Why Barack Obama didn’t get rid of Edward DeMarco when the guy went rogue remains a bit of a puzzle. The acting director of the agency that oversees Fannie Mae and Freddie Mac is a Bush administration hold-over who got the job when Bush’s actual director resigned.
Under DeMarco’s tenure as temporary head of the Federal Housing Finance Administration (FHFA), he has stubbornly defied Obama administration policy requiring banks to negotiate loan modifications with families facing foreclosure on their underwater mortgages. DeMarco has refused to let Fannie Mae and Freddie Mac, both government-supported, cut original mortgage amounts to reduce monthly payments.
Illustration: npa-us.org
DeMarco ignored pressure, including a letter from Treasury Secretary Timothy Geithner and questioning from members of Congress who include the committees that oversee FHFA, to let Fannie Mae and Freddie Mac use principal reduction to help families keep their homes.
DeMarco’s own agency found that Housing Affordable Modification Program principal reduction alone could help some 500,000 homeowners and save Fannie Mae and Freddie Mac about $3.6 billion over standard loan modifications.
But DeMarco refused. And in September, he published a 31-page, four-year strategic plan for the Federal Housing Finance Administration.
In refusing to let the two entities use principal reduction, DeMarco in effect put banks before people. His strategic plan aims to make Fannie Mae and Freddie Mac financially healthy, preserve their assets, and protect investors in those assets.
Their assets basically consist of mostly bundled mortgages they buy from the banks that write them and from the bigger banks that bundle them. In exchange, they issue mortgage-backed securities (MBSs) to pay holders the payments and interest from the mortgages. Fannie Mae and Freddie Mac pay the banks to service the loans that back the MBSs. Banks and investors also trade MBSs.
Because Fannie Mae and Freddie Mac charge the banks small guarantee fees, they may have to buy back defaulted loans at full value. So the banks that brought down the economy have no incentive to negotiate agreements that let homeowners pay less and stay in their homes.
The banks fare better if they foreclose mortgages, get all their money back, and leave houses empty. Homeowners who were trying to get banks to renegotiate their loans have suddenly found themselves dealing with Fannie Mae instead.
President Obama can get rid of DeMarco, but not by firing him outright. Since DeMarco is just an acting agency director, Obama can replace him with a permanent director. The appointment requires Senate confirmation, and in party-line decisions, the Democrats have too small a margin to ensure it would go through.
There’s another way: a recess appointment. Obama has used this tactic before. It’s time to force him to use it again to dump DeMarco.
–Janet Braunstein
11/17/2002: Corrected to show 500,000 homeowners instead of 500 million homeowners in fourth paragraph.
The details are still being worked out, but government-sponsored financial giant Fannie Mae is close to an agreement with Jennifer Britt that would end her six-year struggle to keep her family’s house.
After a long, hot summer, Britt’s friends and supporters relaxed at a picnic with their families Saturday on Belle Isle. “I’ve been up and down and up so many times,” Britt said, “I had no choice but to be patient.”
A week ago, a coalition of eviction-defense groups working as Occupy Detroit Eviction Defense announced an agreement with Fannie Mae that would let Britt buy her Rosedale Park house from Fannie Mae through an arrangement that involved several organizations. The announcement was premature, but not by much.
Her attorney, Joe McGuire, said negotiations continue, and no arrangements are final until all documents are signed. At Saturday’s picnic, Britt said she hopes to close within days.
Meanwhile, Britt is part of an effort to organize neighborhood groups like Grandmont-Rosedale as Neighbors United Network. She and Miriam Pickens have reached out to 47 groups within Detroit. “It’s Jennifer’s determination that’s driving this,” Pickens said.
The Grandmont-Rosedale Development Corp. supported Jennifer during her eviction defense and has been collecting money to help with any costs she faces in the agreement. GRDC is a 501c3 (exempt from taxes) nonprofit organization focused on saving and improving the two neighborhoods. It renovates abandoned homes, helps people buy them, and encourages neighbors to work together.
