According to RealtyTrac`s Lock data report for January 2014, a 1,058 home in the United States has received a request for enforced execution. This figure is part of the higher range of silos frequency. In August 2014, the closure rate was 33.7%, 1.7% higher than the previous year. The increase in foreclosure activity was strongest in New York and New Jersey, the two most densely populated areas in the United States that follow them closely are Florida.  Unlike in the United States, where enforcement means the end of the line, enforcement in Spain is only the beginning of the owner`s problems. You`re going to have to work for the bank for many years, and you won`t be able to own anything — even a car. Spanish mortgage holders are responsible for the total amount of the loan to the bank, in addition to penalties and court fees. For the most part, the unemployment rate in Spain is the highest in the euro area. Unlike in the United States, bankruptcy is not an adequate solution because mortgage debts are expressly excluded. Unlike other European countries, you cannot go to court to get some kind of debt cancellation. This policy has been the subject of much controversy in the Spanish parliament, but the government is convinced that maintaining this policy will prevent Spanish banks from experiencing something similar to the American mix.  With real estate re-exploited worth about 100 billion euros, Spanish banks want to get rid of foreclosures.
 The effects of enforcement go beyond landlords, but also extend to cities and neighbourhoods as a whole. In cities with high seizure rates, there is often more crime and theft in which abandoned homes are burglarized, garbage is collected on lawns and prostitution increases.  Foreclosures also affect the sale of neighbouring housing on two levels: space and time. For a period of time, seizures have greater negative effects when they are closer to the property that is trying to be sold. According to traditional opinion, the increase in foreclosures will result in a decrease in the value of sales of neighbouring real estate, which will lead to a worsening of the housing crisis.  The mobility of children in school is another key influence of increasing silos. In general, studies indicate that school change is detrimental to children, although this largely depends on the quality of the schools of origin and destination. A study in New York city showed that students who changed schools most often entered a school with lower average test scores and general education scores.