AppalReD is funded by the Legal Services Corporation in Washington, D.C.

“LSC serves as a safety net for the poor in that it gives them the ability to pursue their rights as American citizens, regardless of economic status. Without such a safety net, these Americans would not be able to petition the courts for a remedy for the wrongs they have suffered. For these Americans, their rights would be no rights at all.”
-Rep. Danny Davis (D-IL)



Case Files
"Success Stories"

Case: A lender was foreclosing on Mr. Smith's home equity loan that had refinanced an earlier home equity loan, also from the same lender. 

Argument: AppalReD alleged that the finance charges on the two loans were not disclosed accurately, resulting in the un-expired right to cancel both loans. Specifically, the finance charges on the two loans appeared understated because they included fees for drive by appraisals preformed by the financing companies, included excessive document preparation fees, and inadequately disclosed the terms of credit life and disability insurance. 

Outcome: The case was settled- reducing the sums owed on the note from $30,000.00 to $20,000.00, reducing the interest rate, and reducing the monthly payment from $411.00 to $180.00 per month.  The settlement enabled Mr. Smith to retain his home.

Taken from an actual case. Names changed to protect privacy.


 

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Divorce And Its Impact On Children

Employment Opportunities
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What Is AppalReD?

The Appalachian Research and Defense Fund of Kentucky, Inc (AppalReD) provides free legal help for people and groups who cannot afford a private attorney. ApplaReD also provides free legal assistance to victims of domestic violence, regardless of income.
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