Bankruptcy Blues (from The Road Has Eyes)

Bankruptcy Blues

 

            One morning I woke up, did some simple addition and concluded that I was fiftky seven thousand dollars in credit card debt.  I still had six thousand to go on my car loan, so that made a debt load of sixty three thousand dollars.  How could this happen?  I’m legally single and without dependents.  I own no stocks, bonds, properties or other convertible assets.  I am a man utterly without collateral.  So, my question “how did this happen?” is a rhetorical utterance, because I know how it happened.  I spent more than I earned.  It’s that simple.  If we see this happening on a larger scale, as an entire society goes bankrupt, the same basic laws apply.  The only difference between me as an individual and our society is that society, represented by The Government, can print money.  The newly printed money is really toy money, but it buys a smidgen of time because it’s backed up by history, prestige, momentum and the memory of immense wealth.  It may be a few years before anyone notices that United States dollars look like little orange, blue and yellow pieces of paper about three inches long and two inches wide.

            I got my first credit card when I was forty-five years old.  I had managed to live outside the consumer cycle for all that time, by being either a hippie or a bum.  I was a hippie bum when that envelope arrived in the mail, the one that said, “You have already been approved.” I thought it was a joke, I laughed.  Who would give me a credit card?

            I like being approved.  I thrive on approval.  This Visa Card provided me with a credit limit of two hundred dollars, at an interest rate of twenty three point nine nine percent.  Of course, a credit card is not really about its interest rate.  Credit cards are a barge full of tricky charges, most of which are confined to the small print.  The two most lethal words in the English language, “Adjustable Rate,” are stated or implied somewhere in that print.  There are annual fees, late fees, cash advance fees, all around Desperate Ignorance fees.  You’re dumb, and you’re desperate, so we’ll charge you a fee.

            I didn’t know any of this at the time.  I was living in an in-law unit behind a house in San Geronimo Valley.  The area is an enclave of hippies, new age healers, artists, crafts-people and bums hiding out.

            I was excited about having two hundred dollars credit.  My therapist approved.  Having a credit card was a mark of responsibility; it meant I was turning into a mature adult, integrating myself into mainstream society.  Provided, of course, that I kept up my payments.  How much trouble could I get into, with a two hundred dollar limit?

            I didn’t know, at the time, that paying minimum on a credit card means that any amount, no matter how trivial, will take your next ten incarnations to pay off, or about six hundred years.  Fortunately, credit companies don’t track future incarnations.  Instead, they sue debtor’s spouses or any relative available for the unpaid sum.  Eventually, our corporate-controlled government will pass laws allowing credit banks to force you to work off your debt.  You will pass your days working in a cubicle in South Dakota, making collection calls for the bank and living in dorms with twenty-four beds to a room.  Lunch will be a choice between bologna or peanut butter and jelly sandwich.  Spam or Macaroni and cheese are the menu for dinner.  There WILL be movies every night, hell, we got plenty of movies.  Disney will have the exclusive contract to provide Credit Default Camps with DVDs.

            I racked up my two hundred dollar debt in one day.  I bought a car.  That was the kind of car I got in those days.  I used a courtesy check from the card company (special interest rate of 29.9 percent) and bought an’82 Honda Civic.  It turned out to be a good car.  The starter was broken, so the car had to be hot-wired every time I wanted to drive. The gas tank had a crack halfway down its side.  Anything over six gallons sent a flammable trickle of gasoline through this crack.  I could never put more than five gallons in the tank.  I had to be very careful about that.  I got full disclosure from the seller about the vehicle’s problems.  “Watch out how much gas you put in,” he told me.  “Five gallons tops and keep track of what you got left in the tank when you fill.  Best thing is to just get three and half.  I had a friend with the same problem, and he blew himself up.”

            I got great mileage from that little beige go-cart.  Five gallons was a hundred twenty miles, easy.  It was a bargain, it was a reliable vehicle.

            I paid my monthly minimum on time, every month.  In about six months, the card company notified me that my limit had been raised to five hundred dollars.  Fantastic!  I bought a set of tires for the car. 

            I was living as a free-lance anything: janitor, painter, carpet cleaner.  I worked as a flower delivery driver.  I survived by the seat of my pants.

