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Home Is Where the Fraud Is

Banksy. Crayon House Foreclosure, East Los Angeles. Via Occupy.com

David Dayen | Chain of Title: How Three Ordinary Americans Uncovered Wall Street’s Great Foreclosure Fraud | The New Press | May 2016 | 26 minutes (7,150 words)

Below is an excerpt from Chain of Title, by David Dayen, the true story of how a group of ordinary Americans took on the nation’s banks at the height of the housing crisis, calling into question fraudulent foreclosure practices. This story is recommended by Longreads contributing editor Dana Snitzky

* * *

How could you not know who I am if you’re suing me?

Lisa Epstein drove down Highway A1A, along the Intracoastal Waterway, back to her old apartment in Palm Beach. At her side was her daughter Jenna, in a car seat; atop the dashboard was an envelope containing the monthly payment on her unsold co-op. Though her house was in foreclosure, Lisa always paid the mortgage on the apartment, her fallback in case of eviction.

Lisa gazed at the water out the window. She never wanted to miss mortgage payments; Chase told her to do it and promised assistance afterward, but then put her into foreclosure. The delinquency triggered late fees, penalties, and notifications to national credit bureaus. A damaged credit score affected a mortgage company’s decision to grant loan relief, which hinged on the ability to pay. Even if Lisa managed to finally sell the apartment, even if she could satisfy the debt on the house, the injury from this “advice” would stick with her for years. Chase Home Finance never mentioned the additional consequences, emphasizing only the possibility of aid. The advice was at best faulty, at worst a deliberate effort to seize the home. Lisa spent a lifetime living within her means, guarding against financial catastrophe. Now Chase Home Finance obliterated this carefully constructed reputation. She felt tricked.

America has a name for people who miss their mortgage payments: deadbeats. Responsible taxpayers who repay their debts shouldn’t have to “subsidize the losers’ mortgages,” CNBC host Rick Santelli shouted from the floor of the Chicago Board of Trade on February 19, 2009, two days after Lisa got her foreclosure papers. “This is America! How many of you people want to pay for your neighbor’s mortgage, that has an extra bathroom and can’t pay their bills, raise your hand!” The floor traders in Chicago, between buying and selling commodity futures, hooted. This rant would later be credited as the founding moment of the Tea Party. And it signified a certain posture toward delinquent homeowners, a cultural bias that equated missing the mortgage payment with failing the duties of citizenship. The indignation didn’t account for mortgage companies driving customers into default. However, lenders welcomed anything that humiliated deadbeats into blaming themselves. In most cases it worked: in the twenty-three states that required judicial sign-off for foreclosures, around 95 percent of the cases went uncontested.

But Lisa had an inquisitive mind. Before she would acquiesce, she wanted to understand the circumstances that led to this lawsuit from U.S. Bank, an entity she had never encountered before seeing it listed as the plaintiff. She had three questions: who was this bank, why did it have a relationship with her, and why was it trying to take her house? Read more…

What Ever Happened to ‘The Most Liberated Woman in America’?

All Illustrations by Michael Tunk

Alex Mar | Atlas Obscura | June 2016 | 27 minutes (6,812 words)

 

Atlas ObscuraOur latest Exclusive is a new story by Alex Mar, author of the book Witches of America, co-funded by Longreads Members and published by Atlas Obscura.

I am standing in the living room of a wood-paneled modular house out in the Nevada desert. Alongside me is Barbara Williamson, once called “the most liberated woman in America”; and slinking toward us, across the grayed-out carpeting, is a large, muscular, wild animal.

Now 78, Barbara had driven me here in a massive red pickup. The plan was to make tea and have a good talk in her office (just past the meditation room). But first, she wanted to introduce me to someone.

“Are you ready?” she asked.

Sure.

I followed Barbara through the kitchen.