The last and longest of many protests in Britt’s case was a month-long vigil at her house, where people stood guard to prevent a truck from entering and unloading a dumpster. Once a dumpster is in place, crews carry out an eviction order by gathering and hastily tossing all of a family’s possessions.
The vigil ended after Fannie Mae agreed to continue negotiations with Britt instead of insisting on an initial offer that would let Britt rent her house for two years and then kick her out.
Jennifer Britt’s support came from many sources along with Occupy Detroit Eviction Defense. Her neighbors joined pickets. Some went door-to-door enlisting every neighbor they could. UAW Local 600 lent its strength. Britt’s late husband was a member. Members of UAW Local 140′s social-justice committee and the associated Metro AFL-CIO group Jobs With Justice contributed people and spread the word throughout the labor movement.
Moratorium NOW! and BAMN also shared duties, as did People Before Banks, which plays a central role in bringing in other participants and keeping people and groups in the coalition up-to-date.
But, Babson said, “We still call ourselves Occupy Detroit Eviction Defense. We see” ODED “as a big tent. We welcome others. We were glad to have a lot of younger folks. It was really inspiring.”
All did plenty of work on many fronts, including highly visible pickets, demonstrations and marches at Flagstar Bank and government offices, relentless phone calls to Fannie Mae, and neighborhood rallies which drew figures including state Rep. Hansen Clarke. Clarke, who lost his seat in the August primary as a result of redistricting, is a longtime supporter of a moratorium on foreclosures and evictions.
Pressure from Clarke and Michigan Sens. Debbie Stabenow and Carl Levin helped convince very reluctant Fannie Mae to negotiate with Britt. Britt’s supporters brought her case to the senators’ attention with a rally outside their offices in the McNamara Federal Building.
Britt’s supporters are asking for contributions of any amount. Please make checks payable to Grandmont-Rosedale Development Corp. write “down-payment grant for Jennifer Britt” on the memo line to. Mail to: Friends of Jennifer, P.O. Box 15655, Detroit, MI 48215.
This post will be updated as more information comes in.
There are two reasons Occupy the Midwest chose to hold its second conference in Detroit: despair, and hope.
Detroit is one of the cities hit hardest by the ongoing Great Recession, triggered by the 2007 collapse and bailout of the banking system. Mortgage foreclosures and evictions are still adding empty houses to an alarming stock of abandoned buildings and crumbling neighborhoods.
From Tanzania to This Hood of Ours. Cocoloco Photography
But activist Detroit is also an internationally watched urban laboratory. Its self-sustaining, DIY projects, such as growing fresh food on vacant lots and rebuilding dilapidated houses, work largely outside of government, corporations, and the consumer-based economy.
“We want to show that even in the worst conditions, we can make positive change,” in part by equipping people with the right skills and knowledge, said Occupy Chicago’s David Olorosso, one of the organizers of Occupy the Midwest. The conference geared up on Thursday and runs through Sunday, Aug. 26.
Made up of Occupy groups from a growing list of states including Iowa, Ohio, Illinois, Missouri, Michigan, Wisconsin, Minnesota, and Indiana, Occupy the Midwest started as an idea within Occupy St. Louis, which hosted the first conference last spring.
This weekend’s conference is really two running simultaneously, sometimes intersecting. The sessions at Occupy Detroit hub 5900 Activist Center center around government and political strategy. The schedule at the This Hood of Ours encampment is more hands-on, focused on providing basic needs, protecting the environment, and property-use strategies. The conference program presents attendees with some difficult choices.
Here are a few:
Tar Sands — When This Spills, It’s a Whole New Monster: Meet the whistleblower who exposed cover-up of 800,000-gallon oil spill in Kalamazoo River.
Creative Living and City Survival: Blueprints for sustainable communities using natural energy, surviving climate change, gathering wild edibles.
