The James Logan Courier

By Tierra Negra, Courier Special Correspondent

Never has been more obvious the lack of purpose of a government in this country as it is now days. It is not because of the way it was originally designed or intended but as a result of the people currently holding positions that behave irresponsibly while merely aiming to profit personally and for those that finance their candidacy to stay in power.

According to the principles that inspired the creators of the Declaration of Independence and in order to secure certain unalienable rights that make us all equal “…Governments are instituted among Men, deriving their just powers from the consent of the governed...” But, how would I be willing to consent a government that exacts more taxation from me in order to privilege those with the capital?

The subprime mortgage crisis has been the last straw because it was mainly caused by government widespread failures in financial regulation. What adds insult to injury is that those that behaved recklessly, seeking higher yields with systematic breaches of accountability and ethics at all levels, were the ones helped with my tax money while I, besides being striped of ninety thousand dollars gathered with a lot of difficulty, lose my credit and am accountable for the difference resulted between the current market value and the amount I borrowed. I am basically paying for the services that facilitate financial institutions to rob me legally.

No program has been instituted to rescue home owners that would allow the reduction of principal. After causing the mess and receiving financial help, banks continue to act as judges prosecuting their victims that, notwithstanding efforts and diligence, are unable to find justice because none of the government agencies would help or take responsibility even after submitting a 95 form that under the Tort Act allows anybody to sue government entities for damages. Hiring a lawyer proved to be useless or worse because it ended up working with the realtor –and who knows if the bank itself.

Even though the housing regulations aiming to help people were not the primary cause of the crisis, they contributed to it eliminating any obstacles that otherwise would have prevented me from investing in a property when the housing bubble was at its highest point.

Perhaps I should just accept this generalized injustice and be thankful for having a job and my kids knowing I have been in a worse place before since this country finally granted me asylum after eight long years.

I know Mexico demonstrated clear failures to protect me from being religiously harassed, abused domestically and, deprived of my liberty but it does not necessarily makes an automatic vindication for this government. It just turns it into the least evil.

I was kicked out of my household in my country of origin and arrived here empty handed but after saving every penny to be prepared to receive my children I ended precisely in the same spot as eight years before: the risk of being on the
streets again if I waited until February of 2013 for my principal only loan to expire.

It is true that my economical level has improved while I worked comparatively less hard and just for my own financial stability but so the increase of my losses. I made more money, paid more taxes and more has been taken away from me. Pledge of allegiance nothing else than a joke since justice is granted only to those who can afford it.

Perhaps is time to make some changes per recommendation of the same Declaration of Independence: “…That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government…” We could definitively use less congress or one that would be actually working for all the constituents remaining connected to the states -because after being the cause of the subprime mortgage crisis they are immune to legal prosecution. Maybe state senators and representatives could take turns in Washington or, just to make the field leveled gender wise, leave the legislative branch solely to women following the American Native Indians custom of governing their tribes through female councils along with a male chief.

More urgent than dismantling the government is the need of an education reform because as human beings get more access to it become happier worldwide and governments turn out obsolete.