When David started volunteering with the local chapter of Habitat for Humanity it became apparent to him that there was a disconnect between the labor, a group of retirees who found joy in being helpful, and the members of the board, people still in the workforce who were either too busy to do a proper job or not interested enough to take volunteer work seriously. For instance, when a home was nearing completion, and the crew was ready to look to the next project, it was dismaying to find that no preparation had been made. With a half-dozen future homeowners approved and on the waiting list, work came to a halt simply because no property had been selected and no permits sought. Among the ranks, grumbling ensued.
So David started attending the board meetings to see what was going on and if there was a way to move things along. What he discovered was an hour dedicated to personal discussion and a hurried fifteen minutes spent on Habitat business. Tasks like loan approvals, background checks, and property assessments were assigned; but at the next meeting it turned out that no one had done what they’d promised to do—and they weren’t even embarrassed to admit it. In our home invectives were flung—inept inefficient blatherers!
So here David is, a few years later, the new president of the Habitat board. To hear him tell it, he inherited a financial fiasco. For instance, in a couple of cases, homeowners were expected to make regular payments, but no account had been set up for them to pay into. Months went by and the homeowners, with no place to send their payments, simply never paid; and, coming to expect that payments would never be required, they spent their money elsewhere. So David, flummoxed and indignant, is now forced to be the bad guy, informing these people that not only can they not live in their homes for free, but they’re going to have to come up with the payments they should’ve been making all along.
Today he tells me that he needs to go see what’s going on at an old Habitat house in Kingsland. Interested, I invite myself along.
The situation, as he explains it, is this: The house is fourteen years old. Initially, regular payments were made, but they stopped seven years ago, with ten thousand of the debt still outstanding.
The house has no number and it looks more like a cabin than a house. Nevertheless, our phones tell us we’ve arrived. The neighborhood is made up of a combination of very old squatty ranch homes and newly built small, inexpensive homes. The habitat house looks like what it is—a twelve-hundred square foot rectangle plopped amongst trees and never maintained. Built sideways on a pleasantly shaded lot, there’re two doors and it’s impossible to tell which one is the front. On one side, in a driveway of hard dirt, there are two rundown trucks that aren’t going anywhere, and one old SUV that looks like it might still serve its purpose. Beyond them is a storage shed so old and splintery that it’s literally coming apart at the seams. The door on the opposite side of the house opens to a wooded area and is made prominent by a broad inviting porch. Old fashioned coolers hang from several windows.
Being me, I want the human side of the story. Are the original owners still living here? If not, who is? Why did the payments stop? Any children in the original household would be grown by now; but, evidenced by bikes and toys, there are obviously children in residence.
In this part of the world, where meth labs are common and not every house has a refrigerator but you can bet they’ve got a gun, approaching someone’s property where you’re not known and haven’t been invited is risky—but David is brave. I stay in the car while he walks around the house taking pictures.
“Get one of that big truck!” I hiss from the window. He complies.
Eventually he makes his way to a door (front or back?) and knocks. Waits, knock again. I can feel someone inside, stealthily peering out, aware that a stranger knocking can only mean one thing—someone wants money.
David gives up and we drive away.
“What’re you going to do?” I ask.
“We can foreclose, or we can pay them to get out.”
“You can’t pay them after they’ve lived here for free for ten years.”
I’m indignant. Getting paid for not paying your debt is a ridiculous proposition.
“If we foreclose it goes to the bank. If the bank sells it, we’ll get the ten thousand owed, and the bank keeps the rest. But if Habitat pays them a few thousand to get out, we can go in and fix the place up, then sell it to someone who’ll pay for it and take care of it.”
“Even with remodeling, it wouldn’t be nearly as nice as the Habitat houses yall’re building now. Who wants a house without central air?”
“No one I know.”
“What’re you going to do? Who decides?”
“I’ll present it to the board. Ultimately, they’ll do what I recommend.”
“And what’ll that be?”
He sighs. Habitat is a topsy-turvy quagmire.