Summer at St. Ambrose: Sustaining Community Connections

For a few days during the week, I work at St. Ambrose. In the morning and evening as I walk to and from the revitalized row houses that are St. Ambrose, I am most often greeted by someone who is going to work, returning home, or unwinding on their front porch. This exchange brings to mind an image of affability that seems to be a remnant of my parents’ generation.

I am always surprised when I talk to my peers, who should feel that life is at its peak, that they truly feel lonely and disconnected. It is the irony of my generation, that with more means of communication than any previous generation, we are lacking an intrinsic sense of connection. As I simultaneously visualize these two generational images – neighbors greeting one another from their porches, verses individuals posting updates of their locations and activities on the internet – it seems clear that the significance of verbal communication and face-to-face connection is eroding. With this erosion of face-to-face interaction and connection is a loss of community.

During the past couple of weeks, I attended several St. Ambrose events. One weekend, I went to St. Ambrose’s picnic at Herring Run Park, which celebrated the revitalization of 137 homes in the Belair-Edison neighborhood. St. Ambrose homeowners and community members in the Belair-Edison area, as well as St. Ambrose staff were able to eat, dance, and socialize. Last week, I joined numerous community development organizations in saying goodbye to the Baltimore Neighborhood Collaborative (BNC), and reflecting on the work the organization completed in revitalizing and recreating neighborhoods to be safe, livable, cared for, and attractive.

These events are significant because they exemplify the building of community. The idea of community is a feeling of fellowship with others as a result of sharing common attitudes, interests, and goals. I am convinced that fellowship is a product of personal interaction, and that these celebrations of accomplishments encourage fellowship by recognizing the fulfillment of shared goals.

The St. Ambrose Legal Department is partnering with Community Law In Action (CLIA), an organization that works with youth to build them into leaders who will help transform their own communities. St. Ambrose attorneys are participating in the Corporate Mentoring program of CLIA. In this program, high school juniors and seniors are involved in many activities, one of which involves site visits to a Baltimore office, once a month. During these Mentor Days, students work on advocacy projects under the supervision of an attorney, participate in conversations with speakers about college, careers, and the legal profession, have mentoring sessions to work on SATs and college applications, and visit Annapolis.

In partnering with CLIA, St. Ambrose is continuing its mission of community development by engaging with a generation of young community members. The attorneys and students interact in a space that reconciles the goals and attitudes of both an older and younger generation. Gaining experience, attending college, and participating in community advocacy is part of individual and community development in the present, but CLIA is also involved in preserving the importance of face-to-face communication, interaction, and connection.

Phillip Westry, an attorney at St. Ambrose and a past director of the CLIA Youth Connection Program, describes the significance of mentoring as, “filling in a gap”. Phillip explains that students are able to gain the information and experience needed to more firmly establish their own educational and career goals. The personal connection and interaction that is also a part of mentoring, founds a base of support, encouragement, and connection, allowing young people to explore with confidence. As CLIA exemplifies, connection and community need not erode with every passing generation, if today’s community leaders and builders continue to include an ideal of affability within and among generations and people.

Summer at St. Ambrose: My Introduction into St. Ambrose

As a recent graduate of the University of Maryland, I am slowly becoming more cognizant of the vast range of responsibilities that accompany entrance into adulthood. The “college life” allowed for an extended period of youth, wherein everything from living and eating, to a gym membership was simply waiting for me: I did not have to figure life out, I simply signed up. So now, as I am preparing to attend law school, get an apartment, start repaying loans, find transportation for navigating the city, buy and prepare food for myself, etc., I realize that I cannot just sign up; I have to figure out exactly what I am signing up for. One fundamental need that adults must figure out and sign up for, is homeownership or renter-ship, as having a secure refuge is intrinsic to subsistence and well-being. I, in my extended youth, have taken for granted the reality that having a space that is a home, is the product of a complex process, and furthermore that the security a home is expected to provide may be confounded by the insecurity that the processes of home owning and renting are disposed to.

Over the summer, I am interning as a legal assistant at St. Ambrose Housing Aid Center, a community-based nonprofit organization that focuses on providing housing opportunities and assistance to people living in the surrounding neighborhoods. The legal department of St. Ambrose specializes in providing representation for foreclosure mediation as well as advice on legal issues that may be encountered throughout the process of owning a home. During my first few days here, as I have listened to the attorneys discuss cases, witnessed meetings between attorneys and clients, performed intake calls where clients describe their housing issues, and observed mediations in which an individual attempts to save her/his home, my vocabulary has been flooded with terms whose meanings and significance were previously foreign to me. My ignorance of terminology such as foreclosure, mortgage, equity, title, deed, affidavit, short sale, under-water, loss mitigation, modification, bankruptcy, and so on signaled my lack of understanding of what it means to own a home, retain that ownership, and what happens when that ownership is compromised or threatened.

