Dispossessed: how predatory bureaucracy foreclosed on the American middle class
"In the aftermath of the 2008 financial crisis, more than 14 million U.S. homeowners lost their homes to foreclosure. Focusing on the hard-hit Sacramento Valley, Noelle Stout uncovers the hellish bureaucracy that organized the largest bank seizure of residential homes in U.S. history. Stout rev...
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Oakland, California
University of California Press
[2019]
|
| Schriftenreihe: | California series in public anthropology
44 |
| Schlagworte: | |
| Zusammenfassung: | "In the aftermath of the 2008 financial crisis, more than 14 million U.S. homeowners lost their homes to foreclosure. Focusing on the hard-hit Sacramento Valley, Noelle Stout uncovers the hellish bureaucracy that organized the largest bank seizure of residential homes in U.S. history. Stout reveals the failure of banks' mortgage assistance programs, backed by over $300 billion of federal funds, to deliver on the promise of relief. Unlike the programs of the Great Depression, in which the government took on the toxic mortgage debt of Americans, these corporate bureaucracies ultimately denied 70 percent of homeowner applicants. In the voices of bank employees and 'dispossessed' homeowners, Stout exposes the tense confrontations between borrowers and banks, reveals how call center representatives felt about denying appeals, and shares the fears of families living on the brink of eviction. Stout exposes the everyday life of rising inequality--for whites who felt their middle-class life unraveling to communities of color who experienced a more precipitous and dire decline. Trapped in a maze of mortgage assistance, borrowers began to view debt refusal as a moral response to lenders. Stout shows how these seemingly mundane bureaucratic dramas came to redefine the meaning of debt and dispossession, opening the door to current contests about the meaning of indebtedness"--Provided by publisher |
| Beschreibung: | x, 265 Seiten |
| ISBN: | 9780520291775 9780520291782 |
Internformat
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| 008 | 190604s2019 b||| 00||| eng d | ||
| 020 | |a 9780520291775 |c (cloth : alk. paper) |9 978-0-5202-9177-5 | ||
| 020 | |a 9780520291782 |c (pbk. : alk. paper) |9 978-0-5202-9178-2 | ||
| 035 | |a (OCoLC)1105595657 | ||
| 035 | |a (DE-599)BVBBV045910010 | ||
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| 049 | |a DE-188 |a DE-19 | ||
| 082 | 0 | |a 332.17530979454 |2 23 | |
| 100 | 1 | |a Stout, Noelle M. |d 1976- |e Verfasser |0 (DE-588)1188845810 |4 aut | |
| 245 | 1 | 0 | |a Dispossessed |b how predatory bureaucracy foreclosed on the American middle class |c Noelle Stout |
| 264 | 1 | |a Oakland, California |b University of California Press |c [2019] | |
| 300 | |a x, 265 Seiten | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 490 | 1 | |a California series in public anthropology |v 44 | |
| 505 | 8 | |a Introduction: Once sold, twice taken : a life undone -- Dream it, own it : genealogies of speculation and dispossession in the valley -- Put out : bank seizure at the poverty line -- Robbing Peter to pay Paul : relocating the middle class -- Can't work the system : the troubled sympathies of corporate bureaucrats -- We shall not be moved : the shifting moral economies of debt refusal -- You can't go home again | |
| 520 | 3 | |a "In the aftermath of the 2008 financial crisis, more than 14 million U.S. homeowners lost their homes to foreclosure. Focusing on the hard-hit Sacramento Valley, Noelle Stout uncovers the hellish bureaucracy that organized the largest bank seizure of residential homes in U.S. history. Stout reveals the failure of banks' mortgage assistance programs, backed by over $300 billion of federal funds, to deliver on the promise of relief. Unlike the programs of the Great Depression, in which the government took on the toxic mortgage debt of Americans, these corporate bureaucracies ultimately denied 70 percent of homeowner applicants. In the voices of bank employees and 'dispossessed' homeowners, Stout exposes the tense confrontations between borrowers and banks, reveals how call center representatives felt about denying appeals, and shares the fears of families living on the brink of eviction. Stout exposes the everyday life of rising inequality--for whites who felt their middle-class life unraveling to communities of color who experienced a more precipitous and dire decline. Trapped in a maze of mortgage assistance, borrowers began to view debt refusal as a moral response to lenders. Stout shows how these seemingly mundane bureaucratic dramas came to redefine the meaning of debt and dispossession, opening the door to current contests about the meaning of indebtedness"--Provided by publisher | |
