American Refugee Camps

2008 will see a dramatic increase in makeshift refugee camps across America. As jobs dry up and people are driven onto the streets these tent camps become the last resort for a growing number of destitute families.

Tent city in suburbs is cost of U.S. home crisis

* Reuters
* Friday December 21 2007

By Dana Ford
ONTARIO, Calif., Dec 21 (Reuters) - Between railroad tracks and beneath the roar of departing planes sits “tent city,” a terminus for homeless people. It is not, as might be expected, in a blighted city center, but in the once-booming suburbia of Southern California.

The noisy, dusty camp sprang up in July with 20 residents and now numbers 200 people, including several children, growing as this region east of Los Angeles has been hit by the U.S. housing crisis.

The unraveling of the region known as the Inland Empire reads like a 21st century version of “The Grapes of Wrath,” John Steinbeck’s novel about families driven from their lands by the Great Depression.

As more families throw in the towel and head to foreclosure here and across the nation, the social costs of collapse are adding up in the form of higher rates of homelessness, crime and even disease.

While no current residents claim to be victims of foreclosure, all agree that tent city is a symptom of the wider economic downturn. And it’s just a matter of time before foreclosed families end up at tent city, local housing experts say.

“They don’t hit the streets immediately,” said activist Jane Mercer. Most families can find transitional housing in a motel or with friends before turning to charity or the streets. “They only hit tent city when they really bottom out.”

Steve, 50, who declined to give his last name, moved to tent city four months ago. He gets social security payments, but cannot work and said rents are too high.
“House prices are going down, but the rentals are sky-high,” said Steve. “If it wasn’t for here, I wouldn’t have a place to go.”

‘SQUATTING IN VACANT HOUSES’

Nationally, foreclosures are at an all-time high. Filings are up nearly 100 percent from a year ago, according to the data firm RealtyTrac. Officials say that as many as half a million people could lose their homes as adjustable mortgage rates rise over the next two years.

California ranks second in the nation for foreclosure filings — one per 88 households last quarter. Within California, San Bernardino county in the Inland Empire is worse — one filing for every 43 households, according to RealtyTrac.

Maryanne Hernandez bought her dream house in San Bernardino in 2003 and now risks losing it after falling four months behind on mortgage payments.

“It’s not just us. It’s all over,” said Hernandez, who lives in a neighborhood where most families are struggling to meet payments and many have lost their homes.

She has noticed an increase in crime since the foreclosures started. Her house was robbed, her kids’ bikes were stolen and she worries about what type of message empty houses send.

The pattern is cropping up in communities across the country, like Cleveland, Ohio, where Mark Wiseman, director of the Cuyahoga County Foreclosure Prevention Program, said there are entire blocks of homes in Cleveland where 60 or 70 percent of houses are boarded up.

“I don’t think there are enough police to go after criminals holed up in those houses, squatting or doing drug deals or whatever,” Wiseman said.

“And it’s not just a problem of a neighborhood filled with people squatting in the vacant houses, it’s the people left behind, who have to worry about people taking siding off your home or breaking into your house while you’re sleeping.”

Health risks are also on the rise. All those empty swimming pools in California’s Inland Empire have become breeding grounds for mosquitoes, which can transmit the sometimes deadly West Nile virus, Riverside County officials say.

‘TRICKLE-DOWN EFFECT’

But it is not just homeowners who are hit by the foreclosure wave. People who rent now find themselves in a tighter, more expensive market as demand rises from families who lost homes, said Jean Beil, senior vice president for programs and services at Catholic Charities USA.
“Folks who would have been in a house before are now in an apartment and folks that would have been in an apartment, now can’t afford it,” said Beil. “It has a trickle-down effect.”

For cities, foreclosures can trigger a range of short-term costs, like added policing, inspection and code enforcement. These expenses can be significant, said Lt. Scott Patterson with the San Bernardino Police Department, but the larger concern is that vacant properties lower home values and in the long-run, decrease tax revenues.

And it all comes at a time when municipalities are ill-equipped to respond. High foreclosure rates and declining home values are sapping property tax revenues, a key source of local funding to tackle such problems.