My ignorance of home-owning, could be attributed to a number of explanations, including the naiveté of youth; whatever the cause, however, the basic question for myself and others who are similarly uninformed is, how do I become educated about home owning, retention, and loss, so that I can figure out what I am signing up for? From whom do I learn what the intricacies and jargon of home owning processes actually mean and require of me? Where do I learn what and when I am entitled to assistance or protections? Follow me on this blog series, “Summer at St. Ambrose”, as I participate in the culture of St. Ambrose, learning not only the answers to housing questions, but also the variety of ways in which St. Ambrose influences community strength by helping to form a foundation of informed and stable homeowners.

St. Ambrose Takes legal services into the community

Originally Posted in The Daily Record

Joe Surkiewicz
The legal program at St. Ambrose Housing Aid Center isn’t waiting for clients to find its midtown Baltimore office. Instead, the nonprofit is going into the community to solve civil legal problems before they escalate – and with a permanent, brick-and-mortar presence.

Earlier this month, St. Ambrose opened a walk0in clinic at 108 E. 25th St., where people with civil legal problems can get a free 30-minute consultation with a lawyer.

“You can’t sit in an office and wait for low-income people to find you,” said Jeanette Cole, St. Ambrose’s director of legal services. “They face too many hurdles, like transportation or child care. If you don’t get to them, the problems don’t get better. You must address the legal issues early on.”

Since its founding in 1968, St. Ambrose has helped more than 100,000 families with their housing needs, including counseling for first-time home buyers, a home sharing service, rental services, and a home redevelopment program that renovates vacant houses.

Foreclosure services and the legal program counsel people who can’t pay their mortgage and provide direct representation to people in default and facing foreclosure. Increasingly, the legal staff is engaging clients with legal problems that aren’t directly related to housing – but can ultimately lead to economic instability.

The key, Cole said, is getting to them early.

“What we’re seeing is that people get in denial, they get overwhelmed and deny there’s a problem,” she said. “If they knew there’s someone they can ask for help, it can prevent a problem form turning into a disaster.”

One example is payday loans.

“We try to get to them before it turns into a problem,” Cole said. “We try to firm up their financial stability so that their housing remains stable. We meet with them informally or we schedule appointments.”

The new clinic, which will formally open next month with Mayor Stephanie Rawlings-Blake in attendance, is open Monday, Wednesday and Friday from 10 a.m. to 2 p.m.

“I hired an administrative assistant and a community liaison who also works for Councilman Nick Mosby,” Cole said. “He goes to community meetings and is really good at speaking and getting the word out…He’s a live presence in the community.”
Now that the office is staffed and operating, the next step is to meet with churches and schools where St. Ambrose staff can make presentations.

“We go where the clients are,” Cole added. “Although we’re citywide, we’re focused on the neighborhood near our office to help people access legal services. We take it to the and help them with their problems. It’s to help families and the neighborhood.”

Many people who come to St. Ambrose for housing counseling also have legal problems that need to be addressed. “By assisting with whatever needs to be done, we get to them as soon as we can,” Cole said. “It ultimately helps children, families and the neighborhood.”

Schools are also a source of potential clients.

“We’re contacting counselors to see what issues they’re seeing with the children,” Cole said. “We hope to meet with parents before or after school. We’ve prepared lots of educational brochures and show them how to use the People’s Law Library and our online intake.”

With a legal staff of just three lawyers, St. Ambrose is limited in the amount of direct representation it can provide. “We can’t represent everyone,” Cole noted. “We try to identify real problems. We can do something to help them a lot of the time, and then offer education, referrals and advice.”

The legal program will continue its collaboration with the University of Maryland Carey School of Law in providing low-cost legal help to people in the community.

“We’ll continue to work with the JustAdvice program,” Cole said. “We schedule sessions twice a month at The Living Well, a storefront available for community meetings that we rent. Maryland Law students set it up. Sometimes we have 15 people with scheduled appointments.”

Law students are also the focus of new legal clerkships at St. Ambrose.