| 650 | 4 | |a Predatory lending / California / Sacramento | |
| 650 | 4 | |a Reverse discrimination in mortgage loans / California / Sacramento | |
| 650 | 4 | |a Collection laws / Moral and ethical aspects / California / Sacramento | |
| 650 | 0 | 7 | |a Hauseigentümer |0 (DE-588)4460346-0 |2 gnd |9 rswk-swf |
| 650 | 0 | 7 | |a Vertriebener |0 (DE-588)4078868-4 |2 gnd |9 rswk-swf |
| 651 | 4 | |a California / Sacramento | |
| 689 | 0 | 0 | |a Vertriebener |0 (DE-588)4078868-4 |D s |
| 689 | 0 | 1 | |a Hauseigentümer |0 (DE-588)4460346-0 |D s |
| 689 | 0 | |5 DE-604 | |
| 776 | 0 | 8 | |i Erscheint auch als |n Online-Ausgabe |a Stout, Noelle M., 1976- |t Dispossessed |d Oakland, California : University of California Press, [2019] |z 9780520965423 |
| 830 | 0 | |a California series in public anthropology |v 44 |w (DE-604)BV014549962 |9 44 | |
| 999 | |a oai:aleph.bib-bvb.de:BVB01-031292630 | ||
Datensatz im Suchindex
| _version_ | 1804180080648257536 |
|---|---|
| any_adam_object | |
| author | Stout, Noelle M. 1976- |
| author_GND | (DE-588)1188845810 |
| author_facet | Stout, Noelle M. 1976- |
| author_role | aut |
| author_sort | Stout, Noelle M. 1976- |
| author_variant | n m s nm nms |
| building | Verbundindex |
| bvnumber | BV045910010 |
| contents | Introduction: Once sold, twice taken : a life undone -- Dream it, own it : genealogies of speculation and dispossession in the valley -- Put out : bank seizure at the poverty line -- Robbing Peter to pay Paul : relocating the middle class -- Can't work the system : the troubled sympathies of corporate bureaucrats -- We shall not be moved : the shifting moral economies of debt refusal -- You can't go home again |
| ctrlnum | (OCoLC)1105595657 (DE-599)BVBBV045910010 |
| dewey-full | 332.17530979454 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.17530979454 |
| dewey-search | 332.17530979454 |
| dewey-sort | 3332.17530979454 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Book |
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| geographic | California / Sacramento |
| geographic_facet | California / Sacramento |
| id | DE-604.BV045910010 |
| illustrated | Not Illustrated |
| indexdate | 2024-07-10T08:30:05Z |
| institution | BVB |
| isbn | 9780520291775 9780520291782 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-031292630 |
| oclc_num | 1105595657 |
| open_access_boolean | |
| owner | DE-188 DE-19 DE-BY-UBM |
| owner_facet | DE-188 DE-19 DE-BY-UBM |
| physical | x, 265 Seiten |
| publishDate | 2019 |
| publishDateSearch | 2019 |
| publishDateSort | 2019 |
| publisher | University of California Press |
| record_format | marc |
| series | California series in public anthropology |
| series2 | California series in public anthropology |
| spelling | Stout, Noelle M. 1976- Verfasser (DE-588)1188845810 aut Dispossessed how predatory bureaucracy foreclosed on the American middle class Noelle Stout Oakland, California University of California Press [2019] x, 265 Seiten txt rdacontent n rdamedia nc rdacarrier California series in public anthropology 44 Introduction: Once sold, twice taken : a life undone -- Dream it, own it : genealogies of speculation and dispossession in the valley -- Put out : bank seizure at the poverty line -- Robbing Peter to pay Paul : relocating the middle class -- Can't work the system : the troubled sympathies of corporate bureaucrats -- We shall not be moved : the shifting moral economies of debt refusal -- You can't go home again "In the aftermath of the 2008 financial crisis, more than 14 million U.S. homeowners lost their homes to foreclosure. Focusing on the hard-hit