Recently we helped a client who was in a very difficult situation – he was trying to stop the foreclosure process threatening his home, while at the same time caring for his ailing wife who is terminally ill. Doloroso Dumlao was being forced to choose between spending his last days with his wife and using all of his time filling out forms and coming to our office. Calls to his lender, Citimortgage, seemed to be ineffective – I spent hours going around in circles just trying to get representatives to understand that his wife was physically unable to sign a power of attorney, affidavits, or any of the loan modification application forms due to her illness. We were trying to help Mr. Dumlao avoid having to file Chapter 13 bankruptcy, as the mortgage was his only real debt.
After contacting several different people at Citi, in the financial services industry, and in the media, we received the good news this morning that Citi had temporarily halted the foreclosure process and would continue processing Mr. Dumlao’s loan modification and other loss mitigation options, allowing him to rest easy with his wife for the last days of her life. The news story is here by Tim Sakahara of Hawaii News Now.
Bankruptcy is not always the best, or even the only option. We firmly believe that quality bankruptcy attorneys will explain and help you pursue all of your options – not just the ones you think might work. We are hopeful that the Dumlaos will be able to have peace during the next few weeks as they struggle through this stage of their lives. We wish them our best and stand by ready to assist should the need arise. If you or your loved ones are in financial distress and want to discuss options, please feel free to contact our office to set up a free consultation.