The bad news came straight out of left field. And for Jasmine (not her real name), it was terrifying. Three days before her home was scheduled to be auctioned off in a foreclosure sale, Jasmine received a surprising phone call — from someone offering to buy it before the sale. Jasmine had known she was at risk. She had fallen behind on credit card bills while caring for her ailing mother, and monthly payments on her adjustable-rate mortgage had soared in response to rising interest rates. But her husband had assured her all was well. He had hired a lawyer when the lender started foreclosure proceedings. Unfortunately, her husband moved out shortly thereafter and stopped paying the lawyer — without telling Jasmine. With no contact from her husband or the lawyer, the case had proceeded to setting a sale date. When Jasmine’s neighbor Gail (not her real name, either) heard about her financial crisis, she took her aside. We had handled Gail’s Chapter 7 bankruptcy proceedings two years earlier, and she immediately urged Jasmine to reach out to us. From Foreclosure to Fresh Start Saving a Home and a Budget With Chapter 13
GRILLED TERIYAKI FLANK STEAK
Inspired by TheShortOrderCook.com
INGREDIENTS • 1 1/2 lbs flank steak Marinade • 2/3 cup red wine • 1/2 cup soy sauce or tamari • 1/3 cup brown sugar • 1/4 cup sesame oil • 1 tbsp sesame seeds • 1 tsp minced garlic • 1/4 tsp black pepper • 1/4 tsp ginger powder • 1/4 tsp red pepper flakes (optional)
DIRECTIONS 1. In a large bowl, whisk together marinade ingredients. 2. Place the flank steak in a large, rimmed dish. Pour the marinade over the meat. 3. Refrigerate and allow to marinate for 15 minutes. Flip and let marinate for another 15 minutes. 4. Preheat grill to 400 F. 5. Add the meat to the grill and cook for 3–5 minutes on each side. Leave the grill lid open to avoid overcooking. 6. For a medium-rare steak, remove from grill at 130 F internally, and for medium, remove at 140 F. 7. Let the meat rest on a cutting board for 5–10 minutes. Then, slice against the grain into thin pieces and enjoy!
What’s the Good News? “Be strong and courageous. Do not fear or be in dread of them, for it is the Lord your God who goes with you. He will not leave you or forsake you.” DEUTERONOMY 31:6 A referral is the greatest gift we can receive from a client or fellow business! Last month we had ... • 31 referrals from friends, family, or previous clients • 7 returning clients for new matters • 9 referrals from other attorneys • 10 referrals from doctors and other professionals • We also send out referrals to our trusted referral partners! A Huge Thank-You to Our Referral Partners!
“They’ll listen,” Gail told her friend. “Call them.”
Fortunately, Jasmine took her advice. The next morning, we filed Chapter 13 proceedings on Jasmine’s behalf. Chapter 13 bankruptcy is designed to halt debt-collection efforts against people with a regular monthly income, and our filing automatically stopped the foreclosure sale of her home. Under Jasmine’s Chapter 13 plan, we rolled her past- due payments into 60 manageable installments. We also convinced Jasmine’s auto lender to rewrite her loan at 4%. Last month, the judge entered the confirmation order. Jasmine kept her house, slashed her car payment by $110 a month, and mailed us a “Welcome Home” wreath she made herself. She now refers all family members, friends, and acquaintances in need of help to us — so often, in fact, that we joke that she’s the firm’s honorary receptionist. We love Jasmine. As specialists in bankruptcy law, we will not watch somebody being taken advantage of by a bank or credit collector. We work hard to make bad situations better. If you are facing unmanageable debt or a threat of foreclosure on your home, contact us for a consultation. We can help you find ways to protect your assets and work out a plan to regain your financial freedom.
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