Cash-Poor Americans Find Other Ways to Give

Even schoolchildren are benefitting from this new spirit of generosity. Ty'Sheoma Bethea, a South Carolina eighth grader, gained attention after writing President Obama about her dilapidated school. The president mentioned her during an address to Congress, noting that "The letter asks us for help. She had been told that her school is hopeless."

Darryl Rosser, 57, who runs Sagus International, a school furniture builder just outside Chicago, was listening to the speech, and was also moved by Ty'Sheoma's letter. Rosser visited Ty'Sheoma's school school in Dillon, S.C., and was shocked by the conditions he found.

"I don't know how any politician or how anyone could walk into that school, see those conditions, and walk away and not do anything about it," he said.

So Rosser did something. In a stunning act of kindness, he collaborated with his employees and suppliers to build and ship $250,000 in new furniture to the school. In one weekend, they gave the whole school a major makeover.

When Ty'Sheoma and the other students came to school the next Monday, they were blown away.

"One of the girls in the class came and gave me a big bear hug," Rosser said. "It was so touching to me that I've made it as my screen saver on my computer. So every time I fire up -- she's there."

Woman Saved From Foreclosure: 'This is Unbelievable'

Rosser and Mock may just represent the future of charitable giving. After the flurry of media attention Mock received for saving Orr's home, she said she's been swamped with other desperate pleas -- more than 200 so far. Some of the letters have been heartbreaking and caused her to lose sleep, she said.

So despite working 12 hours a day, six days a week at her family business, Mock started The Foreclosure Angel Foundation to help more people.

Next on her list: 62-year-old Shirley Dvorak of St. Cloud, Minn. After losing her job and running out of unemployment benefits, Dvorak fell months behind on her mortgage. In desperation, she wrote to Mock.

"Day to day I did not know if it was my last day in the house. I would leave not knowing when I got home, if there was going to be a foreclosure notice in my mailbox. I hated to get my mail," Dvorak said.

Mock and her daughter, Alyssa, paid a visit to Dvorak's hometown. They paid off her mortgage and all her back taxes -- $20,000 in all.

Then they found Dvorak at the local Catholic Charities office, where she works for a small stipend, to give her with the news. She was speechless, amazed at her turn of fortune.

"I have never, ever had a surprise in my life," she said. "Not a birthday party, not a surprise of any kind. This is unbelievable."

Click here to watch video of Dvorak's emotional reaction.

The generosity comes with only minor strings attached. Dvorak makes whatever payments she can afford, and Mock's Foreclosure Angel Foundation in turn uses those payments to help others in need.

"This is my life we're talking about. I can live in this home until I die. I don't have to worry no more. No one can imagine what it means to me," Dvorak said.

Amazingly, Mock has spent much of her own money helping strangers in need, and has already helped many others avoid foreclosure.

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