            My monthly card payments were fifteen dollars.  Not a problem, I always put a check in the mail at the last possible minute.  I was always on time.

            The card company raised my limit to a thousand dollars. It felt good, it meant that Visa trusted me.

             I wanted to become a professional photographer.  I bought my first digital camera.  The payments went up to about twenty eight dollars a month.

            Then I got another envelope in the mail.  This one was from MasterCharge. “You have already been approved!”

            Nice!  They were offering me twenty five hundred dollars credit at a rate of sixteen point four percent.  It was a Gold Card.  I wondered about these metallic cards.  Gold, Silver, Platinum.  I wondered if there were cards for people on different economic rungs.  Cards with metals both common and uncommon.  A Uranium Card for nuclear physicists, with radioactive interest rates and loan half-lives that take millions of years to pay off.  An Iron Card for weight lifters.  The rates just go up and down, up and down.  Heavy Metal Cards, shaped like guitars, for rock and rollers.  Lithium cards for manic-depressives, with rates that plunge and soar and plunge again.

            I believe that credit banks operate with a fundamental yet covert philosophy.  It’s called the We Don’t Give A Shit If You Pay Us Back Principle.  By the time you have gone through the agonies of ballooning credit balances, of paying monthly minimums on seven different cards, of borrowing from one card to pay another, of paying late fees, overcharge fees, balance transfer fees and been suckered into “credit insurance” programs that protect you from being unable to pay your credit card bills, you have put so much money into the pockets of Citibank and Chase that even if you default, they’ve made a profit of twelve thousand percent, which more than offsets your default, when it comes.

            In U.S. Dependencies like Guam, Saipan and Puerto Rico, Congress will enact loopholes in anti-usury laws, allowing Citibank to be what it really is: a loan shark.  Rates of a hundred percent, payable next week or they send a goon to break your finger.  What’s the “vig”, Louie?

            Since I was unable to get credit, that is, low interest bank credit for a legitimate business loan, I used my cards to start my digital photography business. The problem was that my business took ten years to get going, and after five years I was paying almost six hundred dollars a month just to maintain the minimum payments on all those cards. 

            This was like taking six crisp one hundred dollar bills out of my wallet and setting a match to them.  That money was gone, it would not reduce my debt, it would not purchase anything.  It was gone.  Wasted.  At this point my repayment would take twenty six thousand years, or nine hundred future incarnations.

            I was having a good spell in my business.  I was enjoying some cash flow.  I was always rescued by a last minute thing, a portrait session, a wedding, a house to paint, sale of a print or two.  Somehow, I was able to keep up with these incredible payments.  I made some large payments, bringing my balance down.  That’s when the next round of offers came in:  “You Have Already Been Approved!”

            Wow.  Capital One allowed me five thousand dollars in credit at a rate of eleven point nine percent.  I took it!  I needed a more sophisticated camera and some portrait lights.

            Pretty soon I was running five credit cards and I lost track of my total debt.  I guess I lost track on purpose, so that I could live in denial.

            I was the ideal customer for credit card banks.  I racked up a lot of credit yet made minimum payments, on time.  There is no better earner for a bank than a consumer like me.  They don’t want me to pay off my loan, heavens no!  They want to gradually load me up on debt, drag me down into the depths of high interest compound rates and keep me there for the rest of my life. 

            The thrill began to wear off.  For a while, I actually defined wealth as the amount of one’s credit.  If I had a few hundred grand in credit, I was in pretty good shape, wasn’t I?  Aren’t we defined by our debt?  I saw my world as a kind of spending party.  Need a new printer?  Cool, I‘ve got credit.  I’ll keep making the minimum payments.  I always do.

            I’ll admit it was fun.  I had a great time.  I am a compulsive person.  I will always be a compulsive person.  In this, I am not much different from the average American.  We are all compulsive.  We are made compulsive by the continual stimulus of commercial images of glamorous exciting products.

            I never considered bankruptcy.  I held the almighty Credit Rating in such awe that I would do nothing to besmirch it.  Meanwhile, I became more and more miserable, as my anxieties focused on making the monthly minimum payments and seeing my income going into the fire.  Get out the matches, dude, time to burn some more hundred-dollar bills.  I began to feel as though I were carrying a mountain on my back.  I knew that I would never get rid of this mountain, that the rest of my life would be spent holding up this Sisyphian mass as it grew larger and larger.