The Role of Banks in the Destruction of Detroit: How the foreclosure crisis created Detroit’s fiscal deficit; Fannie Mae/Freddie Mac’s role in foreclosure crisis.
Reclaiming Abandoned Houses: Necessary steps for reclaiming and securing property confiscated by banks and government agencies.
Another World is Possible: Peoples’ right to choose their own food, farming, livestock and fisheries systems versus international market-force control over most food.
Also looming large: Michigan’s disputed emergency manager law, Public Act 4; (foreclosure) eviction defense; urban farming; new self-government ideas; and the Occupy movement’s first year. The list of participating activist and community organizations is a map of regional cooperation.
Detroit is part of a nationwide race to save as many communities as possible as fast as possible, said Jasahn Larsosa, chief organizer for This Hood of Ours. The Detroit-based organization is a campaign started started three years ago to help reshape local economies from consumer-based to self-sustaining, from valuing money and convenience services to cooperating to provide basic needs. This Hood of Ours also operates in Cleveland and in Anderson, Indiana.
Use the land. Cocoloco Photography
“It never occurs to us that an abandoned home is an asset to a neighborhood, or a vacant lot,” he said. “Use the land, grow your own food. Move into the houses.”
Larsosa said it’s insulting that residents pay taxes for public services they’re not getting, buses that don’t run, trash that’s not collected, neglected schools and parks. Property taxes make up three quarters of the city’s budget; a third of Detroit land space is empty, abandoned, and unused. So when the city confiscates a house for unpaid taxes, he said, leaving it empty and vulnerable, “take it back.”
Detroit’s patchy victories and grim failures make it the perfect host for Occupy the Midwest.
Taxpayer-owned mortgage institution Fannie Mae agreed Friday to continue negotiating with Jennifer Britt, who is fighting her family’s eviction from their foreclosed home, according to Steve Babson of People Before Banks.
Britt has been struggling to save her home since her husband’s death six years ago.
On Aug. 14, Fannie Mae offered to let Britt lease the house for two years at $785 a month, less than half of what Britt paid before the foreclosure. At the end of the proposed lease, Britt and her family would have to move out of the house, and Fannie Mae would sell it.
On Tuesday, Aug. 21, Britt responded with a counter-offer that would allow her to eventually own the house. Her attorney provided no details.
And on Friday, Aug. 24, Fannie Mae told Britt’s attorney that it will continue to negotiate on her counter-offer. It will conduct a formal walk-through appraisal of the property, according to Babson. The formal appraisal might be a tiny step toward shaping settlement terms that would let her keep the house after the lease.
Britt’s battle was originally with Flagstar Bank, which foreclosed on the house in 2010. When Fannie Mae bought the mortgage from Flagstar, Flagstar recovered most of its money. Fannie Mae refused to negotiate seriously with Britt’s supporters, including the Southwest Housing Solutions non-profit. Southwest Solutions offered to buy the house back from Fannie Mae for its market value: $10,000.
Fannie Mae wanted $100,000; Britt and her late husband had already invested that much. Britt had spent her life savings trying to satisfy Flagstar. Fannie Mae sought and won an eviction order against her in July 2012.
Britt’s many supporters mounted a high-visibility eviction defense. On July 19, neighbors and community activists began a determined vigil on her lawn and street to block any attempt at removing Britt, her family, or her possessions.
After more than three weeks, Fannie Mae bent under the pressure and sent Britt an offer. She remains protected by a coalition of activist and community groups.
–Janet Braunstein
For more on the Jennifer Britt vigil, see Terry Hall’s journal of the weeks leading up to Fannie Mae’s first offer.
Day 1: Jennifer Britt’s supporters start vigil. Photo by Terry Hall
On Wednesday, July 18, a district court judge signed an order evicting Jennifer Britt from her Detroit home, ending for now a complicated legal battle to save her house that began in 2006. On Thursday, July 19, protesters and supporters began a vigil to bar anyone from removing Britt, her family, or their possessions.
