John Overmyer

Правосудие для избранных

НЬЮ-ЙОРК. Ипотечное фиаско в Соединенных Штатах подняло глубокие вопросы о «верховенстве закона», общепринятого признака передового, цивилизованного общества. Предполагается, что верховенство закона должно защитить слабого от сильного, а также обеспечить, чтобы с каждым обращались по справедливости. В Америке, во время субстандартного ипотечного кризиса, оно ничего такого не сделало.

Часть верховенства права заключается в безопасности имущественных прав ‑ если вы задолжали деньги за дом, например, банк не может просто забрать его без соблюдения установленного правового процесса. Но в последние недели и месяцы американцы наблюдали несколько случаев, когда люди были лишены своих домов, даже если у них не было долгов.

Для некоторых банков это является всего лишь сопутствующим ущербом: миллионы американцев ‑ в дополнение к приблизительно четырем миллионам в 2008 и 2009 годах ‑ по-прежнему должны быть выброшены из своих домов. В действительности, темпы потери права выкупа могли бы возрасти, если бы не вмешательство правительства. Процедурные сокращения, неполная документация и безудержное мошенничество, которые сопровождали спешку банков генерировать миллионы плохих кредитов во время жилищного пузыря, тем не менее, осложнили процесс приведения в порядок последующей неразберихи.

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