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Posts Tagged ‘Illinois’

In Foreclosure Mediation, Make It Easy to Participate

Jennifer Shack, June 25th, 2015

When it comes to foreclosure mediation, how a program is designed has a large impact on eligible homeowners. That was the broad finding of the evaluation of six foreclosure mediation programs in Illinois I just completed. The evaluation assessed the first year of the programs funded by the Illinois Attorney General, using data from an online case management and program monitoring system that allowed all but one of the programs to collect the same data using uniform definitions for each data point. The six programs are located throughout the state:

  • The 6th Judicial Circuit (Champaign County only), serving a university town and a largely rural county in Central Illinois
  • The 16th Judicial Circuit (Kane County), serving a large suburban Chicago community
  • The 17th Judicial Circuit (Winnebago and Boone counties), serving Rockford, Illinois’ third largest city, in north-central Illinois
  • The 19th Judicial Circuit (Lake County), serving a large suburban Chicago community
  • The 20th Judicial Circuit (St. Clair County only), serving a suburban St. Louis community
  • The 21st Judicial Circuit (Kankakee County only), serving a semi-suburban community south of Chicago

Each of the programs is designed differently, from how homeowners enter the program to what services they receive when they do. Their differences, combined with the collection of the same data for each program, provided insight on the effect of program design on participation, home retention and homeowner experience.  The most interesting findings from these different models include the following:

Higher participation leads to higher impact

In the 21st Circuit, 68% of homeowners participate in the program, and 14% of all homeowners facing foreclosure in the program county were able to save their homes. The other programs have participation rates of 7% to 25% and between 2% and 6% of all eligible homeowners keep their homes. The 21st Circuit’s high rate of home retention for all eligible homeowners facing foreclosure relative to the other programs is due to its very high participation rate and not to proportionately better outcomes for homeowners who participate in the program. If only participating homeowners are considered, the 21st Circuit has the lowest percentage who keep their homes.

High barriers discourage participation

Programs whose required steps for participation are difficult for homeowners have the lowest participation rates. Those with the easiest steps have the highest participation rates.

One-on-one orientation and assistance with entry encourage participation

Programs that orient the homeowners to the program at their first point of contact have higher rates of homeowners who complete the entry process. In the 16th Circuit, almost 90% of homeowners who contact the program coordinator for an initial conference enter the program. In the 17th Circuit, homeowners receive assistance completing their application for the program, leading to a higher rate of participation than in the 20th Circuit, where many homeowners do not have contact with the program until after they complete the steps to enter.

Homeowners who receive services other than mediation are more likely to retain their homes

In the 20th Circuit, those homeowners who received assistance from legal services were more likely to retain their homes than those who did not. While not statistically significant, this was true as well for homeowners who received housing counseling in that program. In addition, in the 17th and 19th Circuits, where all homeowners receive assistance from housing counseling, the level of understanding they gained and their satisfaction with the service were extremely high.

Homeowners benefit from a second opportunity to participate

In the 20th Circuit, more than half of participating homeowners are referred to mediation by the judge at the default judgment hearing.  They also are at least as likely to obtain a loan modification as those who enter the program after receiving their notification of mediation. This means that homeowners who could get a loan modification are selecting themselves out of the mediation programs and should be given another opportunity to participate.

To explore the data further, read the Executive Summary or the full evaluation.

RSI Turns 20!

Susan M. Yates, April 22nd, 2015

Can you believe RSI is twenty years old today? Back in 1995, no one could have predicted that what started as an idea – collect and disseminate reliable information about court ADR in Illinois – would become a nationally-recognized non-profit providing a full array of services in support of quality court ADR.

Indeed, RSI’s life as an independent non-profit is much shorter – not quite two years. We started life as part of Chicago’s Center for Conflict Resolution and spun off in July of 2013. These past two years have seen a dramatic expansion of RSI’s services. In addition to the court dispute system design, program monitoring and evaluation, and online resource center at CourtADR.org that have long been staples of RSI’s work, we are now administering court mediation programs and training mediators.

The motivations that undergirded the founding of RSI continue to steer our work. Chief among those ideas: sharing reliable information about court ADR among court ADR programs can elevate the quality and effectiveness of court ADR services. We are living out that idea with comprehensive monitoring of foreclosure mediation programs administered by RSI and by our program partners. By collecting reliable and accurate data, RSI is able to provide program evaluation that is improving the quality of foreclosure mediation throughout the state.

Want a way to celebrate? Go to RSI’s Razoo site and make a donation! We plan to be around for a lot of double decades to come, so how about some multiple of $20?

Foreclosure Mediation Programs Helping to Retain More Homes

Jennifer Shack, October 24th, 2014

I’ve just completed the quarterly statistical report for foreclosure mediation programs in Illinois in the 16th, 17th, 19th, 20th and 21st Judicial Circuits. If you’re a regular reader of the blog, you might remember that I wrote about the first statistical report back in August. The latest report, which covers all cases opened through September 30, shows that the programs in the 16th, 19th, and 21st circuits now have significantly higher home retention rates than at the end of June.  (more…)

Different Program Models Beginning to Show Different Strengths

Jennifer Shack, August 4th, 2014

The Illinois Attorney General’s grant for foreclosure mediation has so far resulted in five programs with five different service delivery models. This has had me, as evaluator of the programs, anxious to find out how the differences will affect program outcomes. Having just completed the first statistical report for the foreclosure mediation programs, my initial impression is that program model really does matter when it comes to many performance measures. (more…)

Resolution System Institute’s Evening of Firsts

Susan M. Yates, June 2nd, 2014
Susan Yates and Judge Morton Denlow listen to Illinois Attorney General Lisa Madigan

Susan Yates and Judge Morton Denlow listen to Illinois Attorney General Lisa Madigan

Last Wednesday was a great evening for RSI! We held our first-ever “friendraising” event and presented our first-ever RSI Appreciation Award. Our generous friends at the Chicago office of the Skadden Arps law firm kindly hosted a beautiful reception for about 60 people. This was our first reception designed to introduce RSI to new friends in the Chicago corporate and legal world. Attendees included lawyers from some of Chicago’s largest corporations and law firms, judges from the counties where RSI conducts foreclosure mediation programs, and RSI’s own Board and staff members, with a sprinkling of local neutrals, funders and others. The two highlights of the program were remarks by the Illinois Attorney General and the presentation of the RSI Appreciation Award. (more…)