            This wasn’t fun any more. My outlook changed in a single week. One day, I simply looked at my situation.  Within another few days I was there; I was prepared to file for bankruptcy.

            What changed? 

            It occurred to me that the almighty Credit Rating is a hoax.  People go in fear of losing points on their credit rating.  People obsess on the difference between six fifty and seven hundred.  The terror of losing points on one’s credit rating is a ubiquitous American terror.  It rides invisibly on people’s shoulders like a pair of wooden stocks, like a medieval torture device.  Companies thrive on milking people’s obsession with their credit score. Go to freecreditreport dot com and find out your score. You’ll learn that your free credit report isn’t free.  It’s a lure to sell credit monitoring services.  For a monthly fee a consumer can track his or her credit rating and get even more obsessive.

            Every American can get a free credit report once a year.  That’s the law.  You won’t get it at freecreditreport dot com.  You’ll just get more crazy.

            Radio stations are flooded with commercials for get rich quick instructional CDs, books and videos. Every time I hear the word “free” on the radio I laugh and I visualize gullible wannabe entrepreneurs panting to exploit this amazing opportunity.  I’ve always had a maxim regarding American marketing techniques.  It’s simple: contempt sells.  Marketers view the American consumer as a stupid, gullible and very hungry five year old child with a fist full of money that it would rather spend on toys than on necessities.  This toddler justifies spending money on toys because it believes that at some point in the future it’ll somehow make a lot of money, and THEN it will pay for the necessities.  Meanwhile it’s having too much fun.  Don’t worry.  It’ll figure out a scheme to get rich without working very hard.

            Thousands of commercials promise the consumer an income of five to ten thousand dollars a month by investing in the stock market.  Best of all, the CD is free!  Or how about this?  Make money using the internet! You don’t have to buy inventory, you don’t have to store inventory, all you have to do is sell stuff on Ebay that you don’t even have! Let your computer do your work for you.  Earn money while you sleep!  And best of all, the CD explaining how to pull off this miracle is FREE!  Wow, (the radio voice says) now I can quit my day job, and pretty soon I’ll own two houses! 

            Hey, wait, what about Real Estate?!  There’s a book telling me how to earn a fortune buying up foreclosed properties.  The introductory CD is Free! The word free should be spelled eff arr dollar sign dollar sign.  FR$$.

            The people making money on these programs are the people selling the book or CD.  If the program worked so well, why would these entrepreneurs spawn thousands of competitors?  

            Let me admit that, initially, my new philosophy, my ‘credit score is a hoax’ pose was a bit of bravado.  I was still scared.  What if one of us got sick?  What if I wanted a new car?   What if Fox and I decide to upgrade to a better motorhome?  What if what if what if?

            I’ll relieve you of the suspense right now.  My bankruptcy was a complete success.  The first thing that happened was that car dealers showered me with offers.  It’s the standard procedure after a bankruptcy.  There are business entities whose most lucrative product is helping bankrupts re-establish their credit.  Car dealers are foremost among these entities.  All kinds of people wanted to help me re-establish my credit.  Offers poured in.  The first few months, the offers were terrible.  The credit cards were loaded with sign-up fees and yearly fees, and the interest rates would shame any loan shark.  I got those “You have already been approved” deals all the time.  After a few months the offers settled down, became more like the offers I got before I went bankrupt.  I accepted one card: no sign up fee, no yearly fee, interest at eleven percent.  I keep that one credit card, and I stay below two thousand dollars in total debt. I make large monthly payments when my balance gets too high.  Every offer that comes along goes into the wastebasket.  I have one credit card.  Two thousand dollar limit.  Period.

            Wait a minute, wait a minute!  I have to confess something. I wrote that last paragraph before gas prices hit the roof.  It’s getting tougher to function and make ends meet.  I sort of broke my rule.  I haven’t exceeded my limit. I did, however, take on another credit card.  That card is sitting in my wallet like a radioactive pellet, just waiting to leak through and contaminate my world.  It scares the hell out of me, while at the same time it comforts me.  Its purpose is to backdrop serious emergencies.  I haven’t used it.  I don’t want to use it.  I pray that nothing happens to force me to use it.  I just pray and pray.  