Sacramento Valley, Noelle Stout uncovers the hellish bureaucracy that organized the largest bank seizure of residential homes in U.S. history. Stout reveals the failure of banks' mortgage assistance programs, backed by over $300 billion of federal funds, to deliver on the promise of relief. Unlike the programs of the Great Depression, in which the government took on the toxic mortgage debt of Americans, these corporate bureaucracies ultimately denied 70 percent of homeowner applicants. In the voices of bank employees and 'dispossessed' homeowners, Stout exposes the tense confrontations between borrowers and banks, reveals how call center representatives felt about denying appeals, and shares the fears of families living on the brink of eviction. Stout exposes the everyday life of rising inequality--for whites who felt their middle-class life unraveling to communities of color who experienced a more precipitous and dire decline. Trapped in a maze of mortgage assistance, borrowers began to view debt refusal as a moral response to lenders. Stout shows how these seemingly mundane bureaucratic dramas came to redefine the meaning of debt and dispossession, opening the door to current contests about the meaning of indebtedness"--Provided by publisher Predatory lending / California / Sacramento Reverse discrimination in mortgage loans / California / Sacramento Collection laws / Moral and ethical aspects / California / Sacramento Hauseigentümer (DE-588)4460346-0 gnd rswk-swf Vertriebener (DE-588)4078868-4 gnd rswk-swf California / Sacramento Vertriebener (DE-588)4078868-4 s Hauseigentümer (DE-588)4460346-0 s DE-604 Erscheint auch als Online-Ausgabe Stout, Noelle M., 1976- Dispossessed Oakland, California : University of California Press, [2019] 9780520965423 California series in public anthropology 44 (DE-604)BV014549962 44 |
| spellingShingle | Stout, Noelle M. 1976- Dispossessed how predatory bureaucracy foreclosed on the American middle class California series in public anthropology Introduction: Once sold, twice taken : a life undone -- Dream it, own it : genealogies of speculation and dispossession in the valley -- Put out : bank seizure at the poverty line -- Robbing Peter to pay Paul : relocating the middle class -- Can't work the system : the troubled sympathies of corporate bureaucrats -- We shall not be moved : the shifting moral economies of debt refusal -- You can't go home again Predatory lending / California / Sacramento Reverse discrimination in mortgage loans / California / Sacramento Collection laws / Moral and ethical aspects / California / Sacramento Hauseigentümer (DE-588)4460346-0 gnd Vertriebener (DE-588)4078868-4 gnd |
| subject_GND | (DE-588)4460346-0 (DE-588)4078868-4 |
| title | Dispossessed how predatory bureaucracy foreclosed on the American middle class |
| title_auth | Dispossessed how predatory bureaucracy foreclosed on the American middle class |
| title_exact_search | Dispossessed how predatory bureaucracy foreclosed on the American middle class |
| title_full | Dispossessed how predatory bureaucracy foreclosed on the American middle class Noelle Stout |
| title_fullStr | Dispossessed how predatory bureaucracy foreclosed on the American middle class Noelle Stout |
| title_full_unstemmed | Dispossessed how predatory bureaucracy foreclosed on the American middle class Noelle Stout |
| title_short | Dispossessed |
| title_sort | dispossessed how predatory bureaucracy foreclosed on the american middle class |
| title_sub | how predatory bureaucracy foreclosed on the American middle class |
| topic | Predatory lending / California / Sacramento Reverse discrimination in mortgage loans / California / Sacramento Collection laws / Moral and ethical aspects / California / Sacramento Hauseigentümer (DE-588)4460346-0 gnd Vertriebener (DE-588)4078868-4 gnd |
| topic_facet | Predatory lending / California / Sacramento Reverse discrimination in mortgage loans / California / Sacramento Collection laws / Moral and ethical aspects / California / Sacramento Hauseigentümer Vertriebener California / Sacramento |
| volume_link | (DE-604)BV014549962 |
| work_keys_str_mv | AT stoutnoellem dispossessedhowpredatorybureaucracyforeclosedontheamericanmiddleclass |