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jeffries. they refinanced twice and now they re under water. gone are the parties. the vacations. and the gifts. it s beautiful! reporter: why help doug and mary jefferies? super nice people but in a way, they make enough money, they could just move to another place. you can t assume a person s middle income and has less problems is impacted by those with less problems than a person lower income and has problems. reporter: how come we re seeing people in the middle class african-american now sliding back. you can be middle class by income but not wealth. you re laid off. you have a little wealth, you can maybe get by a year or two. reporter: middle class by income lose your job, a mortgage to pay, a month s worth of savings, you re in trouble. that s the difference. reporter: our report says three out of four black middle
that s not the case with the jeffries. they refinanced twice and now they re under water. gone are the parties. the vacations. and the gifts. it s beautiful! reporter: why help doug and mary jefferies? super nice people but in a way, they make enough money, they could just move to another place. you can t assume a person s middle income and has less problems is impacted by those with less problems than a person lower income and has problems. reporter: how come we re seeing people in the middle class african-american now sliding back. you can be middle class by income but not wealth. you re laid off. you have a little wealth, you can maybe get by a year or two. reporter: middle class by income lose your job, a mortgage to pay, a month s worth of savings, you re in trouble.
for doug and mary jefferies, it all comes down to today, their day in court. it s mediation day. reporter: what s going to happen today? what are the options? there airport any options. they re either going to reduce the mortgage or they re going to foreclosure. i m ready. i couldn t sleep. you go ahead. i am worried, a little bit. but i still think that god has our back. thanks a bunch. i just really believe that. reporter: a full three hours after the talks begin god is good. yes, he is, all the time. god is good. yep. reporter: so, how did it go? we didn t get a workout today. reporter: a workout is a new lower mortgage rate. a workout means any bank is going to sell the jeffries home. their home is scheduled to be sold by the sheriff early this year.
for doug and mary jefferies, it all comes down to today, their day in court. it s mediation day. reporter: what s going to happen today? what are the options? there airport any options. they re either going to reduce the mortgage or they re going to foreclosure. i m ready. i couldn t sleep. you go ahead. i am worried, a little bit. but i still think that god has our back. thanks a bunch. i just really believe that. reporter: a full three hours after the talks begin god is good. yes, he is, all the time. god is good. yep. reporter: so, how did it go? we didn t get a workout today. reporter: a workout is a new lower mortgage rate. a workout means any bank is going to sell the jeffrey eshome. their home is scheduled to be
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