To add to our coverage of sketchy Halloween costumes and the social significance of costume themes Ann K., Dolores R., Tessa S., Zeynep A., and occasional guest blogger Brady Potts all sent in an opinion column that ran in the New York Times on Friday about a costume party at Steven J. Baum, a law firm near Buffalo, NY. Steven J. Baum specializes in representing banks and mortgage companies as they attempt to foreclose on homes and evict the residents; according to the NYT piece, it is the largest such firm in New York, representing clients such as Bank of America and JP Morgan Chase.
Apparently the company has a big annual Halloween party, with employees encouraged to dress up and the office elaborately decorated. In 2010, the theme in one department was…mocking people who are losing their homes. Part of the office was decorated as “Baum Estates,” a set of foreclosed-upon homes, and some employees dressed up as residents of homes in foreclosure, whom they depict as dirty, pathetic, booze-loving liars. Part of the room was decorated as foreclosed homes; the sign says “Foreclosure Sale.”
Recently I posted about Philip Zimbardo’s research on conformity and the ways that seemingly normal people become involved in horrible acts, and I think his research has some relevance here. It’s possible these employees are all openly mean-spirited, callous people who lack compassion, and that they were like that before they got to Steven J. Baum. But more likely, they are reacting to a corporate culture that gives clear signals that this type of attitude and behavior is acceptable. Indeed, according to the NYT article,
When we spoke later, [the former employee who sent the photos] added that the snapshots are an accurate representation of the firm’s mind-set. “There is this really cavalier attitude,” she said. “It doesn’t matter that people are going to lose their homes.” Nor does the firm try to help people get mortgage modifications; the pressure, always, is to foreclose.
For these employees, there’s going to be a powerful motivation to view people being foreclosed upon as lying, stupid cheats. Day after day, your job is to help kick people out of their homes. Your workplace has made it clear that the preferred outcome is always to foreclose, not to help people get loan modifications that might allow them to stay in their homes. Your job, by definition, requires you to not try to help people, even when they have legally-guaranteed options available.
Given that situation, belittling the homeowners, dehumanizing them, thinking of them as just stumbling blocks who cause you headaches with their complaints that you haven’t followed proper procedure, their efforts to legally block the foreclosure proceedings, their various attempts to avoid becoming homeless…those seem like unsurprising outcomes encouraged as part of the corporate culture, and job requirements, described at Steven J. Baum.
—————————
UPDATE: It appears that Steven J. Baum PC has folded in the aftermath of this scandal. Reports Globe St.:
Gwen Sharp is an associate professor of sociology at Nevada State College. You can follow her on Twitter at @gwensharpnv.New York’s largest foreclosure firm, Steven J. Baum PC, has announced “mass layoffs,” signaling that the firm is closing its doors. The move followed recent decisions by Fannie Mae and Freddie Mac to stop referring new cases to the embattled firm.
Comments 43
Yrro Simyarin — October 31, 2011
Sounds like a really bad idea to let those leak out onto the internet, from a PR perspective.
Shaneequa Sarkozy — October 31, 2011
I am completely lost for words. Phrases like "class warfare" and "burn their damn houses down" keep coming to mind, but I just can't think of anything appropriate to say.
NiceLady — October 31, 2011
I have a feeling this firm soon wont exist...
Anonymous — October 31, 2011
> Your workplace has made it clear that the preferred outcome is always to
foreclose, not to help people get loan modifications that might allow
them to stay in their homes.
Just for clarification, Steven J. Baum is not a bank, it's a foreclosure firm. Banks hand mortgages to SJB with the instruction to "get those guys out of our asset". It's a bank's job to modify a loan, and it's a law firm's job to foreclose on you and liquidate the asset.
The law firm by definition does not work for its clients' opposition, which happens to be the customers. If the bank has a policy of telling its customers no to restructuring and sending them to foreclosure, that's the bank's fault. SJB is just enabling it.
Asdfasdf — October 31, 2011
Yes, clearly offensive in a deeply disturbing way.
When I read this in the Times, I went to the firms site and noticed this page: http://www.mbaum.com/SJB/about.jsp
Steven Baum took over the law firm from his father Marvin. Now if only all of these people who are having their homes foreclosed could have successful lawyers for fathers that will one day pass on the firm to them! The absolute arrogance of the rich to genuinely believe that they deserve all of the accumulated benefits that they guard so jealously is disgusting.
The rich are are not smarter or more hard-working than working class folks: they are just taught to believe that. I think, to sit a rich person down who came from money and was educated accordingly etc. - to sit them down and ask them if they deserve and earned all of the wealth they have - the vast majority would feel they did earn what they have. I dare say that when questioned if they would have been just as successful if they hadn't grown up privileged would they still be in the position they are now, most would still say that they would be doing quite well and would have risen above the mire to succeed where most fail.
