It has been more than two years since Sandra Hines got shoved out of her family's home of 38 years, but her loss still feels fresh and raw. She remains proud of her northwest Detroit neighborhood. Its streets are lined with stately trees and dozens of modest brick and concrete houses like the one her family called home for a generation. Today, the two story house sits empty, but through the window a ladder and can of paint can be spotted in the living room -- signs that the new owner has been here working.

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"It's easy for people at risk of foreclosure to keep spiraling and spiraling," adds Wilhelmina Leigh, a senior researcher at the Joint Center for Political and Economic Studies. Three years into that spiral, she says, "We still don't have the kind of infrastructure we need to help."

Meanwhile, the recessionary forces are compounding upon one another. Foreclosures stemming from the subprime schemes that swept communities of color have now been largely replaced by foreclosures caused by job losses. "Foreclosures are hitting people who had been doing okay," explains Leigh, "who hadn't gotten an adjustable arm and now they've lost their jobs."

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