Ua hana ikaika ʻo Gwendolyn Frazier a me kāna kāne i ko lāua mau ola a pau a ua uku i ka moraki ma ko lāua home ʻo Elyria. Ua lawe kāna kāne i kahi hōʻaiʻē consolidation me OneMain Financial, akā ua uku lākou i kā lākou mau bila.
Ua hala aku kāna kāne i ka makahiki 2013. Ma hope o kēlā, i ka wā i hele mai ai ka leka uila iā ia, hōʻailona ʻo ia iā ia "ua make" a hoʻihoʻi mai - me ka leka uila mai
CitiFinancial. ʻAʻohe āna ʻoihana me CitiFinancial a manaʻo ʻo ia he leka uila ʻino. ʻAʻole ʻo ia i ʻike pili iā OneMain
CitiFinancial, a hiki i ka
Ua hoʻouna ka panakō i kahi leka i hōʻoia ʻia me nā pepa paʻa.
"He mea kaumaha loa ia," wahi āna. "ʻAʻole wau he kanaka e noho nei a ʻaʻole e uku i kaʻu uku. ”
Kāhea ʻo ia a kāhea a kāhea aku no nā mahina, akā ʻaʻole i loaʻa ka ʻike e pili ana i ka uku ʻana i ka hōʻaiʻē. Ua hoʻopaʻa ʻia ka home i ka makahiki 2014 a ma kahi hoʻokolokolo kelepona, ua haʻi ka luna kānāwai iā ia he "luʻi ʻole" no ka mea ʻaʻole i kapa ʻia ʻo ia ma ka hōʻaiʻē.
Ua ʻimi ʻo Ms. Frazier i ke kōkua mai ke Kokua Kānāwai. Ua ʻae ka loio manawaleʻa ʻo Kathleen Amerkhanian o Kryszak & Associates e lawe i ka hihia pro bono. Ua aʻo ka loio kōkua kānāwai ʻo Marley Eiger i ka mea manawaleʻa Amerkhanian ma nā kānāwai Consumer Finance Protection Bureau (CFPB) e koi ana i ka panakō ʻaʻole e ʻae wale i nā uku mai ka "mea hoʻokō-in-interest" akā e hāʻawi pū i ka ʻike e pili ana i nā manaʻo a me nā koho hoʻololi i ka hōʻaiʻē. .
“Ua haʻi aku ʻo Ms. Pono ʻo Frazier i loio e hoʻoponopono i ka hihia ma ke ʻano he hihia pili kānāwai a hāʻawi i kumu no ke kumu e nānā ai lākou i ka hoʻēmi ʻana i ka poho,” wahi a Ms. Amerkhanian. "Ma ke kau ʻana iā ia ma nā ʻōlelo kūpono, ua ʻike ka ʻaha." Ua loaʻa iā Ms. Amerkhanian ka hihia ma waho o ka paʻa. Ma ka uwao, ua kuhikuhi ʻo ia ʻaʻole i hoʻokō ka panakō i nā lula CFPB federal. Ua kōkua ʻo ia iā Ms. Frazier e hōʻuluʻulu i nā palapala a pau e pono ai - a hiki i ka manawa i hāʻawi aku ai ka panakō i kahi hoʻolālā kūpono.
Mahalo i kāna loio manawaleʻa, ua hoʻokuʻu ʻia ka paʻa i ka hoʻomaka ʻana o 2016.
"ʻO ka hiki ke hana i ka hopena ma luna o kekahi e makemake nui ana i kāu kōkua he mea maikaʻi loa ia," wahi a Ms. Amerkhanian. Ke lawe ʻoe i kahi hihia mai Legal Aid, nui ke kākoʻo. Ua hāʻawi ʻo Marley Eiger i ka ʻike he nui a hāʻawi i kona ʻike, a he mea waiwai loa ia.
"Ua ʻike ʻole ka mea hāʻawi kālā i ke kānāwai, ʻaʻole i manaʻo i ka paʻakikī koʻikoʻi o ka mea nona ka hale a hoʻāʻo ʻo ia e sabotage iā ia," wahi a ka loio Kokua Kānāwai ʻo Marley Eiger. "ʻAʻohe mea maʻalahi a maʻamau paha e pili ana i kēia hihia, akā hoʻomau ʻo Kathleen."
Mahalo i ke Kokua Kānāwai, palekana ka home o Ms. Frazier a hiki iā ia ke leʻaleʻa i kāna mau leʻaleʻa o ka kuke ʻana a me ka hāʻawi manawaleʻa ʻana ma kāna hale pule. A ʻo ka mea nui loa - hiki iā ia ke mālama i kona ʻohana ma kona home me ka hopohopo ʻole.
Kākoʻo ʻia ka hana a Legal Aid no ka mālama ʻana i ka malu ma Lorain County e ka Nord Family Foundation a me ka Community
Hoʻokumu o ke Kalana ʻo Lorain.