Issues Economic and Social Justice Underwater Homeowners Face a Tax Time Bomb

UnderwaterHomeownersThe letter from Bank of America Home Loans got right to the point. “We are pleased to inform you that we have approved your Home Equity Account for participation in a principal forgiveness program offered as a result of the Department of Justice and State Attorneys General global settlement with major mortgage servicers.” In the letter, which I obtained from an anti-foreclosure activist, Bank of America offered the homeowner full forgiveness of their entire home equity loan balance of over $177,000. But then Paragraph 5 came with an ominous warning: “Please be aware that we are required to report the amount of your cancelled principal debt to the Internal Revenue Service.”

Under current law, a principal reduction like this would be exempted from tax liability. However, that law, the Mortgage Forgiveness Debt Relief Act, expires at the end of the year, and after that, any mortgage debt forgiveness provided to a borrower will count as gross income for tax purposes, potentially costing millions of families several billion dollars. In the above case, the borrower would be required to pay taxes on the entire $177,000 amount forgiven by the bank, as if it were earned income. And that’s money that struggling homeowners simply don’t have.

“They wouldn’t be able to handle it,” said Peggy Mears of the Alliance of Californians for Community Empowerment, a community organizing group in California that has worked extensively on foreclosure issues. “If they could handle it, they wouldn’t be in arrears with their house notes. They don’t have that kind of money.”

The tax issue could significantly disrupt a still-fragile housing market and rob homeowners of the tools to pull themselves out of mortgage debt. It also represents a final indignity for homeowners who have been abused by the fraudulent mortgage practices of leading banks for years. Just when they think they get relief from their troubles, they get hit with a massive tax bill they cannot pay. “This has the effect of pulling people up with one hand, and hitting them in the face and knocking them over the cliff with the other,” said Sen. Jeff Merkley, D-Ore., who supports extending the law.

The issue dates back to 2007, when the housing bubble first started to deflate. Rep. Brad Miller, D-N.C., was tasked by the then-chairman of the House Financial Services Committee, Barney Frank , D-Mass., to find ways to help borrowers who would get caught up in the ensuing carnage. Miller’s search led him to Section 181 of the tax code. “I heard about the fact that interest reductions are not treated as income and principal reductions are, which creates a huge problem for modifying mortgages and solving the foreclosure crisis,” Miller said.

The odds of foreclosure largely correlate with a borrower’s level of indebtedness. A homeowner who’s “underwater,” meaning he or she owes more on the home than it’s worth, is far more likely to miss payments that a borrower with equity. And studies show that principal reductions do a far better job than any other kind of loan modification in helping borrowers maintain payments and avoid foreclosure. If you privilege other modifications through the tax code, like reducing the interest rate, over principal reductions, you punish those homeowners receiving the most sustainable type of modification, and eventually take them off the table, leading to a weaker housing recovery.

“I suggested to Barney [Frank] that we create an exemption for principal reductions,” Miller said. “Barney said to me, ‘Let’s go talk to Richie,’” meaning Richard Neal, the chairman of the tax-writing subcommittee in the House. Neal agreed to help, and the change got added as an amendment to an unrelated bill.

That first exemption lasted three years, but the foreclosure crisis lingered on beyond that. Democrats were able to include an extension in the larger deal that extended all of the Bush tax cuts for two years. Now the law is scheduled to expire again on Dec. 31, 2012. Any debt relief that completes after that date would be taxable.

The difference now is that principal reductions and other debt relief are set to become more widespread. Banks have been extremely resistant over the last several years to grant principal reductions, which forces them to take an up-front loss. Even if, over time, the greater probability of the borrower maintaining the payments makes it more cost-efficient for the bank than the risk of a bigger loss in foreclosure, banks do not want to mark the immediate loss on their books. In addition, mortgage servicers, who manage securitized loans sold to investors, get compensated through a percentage of unpaid principal balance, so principal forgiveness represents a direct cut into their profits.

Because of the mortgage settlement, banks are mandated to forgive at least $10 billion of principal, as a punishment for using false documentation to foreclose on homeowners, among other abuses. Though this is a relatively small amount of forgiveness (homeowners have roughly $700 billion in negative equity on their mortgages), the implications for the borrowers who receive it are significant. A $100,000 principal reduction for a family making the median adjusted gross income of $32,393 would calculate to an additional tax bill of roughly $21,200. And most homeowners threatened with foreclosure and in need of a principal reduction have far poorer finances than the median. “’I’m on unemployment and I just got a $20,000 tax bill?’” said Ira Rheingold of the National Association of Consumer Advocates. “This would be so counter to public policy, it makes absolutely no sense.”