“We’re going to be there every day until Fannie Mae agrees to drop the eviction attempt and negotiate a fair deal,” says evict-defense activist Nancy Brigham.
So what’s it like to join a vigil during the long hours and days between rallies, press conferences, and the cameras they attract? ODFP photojournalist Terry Hall shares his experiences.
Week 3, Tues., Aug. 14
Everyone’s excited at news that today, Jennifer Britt finally received a mortgage-resolution offer from Fannie Mae. Attorney Bob Day brought the news. Day is one of the many activist lawyers working with groups like Moratorium NOW!, People Before Banks, and the Sugar Law Center.
The proposal: Jennifer would rent the home from Fannie Mae for 2 years. At the end of the two-year rental, she’d have to move out of her home, and Fannie Mae would sell it. Since Fannie Mae just made the offer, it’s too early to know whether Jennifer will consider it as presented.
It’s easy to see how Fannie Mae would benefit: it would avoid further negative attention of an unpopular eviction, establish Jennifer Britt as a renter rather than owner, and provide a caretaker (Jennifer) for the house. Hard to see how Fannie Mae could lose under those terms. When Jennifer makes her decision, the eviction-defense team will be ready to fully support it.
Jennifer Britt talks about Fannie Mae offer with supporters at a potluck on her lawn. Photo by Terry Hall.
Week 3, Mon, Aug. 13
There’s a laid-back potluck dinner scheduled for tomorrow evening on Jennifer’s lawn, starting at 5pm. It’s for everyone who supports her and her cause, including those who stand vigil to protect her house.
Weekend, Aug. 11-12
As the vigil protecting Jennifer Britt’s house continues, it’s important to remember that foreclosure-eviction cases like hers often go on long after courts withdraw eviction orders and banks say they’ll (finally) try to work o.ut something homeowners can afford. The vigils may end, but supporters, activists and neighbors will come back if they need to.
This Thursday, Aug. 16, activist supporters of paraplegic Jerome Jackson plan to rally at the Inkster 22nd District Court, where a judge will hear his eviction case again. At a previous hearing in early June, the court gave Jerome a 60-day stay.
The bank, as usual, is Fannie Mae, which bought the mortgage; a second player, a dysfunctional Wayne County assistance agency, caused the mess to start with. During the two-month stay, negotiations fell apart, largely, according to anti-eviction coalition Moratorium NOW!, because the same county agency wouldn’t cooperate.
People in Jennifer Britt’s position, despite all the physical support, legal assistance, and media attention, don’t get solid deals for months or longer. How would you feel if someone were trying to legally force you out of your own house, to back a dumpster up to your door so they could hurriedly clear out your possessions? When would you feel secure and safe again?
These cases aren’t over until every possible document is signed and witnessed; every piece of state, county and city red tape is satisfied; and every imaginable loophole is closed. Only then could you walk in the door, plop on the couch, and sigh in relief. Am I right?
–Janet Braunstein
Day 16, Friday, Aug. 3
It’s been a long week. Thankfully, others are relieving us for the weekend. It’s quiet after the drama of the last few days. Talk moves to other current events. A caregiver who grows medical marijuana talks about related appeals court decisions. During the day, the Michigan Supreme Court rules that the question seeking appeal of Public Act 4, the state emergency-manager law, will appear on the November primary ballot, ending a long battle. Click here to see decision. Big news.
Next up: a controversial proposal for the state to take over management of Detroit’s Belle Isle. For decades, the city’s recreation department hasn’t had the money or workforce to keep up the island. The prized Detroit gem has great views of downtown Detroit on one side of the Detroit River and Windsor, Ontario, on the other. The 982-acre island park was designed by Frederick Law Olmsted, who designed Central Park in New York City. Belle Isle’s larger than Central Park; in fact, it’s the largest island city park in the nation. Many of its famous attractions were designed by globally recognized architects Albert Kahn, Eero Saarinen, and George Mason, who designed the Grand Hotel on Mackinac Island. Some of the attractions have closed or are declining.
