Foreclosure Crisis Hits Poor Renters Hard: Evicted Families H...

Like others in Los Angeles's Black community, James, who is 34, had some ties to public resources: a rent subsidy voucher under the federal Section 8 program, a monthly food stamp allowance and hard-fought experience with the social service system, having worked as an advocate with a local anti-poverty group. Still, she wasn't prepared when the foreclosure wave hit her apartment building. Caught between a delinquent landlord and the bank, James, her 12-year-old son and her two teenage daughters lost their apartment and fell straight through the holes in the city's tattered safety net.

James finally landed an apartment in November 2008 before her housing voucher expired. She said she feels safe for now but is still shaken by homelessness. "I've been a single parent for so long. I've always had a place," she said. "I just felt like I was totally wiped out. Like, 'What the hell happened? I'm not in control of anything.'"

With foreclosures and job losses dragging down the whole economy, low-income families of color are plunging into an even deeper hole. While the mortgage meltdown has devastated Black and Latino homeowners, some of the hardest-hit foreclosure victims did not even own the homes they lost. According to the National Low Income Housing Coalition, about 20 percent of properties facing foreclosure in 2008 were rentals, and rental foreclosures are especially prevalent in poor communities and communities of color. In many states, the situation is complicated by a lack of legal protections for tenants against sudden eviction.

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