            My attitudes have changed.  I don’t spend money just to have something I want, like a new printer.  My camera gear is getting old.  That’s the way it will have to be.  I can’t afford the latest, neatest gear. 

            What I’m saying is that it’s almost impossible to escape the world of credit cards.  They keep coming back like the Terminator’s metal arm. 

            Have I mentioned that I feel like I’m really getting screwed?  Have I just come out and said it in so many words? 

            I feel choked with anger.  I am so frustrated that I need a pitcher of margaritas or a bottle of Vicodin.  (I am, of course, exaggerating dramatically for effect here.  I’m not an alkie or a dope fiend, no no no.)  There are a hundred rip offs dipping into my pocket every day.  There are dozens of virtually undetectable drains on my income.  This isn’t a free country!  It’s a very expensive country. 

            In the last decade I have found myself trapped by invincible shackles.  I have hit the wall of middle age.  I have just enough medical and chronic pain conditions to place me at the very center of the health insurance vortex.  I have no choice but to be a consumer.  I am now the victim of medical blackmail.  Insurance and drugs are so expensive; they dominate every aspect of my life.  Why?  How can one blood pressure pill cost four dollars?  It costs pennies to make.  We all know that.  The Big Pharm companies scream “Research and Development!  Marketing!  How can we invent those orphan drugs that will help a few thousand people and conspicuously demonstrate our compassion?   Our expenses are staggering!”

            There there, Big Pharm, don’t cry.  Poor Pfizer, you’ve worked so hard to ensure that our aging males can have erections.  Don’t sulk in a corner, Glaxo.  We know how much you love us.  Your efforts have controlled our cholesterol, have saved our lives time and again!  Your executives deserve those boats and planes, they’ve earned those vacations at hotels in Dubai that look like flying saucers and cost four thousand dollars a night.  They deserve the call girls and the Bugati sports cars, the Rolex watches and the gated estates overlooking the beach at St. Moritz.  They’ve worked hard for our benefit.

            I often fantasize about what I could do if I didn’t spend half my income every year on health insurance and prescription co-payments.  I wouldn’t be living in constant anxiety.  I might be able to save enough money to have another RV journey and have some fun.  I might be able to get my car fixed.  I could repair that weird flub flub sound it makes in the right front wheel.  I could afford my dog’s dental work, the removal of those extra teeth that are going to become a nightmare in three or four years.

            I’m old enough to remember a time when health care wasn’t everyone’s ball and chain.  I remember when a factory worker could support a family and mom could stay home and pay some attention to the kids.  I remember when people didn’t endure sour stomachs and panic attacks thinking about their credit card debt.  I remember when my dad made enough money from his small business to provide a decent middle class standard of living for his family.  I’m old enough to remember the way things shifted so suddenly in the late seventies and early eighties.  No one had ever heard of HMOs.  Then, suddenly, they were everywhere.  Our big industries, like steel and auto manufacture were under assault by the Japanese.

            De-regulate everything!  We have to compete with a free hand!

I’m not an economist or a political scientist, I don’t understand how our society was co-opted and undermined by an inferno of greed.  I only know that a corrupt and devious corporate cruelty has turned middle class people into paupers and terrified debtors.

            Dammit, I’m angry!

            To further amplify my vulnerability, I have taken yet another credit card.  I spent up to the limit on the last one after my car broke down.  I needed brakes, a catalytic converter and a new clutch. 

            My debt has climbed to about three thousand dollars, and I’m paying about a hundred dollars a month.  I can live with that.  The debt stopped climbing a year ago.  I’ve kept pace with my payments; I occasionally pay the bill down by a few dollars.  This is familiar territory to me.  I understand the game, and the futile squirming that I must suffer to keep afloat because I’m not much of a money person.  I’m an artist-person, woe is me.  I am aware that more millions of people are now living the same way.  The economy has gotten bad and there are many new recruits to the kind of life I’ve always lived.  I have a certain amount of psychological armor against this insecurity.  It doesn’t bother me so much.  I know that a lot of people, new to poverty and crushing debt, are quaking with anxiety and dread.  I’m sad about those people.