We don’t talk about the Britt family’s eviction today. We know we don’t know what will happen next. Instead of fear, I feel reassured that we’re here together to take whatever action becomes necessary. I can feel a shared sense of determination.
The last line of defense: blocking the driveway. Photo by Terry Hall
Day 15, Thursday, Aug. 2
For a while this morning, I’m the lone watch guard. The sleep deficit from standing vigil in the early morning, often at lunch, and in the evening after work, along with making entries here, is starting to get to me. I can hardly keep my eyes open, so I grab my camera, lean on the trunk, and watch the street.
I think only about the importance of saving another person’s house and of saving energy for winning this long struggle.
For the moment, my mind is free from frustrated anger over banks’ arbitrary foreclosure practices, their toxic responsibility for the devastation of the economy, and the bonuses they walked away with. I’m not thinking about Edward DeMarco’s decision not to let government-owned Fannie Mae and Freddie Mac provide debt relief to people whose mortgages are underwater.
DeMarco, a Bush holdover and acting head of the Federal Housing Finance Agency, told Congress today that loan forgiveness (aka principal reduction) doesn’t benefit taxpayers, Fannie Mae and Freddie Mac, and it doesn’t change borrower behavior enough. DeMarco’s decision is a refusal of an Obama administration request.
My mind is too tired for such heavy weights. The banks want us to believe that they are in control, but we choose to believe in ourselves instead.
Day 14, Wednesday, Aug. 1
One advantage of serving in the vigil is getting to know the people I see almost every day and others who join the watch as their schedules permit. Between the core people and the others, someone is always covering the vigil. Today we talked hopefully about an imminent deal.
Jennifer Britt sits with us, drinking in reassurance that she’s helping others as well as herself and her family. Few people are as brave as she is. Many suffer in silence and walk away from their homes. This eviction defense is both crisis intervention and an outreach to people who don’t know where to turn when their banks say “no.”
Day 13 , Tuesday, July 31
Early morning and noon are quiet. After work, I learn that Steve Babson of the People Before Banks coalition asked Jennifer Britt whether she thinks the vigil should continue or break for a few days to see kind of offer Fannie Mae comes up with.
Babson says he fears that the defense might dwindle because people are getting tired. All of us there agree that the vigil continues. We can’t risk the work we’ve invested here, let alone the work of people like attorney Joe McGuire and all the groups supporting Jennifer.
Day 12, Monday, July 30
BAMN’s Tristan Armand Taylor with Jennifer Britt. Photo by Terry Hall
Early morning: There’s a bigger crew, about 15 people. I catch up with Tristan Taylor from BAMN. He says U.S. Sen. Debbie Stabenow has told Fannie Mae representatives that Jennifer Britt isn’t moving out, that she’ll have to be dragged out publicly in front of the cameras — which would make Fannie Mae look bad and the eviction-defense movement look very good. Word is that the eviction remains on hold, but nothing official yet. The vigil continues.
Swiss public television crew. Photo by Terry Hall
Noon: A small crew from Swiss public television is here to shoot some footage of the eviction defense and vigil. The crew, from SRG SSR was already filming in Detroit, a subject of international fascination.
Keeping watch, with sign. Photo by Terry Hall
Evening: Last watch of the day, five people here. I talk to Jennifer, who agrees that while resolution may seem close, we haven’t reached the end. We stow the chairs in the garage for the night.
Days 10-11, weekend of July 28-29
Terry takes the weekend off, but a skeleton crew keeps watch.
Day 9, Friday, July 27
Early morning: Another skeleton crew preventing any attempts to evict 49-year-old Jennifer Britt, her 74-year-mother, 77-year-old uncle, and two children. The watchers don’t just walk the walk; they’re talking the talk. I join the others’ discussion on the economic and social theories of philosophers Karl Marx, Ptolemy, and Noam Chomsky; on the similarities and differences among capitalism, Marxism, communism and anarchy.