I feel sad for the admin staff and the lowly lawyers who are themselves a lot closer to being evicted than they would like to believe. Like how swear words come from our insecurities (sex, religion etc) these employees must fear becoming the thing that they fear the most - the foreclosed upon. I think it is a legitimate fear because they know the cards are stacked against people in that position and that it would be a terrifying position to be in.
LunaZola — October 31, 2011
I was on pinterest and saw a lot of people reposting this image, http://www.coolest-homemade-costumes.com/coolest-homeless-child-costume-2.html, and saying how cute it is. There is a bigger problem going on than just this firm's inner culture.
Thomas Gokey — October 31, 2011
I think you hit the nail on the head when you cite Zimbardo here. I've been thinking a lot about the Stanford prison experiment with OWS, especially in terms of social role theory. The police are being cast in the role of the villain, and that role molds them into actual villains. But the same thing is happening in reverse with the protesters. They're "occupying" the role of the courageous non-violent, principled people within the larger structure of the drama, and the mold--with a power of it's own--is actually making them into different, better people than they otherwise would be.
Anonymous — October 31, 2011
Wow, holy shit...this is insane. The words that escape me go something like "Fuck," "shit," and "WHAT THE FUCK ARE THEY DOING!?"
Anonymous — October 31, 2011
This post shows another example of implicit bias in the specific language we use: the post continually refers to the houses as though they belong to the current residents, "...kick people out of their homes," "...allow them to stay in their homes," "...belittling the homeowners..."
You're not a home owner until the mortgage is paid, a fact which you'd think the late crisis would have made clear to people.
Derangierte Einsichten - Leseliste — November 1, 2011
[...] Sociological images hat Bilder von der Halloweenparty eines Anwaltsbüros, auf der man sich als jemand verkleiden konnte, dem das Haus weggenommen wurde. Der Beitrag beleuchtet außerdem, wie eine Bürokultur derartige Menschenbilder schaffen kann. [...]
Baiskeli — November 1, 2011
Troll outbreak in aisle 5
Anonymous — November 1, 2011
Any basis for calling the people depicted liars, or are you just throwing accusations around?
Eric Watkins — November 1, 2011
Zambardo is, IHMO, a charlatan, and whatever the Stanford Prison thing was, it cannot remotely be called an "experiment" by any scientifically meaningful definition of the term.
http://skeptoid.com/episodes/4102
Aeon Blue — November 1, 2011
More than pressure from the firm, I'm sure it's also a matter of individual self-esteem. If you're going to make a living harassing people, you have to convince yourself that they're ignorant, cheating, sub-human liars that deserve it. If you doubt that for a second, or leave room to believe that something else might be even partly responsible, then you open yourself up to being the Bad Guy, and you can't do your job thinking of yourself like that. So you turn it around, make it a black and white issue and label yourself the Good Guy and them the Bad Guy. I've seen people that work as debt collectors with the same attitude. (e.g. "I'm just doing my job, which I wouldn't have to do if s/he was a decent, honest, responsible human being like me and paid their bills on time instead of lying and trying to weasel out of it."
Banker Scum Halloween Party Mocks Homeless Forcelosure Fraud Victims — November 1, 2011
[...] Legal Firm’s Halloween Party Mocks Foreclosures by Gwen Sharp, 11 hours ago at 12:45 pm [...]
Richard Sievert — November 1, 2011
They are all liars that is a nice word for them our government sinners to me they are, Horrible
Dishonorable Unhonorable satanic sicko’s with power! And they should
not be a protected people period!
And one day they will all pay for turning our country into and ‘Army of Darkness’ my
In my city Olympia there are people living in a park brave poor people and not one busness or corporation has lifted a hand to help them and guess what The Alpha and Omega is watching them! I am ashamed of the rich bankers and people that could offer them something say 'FOOD' But no our greedy country and city just laugh's and pretends they are not there! Well guess what one day the joke is going to be on you!
Picture of the Day | The Realities of Real Estate — January 29, 2012
[...] we have hit rock bottom? This could be more than meets the eye. Here is the article on this picture. Share this:Like this:LikeBe the first to like this post. This [...]
Ubryanp — February 16, 2012
I feel like many are missing the point that those in power view those losing their homes as drunk, homeless, dirty, lazy people. This just isn't the case, and as more and more people fall on hard times, I think we're coming to realize that luck and family/connections has a lot more to do with socioeconomic status than skill or talent or hard work.
Derangierte Einsichten - Waas? [/Sarkasmus] — March 15, 2012
[...] ist doch klar. So, wie sich auch Anwälte, die Menschen aus ihren Häusern schmeißen, über diese Menschen lustig machen – oder alternativ auch Ärzte über sehr kranke Patienten amüsieren, ist so ein Verhalten eine [...]