The HOA now has the deed to it despite Zephirin continuing to pay the mortgage.
"What do you do? You pay your mortgage, and you cloth your children, and you keep your utilities on - in the background, there are homeowner's associations," said Zephirin.
Zephirin admits she owes the HOA dues all the way back to at least 2008. Add the late fees to attorney fees, and she owes a total just over $2,400. The HOA went through all the proper channels and an eviction notice was served.
Friday, she was supposed to leave the home she and her two sons have called home for the past seven years.
"They were real sad. Their eyes got real big. They slept with me for a few days, and they said, 'Where are we going to go?'" said Zephirin.
Zephirin made arrangements for the three of them to go to a homeless shelter, but before giving up, she got in touch with me.
"The reason why we are getting evicted from the home because we didn't pay the bill - that was our responsibility - so I was willing to accept anything that came my way," she said.
I reached out to the attorney for the HOA to see if anything could be worked out. Considering Christmas is about a week away, the attorney brought it to the HOA board and they agreed to delay the eviction and give Zephirin until after the holidays to try and come up with the full amount owed.
Now, she and her two sons will get to celebrate at least one more Christmas in their home.
"God just showed me and you were an angel and you just helped me because if it wasn't for you, me and my kids would be out today, and God bless you for helping me," said Zephirin.
And a big thank you to the HOA board, as legally they did go through all the proper channels - for not only for the foreclosure, but also eviction.
Zephirin is still responsible for the $2,400 she owes. If she is able to come up with it by January 4, the attorney tells me they will deed to home back to her.