The ACORN study found that high foreclosure rates cause higher rates of crime, lower tax revenue and property values. In other words, whole minority communities, not just individuals, are hurt when houses go under, said Hilary Shelton, director of the Washington D.C. Bureau of the NAACP.
"The individual stories are heart-wrenching," said Shelton. "Part of the American dream, is being able to have a safe secure home where you can raise your family."
"But if we go beyond that and see how it affects entire groups ... we know there is a racial factor," said Shelton.
Despite the foreclosure notice on his house, Clavon still owns it. He'd like to sell, but can't find a buyer.
"The facts are there. So-called minorities are disproportionately represented in these loans," Clavon said about subprime lending.
"You can make out of that what you will."