Legal Help for NJ Veterans Facing Foreclosure

8182193807_5e94a5be52_z

As we honor those who served our country this Veteran’s Day, it’s important to know that there are thousands of homeless veterans in our country. Furthermore, there are over a million veterans who are in danger of facing foreclosure in the near future.

Why are so many veterans homeless?

This question is a good one, because many people in New Jersey and across the nation simply do not understand that so many veterans are struggling. The reason most homeless veterans lose their homes is due to a lack of affordable resources. Those veterans who are struggling financially need legal assistance to save their homes.

Sometimes, a veteran may face a seemingly smaller legal issue like the loss of a driver’s license. Studies show that veterans who lose their driver’s license end up with snowballing financial problems due to difficulty navigating the legal system in order to get their licenses restored. This leads to job loss due to the veteran not having a reliable way to get to work, which then in turn often leads to the loss of their home via foreclosure.

What assistance is available to struggling or homeless New Jersey veterans?

Across New Jersey, people are taking action to help homeless NJ vets. In South Jersey, a project entitled Operation Safehouse has volunteers building 60 cabin-like homes where veterans can live for up to two years while they are also given access to mental health assistance and work skill training so that they can eventually support themselves and move into their own permanent homes.

A similar program in Central Jersey, Community Hope, has been providing veterans with temporary housing for over a decade now, with an outreach program (Supportive Services for Veteran Families [SSVF]) in 15 NJ counties. Even though Community Hope helped over 750 veterans avoid homelessness last year and other programs like Operation Safehouse are popping up throughout the state, the number of  NJ veterans who are struggling continues to rise.

Veterans who fought the war on terror after 9/11 are feeling the effects of their time in combat and are dealing with severe PTSD that is preventing many of them from staying gainfully employed. Additionally, many post-9/11 vets living in New Jersey were so traumatized by their time on the front lines that they even struggle with keeping friendships and families together.

While the community organizations like Operation Safehouse and Community Hope are doing all that they can to support the emotional and physical needs of veterans, there is still a need for legal assistance that many NJ veterans simply can’t afford.

Are there any government programs or special considerations for veterans at risk?

If you are a veteran and you are at risk of losing your home to foreclosure, take the time to reach out to NJ foreclosure defense attorneys who are ready and willing to help you. Also, do your research on the special rules and exemptions you may qualify for as a US veteran.

You may be able to save your home from foreclosure if you’ve been able to maintain your employment but are still struggling with heavy debts that you simply can’t keep up with. In New Jersey, your VA benefits are exempt from the bankruptcy means test. This gives veterans a leg up when applying for bankruptcy in NJ.

In fact, in New Jersey, many disabled veterans are excused from even taking the means test. Filing for bankruptcy will push the pause button on your foreclosure, if you’re dealing with one, giving you time to formulate a plan that works for your current financial situation.

Image credit: S. AR University

 

Advertisements

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

%d bloggers like this: