Bankruptcy Has Helped Some Black Churches Bounce Back

How congregations have used Chapter 11 reorganization to survive predatory lending.

cartoon of chapel standing atop coins and financial charts
Illustrations by Mojo Wang

STEVE BROWN DESCRIBED Shiloh Missionary Baptist Church, the church where he had served as a trustee for many years, as being in “the poverty-stricken area of Daytona Beach [Florida]. We’re in the ’hood, in layman’s terms.”

When I drove to Daytona Beach in April 2024 to take pictures of Shiloh’s sanctuary, I continued past the church and into its neighborhood. As I headed toward train tracks that bear freight for the Florida East Coast Railway, I passed businesses and houses with bars on first-floor windows and air conditioners hanging out of upper-floor windows. A few people were taking shade under trees.

Trustee Brown had told me that Shiloh’s congregants were “financially strapped,” as they had been for most of the church’s 100-year history. But that doesn’t stop this church of more than 200 members from offering services to those in the area. According to Brown, each week its soup kitchen feeds between 70 and 100 people, a program that Shiloh continued during the COVID-19 pandemic, when it set up tables in the parking lot. “We didn’t want to stop it,” Brown said, “because a lot of people depend on” the church’s outreach.

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An image of the November 2026 issue of Sojourners, titled "Face to Face." It features George Lakey on the cover
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