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Foreclosure Nation: Squatters or Pioneers?

News: Take Back the Land installs homeless families in foreclosed Miami-Dade County properties. Here's what the neighbors think.

May/June 2008 Issue


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Mamyrah Prosper steps gingerly over ankle-high grass strewn with plastic bags and empty soda bottles in the yard of a vacant redbrick house in Miami's Liberty City. She peers through a gap in a boarded-up window. "It looks in good shape," she says. "I mean, the walls aren't falling down. This is definitely one of our stronger options."

Prosper means that if the place checks out, she and her colleagues from Take Back the Land, a local group that advocates for affordable housing, will break in, change the locks, paint and clean, innovate a way to connect water and electricity, and then move a homeless family into the house. The criminal laws they'll violate in the process range from trespassing to breaking and entering (even burglary, if the police get ambitious), which requires the organization to keep a pro bono lawyer on standby.

"We call it 'liberating the housing,'" says Take Back the Land's cofounder Max Rameau, a compact Haitian American who's earned a reputation in Miami for creative activism. In 2006, Take Back received widespread attention when it took over a vacant city lot and erected a shantytown for the homeless that thrived for six months—that is, until a resident's candle burned down the encampment. Rameau's latest, and even more legally dubious, campaign targets homes shuttered by foreclosure.

In Greater Miami, there's no shortage of those. Last year, Miami-Dade County recorded 26,391 foreclosures, a nearly threefold increase from 2006, and the pace has only quickened since then. Meanwhile, public housing is in crisis; at least four people are in line for each of the 10,000 available units, and the local housing agency—spectacularly corrupt, even by Miami standards—was taken over by the federal government last year.

Communities nationwide have seen a deluge of properties left vacant by foreclosures, but housing advocates say they've yet to witness anything like Rameau's coordinated squatting campaign. "That's the first I've heard of that kind of direct action," says Linda Couch, deputy director of the Washington, D.C.-based National Low Income Housing Coalition. "It's incredibly frustrating for housing advocates knowing that there are so many vacant houses amid so many people on the brink of homelessness."

Rameau says Take Back's campaign has two objectives: "One is to actually house people. The other is to bring attention to the contradictions in housing policy. The problem is that doing one precludes the other." Drawing too much attention to Take Back's efforts, he explains, would also get the attention of law enforcement. So Rameau's organization has placed only two homeless families in foreclosed homes since the campaign began in October; the first was Cassandra and Jason, a couple in their late 20s, and their two small children. They'd been living in a van before Rameau moved them into a one-story stucco home in Liberty City. When I visited them in February, Cassandra, who works as a street vendor selling jewelry and incense, ushered me into the living room, furnished with two chairs, a moving trunk, and a small television. Bedsheets covered the windows, and the walls had just been painted saffron.

As far as the neighbors are concerned, the current tenants—squatters though they are—are a vast improvement over the crack den the vacant house had become. One neighbor even loaned the family electricity via an extension cord until a mysterious man sympathetic to Take Back's cause turned on power at the house. "I didn't ask any questions," Cassandra says. The new living situation, temporary as it might be, affords her and Jason the time to save up to rent a new apartment, she said. "This just takes the stress off."

According to the Miami-Dade County Housing Agency, squatters, if discovered, will be promptly removed from the premises and potentially prosecuted. So far, though, Take Back's foreclosure-squatting pioneers have avoided detection. Despite the dicey legality, Rameau says there are 14 families like Cassandra's on his waiting list. "We counsel them that they could be arrested if caught," he says. "But things are so desperate, they are willing to risk it."



 

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It seems a rather odd circle, kicking families out of their homes, and then secretly moving them into another displaced family's home. Maybe the banks should just rent back the foreclosed home to the original family for a few bucks a month, at least until the house sells. But for the houses to sit empty while the number of homeless families increases is asinine.
Posted by:ErinMay 28, 2008 2:19:37 PMRespond ^
Now I remember why I used to read MotherJones! Great article - great subject - great cause!
Posted by:nicMay 28, 2008 3:44:00 PMRespond ^
This is a great idea. Breaking the law, sure. But a great idea all the same. We might as well put people in these homes.
Posted by:MattMay 28, 2008 4:36:50 PMRespond ^
Like we say, here in Brazil: it may be illegal, but definitely not immoral to break a law that is, on itself, wrong.

Kicking families out of their homes serves no one, not even the rich corporations that are foreclosing the properties and, in many ways, harms the future of the whole country.

