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Below you will find some information about LSA that may help you make a more-informed decision before you decide whether or not you would like to become an investor. Please feel free to download the following information. If, after reviewing our materials, you decide you would like to donate, please click on "Donate" to the right on this page. We appreciate your time and consideration.
Fulfilling our Mission: Making a Difference
Housing - Foreclosure Intervention
CJ fell behind on her mortgage payments. A mortgage company foreclosed on her house and told her to leave. The mortgage company was so eager to get her out quickly that it filed the wrong kind of lawsuit. Because of the wrong lawsuit, LSA was able to get the court to dismiss the suit. Instead of filing the proper lawsuit, the mortgage company appealed to the Alabama Supreme Court. While LSA was writing a brief explaining why the circuit court had acted properly, CJ received a call from the Veterans Administration (VA.) The caller told CJ that it owned the property. After checking to see when the mortgage company had transferred the property to the VA, LSA filed a motion to dismiss the mortgage company’s appeal, since it did not own the property when it filed suit. Realizing that it had no right to sue CJ, the mortgage company dismissed the appeal. CJ is now able to stay in her house until the VA decides what to do.
Family - Spouse & Child Protection
L was referred to Legal Services Alabama by the Penelope House to assist her in obtaining a divorce and custody of her minor child. L and her husband were married in Jamaica in 2007. To lawfully come to the United States, L had to remain in Jamaica for a short time before living with her husband. During that period, she was raped and became pregnant with her son.
After the child was born, the husband became abusive and violent. The physical and verbal violence continued to worsen. L filed criminal charges against her husband, but had no sense of real safety. L’s minister recognized the violent nature of her circumstances and brought her to LSA to obtain a divorce for her.
LSA was able to get L a divorce, protection order, and sole custody of the minor child. L is now able to rebuild her life in an environment without abuse — making a safe and better future for her son.
Elder - Nursing Home Assistance
When she turned 86, RS’s health was so bad that she needed to enter a nursing home. Acting on RS’s behalf, SC, a relative, filed a Medicaid application and put RS’s home up for sale through a real estate agency. The Alabama Medicaid Agency approved the application.
Months passed without anyone expressing an interest in the house, which needed considerable repairs. The realtors suggested dropping the price, and SC agreed. Even then, there was little interest. Finally, someone made an offer for an amount significantly less. The real estate agents said that they thought that was the best price they could get, and SC agreed to the sale. Much of the proceeds from the sale went to the Alabama Medicaid Agency.
Because the sales price was considerably less than the last assessed value for the house, the Medicaid Agency told SC that its rules required it to consider the sale a fraudulent transfer. It said that this made RS ineligible for Medicaid for many months.
With help from Legal Services Alabama, SC requested a hearing at which the real estate agents testified that they had sold the house for the best possible price. The hearing officer found that SC and the agents acted in good faith and sold the house for what they believed to be its fair market value. Unfortunately, the hearing officer and the Medicaid Agency found that their good faith belief did not matter, and that the regulations required that RS be penalized.
LSA filed suit to challenge the decision as unreasonable and contrary to law in light of the good faith efforts of SC and the real estate agents. Because of the good factual record LSA helped develop and the good legal arguments, the court found that RS was entitled to remain on Medicaid without any penalty. She was able to stay at the nursing home and receive the care that she needed.