Peggy Sue,” she called out gently. “Are you awake? Peggy Sue…”

We turned the corner into the living room, and that’s when I saw her. Her eyes are huge and almond-shaped, her ears point upwards (a signature of the breed), and her paws are striking in their size. Peggy Sue is a Siberian lynx, over 60 pounds, with powerful legs and sharp, two-inch-long canine teeth. She has not been de-clawed. I’d been aware of this fact, but only in this moment does it truly register: Barbara shares her home with what is, more or less, a small tiger.

“I wanted the wildness,” Barbara says. “I have a streak in me that just has a lot of wild desires, and it makes me feel really good to be accepted by a wild animal—I don’t know for what reasons. Back to the old motto: ‘If it feels good, do it!’”

Barbara, with her close-cut, bright-white hair and fuchsia lipstick, in light blue jeans and an ’80s-graphic parachute jacket, strokes the thick fur on the animal’s back and invites me to do the same. As we stand closer, each of us stroking Peggy Sue’s flanks, Barbara tells me they sleep together in the bed at night, sometimes curled up around one another.

Nearer now, the lynx looks a little raggedy, her skin a little loose, her long tail capped with two strange clumps of fur. She recently turned 20 years old—that’s how long ago Barbara retired to the small desert town of Fallon, Nevada, with her husband John. Out here on their 10-acre plot, the two created a spontaneous, guerilla-style sanctuary for “big cats.” Gradually, though, the creatures died of old age: three cougars, four bobcats, two tigers, two Barbary lions, a serval, two lynxes—and finally, three years and one month ago (Barbara keeps count), John himself. And now Barbara lives alone, with a single exotic animal, elderly herself, as her closest companion.

The lynx butts its head up against my legs.

“That’s a love gesture,” Barbara says.

The enormous cat does it again—two, three, four more times. I can feel the size and weight of her skull as she pushes me.

I’m aware that the affection she gives she can take away in a second. Read more…

Can Clinton’s Campaign Take Control of the Narrative in Time?

Image by Gage Skidmore

The idea that, at this point, there is some version of Hillary Clinton that we haven’t seen before feels implausible. Often, it feels like we know too much about her. She has been around for so long — her story, encompassing political intrigue and personal drama, has been recounted so many times — that she can seem a fictional character. To her critics, she is Lady Macbeth, to her adherents, Joan of Arc. As a young Hillary hater, I often compared her to Darth Vader — more machine than woman, her humanity ever more shrouded by Dark Side gadgetry. These days, I think of her as General Leia: No longer a rebel princess, she has made a wry peace with her rakish mate and her controversial hair and is hard at work, mounting a campaign against the fascistic First Order.

– Rebecca Traister followed Hillary Clinton on the campaign trail for this profile in New York magazine. With access afforded to few journalists, she saw both sides of the narrative made flesh: the stiff, loud, pedantic arena performer and the engaged, relaxed (yes, relaxed!), nose-to-the-grindstone public servant.

Read the full story

A Liberated Woman: The Story of Margaret King

Emma Garman | Longreads | May 2016 | 16 minutes (4,200 words)

 

In October 1786, 27-year-old feminist philosopher Mary Wollstonecraft journeyed from London to her new temporary home: an imposing Palladian-style mansion in County Cork, Ireland. Set in 1,000-plus acres of woodland, flanked by colonnades leading to outbuildings, and featuring statued terraces, vineyards, and conservatories, Mitchelstown Castle was the seat of Robert and Caroline King, who as Lord and Lady Kingsborough were the country’s largest landowners.

To Wollstonecraft’s radical sensibilities, such aristocratic excess was anathema. (As, no doubt, was the depiction of The Rape of Proserpina that graced the mansion’s entrance hall ceiling.) Still, she needed to financially support herself, as well as her two sisters, so had agreed to join the Kingsborough household’s 80-strong staff as governess to three girls. Caroline, it was rumored, had dismissed Wollstonecraft’s predecessor for sleeping with Robert. But she viewed the new hire as trustworthy, a principled woman of intellect unlikely to catch her husband’s eye. And Wollstonecraft, who had already written her first book—the soon to be published Thoughts on the Education of Daughters—wasn’t about to start batting her eyelashes at his lordship. His “countenance,” she wrote sniffily to her sister Eliza, “does not promise much more than good humour.” Read more…

Unchain My Heart: On the Emotional Effectiveness—and Lingering Sexism—of Jewish Divorce

Illustration by Kjell Reigstad

Sari Botton | Longreads | May 2016 | 21 minutes (4,983 words)

Initially, the twenty-story Manhattan office building threw me off. I had in my hand the address for a beth din, a rabbinic court, and had pictured a cluttered rabbi’s study in some old world synagogue—like the one in the divorce scene in Hester Street, the 1975 film about a Jewish immigrant couple at the turn of the twentieth century, starring a very young Carol Kane.

I rode the elevator up to find my ex-husband on a couch in the reception area—yes, this was the place—and settled in a full cushion’s distance from the person I’d once revolved my life around, the man whom I’d walked in seven symbolic circles around during our wedding ceremony, seven years before. Read more…

Postwar New York: The Supreme Metropolis of the Present

Demobilized soldiers returning to New York. Via Flickr.

David Reid | The Brazen Age: New York City and the American Empire: Politics, Art, and Bohemia | Pantheon | March 2016 | 31 minutes (8,514 words)

 

The excerpt below is adapted from The Brazen Age, by David Reid, which examines the “extraordinarily rich culture and turbulent politics of New York City between the years 1945 and 1950.” This story is recommended by Longreads contributing editor Dana Snitzky

* * *

Probably I was in the war.

—NORMAN MAILER, Barbary Shore (1951)

*

A hideous, inhuman city. But I know that one changes one’s mind.

In march 1946 the young French novelist and journalist Albert Camus traveled by freighter from Le Havre to New York, arriving in the first week of spring. Le Havre, the old port city at the mouth of the Seine, had almost been destroyed in a battle between its German occupiers and a British warship during the Normandy invasion; huge ruins ringed the harbor. In his travel journal Camus writes: “My last image of France is of destroyed buildings at the very edge of a wounded earth.”

At the age of thirty-two this Algerian Frenchman, who had been supporting himself with odd jobs when the war began, was about to become very famous. By 1948, he would become an international culture hero: author of The Stranger and The Plague, two of the most famous novels to come out of France in the forties, and of the lofty and astringent essays collected in The Myth of Sisyphus.

Camus’s visit to the United States, sponsored by the French Ministry of Foreign Affairs but involving no official duties, was timed to coincide with Alfred A. Knopf’s publication of The Stranger in a translation by Stuart Gilbert, the annotator of James Joyce’s Ulysses. In the spring of 1946 France was exporting little to the United States except literature. Even most American readers with a particular interest in France knew of Camus, if at all, as a distant legend, editor of the Resistance newspaper Combat and an “existentialist.”

Reviewing The Stranger in the New Yorker, Edmund Wilson, usually omniscient, confessed that he knew absolutely nothing about existentialism except that it was enjoying a “furious vogue.” If there were rumored to be philosophical depths in this novel about the motiveless murder of an Arab on a North African beach, they frankly eluded him. For Wilson the book was nothing more than “a fairly clever feat”—the sort of thing that a skillful Hemingway imitator like James M. Cain had done as well or better in The Postman Always Rings Twice. America’s most admired literary critic also had his doubts about Franz Kafka, the writer of the moment, suspecting that the claims being made for the late Prague fabulist were exaggerated. But still, like almost everyone else, especially the young, in New York’s intellectual circles Wilson was intensely curious about what had been written and thought in occupied Europe, especially in France.

