charitable organizations. The proposed changes include the creation of a reporting mechanism for pro bono hours and a requirement that those hours be reported to the Bar.

Pro bono participation remains voluntary.

Click here to view the proposed changes to the rule. Should Rule 6.1 be amended in the future, the Bar would provide additional information to facilitate the reporting.

Please send comments on the proposed changes to Cindy Coker, Public Services Director or Stuart Andrews, Vice- Chair of the SCATJ Commission.

Comments should be received no later than Friday, November 5.

Fall 2010: Law School for Non-Lawyers

Law School for Non-Lawyers

It’s BACK TO SCHOOL time and not just for kids!
You can go back to school too, via the SC Bar’s Law School for Non-Lawyers course.
The program is a 7-week Law School for Non-Lawyers course covering a variety of general legal subjects. The registration fee is $45 which includes course materials.

Covered topics include:

  • Overview of State Courts
  • Alternative Dispute Resolution
  • Family Law
  • Juvenile Justice
  • Child Protection Hearings
  • Wills, Estates and Probate Law
  • Health Care and Elder Law
  • Bankruptcy Law
  • Consumer Law and Debt Collection
  • Real Estate and Landlord/Tenant Law
  • Employment Law
  • South Carolina Workers’ Compensation Law
  • Criminal Law
  • Torts

The following courses are currently scheduled:

Trident Technical College

Offered every Tuesdays from 6:00 p.m. to 9:00 p.m.

September 14, 2010 through October 26, 2010

7000 Rivers Avenue, N. Charleston

Building 910, Room 123

To register, call 843-574-6152 or visit www.tridenttech.edu

HURRY, Registration ends September 7th

Horry/Georgetown Technical College

Every Monday from 6:00 p.m. to 9:00 p.m.

Beginning September 20, 2010 through November 1, 2010

743 Hemlock Dr., Myrtle Beach

Building 200, Room 136

To register, call 843-477-2020 or 843-349-5363 or visit www.hgtc.edu

HURRY, Registration ends September 14th

For any other questions or concerns you have, please contact Debbie Morris at dmorris@scbar.org or 800-395-3425, ext. 158.

The Law School for Non-Lawyers is made possible through an IOLTA grant from the SC Bar Foundation.