“It gives them an opportunity to work with clients and shows them the public service aspect of the profession, either so they can pursue a career or use the experience on their resume, Cole said. “It also helps the see the huge demand for pro bono.”

Joe Surkiewicz is director of communications at the Homeless Persons Representation Project in Baltimore. His email is jsurkiewicz@hprplaw.org

Homesharing: Connecting Compatible Roommates

homesharing_12-0427

By Emma Jornlin

Homesharing is a great option for those who don’t want to live alone. Oftentimes individuals who come to St. Ambrose are looking for a roommate but, for various reasons, don’t want to live with family or close friends.

The benefits of Homesharing abound. On the Home Provider’s part, sharing your house can mean assistance with household expenses, receiving help with chores or, as a recent article in the Chicago Tribune mentioned, just having someone with whom to watch Dancing with the Stars!

On the Home Seeker’s part, moving in with a Home Provider in Baltimore City/County can mean obtaining affordable housing while having the opportunity to share in someone lifestyle or culture—even being welcomed into the family. One of our Home Providers introduces Home Seekers to her grandkids when they visit. Another invites her Homesharers upstairs for Friday night dinners.

For those who don’t like the idea of having to greet someone before they’ve had their coffee or navigating someone  shower schedule, private baths and entrances are available for a slightly higher price than the average $450-500/month.

Our goal at St. Ambrose is to match people based on personality and preferences so that our Home Owners find the right person to share their home and our Home Seekers feel genuinely welcome there.

Here is an overview of our process:

  1. Homeowners apply through our online application or request a mail-in form.
  2. Homeowners are interviewed in their home.
  3. Homeseekers are interviewed at St. Ambrose Housing Aid Center.
  4. Homesharing staff screen and check references of Home Providers and Home Seekers to make sure they have a clean criminal history, no current addictions, and that they have a good rental history.
  5. Our Homesharing Counselors discuss and refer possible Homesharers, based on asking rent, location, and other “non-negotiables,” as well as based on personality and likes/dislikes.
  6. Home Seekers visit the Home Provider’s’ homes until each party decides on a roommate they like.
  7. Our staff meets with the Homesharers to formalize the match.
  8. We check in on the match once a quarter for the first year and provide free mediation services if needed.

The Homesharing Department is reachable at: (410) 366-6180 or you can go to www.stambros.org

Home Matters™ Launch Is Today!

Today, in Washington, DC, National NeighborWorks® Association joined (NNA) with a coast-to-coast coalition to launch a unique national movement called Home Matters. Home Matters™ aims to build public support for the essential role that Home plays as the bedrock for thriving lives, families, and a stronger nation. As it expands, Home Matters™ will go beyond housing and illuminate the connections between stable housing and other important facets of American life such as:

  • Individual Success: Home recharges adults and children alike for the day ahead.
  • Education: Children in stable homes learn and achieve more in school.
  • Health: Healthy habits take root more easily in stable affordable homes.
  • Public Safety: Stable homes make communities safer.
  • A Strong Economy: By having a Home that is affordable, people of all income levels have more to spend and support the economy.

Participating in the two-day launch, today and tomorrow, are leaders of more than 150 local and regional housing and community development organizations from across the nation – many of them NNA members – as well as national entities including NNA, Citi Community Development and Wells Fargo. Members of the U.S. Senate and U.S. House of Representatives will join us this evening, and U.S. Secretary of Housing and Urban Development Shaun Donovan will speak with the coalition tomorrow. Please visit the Home Matters™ website (www.HomeMattersAmerica.com), share your insights, tell your colleagues and friends about the movement, and connect to it through Facebook and Twitter. It’s time for the crucial roles that Home plays to be more broadly understood.

Your New Belair-Edison Neighbors

St. Ambrose recently hosted a happy hour for new homeowners and friends of the agency at the Station North Arts Cafe.  We were so grateful that Ms. Shanice Jones, who recently bought a St. Ambrose home, came and met other homeowners and some staff.  Here is her uplifting story as told by Belair-Neighborhoods, Inc.

“Keeping Up with the Joneses” – Written by Kadija Hart for Belair-Edison Neighborhood News Spring 2012

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Ms. Shanice Jones and her son, new neighbors in Belair-Edison.

When Ms. Jones came to Belair-Edison Neighborhoods, Inc. (BENI) First Time Home Buyer’s Workshop, back in June of 2011, she knew homeownership was in the very near future. After conducting her one-on-one counseling session with Roy Miller, BENI’s Homeownership Specialist, she knew that Belair-Edison was the neighborhood that she and her 15 year old son would soon call their home!  “Mr. Miller was very nice and knowledgeable”, said Jones. “He made me feel comfortable … and reassured me that this was the community for my family.”

