Foreclosed America - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Foreclosed America write by Isaac Martin. This book was released on 2015-04-01. Foreclosed America available in PDF, EPUB and Kindle. From 2007 to 2012, almost five percent of American adults—about ten million people—lost their homes because they could not make mortgage payments. The scale of this home mortgage crisis is unprecedented—and it's not over. Foreclosures still displace more American homeowners every year than at any time before the twenty-first century. The dispossession and forced displacement of American families affects their health, educational success, and access to jobs. It continues to block any real recovery in the hardest-hit communities. While we now know a lot about how this crisis affected the global economy, we still know very little about how it affected the people who lost their homes. Foreclosed America offers the first representative portrait of those people—who they are, how and where they live after losing their homes, and what they have to say about their finances, their neighborhoods, and American politics. It is a sobering picture of Americans down on their luck, and of a crisis that is testing American democracy.
Foreclosed: Rehousing the American Dream
Foreclosed: Rehousing the American Dream - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Foreclosed: Rehousing the American Dream write by . This book was released on . Foreclosed: Rehousing the American Dream available in PDF, EPUB and Kindle.
A Dream Foreclosed
A Dream Foreclosed - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook A Dream Foreclosed write by Laura Gottesdiener. This book was released on 2013. A Dream Foreclosed available in PDF, EPUB and Kindle. A moving exploration of homeownership, freedom, and the American Dream in light of the ongoing financial crisis and mass foreclosure.
Foreclosed
Foreclosed - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Foreclosed write by Christopher K. Odinet. This book was released on 2019-02-07. Foreclosed available in PDF, EPUB and Kindle. In Foreclosed, Christopher K. Odinet gives voice to the stories of homeowners that have been neglected, particularly those facing foreclosure and deep financial distress. The book reveals the powerful and often invisible mortgage servicing industry, the tremendous discretionary power it wields over the housing lives of most Americans, and the servicing problems that still persist today. In doing so, it unveils a quiet and dangerous market shift in mortgage servicing - namely, an ongoing move toward a shadow banking sector where regulation is weak - that threatens the stability of our housing finance system. Ultimately, the book demonstrates how the law does not afford homeowners the protection most think and how regulation of these mortgage middlemen remains weak. Foreclosed should be read by anyone concerned with the state of housing and home ownership in the United States.
Dispossessed
Dispossessed - read free eBook in online reader or directly download on the web page. Select files or add your book in reader. Download and read online ebook Dispossessed write by Noelle Stout. This book was released on 2019-06-04. Dispossessed available in PDF, EPUB and Kindle. In the aftermath of the 2008 financial crisis, more than 14 million U.S. homeowners filed for foreclosure. Focusing on the hard-hit Sacramento Valley, Noelle Stout uncovers the predacious bureaucracy that organized the largest bank seizure of residential homes in U.S. history. Stout reveals the failure of Wall Street banks’ mortgage assistance programs—backed by over $300 billion of federal funds—to deliver on the promise of relief. Unlike the programs of the Great Depression, in which the government took on the toxic mortgage debt of Americans, corporate lenders and loan servicers ultimately denied over 70 percent of homeowner applications. In the voices of bank employees and homeowners, Stout unveils how call center representatives felt about denying appeals and shares the fears of families living on the brink of eviction. Stout discloses the impacts of rising inequality on homeowners—from whites who felt their middle-class life unraveling to communities of color who experienced a more precipitous and dire decline. Trapped in a Kafkaesque maze of mortgage assistance, borrowers began to view debt refusal as a moral response to lenders, as seemingly mundane bureaucratic dramas came to redefine the meaning of debt and dispossession.
