Some Good News for Low-Income Families Hoping for Homes in Cincy & Detroit

New Orleans       For lower income and working families in these days of escalating rents and no money flowing in the credit deserts, the old saying that if it “weren’t for bad news, there wouldn’t be any news at all” feels too much like an everyday story.  In Detroit and Cincinnati recently, there was some good news that should create some hope for some families trying to keep homes out of foreclosure or buy homes through installment land contracts.

The Detroit story is a hard one to get your arms around, like so many things in Detroit.  The topline is that a suit led by the ACLU reached a settlement with the City of Detroit that may allow some families to stay in their homes.  As the Detroit News summarized,

The ACLU sued the city in Wayne County Circuit Court two years ago over how it administered the state-mandated property tax break for the poor, arguing it was inaccessible to the vast majority of homeowners who were needlessly losing their homes to foreclosure.

To be clear, the city didn’t allow lower income families to get the property tax exemption approved in state law and instead tallied the delinquent property taxes for several years and then after being in arrears for more than three years, foreclosed on the houses and put them up for sale at tax auction.  Nothing pretty about that story.  It’s almost a Ripley “believe or not” tale.

The settlement forces the city to have to step up.  As the Detroit News reports:

Under the plan, a group of homes headed to this year’s fall tax auction will instead be bought by the city and sold to owner-occupants who prove they qualified for the city’s poverty tax exemption, which lowers or eliminates tax bills.

All good so far, though it gets tricky.  Families that can prove that they were wronged have to buy back the homes for $1000, which, frankly, I don’t understand at all.  The money they say is going to come from private foundations.  The whole affair is being administered by some fantastic folks the ACORN Home Savers Campaign was privileged to meet earlier in the campaign at the United Community Housing Coalition.  UCHC has already qualified about one-hundred families.  There are more than 4000 homes scheduled for the fall auction with over 2000 occupied by owners or renters, so of course there is concern that there may be more people trying to win justice under the settlement than there is money available from foundations, but fingers crossed.  This is still good news and the city can’t claim to be protecting home owners from foreclosure even while cheating them earlier so I’m sure there will be a fix if there’s a shortfall.

In Cincinnati, an ordinance was passed unanimously to assure that any house offered under an installment land contract had to first establish that it was up to code.  Given the history of how companies have operated there, this is also a good step forward.

In both cities these are steps forward and offer hope of more progress for lower income tenants, potential homeowners, and existing homeowners in the future.

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Cold Weather and Warm Hearts in Michigan

Detroit       I saw the picture of the woman who won the Boston Marathon in what was described as epically horrible conditions.  Normally in the embrace of a New Orleans spring I would simply shake my head and say, “why?”  Not this year, because I felt like I had lived my own version as I broke ice off of the windshield and drove to Lansing, Michigan after a meeting in downtown Detroit on midday Sunday to support the showing of “The Organizer” at the Capital City Film Festival there.  Ice was slushing along the shoulders of the highway as I drove through fog and pouring rain in both directions going and coming to be met with snow and freezing temperatures in Lansing, and, like the marathon winner, I kept asking myself, “was I crazy to continue.”  I got there in time to try and find a cup of coffee even paying almost four dollars at the Blue Owl coffeehouse there and walked in wondering whether we had all lost our minds being out in this weather at all.

Quite the contrary.  I stopped whining when minutes after I arrived John Freeman, an ACORN veteran came through the door, having driven over from Detroit as well without whining at all.  John caught me up on a statewide initiative that he was directing that would have huge impact on the environment and climate change.

 

The film was introduced by one of the coordinators of the film festival who surprised me – and probably everyone there – saying he had worked for ACORN briefly in Lansing as a canvasser on some campaign in the early 1990s.  After the film one viewer mentioned that the ACORN office in Lansing had been on the same street farther down.  He remembered visiting there when they were partnering with an organization that he served for a decade including a stint in the same location where ACORN had its office.

Several people asked about their work and how they could connect with ACORN now, and that was encouraging.  The most interesting question provoked by the film though was from a photographer who wanted to know how ACORN communicated internally as we had grown so large in the 21st century.

From a current viewer’s perspective, ten years distance is a high-speed car compared to a horse-and-buggy in the communication world that is hard to explain.  Certainly, ACORN had an effective and powerful website, but no more than half of our board had email addresses when I left in 2008.  Facebook was not ubiquitous, Twitter was virtually unknown, Slack didn’t exist.  We were right up to date for then, but it’s very old school compared to now.

There’s also no way to compare scale.  One commentator in the film talks about “building the team” and compares the time of 2008 to the seventies, eighties, and nineties.  In the 21st century we were filling out 10 to 20000 w2s for each tax season for people employed by the organization in various capacities for various lengths of time.  The community organizing staff was close to 400 organizers.  The labor staff was over 100.  The housing team was larger than that.  The ful-ltime staff was over 1000.  Could we have done better?  Absolutely!  But, comparing ACORN 21st century with previous decades was less about building a team than field a small army under different banners.  It was apples and oranges, and it was happening in a culture that that still valued the role of staff as behind-the-scenes, invisible hands, rather than leaders of the band.

In the relative vacuum of mass-based organizations at this scale today, it’s hard for people to even imagine the ACORN that frightened the right and moved the nation a decade ago.  It’s a gift to be able to share the experience and see eyes light up at the possibility of such organizations in the future.  That’s enough to bring the warmth of spring to the coldest winter day.

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