With the help of her phenomenal Realtor, Yolanda Powell of Long & Foster, Jones closed on a newly renovated St. Ambrose home on Cliftmont Ave.  “The day I closed was move in day too,” said Jones. “My friends and family were waiting for me, outside, with the U-Haul Truck. We were so excited!”

Ms. Jones had been a renter for over 10 years and was somewhat afraid of taking the leap into homeownership. However, she wanted to provide a stable environment for her son. “I want to be an example for my son,” she said.  “Not only by teaching him responsibility, but should anything ever happen to me, I want to be able to make sure that his future is taken care of. This is an investment in his future.”

The path to homeownership was a bit of a long one, but that didn’t matter to Jones. She used the time to become fully educated about all of the closing cost assistance she was eligible for and received a large amount of grant assistance.

“I went on the Trolley Tour and spoke with Live Baltimore and Healthy Neighborhoods. I worked with St. Ambrose, and I even received an FHA grant,” said Jones. “I was determined.”

The oldest grandchild on her maternal side, she is the first grandchild to purchase a home.  Jones loves being the example for her family and friends. “I tell as many as people as possible about this program,” she said. “I want to help them accomplish their dreams like I have.”  What Ms. Jones loves the most about her block, is that it is filled with homeowners.  “I was tired of renting from unprofessional landlords who seemed all about just collecting rent and not making me feel like the house I lived in was mine,” said Jones.

“I know that many renters expect the landlords to keep up the property, but it’s important they do their part too,” she said. “Homeowners protect the value of their properties, and that’s what I like about my block.”  In addition to the block’s charm, and her homes new renovations, Jones loves her parking pad. “I can just park in the back and bring my groceries right in,” she said. “I don’t ever have to look for a parking space!”

Ms. Jones has big plans in store including finishing up her BA in Accounting at Sojourner-Douglass College, continuing to be a foster parent to young children, helping her son achieve academic success while in High School, and starting her own business!   “I am extremely motivated, always trying to accomplish things that will allow my son to have the best quality of life as possible,” Ms. Jones affirmed.  Welcome the Joneses to neighborhood!

The Baltimore Homeownership Preservation Coalition

The Baltimore Homeownership Preservation Coalition (BHPC) and the Public Justice Center have teamed up to launch a citywide renters’ rights campaign called “Landlord Foreclosed? Renters Have Rights”.  The campaign illustrates how homeowners are not alone in their struggles against foreclosure; renters too are confronting a similar plight.  According to the BHPC, approximately 40% of all started foreclosures are for investor-owned residential properties.

The campaign provides tips for renters whose landlords are facing foreclosure, as well as how to avoid loan scams and how to report mortgage and foreclosure fraud. Please see their recommendations below and visit their website for further information regarding the Renters’ Rights Campaign.

If you are a renter whose landlord is facing foreclosure:

•Open all mail addressed to “occupant” or “current resident”, especially if it comes from a court, law firm, bank or real estate agent.

•Pay your landlord rent until you receive notice from the new buyer after the foreclosure is complete.

•Seek legal advice before accepting a “cash for keys” deal (when the bank offers you a sum of money to vacate the property immediately).

•Contact the not-for-profit Public Justice Center for trustworthy and FREE legal advice at (410) 625-9409. (The link of BHPC’s website for the Public Justice Center doesn’t work, so use this one: http://www.publicjustice.org/our-work/tenant-advocacy)

To avoid loan scams, know the signs:

Do not trust anyone who:

•Guarantees to stop foreclosure.

•Instructs you not to contact lender, lawyer, housing or credit counselor.

•Collects fee before providing service.

•Accepts payment only by cashier’s check or wire transfer.

•Encourages leasing of home to “buy back over time”.

•Requires mortgage payments be made to them, rather than lender or servicer.

•Asks for deed or title to be transferred to them.

•Offers to buy house for cash at fixed price not set by market.

•Offers to fill out paperwork on your behalf.

•Pressures you to sign paperwork you haven’t thoroughly read or don’t understand.