In addition, the tax exemption also covers short sales, which have increasingly become an option for banks and homeowners to avoid foreclosure. In a short sale, the bank agrees to allow homeowners to sell their property for less than the value of their mortgage, forgiving the balance. The borrower walks away from the home without an eviction, the property sells at a higher price in a short sale than a foreclosure sale, and the bank doesn’t have the expense of maintenance and upkeep on the property between eviction and the foreclosure sale. Short sales increased 25 percent year-over-year in the first quarter of 2012. But if the exemption expires, the homeowner would have to pay tax on the balance forgiven by the bank in a short sale, making this option much less attractive.

The mortgage settlement added several other cases where homeowners would have to pay taxes on awards from banks. Under the settlement, up to 750,000 foreclosure victims, who have already lost their homes, will receive checks of $2,000 as compensation for foreclosure fraud. But the settlement language did not make clear that the cash reward represented compensatory damages, and as a result, these checks could be taxed. Similarly, service members stand to get compensation of $116,800 or more, due to a series of violations under the Servicemembers Civil Relief Act, including incidents where banks illegally foreclosed on military members while they were deployed overseas. But because of the vagueness of the language, they could be taxed as well. Rep. Brad Miller said he advised those involved in writing the settlement that they should try to make everything, including the mandated principal reductions, explicitly portrayed as compensatory damages, to ensure the exclusion from tax liability. “They had no idea what I was talking about,” Miller said.

At this point, only Congress can fix this problem by extending the exemption, and there are two parallel efforts underway to do so. Sen. Debbie Stabenow, D-Mich., has sponsored a bill, S.2250, which would prevent taxation on all debt forgiveness, like principal reduction or short sales, through the end of 2013. That bill has 17 co-sponsors, including four Republicans (Dean Heller, Scott Brown, Susan Collins and Johnny Isakson), as well as the support of the White House, which called for it in its proposed budget. Rep. Jim McDermott, D-Wash., has a more extensive bill in the House, H.R.4290, which would not only relieve the tax burden for principal forgiveness, but also exempt the direct cash payments to homeowners from the mortgage settlement. It would also stop banks from taking a deduction for any payments they make for Servicemembers Civil Relief Act violations. That bill has 42 co-sponsors, but no Republicans. “I wanted to put an idea out there and let it cook,” McDermott said. “I can’t ram it through, I can’t get a hearing on it in the Ways and Means Committee. But people can look at it, decide it’s a good idea, take it and shape it.”

Given that this is in essence a tax cut – the Congressional Budget Office estimates that excluding principal reductions from taxation for two more years will save recipients $2.7 billion — many Democrats in Washington believe that Republicans will eventually get onboard. But that’s no guarantee. “I’m not sure we can get that extended,” Rep. Miller said. “Republicans are not keen on principal reduction in the first place. When we extended the law in 2010, that was considered a give to Democrats.” Given that the tax issue would in all likelihood bring principal reductions to a screeching halt, Republicans could view resisting an extension as a way to stop something where they have ideological opposition. And it could be used as a bargaining chip in other negotiations.

In addition, it’s not like Congress has nothing to work on in the lame duck session, where this will probably get decided. Lawmakers must navigate a host of issues, including trillions of dollars in fiscal measures like the Bush tax cuts, the automatic sequester of $1.2 trillion in discretionary and defense spending, the alternative minimum tax and much more. With all this packed into a short space of legislating, the principal reduction issue could easily get lost in the shuffle. And it’s not as if Washington has made a priority out of granting relief to homeowners over the past several years. “In a rational world with a rational Congress, I would not be concerned,” Rheingold, of NACA, said. “But we don’t have that.”

At stake is the future of the housing market itself. Though analysts keep touting a bottoming out of prices and home sales, the numbers suggest that there’s still a long way to go, and the biggest stumbling block remains negative equity. “For us to get to a housing recovery, we really do need significant principal reduction,” said Rheingold. “As we’re seeing the first signs of doing any principal reduction or short sales, if this tax relief is allowed to expire, it would really do tremendous damage.”

