Legal Aid of North Carolina

The Mortgage Foreclosure Defense Team decided to present the award to Hopper as they reviewed her cases and realized  how much of herself she puts into each foreclosure case, often going beyond her job description. When compiling client stories, the MFP Team noted many of Hopper's cases were considered due to her remarkable success. 

Below is one of Hopper's cases which was also included in the presentation to the NC General Assembly presentation.
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Case:  D. W. (Alamance County)

Mr. W contacted LANC after he had been served with a notice of foreclosure shortly before the hearing in January 2006. He and his wife had refinanced a home that was purchased in the 1960s. This elderly client believed that he was current and did not want to lose his Alamance County home of 40 years in which he was now raising his three grandchildren.

After determining that the lender had improperly calculated the interest charged to Mr. W's account, LANC disputed the validity of the debt and default. LANC ultimately negotiated a modification allowing Mr. W to keep his home. The modification reduced the principle balance by $24,000, fixed his interest rate at 6%, and reduced the monthly payment from $359 to $206.

After LANC successfully negotiated a modification for Mr. W, we continued to work so that he could become eligible for a Rehabilitation Grant offered by the City of Burlington. LANC assisted in this process by cleaning up the title to his home as previous lenders had not filed certificates of satisfaction after their loans had been paid in full.  LANC worked with the lenders to ensure that the proper documents were filed. Once the title was cleaned up, the City of Burlington relocated Mr. W's family for three months while they demolished his home and built him a new home. The grant will pay off the existing mortgage, and Mr. W will not have to repay the grant during his lifetime.