Civil Justice Essay Example | Topics and Well Written Essays - 1500 words

Civil Justice - Essay Example What is noted in this research is that normal, everyday people who would normally not associate themselves in any criminal actions feel impacted by their sociological and environmental situations (such as the hurricane) to go ahead and commit crime. The behavior of these actions is solely based on personal choice or we could say a rational type of theory of crime. This paper explores many reasons into the behaviors of crime as well as a little of the biological issues. It also offers up some of the criminal actions that are considered to be of a more detrimental nature to society as a whole. Any type of criminal behavior poses a threat to society but there are specific criminal actions that would seem to pose more of a higher percentage of concern. One of the scariest and deadly has to do with those who would stalk their unsuspecting victims. Although the definition of stalking varies from state to state the most common perception of this activity is of someone being involved with actions that almost certainly place an individual in a state of fear for their life (Using: National Center for Victims of Crime 1995). This form of crime has only just recently received the distinct classification of separation from other associative acts classified in the area of domestic violence. The reasons for this are difficult to pinpoint but the main assumption is due to the fact that the need to focus more fully on combating and minimizing it is the main cause of the legal changes stemming from its occurrences. This specific crime is difficult to find an estimate for simply because i t is not reported by law enforcement like other crimes are. However, an approximated figure could be guessed to be around 1 in every 20 women in America will at some point become a victim of a stalker. Since Congress passed the 1994 Crime Bill, better statistics are now available to correctly calculate and determine how prevalent this type of violent criminal activity has become (Using: National Center for Victims of Crime 1995). Sociological Factors of Stalking Also, there are various phases of stalking and different reasons for the act of this crime taking place. It could be relative from an obsession over someone or it could be a simple obsession where an actual romantic relationship did in fact take place. In this category there are defining characteristics that lead up and actually provide a more concise interpretation of the stalking activity. These character traits are as follows: Socially maladjusted and inept Emotionally immature Often subject to feelings of powerlessness Unable to succeed in relationships by socially acceptable means Jealous bordering on paranoid Extremely insecure about themselves and suffering from low self-esteem (Using: National Center for Victims of Crime 1995). These are all typical characteristics and all of which can lead the possible offender into perpetrating violent tendencies towards the person of their obsession and stalking. Quite possibly it is these types of stalking cases, which stem from domestic violence situations, which have been found to be the most lethal type of stalking activities. In fact, these cases have a 75% higher risk of the victim being murdered by the stalker than in other

What is sub-prime lending and how has it affected the housing crisis Essay

What is sub-prime lending and how has it affected the housing crisis - Essay Example nd the nature of subprime lending, this paper also provides a background of the subprime lending which gained popularity in the 1990’s, and also a comparison with other forms of mortgages like the prime lending. Subprime lending is a type of granting loans in which the client’s ability to pay is questionable. Kenneth Temkin et. al (2002) add that subprime lending mortgage originations are more inclined to risky borrowers. According to the U.S. Department of Housing and Urban Development, subprime loans are given to individuals with limited credit histories. One reason for this is the lack of background check on the borrower. In order to compensate for the higher credit risk, the loans that are given have higher interest rates.1 The U.S. Department of Housing and Urban Development presents three (3) truths about the subprime lenders: (1) the increased shares of subprime lenders’ overall origination as compared to the prime lenders’ originations are due to home refinance loans; (2) they occupy a bigger percentage in total originations in black-predominated communities than prime lenders; and (3) terms like â€Å"consumer, finance, and acceptance† are seen more in their lender names.2 Temkin et al. (2002) find out that subprime borrowers have lower incomes or belong to minority groups than their primary counterparts. They have less information financially on the bank mechanisms. They are also less sophisticated and less comfortable in dealing with banks. Danielle DiMartino and John Duca (2007) add that the prime or the traditional mortgages are offered to borrowers with good credit histories and can make down payments and document their income entirely. Whereas the subprime or the nontrad itional mortgages, are extended to borrower applicants who are less credit-worthy as reflected by their low credit scores and unsure income forecasts which â€Å"reflect the highest default risk and warrant the highest interest rates†. They also introduce the near-prime