April 2, 2019
Manuel
Petty Officer (1st Class) Manuel Ramos is a US Navy Reserve member who served in ‘Operation Enduring Freedom’ in Afghanistan. Grateful to the military for providing him stability and a good income, he takes pride in his home in South Hadley that he was able to purchase during his years in the service.
Injuries sustained during his combat service have left Petty Officer Ramos permanently disabled. Given his condition, the Navy reserve instructed him to begin the process for a medical separation.
Without his military income, Petty Officer Ramos was unable to make mortgage payments on his home, and the lender began a foreclosure action against him. At the end of the separation process, Petty Officer Ramos expects to have 100% VA disability compensation, which will be more than adequate to cover his mortgage payments.
CLA attorney Daniel Bahls identified areas in which the loan servicer had been cutting corners while in the foreclosure process. As a result of Dan’s advocacy, the loan servicer agreed to halt the foreclosure process until a decision could be made on Mr. Ramos’ disability claim, helping him remain in the home he is so proud of.