In the summer of 2014, I embarked on a solo backpacking adventure across Northern Michigan. With no one to talk to along the way, my journal became a powerful and necessary companion. I wrote journal nearly every day, sometimes many times a day, to capture the events and insights of my time on the trail or […]
Wayne County’s moratorium on tax foreclosures causes collateral damage to some of Detroit’s most vulnerable
Originally published in MetroTimes
Last week, the Wayne County Treasurer announced a total moratorium on tax foreclosures for the year 2020 due to the state of emergency caused by the coronavirus pandemic. Suddenly, the pressure was off for over 12,000 properties, including 8,000 occupied homes in Detroit that were likely to be foreclosed this year.
Most people’s first reaction to this news was a huge sigh of relief; a success years in the making, and long overdue. My job title at the United Community Housing Coalition is literally to prevent tax foreclosure, yet my first reaction (after the shock) was to mourn the collateral damage that this blunt tool will cause. Few recognize that this sweeping moratorium, while very beneficial to homeowners, perpetuates housing insecurity for many residents who live in but do not own their would-be foreclosed home, as well as delaying necessary interventions for vacant homes.
For years, there have been calls for a moratorium on tax foreclosure of owner-occupied homes. More than 1 in 4 Detroit properties have been foreclosed since 2010, causing many to lose their homes and spreading blight across neighborhoods. Past calls for moratoriums have been met with the same response: “We have to foreclose, it’s the law.” Yet Wayne County has decided to unilaterally defer foreclosures with no higher direction from the legislature.
Governor Whitmer has issued an extension for tax foreclosures across Michigan, and other counties will be using discretion to determine which properties will need additional leniency. In Ingham County, for example, it is likely that no occupied home will be foreclosed this year, while foreclosures continue for vacant structures or vacant land so that they can hopefully be restored to productive use. Other counties may suspend foreclosures for property owners directly affected by the coronavirus while proceeding for others.