The foreclosure crisis is not just about figures and statistics. It is something real involving – humans and animals. The crisis cannot be brushed under the carpet with long debates and dole outs. Foreclosures are gnawing into the heart of society – a symptom of a deep-rooted malaise that needs a comprehensive approach.

The foreclosed victims are given eviction notices. They leave with a sense of shock and frustration. Many are resorting to suicide. Others are taking shelter under bankruptcy laws – demeaning and eroding for the self-respect. Marriages are breaking up. Children are traumatized with sudden change in life style in a bewildering world where they move away leaving out friends and pets. The elderly pray for death.

But not all take such a negative attitude. Before leaving, the ex-owners vandalize the house. They break down doors, rip off fittings, keep the water running – in short do as much damage as they can. Holes are made in walls. Worst of all some have even defaced the house with faces. Stale food and garbage litter the house and the yards raising a stink. The howl of deserted chained dogs can send shivers down the neighborhood raising superstitious fears of dark days ahead as the nation slumps into decay and depression. It is the people that make up the nation. It is the families that brick by brick make up the country.

Empty derelict houses standing abandoned all over the country are causing grave concern. Weeds have taken over gardens. Stagnant unsafe pools have become the happy playground of snakes, frogs and mosquitoes. The latter are multiplying bringing in dreaded West Nile virus. Fires are breaking out. Schools are empty. After dark the neighbours cower looking at the fearful relics of a credit culture age.

Nature hates vacuum. It is not just snakes and rats but the scum of society move in stealthily into these houses. They are the drug peddlers, prostitutes and hoodlums. They give the finishing touches to the havoc. Often fights break out. Neighbours call in the police. But with fewer taxes the police force and fire brigade just do not have the infrastructure to tackle this rise in crime and arson. Neighbours are pitching in themselves to bring about some sort of order for their own safety. In such a locality the price of adjacent houses are bound to fall. Who will want to buy a house and live here?

The lenders have eaten more houses than they can digest. They too do not have the staff and organization to manage so many units. Meanwhile they are facing the ire of the public. Politicians in Washington are bestirring themselves worried about the vote banks. While the law making bodies dither and argue the middle class are living in cars. In Detroit derelict houses are being bulldozed and people have started farming the land for food. Some have turned to marijuana cultivation for quick profits.

Laws are being framed at the local level to enforce lenders to maintain the houses or face heavy penalty.

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