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16 lorquinas families have benefited from the agreement with the City of Lorca Bar Association (18/06/2014)

In the 13 months of operation of the Affected Service Office of the Department of Housing Fixed 14 risk situations through counseling and mediation.

Councilman Housing Council of Lorca, Agustin Llamas, reported this morning at the meeting of the City Commission to support victims families at risk of eviction, in which are represented the three municipal groups, 16 families Lorca difficulties mortgage payment have benefited Consistory Lorca agreement with the Bar Association to mortgage mediation place being assigned to all of them a lawyer for legal advice, support and mediation between Lorca and financial institutions, in order to avoid uprisings occur.

The beneficiaries of this agreement have been derived from the Affected Service Office of the Department of Housing, located at the House of Sport, which has also been oriented to families who raised doubts about previous situations.

In the 13 months of the service have been solved and 14 risk situations thanks to the advice and brokering, recommending first to speak directly with the bank according to the instructions given them by the municipal officers and the case did not reach an agreement to take the next step based on the covenant with Lorca lawyers.

Llamas explained that "all cases that have come down and meet the requirements, or have achieved an alternative to solve the problem or are on track to achieve, demonstrating the success of the pioneering steps of City Hall in support of families in risk of eviction. "

The mayor said that "Banks and Sabadell Marenostrum are those most facilitating agreements families that are affected by this service, which are mostly taking a mortgage who have lost their job and has been Finish unemployment benefits. "

The profile of the people served are Spaniards between 30 and 55 with a household of 3 or 4 members.

The council has indicated that "the municipal office has become an example for other municipalities, as well as the agreement with the Law Society, it is the first of its kind signed by a local authority in the region with a school professional lawyers, as contemplated free legal support from the outset to avoid reaching a more complicated situation. To do this, the City finances the agreement with a contribution to the Bar, in exchange for which the lawyers inform families about the possibility of addressing the difficulties of paying the mortgage on their habitual homes, custom-advise on the specific procedures to be performed before or at the beginning of the defaulted mortgage, help finding agreed solutions between the debtor and the bank for situations that have improved outlook or with certain changes in the relationship can get effective solutions that do not result in foreclosure;

and even residential use intermediation mechanisms for situations related to possible foreclosure. "

"This service is aimed at families in Lorca who are already immersed in foreclosure proceedings or likely to be affected by residential risk situations that could lead to foreclosure on the residence property," said the mayor .

So, are considered as potential beneficiaries of this agreement those families who, although they have not failed to pay, they need information on the possibilities and consequences of a possible default.

Similarly, even those that have not failed to pay, seek a solution with the lender, as is expected to be unable to pay brokerage fees and is required to get better to continue paying.

Also included as potential care situations in which it has failed to pay has not yet filed a complaint in order to seek guidance and mediation with the lender to avoid the filing of the complaint;

and the situations in which it has failed to pay, demand has brought, and a citizen is in any of the procedural steps, including the release.

Councilman Housing said "we are really who needs our immediate help, but first of all we have opened an avenue with which to their own families helps prevent critical situations, so it does not occur."

Source: Ayuntamiento de Lorca

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