But consumer and housing advocates have not engaged on the issue yet, though they have relentlessly demanded more principal reductions. “It’s not something that a lot of us have been thinking or talking about,” acknowledged Rheingold. “We’re thinking about implementation of the settlement, and whether there will be principal reductions, not these other hazards.” Housing advocates have called on Ed DeMarco, the head of the Federal Housing Finance Agency, to authorize principal reductions on loans owned by Fannie Mae and Freddie Mac. And his rejection of this has spurred calls for President Obama to fire him. But this issue, which would punish the beneficiaries of those principal reductions with a giant tax bill, has not generated the same level of outrage.

There’s still time for a fix. An extension would probably get folded into some other must-pass bill at the end of the legislative session, reasoned Sen. Merkley. There’s also the possibility of dealing with it retroactively sometime in 2013, before homeowners get the big surprise on their 2013 taxes. “I’ve heard no one defend the way the law will go,” Merkley said. Rep. McDermott, the lead sponsor in the House, saw options as well. “The legislative process can move very rapidly when it wants to,” he said. “When there’s a will, there’s always a way. What’s troublesome is finding out if anybody cares.”

Peggy Mears, of ACCE, said that her organization would begin to talk to its members about the issue. “We’re going to refuse to give up fighting for homeowners,” she said. “It would be a shame for people in Congress to pull money out of the consumer’s pockets.”

Without a strong push from outside advocates and attention from lawmakers, an extension will be a challenge. And homeowners abused by banks throughout the mortgage process would suffer a final nightmare courtesy of the Internal Revenue Service. “Of all the tax changes likely to expire,” Rep. Brad Miller said, “this is the one that causes me the most concern.”

Link to original article from Salon

Economic and Social Justice - ESJ Articles

IOT-ESJ Articles

Prev Next Page:

Poor kids who do everything right don’t do better than rich kids who do everything wrong

Poor kids who do everything right don’t do better than rich kids who do everything wrong

America is the land of opportunity, just for some more than others. That's because, in large part, inequality starts in the crib. Rich parents can afford to spend more time and money on their kids, and that gap has only grown the past few decades. Indeed, economists Greg Duncan and Richard Murnane calculate that, between 1972 and 2006, high-income parents increased their spending on "enrichment activities" for their children by 151 percent in inflation-adjusted terms, compared to 57 percent for low-income parents. But, of course, it's not just a matter of dollars and...

Matt O'Brien | The Washington Post 20 Oct 2014 Hits:579 ESJ Articles

Read more

Ten Facts about Being Homeless in USA

Ten Facts about Being Homeless in USA

Three True Stories Renee Delisle was one of over 3500 homeless people in Santa Cruz when she found out she was pregnant.  The Santa Cruz Sentinel reported she was turned away from a shelter because they did not have space for her.  While other homeless people slept in cars or under culverts, Renee ended up living in an abandoned elevator shaft until her water broke. Jerome Murdough, 56, a homeless former Marine, was arrested for trespass in New York because he was found sleeping in a public housing stairwell on a cold...

Bill Quigley | Common Dreams 20 Oct 2014 Hits:312 ESJ Articles

Read more

Why Government Spends More Per Pupil at Elite Universities Than at Public Universities

Why Government Spends More Per Pupil at Elite Universities Than at Public Universities

Imagine a system of college education supported by high and growing government spending on elite private universities that mainly educate children of the wealthy and upper-middle class, and low and declining government spending on public universities that educate large numbers of children from the working class and the poor. You can stop imagining. That's the American system right now. Government subsidies to elite private universities take the form of tax deductions for people who make charitable contributions to them. In economic terms a tax deduction is the same as government spending. It...

Robert Reich | Huffington Post 20 Oct 2014 Hits:86 ESJ Articles

Read more

These People Can Make Student Loans Disappear

These People Can Make Student Loans Disappear

It was an ordinary Friday. Courtney Brown, 24, of Kalamazoo, Mich., was busy looking for a job. "I've applied all kinds of places," she says. "Wal-Mart, Target, Verizon Wireless." Then she got a strange letter in the mail. " 'We are writing you with good news,' " she reads to me over the phone. " 'We got rid of some of your Everest College debt. ... No one should be forced to mortgage their future for an education.' " The letter went on to say that her private student loan from a...

Anya Kamenetz | NPR 05 Oct 2014 Hits:351 ESJ Articles

Read more

CFPB Accuses Corinthian Colleges Of Cheating Students

CFPB Accuses Corinthian Colleges Of Cheating Students

For-profit education company Corinthian Colleges Inc. misled students into taking out unaffordable loans by falsely advertising job prospects, then used illegal debt collection tactics to force distressed students to pay up, according to a lawsuit filed Tuesday by the U.S. Consumer Financial Protection Bureau. Corinthian owns Everest Institute, Everest College, WyoTech and Heald colleges, which collectively have more than 70,000 students and annually receive $1.4 billion in federal financial aid. The company is winding down all its operations in an agreement with the U.S. Department of Education. The CFPB alleges that Corinthian...

