Rebecca and Daniel's Story

July 26, 2025

In 2024, Rebecca and Daniel were facing a difficult reality: their home was in the foreclosure process. With Daniel recently diagnosed with a serious, terminal illness, Rebecca had become the primary financial provider while also caring for her husband and their disabled daughter. What began as a hopeful purchase of a home in 2022 quickly became a financial burden as life’s unexpected challenges took a heavy toll on their family.

Overwhelmed and unsure of how to move forward, Rebecca and Daniel turned to Catholic Charities’ Financial and Housing Counseling program for help. After meeting with one of our experienced counselors, they gained a clear understanding of the foreclosure process in Minnesota, including available options and timelines.

The first step was to assess their hardship and review their home’s affordability. Despite Rebecca’s best efforts to contact the mortgage company, the stress of managing multiple responsibilities made it difficult to complete the required paperwork. Our counselor worked directly with the mortgage company, helping Rebecca and Daniel fill out the necessary forms. As a result, they were offered a partial claim mortgage assistance program that allowed them to bring their mortgage current and stop the foreclosure.

“I don’t have to worry about losing our home while dealing with Daniel’s healthcare needs,” Rebecca shared with relief. Our team also helped the family apply for energy assistance and connected them with additional social security resources, further supporting their financial recovery.

Catholic Charities’ Financial and Housing Counseling program, available since 1982, has no income limits and provides expert guidance to anyone looking for assistance. As a licensed U.S. Department of Housing and Urban Development (HUD) provider, we are committed to helping individuals make informed financial decisions and build a secure future.

Rebecca’s heartfelt gratitude says it best: “Many thanks to you, Lois, for everything you do

for us!! God Bless You!”

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