“Our generation had been brought up on the remembrance of the 1920s as the great golden age of the avant-garde, whose focal point had been Paris,” William Barrett writes in The Truants, his memoir of the New York intellectuals. “We expected history to repeat itself: as it had been after the First, so it would be after the Second World War.” The glamorous rumor of existentialism seemed to vindicate their expectations. Camus’s arrival was eagerly awaited not only by Partisan Review but also by the New Yorker, which put him in “The Talk of the Town,” and Vogue, which decided that his saturnine good looks resembled Humphrey Bogart’s. Read more…

Mark Haddon: ‘Ultimately, There Is No Narrative Without Death’

Photo: Rory Carnegie

Jessica Gross | Longreads | May 2016 | 15 minutes (3,709 words)

 

The Curious Incident of the Dog in the Night-Time was Mark Haddon’s first novel, and the one that made him famous. Told from the perspective of an emotionally limited young man named Christopher, the book has sold millions of copies and is now being performed on Broadway. But Haddon was writing long before Curious Incident, including many books and picture books for children, and has been just as prolific since.

Haddon’s new short story collection The Pier Falls deals largely in darkness. The descriptions, soaked through with detail, often verge on the grotesque. In the title story, a pier collapses, bringing many lives with it, a process Haddon details with excruciating exactitude. In “Bunny,” we witness the effects of the protagonist’s obesity, while in “The Weir,” a newly separated middle-aged man saves a young woman from a suicide attempt, yielding an unlikely friendship. Haddon and I spoke by phone about the infusion of death and destruction in his work, his writing process, and his fascination with writing about fatally arrogant men. Read more…

Six Stories for Mother’s Day

Photo: Lori

My mom and I won’t be together on Mother’s Day this year. I’m in western New York for a friend’s wedding. She’s home in Maryland—relaxing, I hope, but more likely preparing for another week of teaching. We have a lot in common, especially our love of books and thrift stores. We carry our weight in the same parts of our bodies (sorry for mentioning it, Ma). We both have short hair. We have the same middle name and the same urge to overachieve.

One thing I admire about my mom is her fearlessness when it comes to starting over. A musician for decades, she went to graduate school (again!) in her 40s and became a children’s librarian. She parted ways with the church our family attended for a decade and found a new spiritual home, a church (coincidentally, I’m sure) two blocks from my own apartment. And she’s always down for trying interesting foods, new hobbies, new clothes or exciting hair colors—currently, she’s sporting a platinum pixie cut with lavender tips. She always surprises me. Our relationship isn’t always smooth, but it’s ours.

This week, I’ve collected stories about new moms, missing moms, dead moms and boomer moms, if only to demonstrate that there is no one way to have a mother or not have a mother. Some of us have toxic relationships with our moms and are better off—mentally, physically, spiritually—without them. Some of us have lost our moms to diseases, accidents, or time itself. And still others of us are becoming moms—every day, another Facebook friend announces she’s pregnant. Mother’s Day can be a day of meditation or just another Sunday. But I hope, truly, that it is a day of contentment, no matter how you celebrate.

(Past lists on this holiday include A Collection of Stories About Not Choosing Motherhood and Reading List: Mother’s Day.) Read more…

An Exegesis on Spanking Fetishists

Jessica Gross | Longreads | April 2016 | 23 minutes (5,803 words)

 

In 2012, Jillian Keenan came out as a spanking fetishist in a “Modern Love” essay for The New York Times. It marked the beginning of not only her involvement in the spanking community, but her freelance career as well. Since then, Keenan has written a series of controversial polemics—a case for legalizing polyamory, an argument that spanking is a sex act—as well as reported from countries across the globe.

In her new memoir, Sex With Shakespeare, Keenan examines her own relationships with both spanking and love through the lens of her longstanding obsession with Shakespeare. His characters, who appear in dialogue with Keenan, have as forceful a presence as the people in her life. I visited Keenan at her home in New York City, where we spoke about the difference between fetish and kink, her view of her fetish as innate, and her firm belief that spanking children is an act of sexual abuse.

This book struck me as such an empathetic text. I feel like sometimes, in our current cultural climate, there’s a lot of anger at and dismissal of anyone who’s ignorant about a topic, and I really appreciated that you treated the reader who didn’t know anything about fetishes with a lot of respect. Was that something you thought about as you were writing it? Or is that just how you feel, and it came out naturally as you were writing?