BHPC recommends checking out Neighborworks America’s Loan Modification website that has more information about knowing the signs that you’re being scammed and how to protect yourself. Their site is: http://www.loanscamalert.org/

If you think you’ve been a victim of mortgage or foreclosure fraud, report it to the Maryland Office of the Commissioner of Financial Regulation by calling 1-888-784-0136. BHCP also has a page dedicated to avoiding foreclosure scams on their site.

The BHPC is a partnership in which nonprofit, governmental, and professional entities collaborate to prevent or lessen the effects of foreclosure on Baltimore families and neighborhoods. Membership is free for both organizations and individuals who are committed to preventing foreclosures and stabilizing neighborhoods that are dealing with significant changes caused by the current housing crisis.

St. Ambrose Housing Aid Center also provides a great deal of support to families in danger of losing their homes. The Foreclosure Prevention Division actively promotes continuing homeownership through education and reform. This group of counselors and attorneys identify predatory activities and unfair mortgages, and provide legal representation to clients who are victimized by fraudulent refinancing or home improvement scams in addition to helping those who encounter other home ownership issues. To receive free home ownership counseling, education, and other services at St. Ambrose, please call 410-366-8550. St. Ambrose also recommends the Consumer Tips for Avoiding Mortgage Modification Scams and Foreclosure Rescue Scams developed by the Office of the Comptroller of the Currency.

AIG Levels Claims Against BoA for Losses Tied to Mortgage Bonds

Image Source: New York Times

American International Group’s lawsuit against Bank of America was widely reported yesterday, as news outlets revealed that the financial firm initiated the suit in an effort to recover more than ten billion dollars in losses resulting from asset-backed securities they purchased from the bank.  According to the New York Times’ financial reporters Gretchen Morgenson and Louise Story, AIG “claims that Bank of America and its Merrill Lynch and Countrywide financial units misrepresented the quality of the mortgages placed in securities and sold to investors,” say inside sources.

As many of you many now know, BoA has faced intense scrutiny over the last several weeks.  A few weeks back, we covered the controversy clouding the bad loan settlement the bank negotiated with investors, in which BoA managed to secure a tremendously favorable outcome.  Just a few days ago, Morgenson penned a follow up piece documenting New York Attorney General Eric Schneiderman’s decision to challenge the settlement.  Apparently, Schneiderman takes issue with a number of the settlement’s terms, particularly those that preclude private litigants who may have suffered from the bank’s troubled loans from making a further claim.

The settlement has prompted other investors, like AIG, to join in on the litigation against the bank.  As Morgenson and Story’s article points out, BoA has encountered 25 suits related to the financial crisis thus far, many more than any other American bank.  Moreover, the journalists correctly tie this ongoing litigation into a broader theme: the federal government’s inability to successfully prosecute members of the banking industry.

Citing legal scholars and the insiders at the Justice Department, the writers imply that the lack of government intervention may be the result of the higher standard of proof necessary to secure a criminal conviction.  This notion has been buttressed by the fact that federal prosecutors were unable to deliver a conviction against Washington Mutual and Countrywide, two banks that have been involved in Justice Department investigations. These failures, unfortunately, create a situation in which investors must regulate the banks through litigation, which is extraordinarily costly and inefficient for all parties involved.

Whether the suit has any merit is a question in and of itelf—BoA rebuts AIG’s claims by arguing that the securities at issue appeared safe to both parties, and that their decline was the result of an unexpected depression in the housing market.  BoA further contends that “AIG is the very definition of an informed, seasoned investor,” and that they fully assumed the risk in purchasing the bank’s potentially high yield securities.

As we have stated several times, the underlying theme that constitently presents itself throughout the media analysis of BoA’s pre-courtroom saga is the lack of regulation in the securities industry.  While it is unclear as to which industry player has the upper hand here, all bear some fault—BoA for marketing the securities in the first place, AIG for creating a market for them, the ratings agencies for ensuring their legitimacy, and perhaps most of all, the government for failing to regulate.  Had these toxic assets not hit the market in the first place, the transaction and subsequent dispute would never had occurred and the economy may be much better off.  Along with it, our clients, many of whom had mortgages resold to Wall Street banks before the crisis, would have been better off, too.