            A few days ago I was getting into my car in a large parking lot.  I was approached by a well dressed woman.  “Excuse, me, sir,” she asked with apparent reluctance.  “I’ve had a bit of trouble and I…”

            I didn’t force her to end her pitch.  She was begging.  I held up my hand and said, “Sure, no problem, I have a couple bucks worth of change.  I’ve been through hard times myself.”

            She relaxed, her shoulders came down from around her ears.  She wasn’t a funky street person holding a sign at a busy intersection.  She looked like a soccer mom with two kids.  This was my first encounter with a more upscale type of beggar.  Looks can deceive. She might be the forerunner of a new type of beggar, the housewife-Oxycontin scammer.  I don’t care.  If she needs money for drugs, let her buy drugs.  I’d prefer that she find treatment but if she’s willing to beg drug money in a Safeway parking lot that means she’s NOT willing to be a hooker, not yet. 

            Some stop-light panhandlers have a dog.  Some sit in wheelchairs.  There are busy intersections claimed as territory by beggars.  Their signs are variations of the same message.  “Anything will help.”  If the person is able-bodied the sign might say “Will work for food.”  I hold no animus towards them.  They stand for hours in a noisy place clogged with car fumes and endure a thousand humiliations.  I could tell that the well-dressed woman in her early thirties was not used to this kind of activity.  The look on her face was shattering.  She was humiliated but she tried to appear as if this was just a momentary blip, like she had left her wallet at home and had run out of gas.  She was going to beg just this once, it wasn’t a thing she would do tomorrow and the day after that.  I saw her move on to the next person and the next.  They recoiled, they refused.  She kept on, walking gently up to people with an “Excuse me, sir, I’m in a bit of trouble…Excuse me ma’am   ”.  I don’t care if she spent the money for booze or drugs.  I never care about that.  Begging is a profession that has always been with the human community.  I’ve begged and panhandled.  I lived at the bottom tier of society for years.  I know how difficult is the work of begging.

            Yesterday I was in another parking lot, just coming from Raley’s with two plastic bags of food.  It was five-ish, getting dark.  A woman approached me wearing a white down jacket and slacks.  Her hair was well kept, her makeup was in place.

            “Excuse me, sir” she began and again I held up my hand.  “No problem,”
I said, “I have a couple bucks worth of change.”

            As I dug through my bag, I asked her a question.

            “How many hours a day do you do this?”

            “All day.  I’ve been here since eight this morning.  My feet are killing me.  I’m done in an hour.  Eight to six,” she laughed bitterly, “it’s a full time job.”

            “What are people like?” I wondered. “Do they help you?”

            She leaned back against a car, taking the weight off her feet.  The bright blue light of the mercury vapor lamps made it easy to see her face.  She didn’t look like an addict.  She looked like a thirty five year old woman trapped in the grip of circumstances beyond her control.  She’s divorced.  Her ex-husband’s vanished, not paying child support.  She’s three months behind on the rent.  Laid off from her job after twelve years of loyal service to the firm.  Unemployment benefits are running out.  Can’t find a job anywhere.  She’s desperate and she wants her kids to have the things they’ve always had.  Karate lessons.  A music teacher.  Little by little she’s lost the ability to provide, and must make some hard choices.

            So…panhandling in supermarket parking lots becomes an option, a desperate option that she takes with greatest reluctance.

            “About one person in ten is nice.” she replied.  “You can’t believe the abuse I get out here.  ‘What’s the matter with you?’” she imitated a shrill pitiless voice, “‘Go get a job like a decent person.  Shame on you!’  Women are the worst, especially the ones of a certain age, over forty five, fifty.  I don’t bother with the twenty-somethings.  They’re just overgrown high school kids, they tell me to go fuck myself.  Excuse my language.  And you know what?  I stand up for myself.  I tell them they don’t know what’s going on in my life, they’re not qualified to judge me.”

            She paused as some unpleasant image washed across her mind.

            “Some of the men,” she said, “some of the men, are…you know…they think I’m a hooker.  They say the most disgusting things.  I’ve got a radar for that type now, it works pretty well…what would you call that, ‘Jerk-dar?’”

            “Maybe ‘ass-illoscope’” I quipped, not sure she would get the pun, if she knew the term ‘Oscilloscope’.

