Brian

Sherie Zamora sought Urban's help when she temporarily lost her job and couldn't get relief from her mortgage company. She said Urban was calm and reassuring as they developed a plan. But as she left his office, he gave her some suicide prevention hotline numbers.

"I could laugh about this now but at the time it was not a laughing matter," said Zamora, 43, an insurance agent who saved her southeast Denver townhome nearly four years ago. "I was at the end of my rope and I felt hopeless."

Urban is one of thousands of counselors at nonprofit housing agencies who preside over a court of last resort for financially troubled homeowners.


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