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This paper presents a case study of a rural family in distress due primarily to the unemployment of the father and subsequent financial hardship. The paper describes the various challenges the family faces, including psychological, financial and medical. These issues are divided into separate paragraphs that highlight a specific topic. Under each topic, the paper identifies which services the family is entitled to apply for under Virginia law. Particular attention is given to the problems with the children and the role of social services with their care. The paper also notes the mother's depression and the potential consequence to maintaining custody of her children if she does not pursue treatment. The paper concludes with recommendations for the family in terms of the best outcomes for them financially and as parents.
From the Paper:"3. Regarding the Weston's issue with their mobile home mortgage, it completely depends upon the language in the original purchase/lease documentation. The State of Virginia generally adopts the provisions in the Uniform Commercial Code, for example 8-9 allowing creditor rights when adherence to the contract is breached. Virginia is a title theory state where the deed of trust settles the terms. In Virginia non-judicial foreclosure is the rule, but there are strict rules governing this. Prior to initiating foreclosure, 60-90 days must occur, which can be delayed if a borrower goes to court to seek a delay, or files for bankruptcy. The Weston's should immediately file for bankruptcy, at which time their home would be protected and additional terms worked out with the trustee. Having no funds to hire a bankruptcy attorney should not dissuade them; free legal aid is available in Roanoke as well (see.www.foreclosure.com/statelaw_VA.html). Virginia State law 6.1.330.71 does provide an exception to interest limits that are secured by mortgage or deed of trust, however, said law indicates that an annual yield of not more than 18% may be placed upon a deed of trust of 1-4 units..."
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Cite this Analytical Essay:
Social Work Case Study-Qualifying for Benefits (2012, September 11) Retrieved January 21, 2022, from https://www.academon.com/analytical-essay/social-work-case-study-qualifying-for-benefits-151748/
"Social Work Case Study-Qualifying for Benefits" 11 September 2012. Web. 21 January. 2022. <https://www.academon.com/analytical-essay/social-work-case-study-qualifying-for-benefits-151748/>