Vision Property Management: Exploiting Lower Income Home Buyers as a Business Model

Citizen Wealth Financial Justice Foreclosure

New Orleans   In writing about Vision Property Management, the predatory and unscrupulous rent-to-own real estate company, reporters for The New York Times obviously struggled for a way to describe where to place Vision and other bottom-fishing realty companies that exploit lower income and working families’ hopes of home ownership. They ended up just talking …

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Cash Flow is Huge for Low-and-Moderate Income Families

Citizen Wealth Financial Justice

New Orleans   In reckoning with the daily, survival and success struggles of low-and-moderate income families given the myriad of challenges they face, sometimes the experts stumble over the obvious in one of those, “Oh, yeah!” moments that we all have. Reading a recent copy of Shelterforce magazine, there was an article called “Is Financial Unsteadiness …

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Bank Redlining Increasing and Wealth Plummeting in Minority Communities

Citizen Wealth Financial Justice Foreclosure Ideas and Issues

New Orleans        The Federal Reserve report on the continued decrease in lending to African-American and Hispanic families is unambiguous.  In 2013, 4.8% of total home loans were to African-Americans, 7.3% were to Hispanics.  In 2012, the numbers were only marginally better at 5.1% and 7.2% respectively.  As recently as 2006, before the real estate meltdown …

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