Shahien Nasiripour | Huffington Post 21 Sep 2014 Hits:220 ESJ Articles

Read more

Fracking workers exposed to dangerous amounts of benzene, study says

Fracking workers exposed to dangerous amounts of benzene, study says

Some workers at oil and gas sites where fracking occurs are routinely exposed to high levels of benzene, a colorless gas that can cause cancer, according to a study by the National Institute for Occupational Health and Safety. The agency, which is part of the Centers for Disease Control and Prevention, recommends that people limit their benzene exposure to an average of 0.1 of a part per million during their shift. But when NIOSH researchers measured the amount of airborne benzene that oil and gas workers were exposed to when they...

12 Sep 2014 Hits:437 ESJ Articles

Read more

Ferguson isn’t about black rage against cops. It’s white rage against progress.

Ferguson isn’t about black rage against cops. It’s white rage against progress.

When we look back on what happened in Ferguson, Mo., during the summer of 2014, it will be easy to think of it as yet one more episode of black rage ignited by yet another police killing of an unarmed African American male. But that has it precisely backward. What we’ve actually seen is the latest outbreak of white rage. Sure, it is cloaked in the niceties of law and order, but it is rage nonetheless. Protests and looting naturally capture attention. But the real rage smolders in meetings where officials...

Carol Anderson | The Washington Post 01 Sep 2014 Hits:573 ESJ Articles

Read more

'This is the Story of Power in this Country': Ferguson, Institutionalized Racism and the M…

'This is the Story of Power in this Country': Ferguson, Institutionalized Racism and the Militarization of Police

Last week, after days of violent police rampages in Ferguson, Missouri, Senate Armed Services Committee Chairman Carl Levin (D-Michigan) said the Senate will "review" the Defense Department program that gives military weapons and equipment to civilian police departments for free. It took five apocalyptic nights in Ferguson for Levin to make that statement, but the national dialogue on the militarization of police has begun. Only it didn’t just take Ferguson. It took years of violent arrests. Exposés that revealed small towns being patrolled by tanks and big cities controlled by force. Rampant...

Nadia Prupis | Common Dreams 28 Aug 2014 Hits:536 ESJ Articles

Read more

Meet Carolina, Who Brought Her Daughters 1,500 Miles To The U.S. So They Wouldn’t Be Raped

Meet Carolina, Who Brought Her Daughters 1,500 Miles To The U.S. So They Wouldn’t Be Raped

We met Carolina while visiting a “welcome center” for recently-processed immigrants at Sacred Heart Catholic Church in McAllen, Texas. She emerged from a sweltering relief tent that sheltered a handful of other fatigued travelers, most of whom, like her, had been released by Border Patrol just hours prior. She stood what couldn’t have been more than five feet tall, but her weary eyes hinted at her age. She looked tired, but then, she should: she reportedly had just finished a journey of more than a thousand miles, and still had...

Jack Jenkins and Esther Yu-Hsi Lee | Think Progress 03 Aug 2014 Hits:592 ESJ Articles

Read more

The U.S.Created Child Migrant Crisis

The U.S.Created Child Migrant Crisis

When a coup removed the democratically-elected leftist president of Honduras in June 2009, receiving tacit support from the U.S. State Department, the American people barely took notice. Then when the United States increased military funding in its little protectorate to reinforce the new right-wing regime installed there, the American public still remained largely unaware and unconcerned. Even after it was reported that Honduras had become “the most dangerous country in the world” a year after the coup (it still is), and that a campaign against drug cartels in Mexico had made...

Hector Luis Alamo, Jr | Latino Rebels 03 Aug 2014 Hits:1775 ESJ Articles

Read more

Has AFSCME Found the Cure to Harris v. Quinn?

Has AFSCME Found the Cure to Harris v. Quinn?

The just-released results of a six-month initiative by the American Federation of State, County and Municipal Employees (AFSCME) suggest that the dark cloud cast over public sector unionism by a recent Supreme Court decision may not be so threatening after all. Many analysts saw the court’s ruling last month in Harris v. Quinn as a profound blow to public sector unions such as AFSCME. In a case involving workers who receive state funds to provide home care for people with disabilities, the court found that the Service Employees International Union (SEIU) could not...