It’s not something I thought of consciously, but I’m thrilled to hear that’s what came across. I was conscious of the fact that, in my opinion, there’s nothing unique about the experience of feeling isolated. Whereas maybe most people don’t feel ashamed or isolated because they think about spanking all the time, I think that probably everyone has something in their lives—whether in their sex lives or in another part of their lives—that they feel insecure about or ashamed of or fearful about.

I didn’t want to act as if the experience of feeling lonely and ashamed is something that I needed to explain to people. I think that everyone already knows what that feels like. I was just trying to tell a story about the specifics of why I felt that way, and how I worked through it to the extent that I did. Read more…

The Defenders

Common space at the Bronx Defenders. All photos by Matthew Van Meter.

Matthew Van Meter | April 2016 | 25 minutes (6,411 words)

This story was co-published with The Awl and funded by Longreads Members.

 

On December 20, 2013, Christine Morales got up at seven to make breakfast for Kierra, her two-year-old daughter. They lived in a public housing project in Hunt’s Point in the south Bronx, where Morales worked as a security guard at a grocery store. When they were getting ready to leave, the door of the apartment exploded. Police officers burst in, carrying shields, guns drawn. One waved a search warrant; Kierra started to wail. As an officer pushed Morales to the wall and handcuffed her wrists, her mind raced: she thought through everything she had ever done wrong, trying to understand what had brought the police into her home.

Morales’s arrest instantly set in motion a chain of dispiriting events. Because Kierra was two, and the arrest was for a drug charge, the Administration of Children’s Services opened an investigation. Because Morales lived in public housing, the New York City Housing Authority began eviction proceedings. The police built a case to lock her out of her apartment under a Nuisance Abatement law. Finally, she lost her security license, so she could not go to work.

After spending the night in central booking, Morales was assigned a public defender, Seann Riley, for her arraignment at Bronx Family Court. He asked her about her case and her concerns; she said she just wanted to see her daughter again. The prosecutor read her charge aloud: possession with intent to distribute—Morales’s boyfriend had been dealing drugs out of their apartment. However, Riley pointed out that when police raided the apartment, they had been looking for her boyfriend, not her. The judge released Morales. Meanwhile, her father had taken Kierra to family court, where a lawyer from the child-protection agency insisted that she be placed in foster care for protection. Morales’s boyfriend pleaded guilty to felony drug possession, and, two weeks after her arrest, the prosecutor dropped all the charges against her.

At her family court hearing, Morales learned that Kierra would not be coming home, despite the lack of charges. The judge told her she wasn’t trustworthy, and that her boyfriend had taken the fall for her. She was allowed to see her daughter, supervised, at the child protection facility. When time came to leave, Kierra would ask why she couldn’t go home with mommy, and Morales would try to explain, trying to keep it together until she walked out the door.

Morales’s experience is common in New York, and more common still in the Bronx. Kierra was one of more than ten thousand children placed in foster care, almost all after suspicion of parental neglect—a catchall term that includes everything from excessive corporal punishment to missing doctor appointments. Morales’s poverty was her vulnerability: living in public housing subjects a resident to twenty-four-hour surveillance and automatic eviction after being charged with even low-level crimes.

When the criminal charges against her were dropped, her public defender had technically done his job. The government is required to provide a lawyer to help people through criminal court, nothing more. But Morales’s lawyer was from the Bronx Defenders, which extends representation from criminal court to family court, housing court, and immigration court. Morales was one of 30,000 Bronx Defenders clients in 2014—the only criminal defendants in the city or the country to receive these across-the-board services.

Even after her charges were dropped, Morales had a family attorney and a parent advocate to challenge the family court judge’s ruling. When the police locked her out of her apartment, a civil lawyer from her team got them to let her back in after a few hours. Her advocate, who is not a lawyer, helped her set up parenting classes, and a social worker checked in with her to see how she was dealing with life alone and to offer moral support. Kierra finally came home in June 2014, six months after the arrest. Read more…