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

Guess

What do Harvest Hope and SC foreclosures have in common?

If you guessed that South Carolina has seen a marked increase in foreclosures and requests for food have markedly increased, you win!

According to the Columbia Regional Business Report (CRBR):

South Carolina’s foreclosure rate from July to August 2009 was up 1.94%, reported national real estate tracking company RealtyTrac.com. That number is more than 78% higher than it was one year ago.

According to Harvest Hope:

In the first quarter of 2009, Harvest Hope experienced a 142%  increase in the number of families needing assistance.

Earlier today I attended a fundraiser luncheon for Harvest Hope. It made me focus on how the problems faced by so many living in poverty are faces of our neighbors, our friends, our loved ones.

The “featured” speaker at the luncheon was someone who had been working – two jobs. Two good, solid jobs. Then she got ill. Which started the medical bills and absence from work. Which caused her to lose her jobs. Both jobs. The bills kept coming. When it came to paying bills, she used her money for medical bills and medication. Then she lost her home. She stopped eating so much. That made her sicker. Then she found Harvest Hope.

She was able to eat.

The doctors are still trying to figure out what is “wrong” with her. In the meantime, she can eat. Without Harvest Hope and the necessary nutrition it provides, she would be even more sick.

While these societal problems may not be legal, I guarantee that the Legal Aid Telephone Intake Service (LATIS) has been referring people to Harvest Hope.

And once people have nutrition and can think about something other than an empty belly, then they may call LATIS for assistance with a problem with their Landlord. Or maybe for help with their Medicaid benefits. Or help with a way to escape their abusive spouse.

-RFW

8.24.09 Ask-A-Lawyer: Nosy’s Report

8/24/09 Ask-A-Lawyer Call Center at WLTX
8/24/09 Ask-A-Lawyer Call Center at WLTX

On Monday Night, WLTX became ground zero for ASK-A-LAWYER. We arrived in time to start and learned that the calls had started as early as 4:30 p.m. Once we were shown our call-center, we started answering phones “Ask-A-Lawyer, how may I help you?” while our web counter-parts began their online-duty.

Jeff Goodwyn answers questions at WLTX Ask-A-Lawyer
Jeff Goodwyn answers questions at WLTX Ask-A-Lawyer

The 6 on-camera attorneys were Cynthia A. Coker, T. Jeff Goodwyn, Edna Primus, Jennifer W. Rubin, Tana Vanderbilt and Robin F. Wheeler.

Cindy Coker, SC Bar Public Services Director
Cindy Coker, SC Bar Public Services Director

The phones were ringing non-stop. WLTX graciously provided us with water and chocolate; both of which were appreciated. Darci Strickland and Andrea Mock interviewed us during the session and helped us maintain our energy with their enthusiasm. And at the end of the evening, JR Berry dropped by to thank us for our hard work.

Edna Primus and Tana Vanderbilt field questions
Edna Primus and Tana Vanderbilt field questions

Caller Origin:

  • 18 of my 30 calls originated from Richland County;
  • 1 from Fairfield;
  • 1 from Florence;
  • 1 from Greenwood;
  • 2 from Kershaw;
  • 3 from Lexington;
  • 3 from Orangeburg; and
  • 1 from Sumter.

Mind you, I had 30 calls total in a 2 1/2 hour span and I even took a moment off the phones for an interview.

Caller Issues:

  • 6 questions about Divorce/Alimony
  • 5 Child Support/Child Custody and Visitation/Adoption
  • 4 Consumer Law including Bankruptcy
  • 3 Wills and Estates
  • 2 Employment
  • 2 Medical Malpractice/Health Care
  • 1 Social Security
  • 1 Landlord/Tenant
  • 1 Homeowners Associations
  • 1 Immigration
  • 1 Traffic Laws
  • 1 question about Taxes; and
  • 2 non-legal questions.

Ask-A-Lawyer also included the “web-chat” piece. Three attorneys (Peter M. Balthazor, K. Cameron Currie, and Jennifer L. Locklier) fielded web questions during the same time.

All in all, it was a busy time, but I enjoyed every caller and hope that they felt that they had received a worthy service from us. I will DEFINITELY do this again.

Thanks to SC Bar staff Deborah Morris who coordinates the event, Joey Heape who insures that the web equipment functioned properly, and Elizabeth Martin who popped in for a few photos.

And special thanks to our host station, WLTX. You helped us make this a success!

-NOSY WHEELER

LATE PS – I wish I had asked the name of the camera operator at our station because he was an absolute delight. When he saw us running out of water, he brought the new bottle to us. Thank you Camera Operator!

Tune In TONIGHT and Tomorrow Morning

The Big Picture is once again featuring a topic of interest to South Carolinians in the civil justice community. This week’s topic is The Working Poor.

For the program, Mark Quinn, the host of The Big Picture, interviewed prestigious guests such as Rep. Gilda Cobb-Hunter, Sue Berkowitz of SC Appleseed Legal Justice Center and Dr. Adolphus Belk of Winthrop University.

TV Air Date: TONIGHT: Thursday – August 06, 2009 at 7:30 pm

Every Friday morning “The Big Picture on the Radio” airs on ETV Radio. Discussion focuses the television topic of the week amongst other timely subjects. Be sure to check ‘The Big Picture’ homepage each Friday afternoon to tune in live starting at 1:00 p.m.

TV repeats of Thursdays broadcast will air each Saturday at 7:30 p.m. and again on Sunday at 1:00 p.m.

-RFW

5 States Receive ProBono.Net Award

What do Georgia, Idaho, Kentucky, Minnesota, and New York have in common?

Sounds like the start of a joke, but it’s not. If it were, they would be laughing all the way to the bank.

Instead ProBono.Net has awarded these five states’ legal services organizations developing innovative online document assembly projects through its NPADO Demonstration Project.  The projects address legal issues including foreclosure, criminal expungement and the needs of the Spanish-speaking community.

To read more, click here.

Congratulations!

-RFW

Follow-up: Protecting Tenants at Foreclosure

At the beginning of the month, guest blogger Lil Ann Gray, an attorney with the South Carolina Department of Consumer Affairs, wrote a post on the Protecting Tenants at Foreclosure Act. It has been an extremely popular and timely post for the SC Access to Justice Weblog.

Well, today I saw that  HUD had submitted guidance on June 18, 2009. Here is the link to their guidance.

Additionally, the South Carolina Department of Consumer Affairs has been very proactive with their own guidance here. And, please take a few moments to check out their blog at http://consumer.thestateonline.com/. It has helpful tips for South Carolina consumers!

Thanks Lil Ann, the SC DCA, and HUD.

-RFW

And thanks to @eppink and @accesstojustice for pointing us toward this.

SC Appleseed in the NEWS!

Another SC Access to Justice Commissioner has news or should I say is IN the news today. Sue Berkowitz, the SC Appleseed Legal Justice Center Executive Director, was quoted in the prestigious Wall Street Journal.

Sue B - doing what she does best

The story? Numbers on Welfare See Sharp Increase. Excerpt from the story:

Twenty-three of the 30 largest states, which account for more than 88% of the nation’s total population, see welfare caseloads above year-ago levels, according to a survey conducted by The Wall Street Journal and the National Conference of State Legislatures. As more people run out of unemployment compensation, many are turning to welfare as a stopgap.

South Carolina is one of the “leading” states – in which welfare cases have increased from +10% to +30% over last year’s rates. Other states with sharp increases include California, Colorado, Florida, Maryland, OhioOregon, and Washington.

~~~~~~~~~~

On another note, we noted that the SC Appleseed Legal Justice website has a new look too. And we like it!

-RFW