Give the Developments a Chance

A Stalled Housing Development (Image Source: Washington Post)

The Washington Post’s new expose that purports to reveal to the public the widespread incompetence affecting the Department of Housing and Urban Development has engendered much controversy. The series ostensibly addresses only a single program within HUD, the HOME Investment Partnership Program, which administers funding to local government and private entities to develop affordable housing projects. In stentorian fashion, the opening sentence of an article titled, “A trail of stalled or abandoned HUD projects,” (part of the multi-article investigative series titled, “Million Dollar Wasteland”), declares, “ the federal government’s largest housing construction program for the poor has squandered hundreds of millions of dollars…and routinely failed to crack down on derelict property developers or the local housing agencies that funded them.” The Post goes onto report that some 700 projects, totaling “nearly $400 million” have been stalled for years, some even for decades, causing widespread blight. The article then lists widespread deficiencies in oversight and accountability within HUD, contending that the agency doles out cash without properly vetting recipients, that money was delivered when projects were only in an inchoate phase, and that HUD should have imposed more regulations on funding recipients, whether they be housing agencies, non-profit organizations, or the partnered developers. Needless to say, we were surprised.

Perhaps the main reason the article surprised us, however, was what appeared to be the intentional misrepresentations of the available housing statistics, most of which were pointed out lucidly by Secretary Donovan. In a response published on June 10, Donovan rebutted the Post by indicating out that HUD has received numerous acclaim in recent years as well introducing his own stats:

Although HUD provided data and information to The Post for more than a year, the paper has not shared with us the list of projects it generated. So after the articles ran, we conducted our own project-by-project review using The Post’s parameters. We determined that more than half of 797 projects that could have been flagged as “stalled” based on The Post’s criteria are finished.

Of the remaining projects, 97 have been canceled and their funding moved to viable projects, while 154 are progressing toward completion. The final 85 properties are experiencing delays, but in the vast majority of cases there is a simple reason for this: the recession.

Donovan goes on to state the conclusions of HUD’s internal study: only four percent of the more that 5,000 Home projects are “delayed” or “cancelled” (employing the metrics used by the Post). Moreover, the Post misleadingly gives the impression that funds were squandered, when in fact HUD policy stipulates that “[if] there are delays, money can be moved to other viable projects or must be returned if it is not used within five years.” Donovan then goes on to defend the decentralized nature of the HUD grants, which give large discretion to local communities and their governments, by suggesting that this framework is a preferable to a “one-size-fits-all” federal mandate.

In addition to what could be blatant misrepresentations or mistakes, the article is unfair in a number of other respects. For starters, it assumes more regulations and requirements are a solution, while ignoring the fact that these could quite possibly further stifle such developments. Moreover, it completely neglects to contrast the HUD programs with the ways in which the private sector has aimed to deliver affordable housing in recent years. While this phenomenon also resulted from public-private partnerships, namely government policies encouraging homeownership and many private entities vying to advantage from government guarantees by engaging in the lucrative process of securitizing credit, the private sector likewise failed, resulting in the financial crisis. The HUD developments, which involve the government to a greater extent than most other housing developments, are one of the few bright spots of economic creation in the housing industry, which many commentators have pointed out is crucial to broader economic recovery. Let’s keep this in mind, and give the developments a chance.

We at St. Ambrose were also particularly chagrined about the fact that the article seemingly attempts to paint the entire Department of Housing and Urban Development in a negative light. The Post does this in part by implying that HUD is a single-faceted organization aimed at the development of new properties for low-income citizens. While it is true that this area comprises a major part of HUD’s activity, the organization also provides other, far different services, many of which remain crucial to mitigating the widespread financial pain incurred by the current financial crisis. These services include both mortgage and foreclosure prevention counseling—we believe that the former type of assistance needs to be implemented on a large scale, as mortgage counseling is often key to ensuring that families understand their commitments, the terms of their mortgages, and what it will take to keep above water over the long term. As for the latter, we know that foreclosure prevention assistance is paramount in enabling families to stay in their homes longer. Take for example our unique study on foreclosure prevention conducted earlier this month, which among other things found that 70% of homeowners that underwent counseling in 2007 reported positive outcomes, and that homeowners who utilized counseling services were 79% more likely to experience a positive outcome. (More insight on the study will appear here next week).

More than anything, in light of Donovan’s straightforward statistics, which serve to debunk much of the Post’s shocking data, we wonder how the Post could have come up with numbers that contrast so sharply with HUD’s. As far as we know, the Post is yet to respond to Donovan, and on this point we think it may be fair to take a hint from one of Baltimore’s great social critics, David Simon. In Season 5 of The Wire, the city’s local paper runs into some problems with balancing sensationalism with thorough, honest journalism. And while we certainly don’t equate the Post series with Scott Templeton, it’s reasonable to suspect that the Post may be guilty of a similar, all too common imbalance.