Betsy Cunningham, an attorney with the South Jersey Legal Service, who is helping Crockett fight for his home, said the case is very unusual but perfectly legal.Cunningham
said it is not legal in some states but is in New Jersey.Still, she
said it is rare for smaller creditors to foreclose on homes, but her
organization, which provides free legal services to low-income people, has had two such cases recently."It's another way to lose your home.Legally, they're allowed to do this, but I haven't seen it in years.This is like a new angle for collection.It's scary.To me, it's a little disgusting," Cunningham
said Crockett has offered to pay $50 per month, but LT Asset Recovery
declined the offer several times.
said LT Asset Recovery
argued Crockett had no other assets other than the house.
said that could mean the bidder would only get half the property, but it could also force a sale."It ultimately could lead him to be homeless," he
said.Cunningham said a church has agreed to contribute $1,000 toward the debt.Anybody interested in helping, can call South Jersey Legal Service
at 609-465-3001."This was probably $5,000 to begin with before fees and interest.That's a really small credit-card debt to have to lose your house," Cunningham