Earlier this month, U.S. President George W. Bush rolled out a plan to slow foreclosures by freezing the interest rates on some loans. But for many in these parts, the intervention is too little and too late.

Ken Sawa, CEO of Catholic Charities in San Bernardino and Riverside counties, said his organization is overwhelmed and ill-equipped to handle the volume of people seeking help.
“We feel helpless,” said Sawa. “Obviously, it’s a local problem because it’s in our backyard, but the solution is not local.”

Model for a Slave State Program

This is a model for a slave state program. At what point do they branch out and let Insurance and Credit Card companies in on the action. Eventually anyone with unpaid debt will be forced into this type of indentured servitude.

NY Town Lets Seniors Work to Pay Taxes

By JIM FITZGERALD – 1 day ago

GREENBURGH, N.Y. (AP) — Audrey Davison lives alone, gets a $620 Social Security check each month and worries about the sharply rising taxes on her four-bedroom house. Davison, 76, raised her family there and after 43 years, she really doesn't want to leave Greenburgh.

Greenburgh doesn't want her to leave, either.

The town is pushing a program that would let seniors work part-time, for $7 an hour, to help pay off some of their property taxes.

"People shouldn't have to sell their house, move away to a place with less taxes, leave behind their family and friends," said Town Supervisor Paul Feiner.

He envisions retired doctors mentoring schoolchildren, retired accountants helping with the town's finances, retired lawyers offering their services for a discount. But there are plenty of less-skilled jobs that need doing, he said.

"It's not like we're going to see grandma running the snowplow," he said. "There are lots of things people can do for the town and it wouldn't cost us that much to pay them."

The proposal has caused a stir in Greenburgh, a town of 90,000 in Westchester County, which has the nation's third-highest homeowner property taxes. The plan would be unusual if not unique in New York, but similar programs are considered successes in Colorado, Massachusetts, South Carolina and elsewhere.

Davison, who suffers from arthritis and sciatica and needs a walker to get around on her bad days, said she pays about $12,000 a year in property taxes — perhaps $2,000 to the town — and has already taken out a reverse mortgage to pay her bills.

Talking to Feiner last week at the town senior center, she said, "I would work as long as it was a job where I could sit."

"You could be a receptionist!" Feiner said. "You could greet people right here, when they come in."

"That I would love," Davison said.

Scott Parkin, spokesman for the National Council on Aging, said the program sounded interesting, as long as it wasn't limited to menial work. "It's certainly in line with what we stand for, keeping seniors involved in work or volunteering as a part of healthy aging," he said.

Boulder County, Colo., pioneered a tax workoff program in 1986 for residents over 60 and now has about 250 applicants for the fewer than 100 openings, said spokeswoman Barbara Halpin. The work done by the seniors includes landscaping, gathering climate data, clipping newspapers and staffing the courthouse information booth.

"Taxes aren't that high out here, so even at $7 an hour people can burn off their county taxes pretty quickly," Halpin said. She added that many stay in the program as volunteers after paying off their taxes.

In Concord, Mass., Maria Casey of the personnel department said about 10 seniors get $8.50 an hour to work at research, data entry and groundskeeping. The program, started in 1999, "allows seniors to be able to work and be involved in the community, and the town benefits by their work," she said.

Feiner is suggesting creating about 25 slots for seniors and letting them work off $500 or so a year. His proposal faces some obstacles. If the wages earned are to be tax-free and directly credited to the property tax bill, the state Legislature would have to approve. In addition, unions would have to be convinced that the program is no threat to their members' job security.

Feiner is hoping for at least a pilot program next year.

Eventually, he said, he would like to see the county and the local school districts adopt similar plans.

"If we got seniors working for the schools, there might be a more intergenerational feeling there," he said. "It might be easier to pass the school budgets."

Janet Goodman, a retired teacher and travel agent who was leading a knitting class at a Greenburgh community center, said paying the bills at her town house in Hartsdale, one of Greenburgh's seven villages, is "a constant struggle." She said she would gladly take part in a tax workoff program "as long as the work is interesting."

"You have to be creative," she said.