David Moberg | In These Times 20 Jul 2014 Hits:363 ESJ Articles

Read more

The U.S. Government Treats Detained Immigrants Like Slaves

The U.S. Government Treats Detained Immigrants Like Slaves

The New York Times reported that one national employer relied on the labor of more than 60,000 immigrant workers last year to cook, clean, and do laundry while living behind locked doors and barbed wire. The employer paid them only $1 per day – or in some cases, compensated them with nothing more than soda and candy bars.  In one facility, people who organized a work stoppage and hunger strike were thrown into solitary confinement. Yet when asked to comment, federal authorities claimed that this is all completely legal and none...

Carl Takei | ACLU Blog of Rights 29 Jun 2014 Hits:382 ESJ Articles

Read more

Will the Supreme Court Kill Public-Employee Unions?

Will the Supreme Court Kill Public-Employee Unions?

Forget Wisconsin Gov. Scott Walker and his fellow union-bashing governors. Forget the partisan Republican attacks on organized labor. The gravest threat today to public-employee unions—which represent cops, firefighters, prison guards, teachers, nurses, and other city and state workers—is a Supreme Court case named Harris v. Quinn, which could be decided as early as this Tuesday. And, strangely enough, it is the court's most sharp-tongued conservative, Justice Antonin Scalia, who could ride to organized labor's rescue. The case pits several of the nation's mightiest labor unions, such as the Service Employees International...

Andy Kroll | Mother Jones 03 Jun 2014 Hits:673 ESJ Articles

Read more

AFGE Fights Back on 2025!

AFGE Fights Back on 2025!

SSA Bargaining Unit Employees: SSA is now seeking your ideas for a Vision 2025 plan.  What SSA is not telling you is that they already have a draft plan that is a product of the Academy with the framework of that plan given to the Academy by SSA leadership. The draft plan has certain principles that we cannot agree with.  First it states that the basis for a Vision for 2025 must be that online services are the primary means for delivering customer service.  This is a change from SSA's long time...

Witold Skwierczynski | National Council of Social Security Administration Field Operations 31 May 2014 Hits:441 ESJ Articles

Read more

Invisible Social Security Cuts: Now You See Them, Now You Don’t

Invisible Social Security Cuts: Now You See Them, Now You Don’t

The unseen hand of antigovernment ideology can be found everywhere nowadays – even in your mailbox. The proof is in what you won’t find there, like your annual statement of earned Social Security benefits. The government stopped mailing those out in 2011. It’s also getting a lot harder to find Social Security field offices, or to find someone to pick up the phone, as the Social Security Administration enters into yet more rounds of steep budget cuts. Social Security customer service: Now you see it, now you don’t. The Most Efficient Benefit Program in...

Richard Eskow | Campaign for America's Future 31 May 2014 Hits:832 ESJ Articles

Read more

Jobs group seeks city money

Jobs group seeks city money

The Charlotte economy is improving, but a number of residents pleaded with the Charlotte City Council on Monday, asking that the city not forget those without jobs and low-wage city workers. As part of the public hearing on the city’s proposed fiscal year 2015 budget, a group called Coalition for Jobs asked council members for $10 million in seed money for a jobs subsidy program. The group hopes to find jobs for 1,000 long-term unemployed residents. The jobs would pay $10 an hour, and would be subsidized at different amounts for six...

Steve Harrison | Charlotte Observer 14 May 2014 Hits:483 ESJ Articles

Read more

Student Loan Forgiveness Plans Could Be A Victim Of Their Own Success

Student Loan Forgiveness Plans Could Be A Victim Of Their Own Success

Student loan debt in the U.S. currently totals more than $1 trillion, with some predicting it will only get worse as tuition increases continue to outpace inflation. Recently launched federal student loan forgiveness programs were intended to provide relief to some of these borrowers, but the plans’ unexpected popularity has created a new set of concerns. With tuition costs rising by an average of 6% each year over the last decade and students graduating with an average of $29,000 in student loan debt, which can prevent consumers from making big purchases...

Ashlee Kieler | Consumerist 03 May 2014 Hits:758 ESJ Articles

Read more

80 percent of U.S. adults face near-poverty, unemployment, survey finds

80 percent of U.S. adults face near-poverty, unemployment, survey finds

Four out of 5 U.S. adults struggle with joblessness, near-poverty or reliance on welfare for at least parts of their lives, a sign of deteriorating economic security and an elusive American dream. Survey data exclusive to The Associated Press points to an increasingly globalized U.S. economy, the widening gap between rich and poor, and the loss of good-paying manufacturing jobs as reasons for the trend. The findings come as President Barack Obama tries to renew his administration's emphasis on the economy, saying in recent speeches that his highest priority is to "rebuild...

