The last thing Charlotte needed in the middle of a global pandemic was to be served with a pile of foreclosure papers. A U.S. Air Force veteran and small-business owner, she had just recovered from thyroid cancer surgery and was trying to put her life back together.

A March 18 nationwide moratorium — which bans foreclosures on federally backed mortgages until mid-May —was supposed to offer her some relief amid the coronavirus crisis. She should have had a few months to regroup while she scrambled to secure a loan modification or scrape up the cash needed to make up missed payments on her Veterans Affairs home loan.

It didn’t pan out that way.

On March 25, a process server arrived at Charlotte’s house in Hollywood to inform

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