Negative Effects of Home Foreclosures on Mental and Physical Health Risks

Negative Effects of Home Foreclosures on Mental and Physical Health Risks

Owusu Kizito (InvestiGroup LLC, Hillside, NJ, USA)
Copyright: © 2015 |Pages: 19
DOI: 10.4018/IJRCM.2015040101
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The rising rate of home foreclosures which stands at approximately 1 in 92 households in the United States has raised a national alarm. Medical issues account for approximately half of all home foreclosure filings and it appears that approximately 1.5 million American homeowners could lose their homes to foreclosure every year. The phenomenological method was applied to explore the problems through the participant's lived experience. Four core themes were revealed: foreclosure process resulting in hospitalization of family and foreclosure associated with the lack of family's health insurance, family health and the foreclosure process, and foreclosure and the negligence of doctor's prescription, foreclosure as perceived loss of money and finally homeownership, displacement and housing instability as a reason for depression. The study provides a framework for local practitioners and decision makers in identifying the consequences on the physical and mental health of the participants and their families and providing a workable foreclosure response system.
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Problem Statement And Research Objectives

The general problem is that even though “stress is a normal part of everyday life, . . . the high levels of anxiety, shame, uncertainty, and fear likely associated with home foreclosure may contribute to a host of physical and mental illness” (Kingsley et al., 2009, p. 3). The health-related concerns of home foreclosures on families are mostly unexplored (Housing Program of Jefferson Parish, 2007). The specific problem is that the potential deleterious consequences of home foreclosures on physical and mental health remain generally unknown. Families in foreclosure may have more health problems than do their unaffected counterparts (Childs, 2008). Kalita (2011) found a rise of 100 foreclosures accounted for 12% more emergency and hospital visits for the individuals involved, and for an increase of 100 foreclosures, 39% more suicide-attempt patients went to emergency rooms and were hospitalized.

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