            “Perfect!”  She got the pun.  “What about ‘asshole-ascope’.”

“Better, even better!” I affirmed.  “There you go!”

            Her eyes shifted.  A woman carrying groceries was loading her car just down the row.  She needed to get back to work.

            “Thank you,” she said with sincerity.  “I have to make every minute count.”

            “Go on,” I said, “Go back to work.”

            She had to push herself away from the car.  She was bone tired.  She didn’t know whether her next approach would end in kindness or invective.  Her eyes thanked me for treating her like a human being.

            With each passing week I expect to see more of these parking lot beggars. 

            Begging is one of the hardest jobs in the world.

            This has everything to do with the move of Fox and me from house to motor home. We were not forced to move out of the house.  True, It got too expensive.  We saw our resources diminishing and a future where our age was going up as our income was going down.  We saw an economy edging towards bankruptcy and we wanted OUT as quickly as possible, we wanted a way to reduce our earthly footprint. 

            We WANTED to live in a motor home!  After the trip in Yertle, the epic voyage to Arches National Park, the idea became more and more appealing. We didn’t know whether or not it would work out.  It was a tremendous risk.

            Declaring bankruptcy was also a tremendous risk. What if “they” came and took away our motor home?  It was half in my name and half in Fox’s.   What if “they” took my camera, my computer, my car?  I didn’t know they wouldn’t.  I asked several lawyer friends of mine, and they assured me that such things would not happen.  I had no real assets.  My possessions were exempt.  I would be fine.

            In spite of these reassurances, Fox and I spent a nervous couple of months.

            In 2005 there was a major change in the laws regarding bankruptcy.  These changes tended to favor the card companies.  A bill was passed called The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.  I love that: Consumer Protection Act.  The ostensible purpose of this act was to prevent people from racking up a lot of debt with the intention of going bankrupt after spending oodles of the bank’s money.  How is this protecting consumers?  Give me a break.  How many people do you know that are exploiting credit card companies with the intention of defaulting?  One, two, a hundred?  How many have you heard about? Is it so common that an act of congress is required to protect us from these unscrupulous spenders?  The real motive behind this Act is that the banks foresee a flood of bankruptcies looming in the near future.  They want to be ready for this tsunami of debt, they want to get their rich butts to higher ground so that when the bankruptcies mount into the millions, they will be safe and capable of forcing debtors into losing the pants they wear, the shoes they walk in.  I can see it now, America.  People walking around in blankets. 

            I hired a good lawyer.  She was a little hobbit of a woman who wore thick glasses and neat business suits.  I had the feeling that in court she was a cyclone, that her antagonists quaked in terror when she opened her briefcase.  She charged one fee, two thousand dollars, in advance.  She always let me know what was happening, she communicated with me regularly, instructed me in what to do and what not to do.

            One of the stipulations of the new law is that debtors must pass two courses in money management and credit awareness.  To this effect, a host of companies have arisen to cater to the expanding market of bankruptcy cases.  The whole shebang is done online, and it costs about three hundred dollars.  The debtor must first pass a credit counseling course.  The material in this course is not difficult.  The test is a multiple-choice quiz with some pretty silly questions.

            The questions go like this:  “What is the correct way to use credit cards?”

Answer One:  To buy cool things like cell phones, shoes and car accessories.

Answer Two:  To finance trips to Hawaii and Disneyland.

Answer Three:  To be used as an occasional aid to pay emergency expenses when cash is short.

Question:  What is the best way to manage one’s credit account?

Answer One:  Put off paying to the last minute.

Answer Two:  Build up a lot of debt and make minimum payments.

Answer Three:  Pay off debt as it arises, maintaining the lowest possible balance.

            These courses are designed for the average American genius. It’s a case of having questions reveal more than the answers.  What kind of people find these questions challenging?  My god, are we in trouble, here in America? Is this what we’ve become?  Consumer morons?

            I am the American economy in microcosm.  I was encouraged, no, I was seduced, into borrowing beyond my means.  Who am I?  I am poor!  I don’t feel poor, I live a great life, but on paper, I am poor.  Why would banks lend me money? Yes, I am responsible for my debt.  My greed is at fault.  No question.

