Cynthia was told she’d have to pay a flat fee of $5,000 to save her home. She folded, and her home will be offered up at an auction this fall. Cynthia is not alone. These obstacles, combined with the fact that few eligible homeowners know about the exemption, resulted in tens of thousands of low-income Detroiters losing their homes for inability to pay taxes they should’ve never been charged. This foreclosure crisis had a disproportionately devastating effect on African-American homeowners, who are often more likely to be foreclosed on than non-black homeowners.