How would revolution work down-to-earth? How many chickens will I need to trade for a Nikon camera? After some chuckles, talk turns to the Vietnam War, the era’s protests against ROTC presence on school campuses, and the deep mental toll Vietnam vets suffered and suffer today.
Wow. One of us works at the same company (name withheld) as I do, and another used to. Small world.
Back to my “wage slave” gig. All’s quiet, but word is we’re gearing up for possible dumpster-truck attempts Monday and Tuesday unless Jennifer has a signed deal in hand. As long as Jennifer waits, we wait.
Day 8, Thursday, July 26
Early morning: It’s raining lightly. I join four men under the tent-canopy, chewing over tactics for moving forward with eviction defense; occasional, generational communications gaps within Detroit’s broad activist community. Good conversation. Getting here in the morning is worth it. No matter how worthless my work day might seem, I know I’m doing something very important. It keeps me going.
Noon: The subjects have switched to mortgage-principal reduction and debt forgiveness. The weather’s nice, the neighborhood’s quiet. The only real noise is from larger trucks passing a block up on Grand River. The discussion’s a good break from my daily routine.
Evening: Not long after I get here, another meeting starts, focused around Occupy Detroit participation. This one’s being run by Dianne Feeley, a Detroit-based editor and longtime contributor of Against the Current. She callsherself a socialist feminist. The weather has cleared. Jerome Jackson, whose own eviction order was stayed in early June for two months, shows up with pizza and chicken wings.
Meeting at Jennifer Britt’s home. Photo by Terry Hall
We hear some encouraging information, off the record for now. After a few shots, I pack up to go catch up on personal business that built up over the last week. I leave Jennifer Britt’s house knowing it’s well guarded. No one’s going to drop the ball. People keep showing
up, including new people at the meeting. It looks like the word is getting out.
Day 7, Wednesday, July 25
Early morning: It’s quiet today, cool and sunny in Rosedale Park. There are seven of us here, chatting about Jennifer Britt’s case and eviction defense. I’ve heard the same thing at other eviction defenses: Jennifer’s fought hard for years, but if she’d known to get legal help earlier, it likely would have been much easier to stop the eviction. And how shame sometimes immobilizes and isolates people facing foreclosure or eviction, leaves them feeling powerless.
Just before I leave for work, we get a visit from some people in a local group they call Y.O.U.T.H. Inc. The group is based in an old bakery not far from the Britt House. It’s good to see more community involvement.
Y.O.U.T.H. Inc. visitors. Photo by Terry Hall
Noon: The few people in Jennifer’s yard are cleaning up, gathering trash and recyclables, putting the yard in order. It’s still quiet. We get some curious looks from passersby.
James Hunter. Photo by Terry Hall
Evening: I walk into a surprise meeting. James Hunter, from the Sugar Law Center for economic and social justice, is giving a talk about today’s hearings in Lansing about Public Act 4, the emergency manager law. He was there. He tells us it looks good for getting a referendum on repealing the law on the November ballot; he expects a decision within a week. The justices were tough on the attorneys for both sides of the issue, Democracy Now (in favor) and Citizens for Fiscal Responsibility (against). It’s a good sign, he says. The justices will have solid legal basis to rule in favor of putting the question to a public vote. As a progressive, I’m cheered by Hunter’s impressions.
As I head out, it feels good to look at people I stood guard with and once again say “see you in the morning.”
Welcome to Rosedale Park. Photo by Terry Hall
Day 6, Tuesday, July 24
6 a.m. Another hot, muggy morning. Two people are standing at each corner of the block as look-outs. Tense defenders turn their heads every time they hear the air brakes of a truck. I’m one of them. There’s no sign of the truck carrying the dumpster before I leave for work.
