Our client, Luis Cazares, thought he was lucky.

When the Eaton Fire tore through the foothills of Altadena, his home—unlike many of his neighbors—was still standing. But relief didn’t last. The air inside was thick with chemicals, ash, and toxins. Within minutes, he felt sick. Smoke had soaked into walls, furniture, and ventilation system, rendering the house unlivable.

Luis isn’t alone. Thousands of Californians returned to homes spared by flames but poisoned by smoke. A  2025 JAMA study found that Los Angeles County experienced over 440 excess deaths following the Eaton and Palisades fires, far beyond the 31 official fatalities. And analyses summarized by the Salata Institute at Harvard link wildfire smoke to dramatic spikes in out-of-hospital cardiac arrests, in some cases reaching 70% above baseline during heavy-smoke periods.

• The Collaboratory, an Altadena disaster relief hub, opened in October to house nonprofits serving fire survivors still rebuilding after January’s Eaton fire.

• The hub consolidates scattered aid for housing, mental health and permitting to address the complex needs survivors face.

• As charitable attention fades, the Collaboratory is a critical lifeline for those still at risk of community displacement.

The first thing you see when you walk into the Collaboratory in Altadena is a wall of devastation. A floor-to-ceiling map of every lot lost to the Eaton fire in January — 9,413 structures. Each marked with a red dot on a grid of streets that have looked like a charred moonscape for 11 months.

The wall is a harrowing depiction of loss in the Eaton fire. But one turn to the right, and hope kicks back in.

Fire survivors are calling for longer timelines on mortgage forbearance and better policy to stop credit hits as the expiration of mortgage protections looms nearly a year after the most destructive fires in L.A. County history.

After the Eaton and Palisades fires, hundreds of mortgage companies promised to let borrowers delay their monthly payments for 90 days. In September those protections were extended and enhanced when Gov. Gavin Newsom signed Assembly Bill 238 into law. That allowed survivors to request forbearance for up to 12 months, without requiring full repayment at the end of the forbearance period.

Ever since, fire survivors have said some mortgage lenders are not adhering to those rules.

As the Los Angeles wildfires died out in January, firefighters trekked through the burn zones to take stock of the destruction. For every home they found leveled, they counted another still standing. The structures looked fine from the outside, but ash and oily soot often coated the floors and furniture, while invisible chemicals burrowed into clothes, blankets and even walls.