Jorge bought his Brooklyn home in 2011 for himself and his two daughters. He lived in one unit and rented the other to help cover the mortgage. After a serious injury reduced his work hours - and his tenant stopped paying rent - Jorge found himself struggling to cover not only the mortgage, but also utilities and repairs. The lender started foreclosure, and the debt grew quickly with added fees. By the time we met Jorge, a judgment of foreclosure and sale had already been entered, and an auction was approaching. Jorge wanted to sell the property to avoid auction but owed more than the home was worth. He was also concerned about the potential long-term financial impact an auction could have on his family. We coordinated a short sale, worked with the lender, qualified buyer, and attorneys, and supported the transaction through closing. The remaining mortgage balance was resolved, allowing Jorge and his daughters to move forward without the burden of ongoing debt.