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Hard work pays off by Jan FerrIS Heenan

G

ary and Kimiko Gill had enough to worry about

farmed out its home-delivery services and left the Gills with

when they took a major pay cut. Then the law firm

rack and store deliveries only.

they hired to help modify their home loan went

belly-up. A bank foreclosure notice soon followed, giving the couple nine days before their Contra Costa County house of

“I was making good money. The economy was booming and I was booming,” Gill said. “Then the market crashed.”

nearly 20 years was set to be sold.

northeast of Concord. “This was something we’d worked hard for and it was going to be taken away from us.” Then a timely brochure arrived in the Gills’ mailbox

Gill was delighted; his wife of 42 years even more so.

We’re just so happy, so relieved that we can stay here.

against a deadline, he and his wife took a leap of faith. “[Jamil White] told me, ‘Mr. Gill, I will work for you. I’m not going to give you any BS. I can’t promise you anything, but I will do my best for you,’” Gill recalled. “As I’d talked to him, I got the feeling that he was going to help us.” Like so many Americans caught up in the oncerobust real estate market, the Gills never expected to find themselves in need of help. Gary had held two jobs for 16 years – one in in a food manufacturing plant, the other as a daily newspaper deliveryman for an independent contractor. In 2001, he and his wife took over the business. They earned good money and employed more than a dozen

for helping us, and Alex – who handled my case – was on top of everything. She let me know exactly what was going on.

Life has returned to normalcy this past year for the two. Gary and Komiko resorted to completing the rack and store deliveries themselves. They started their days at 1 a.m., returned home five hours later for what Gill called “a

They still get up in darkness to start their day and make their delivery rounds. The difference these days, Gill said, is that they’ve got a little extra money to get them through the month.

little power nap” and then made the rounds again to collect unsold newspapers and money from the stores. Without the home-delivery portion of the business, they could no longer afford their mortgage payments. In 2009, Gill and his wife secured the services of an Irvine-based law firm that they learned about on TV. They

Did you know? Many borrowers don’t have a broad understanding of

paid a monthly retainer and, several months later, agreed to

the duties of a real estate agents, brokers or lending

join the firm’s class-action suit against their bank. Once they

institutions. They may not realize when these agents

signed on, they never heard from the company again. When

or institutions are out of compliance with the law,

they checked the web site for updates on the case, they learned the law firm had declared bankruptcy.

subcontractors. That lasted several years until the newspaper

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She said, “We’re just so happy, so relieved that we can stay here. I can never, never say thank you enough to Louis White

They kept pushing and pushing and it worked out great.”

Attorneys at Law offering its services. Gill was skeptical California firm with no return. Lacking other options and up

month-long extensions followed. By March, White’s office

reduced by $1,100.

with a letter from the Sacramento law offices of Louis White at first, having paid monthly to the bankrupted Southern

the Gills’ foreclosure and got to work on their case. Two more

bank. The couple’s monthly mortgage payments had been

days before Christmas 2010.

Gary Gill said, who lives with his wife in Pittsburg, slightly

person. He and his team quickly secured a 30-day stay on

called with good news: a deal had been reached with the

An additional affront: the foreclosure notice came just

“When you’re 65 like I am, it’s kind of hard to start over,”

That’s when the Gills got the Louis White Attorneys at Law mailer and drove to Sacramento to meet with White in

Underwater Mortgage Help | March 8, 2012 | A paid publication for Louis White, Attorney-at-Law | www.LouisWhiteLaw.com

and an evaluation of the loan may be required to determine compliance.

Underwater Mortgage Help  

An alternative news source and guide to Sacramento. Read local stories, search our calendar, find music, film and dining guides to the city,...

Underwater Mortgage Help  

An alternative news source and guide to Sacramento. Read local stories, search our calendar, find music, film and dining guides to the city,...