Truck lookouts Mark Anderson and Curtis McGuire. Photo by Terry Hall
Noon. BAMN organizer Tristan Taylor and Occupy Detroit’s Joe McGuire, the attorney representing Jennifer Britt, tell me that Fannie Mae has apparently halted the eviction for two days while someone there reviews Jennifer’s mortgage and the long history of her case.
Steve Babson on vigil status. Video by Erik Shelley, Occupy Detroit
Joe’s still waiting for confirmation from the court that ordered the eviction or Fannie Mae lawyers. It looks like Fannie Mae is bending under pressure from Michigan’s representatives in Washington: Senators Debbie Stabenow and Carl Levin, and 13th District Rep. Hansen Clarke, who was here yesterday.
Nick Pohl provides the music. Photo by Terry Hall
Evening. I’m back after work. The mood’s upbeat. Everyone’s eating barbecued chicken and corn on the cob off the grill while listening to a one-man blues band. He’s playing everything: guitar, drums, harmonica. Until Jennifer Britt and Fannie Mae sign a solid deal, there’ll be people standing watch here.
I’ll be back in the morning.
Day 5, Monday, July 23
4:30 p.m.: It’s been a long, hot day. Everyone gathers in the shade on Jennifer’s front yard, working out plans for the morning and the expected arrival of the dumpster truck. They are ready.
3:22 p.m.: Steve Babson of People Before Banks just issued an urgent warning to expect a dumpster truck tomorrow. The warning urges every supporter, activist, and witness available to join the vigil and keep the dumpster away from Jennifer’s house.
Noon: Clarke expresses his support for Jennifer and his frustration with lack of housing-market oversight. “Foreclosures are devastating our neighborhoods.”
video by Erik Shelley, Occupy Detroit
6:00 a.m.: Today’s vigil starts under a cloudy sky. It’s hot and muggy. There’s a steady pulse of excitement and determination beneath the calm faces of the 40 or so people in front of the well-shaded house.
2:19 a.m.: Today Michigan U.S Rep. Hansen Clarke is scheduled to hold a press conference here at noon. He has proposed a law to halt mortgage foreclosures and evictions, make banks cut mortgage principal to a home’s real market value, and save neighborhoods like this one.
Jennifer Britt with Hansen Clarke. Photo by Terry Hall
From the first day of the eviction-defense vigil, Terry Hall has joined Jennifer Britt’s defenders from 6-8 a.m. weekdays before going to his full-time day job. He returns daily, whenever he can, to participate, watch, and listen. These are some of his impressions and photos from that first morning. Starting on the fifth day, Monday, July 23, he began keeping a daily journal.
Day 1, Thursday, July 19
It’s very hot. People are taking turns going out into the bright sun to catch the attention of drivers on Grand River with signs protesting evictions from foreclosed homes. When they retreat to Jennifer Britt’s lawn for shade and water, they’re getting caught up in discussions. One is about what it means to win a case like Jennifer’s.
Holding protest signs for traffic. Photo by TerryHall
Does a homeowner win when a bank agrees to modify a mortgage by lowering payments but stretching out the length of the mortgage? Or when a bank lowers payments temporarily? Or is it only a real victory when an embarrassed banker agrees to sell a foreclosed home back to its owner at current market value?
Another subject getting a lot of interest: Who’s responsible for homes losing so much value? How did it happen?
Everyone’s watching out for the truck that could come at any time hauling a large dumpster. If the truck gets through the defense line blocking the street and drops the dumpster next to the Britt house, Jennifer and her family will have just 24 hours to clear out their belongings. After that, a work crew will toss out anything left behind.
Another shift on sign duty. Photo by Terry Hall
Detroit police aren’t getting involved in enforcing evictions because they’re civil cases, not criminal. So far, so good.
Like other battles to stop foreclosures and evictions in Metro Detroit, the effort to save Jennifer Britt’s home is the work of a coalition of groups including People Before Banks, Moratorium NOW!, BAMN, and Occupy Detroit.
