Mr. Williams faced the risk of foreclosure after losing his job in 2021 due to the pandemic. In the years that followed, he moved between jobs but was unable to secure stable employment. In 2024, he was hospitalized and received a serious medical diagnosis which, if left untreated, could result in permanent blindness. Due to limited insurance coverage, he incurred significant out-of-pocket medical expenses.

As a result, Mr. Williams was unable to keep up with both his medical bills and his monthly mortgage payments, leading to foreclosure notices from his lender. Despite his financial hardship, he continued to make partial payments whenever possible, though he was unable to bring the loan current.

In 2025, Mr. Williams secured stable employment, improving his financial situation. After receiving another foreclosure notice, he reached out to Avenue for assistance. Working with an Avenue counselor, he reviewed his options and, based on his financial circumstances, was able to identify a solution that allowed him to avoid foreclosure and keep his home.