CBS News 30 Mar 2014 Hits:690 ESJ Articles

Read more

This is no recovery, this is a bubble – and it will burst

This is no recovery, this is a bubble – and it will burst

According to the stock market, the U.K. economy is in a boom. Not just any old boom, but a historic one. On 28 October 2013, the FTSE 100 index hit 6,734, breaching the level achieved at the height of the economic boom before the 2008 global financial crisis (that was 6,730, recorded in October 2007). Since then, it has had ups and downs, but on Feb. 21, 2014 the FTSE 100 climbed to a new height of 6,838. At this rate, it may soon surpass the highest ever level reached since the index...

Ha-Joon Chang | The Guardian 01 Mar 2014 Hits:844 ESJ Articles

Read more

5 Worst States to Be a Poor Kid

5 Worst States to Be a Poor Kid

    Last year, America placed next to last in a ranking of child well-being in 35 developed countries, barely beating out Romania. A recent report by the Children's Defense Fund helps explain how the US earned that distinction. According to the report, 1-in-5 American children live in relative poverty. Close to half of poverty-stricken kids live in extreme poverty, which means their families earn less than half the  poverty level of $11, 746 per year for a family of four.    Since the Great Recession began in 2009, there's been a 73 percent jump in...

Tana Ganeva | AlterNet 20 Feb 2014 Hits:2906 ESJ Articles

Read more

VW workers not first Southern auto workers to face choice on union

VW workers not first Southern auto workers to face choice on union

All eyes are on Chattanooga, Tenn. as 1,500 Volkswagen workers file into voting booths this week to determine whether they will be represented by the United Auto Workers. Unlike most U.S.-based employers, Volkswagen has remained neutral on the question of unionization, in part hoping that its workers could then legally form a works council like other VW workers around the world. Tennessee Gov. Bill Haslam (R) and U.S. Senator Bob Corker (R-Tenn.) are trying to convince the workers to vote no, and some local elected officials are now threatening to yank...

Lane Windham | Facing South 14 Feb 2014 Hits:566 ESJ Articles

Read more

Sign the Petition

Button-DetroitWater

 

Team Leader - Economic and Social Justice

Randy_Shannon
Randy Shannon
Pennsylvania

Contact us at:
econ-justice@pdamerica.org

PDA Issues

PDA is organized around several core issues. These issues include:

Each team hosts a monthly conference call. Calls feature legislators, staffers and other policy experts. On these calls we determine PDA legislation to support as well as actions and future events.

113th Congress ESJ - Legislation

ESJ - Legislation


Subscribe to Economic and Social Justice
View this group

Audio Recordings of Recent Economic & Social Justice Calls

  • 11-05-2014 Economic and Social Justice

    Listen to this month's joint call with the Stop Global Warming team as Randy Shannon leads an open discussion on green jobs and energy.

  • 10-01-2014 Economic and Social Justice

    Listen to this month’s call with regional organizer, Mackenzie Baris from Jobs with Justice, a union sponsored grass roots movement builder for jobs and pay equity. Near the end of the call Congresswoman Jan Schakowsky (IL-09) joins us for...

  • 09-03-2014 Economic and Social Justice

    Listen to this month's call with special guest, Andrea Miller, the new co-Executive Director of PDA. Andrea will guide us through the endorsement of Rep. Hank Johnson's bill on the demilitarization of our police forces, talk about the re-introduction...

  • 08-06-2014 Economic and Social Justice

    Listen in this month to guest David Schwartzman, who discusses the job creating potential of confronting climate change and the issue of how the transition to a solar power system can be achieved without economic disruption.

  • 06-04-2014 Economic and Social Justice

    Listen to this month's call to hear about plans to decimate Social Security, what the American Federation of Government Employees is doing about it, and what PDA can do to help save Social Security.

  • 05-07-2014 Economic and Social Justice

    Listen in as we speak with Student Debt Crisis' Director and Co-Founder, Natalia Abrams. Find out what Student Debt Crisis is doing at the forefront of this issue, and about the legislation they endorse (HR 1330: The Student Loan Fairness Act,...

Like Jobs for All

Blog Talk Radio Shows

PR Rank