The depth of inequality is directly proportional to the violence it generates.
Posted by:katz22May 29, 2008 7:52:11 AMRespond ^
Oddly it appears that TBL is doing a favor for the banks as well. A house that is occupied and maintained will likely hold its value better than a vacant one, thus fetch a better price at a foreclosure sale. Hopefully the inhabitants find somewhere permanent by that time.
Posted by:C McCormickMay 29, 2008 9:22:35 AMRespond ^
Does anyone know how long it takes to establish Squatter's Rights in Miami?
Posted by:C McCormickMay 29, 2008 9:23:52 AMRespond ^
For the poor, it will only get worse. This is just the tip of the melting, iceberg. BBC news has a article about ainternational aide for health care. They use to fly into Africa, now they fly into the USA. http://news.bbc.co.uk/2/hi/americas/7420744.stm
Posted by:grangerMay 29, 2008 10:02:57 AMRespond ^
This fiasco is brought to you by the
same kind folks that brought you
the Savings and Loan debacle of the
80's. In other words,"compassionate
conservatism".
Posted by:ThomasMay 29, 2008 12:22:16 PMRespond ^
Prosecute these socialist a..h...s to the full extent. Sick to death of so called activist scum!
Posted by:IsopluvialMay 30, 2008 8:41:44 AMRespond ^
The US is becoming a third world nation.
Almost everything is imported in the name of profits and little is exported in the name of profits.
This world has become devastated in the name of profits.
When can the people of this world become more important that profits?
When corporations are controlled!
Posted by:kimmyMay 30, 2008 3:31:17 PMRespond ^
katz22, I like your sentecne,"The depth of inequality is directly proportional to the violence it generates." Mind if I post it on my motivational board?
Posted by:Meow_Phit_PhitMay 30, 2008 4:06:07 PMRespond ^
...about time someone had the wherewithal to fuse the homeless crisis with the foreclosure crisis. Its a match made in hell, and in need of a shotgun wedding, but had to happen sooner or later...
Posted by:the0wlJune 2, 2008 9:57:20 AMRespond ^
Disclaimer:

I think it's wrong put people out of their homes BUT when I see friends and neighbours racking up consumer debt, having two new cars, new everything for their house, you gotta ask yourself WHO PAYS FOR ALL THIS STUFF?
There has to be some consequence to over-spending (like foreclosure) or everyone would just keep spending.
It's part of a bigger disconnect with financial reality that seems to affect a lot of people. Not everyone can have everything, and there'll be fewer foreclosures when more people opt to live within their means.
Posted by:jenJune 2, 2008 6:14:14 PMRespond ^
re: corporations need to be controlled

It's up to individuals to exercise self-control - all else flows from that.
Posted by: jenJune 2, 2008 7:04:46 PMRespond ^
don't try to talk sense to capitalism or it's pet "law"
Posted by:zerubabbleJune 4, 2008 9:42:22 PMRespond ^
yes prosecute those socialists for their thought crime
Posted by:zerubabbleJune 4, 2008 9:46:42 PMRespond ^
When was the last time a poor homeless person offered you a job, helped pay your home heating bill, or filled your gas tank????
Posted by:BillWJune 8, 2008 6:12:13 AMRespond ^
Begs the question: Why does foreclosure mean kicking people out of their home? Why doesn't the bank just assign control of the home to a management company and then rent to the same family? They're going to sell the house for pennies on the dollar anyway; it doesn't really matter if the rental rate is lower than the mortgage payment. It wouldn't be anyway if they quit factoring in the interest.

Alternately, the city could buy the house from the bank for whatever the remaining balance is (principal only), rent to the family and sell the house to someone else who could afford it once the family finds a place *they* can afford. Win-win-win. It would be cheaper than building more homeless shelters, afford the family more dignity and help avoid some of the problems we see in cities with large numbers of empty houses and the attendant crime.

And while I agree people shouldn't take on homes they can't afford, banks also should not tell people they can afford something when that isn't true. And just because you can't afford your mortgage anymore doesn't mean you deserve to be homeless. I can't afford a mortgage; does that mean I should live on the street? No, that means I rent. It isn't difficult to figure out. We need to quit being so cruel to one another in the name of "responsibility."
Posted by:Dana SeilhanJune 9, 2008 6:35:12 PMRespond ^
Correction in first para: The rent *would* be lower than the mortgage if they quit factoring in the interest.
Posted by:Dana SeilhanJune 9, 2008 6:36:01 PMRespond ^
Somerbody hand them a lease, that way they're not squatters and have tenants rights. Its not much but it should hasten being put out on the streets as quickly.

We're supposed to be Corporate "EQUALS", when are the Courts going to start acting like it!
Posted by:JOhn R.June 10, 2008 3:05:08 PMRespond ^
Dana, you are brilliant! And,thanks Granger for the link. It scared me to my bones. I forwarded it to everyone I know.
Posted by:AzhuraAugust 19, 2008 3:09:27 PMRespond ^
I live next to a vacant house that has been taken over by 2 men squatters. I just hate it. I don't know who these men are and I can't even let my 4 yr old son play in our own backyard fearing the worst. I've had things taken from my yard and no one, but no one is going to buy a house that has a squatter living in it. To some squatting is ok but to me, it's breaking the law. These men will not talk to me and honestly, I fear for the safty of my family.
Posted by:RaymondNovember 13, 2008 9:43:35 PMRespond ^
Thats all the more reason to support a program like this. One of the requirements for all squatters should be that they must get to know their neighbors.

Squatting may be illegal, but its morally correct. There should be no empty homes
Posted by:JaredDecember 1, 2008 11:33:08 PMRespond ^

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