            I was a frustrated man with no money being treated to the most sophisticated sales technique on the planet.  Borrow this money!  We’re offering it to you, it’s easy, just apply online and we’ll have your credit approved in five minutes.

            Got it almost paid off?  Here, we’ll lend you some more.  We approve of you! You’re a good person!  We like you!  Here’s five grand.  You can pay it off any time you want, just make sure you meet your minimum and we’ll get along great.  No one will call you, no letters will arrive.  Gee, you know what?  Our records show that you have five credit cards, and owe a total of twenty thousand dollars.  That makes you a good credit risk!  You wouldn’t have all these cards and owe all this money unless banks trusted you.  Here, another ten grand in credit.  Fine!  Pay us back when you can!

            The credit counseling companies who advertise so heavily on radio and television are flourishing. They will help you pay down your debt!  In fact, there are reputable companies and disreputable companies.  The business is predicated on the simple fact that many credit banks are willing to let you pay off forty percent of your loan at a reduced monthly rate.  This is a fact.  Almost all of your card debt can be drastically reduced.  The counseling agency is there to do the paperwork, run interference for you, comfort you in your distress.  That’s what the honest companies do.  The dishonest ones will have you send your payments directly to them.  They will take your money and do nothing.  They will not pay your creditors.  They will reassure you that all these harassing phone calls that have begun are normal.  Wait a couple of months and they’ll die down.  Don’t worry, sir, the man with the generic foreign accent on the phone says, don’t worry this is the normal procedure.  We have negotiated your credit to ten percent of what it was.  We are paying your creditors, and in eighteen months you will be free of debt!  Isn’t that wonderful?

            I called one of these crooks.  He wanted to start the program right away. “I can sign you up right now, you can stop worrying about the letters and the phone calls.”

            “How does it work?” I ask. 

            “It’s simple, “ he replies, “you just make one monthly payment to our office and we’ll take care of the rest.”

            “That sounds easy enough,” I say.

            “Great, then you’re ready to start,” responds the man.

            “Don’t you need my application, some paperwork?” I question.

            “Oh no, that’s not necessary, just give me your phone number, social security number and address and we’ll get started on the paperwork right away.”

            “Uhhh…I think I’ll wait on that.”  I hung up very quickly.  I felt as if I had avoided a rattlesnake bite.

            I never got any letters or phone calls.  I made every monthly minimum payment until my lawyer filed the papers.  Within three months, all my creditors had been notified, and there was no point in calling me or harassing me. 

            I took, and passed, the two courses, via the internet.  I filled out a lot of paperwork.  I waited some months while my lawyer did whatever it was that she did.

            Then my hearing date was scheduled.  I was going to walk into a room where it was possible that representatives of all my creditors would confront me with my irresponsible behavior, accuse me of being a crook, question me about purchases I had made three months before I filed for bankruptcy.  Why did you buy this lens in August?  When did you decide you were going to file for Chapter Eleven? Did you know you were going to file when you bought this lens?  How many assets did you transfer in the year before you filed?  What are you concealing from us?

            Waiting outside the courtroom I was nervous.  My lawyer toddled up, looking harmlessly fierce, like a rabbit with giant fangs.  “Just answer the questions,” she advised.  “Don’t add anything, don’t talk too much.  It’ll be fine.”

            The doors opened and I entered the hearing room.  Five or six other cases were on the docket, so I sat in a folding chair with my fellow bankrupts, while three trustees sat behind a semi-circular dais.  A tape recorder was turned on.

            The trustees didn’t look like monsters.  They looked kind of nice.

My case was first on the docket.  The blonde trustee swore me in.  Then she asked me two questions.

            “Do you understand the implications of your filing Chapter Eleven?”

            “Yes, I do, ma’am.”

            “Have you been truthful with the trustee in your documentation?”

            “Yes I have, ma’am.”

            “Thank you very much, you will be notified of your bankruptcy within sixty days.”

            That was it.  I walked out of the courtroom a free man.  It was a very happy day in my life.  I could return to my cozy motor home and tell Fox that it was over.  Nobody was going to take anything away from us.  Except my forty three thousand dollars in debt.

            America is, after all, a wonderful country.  The system needs a little tweaking, but it is a wonderful country.

The Real And The Absurd in Big Pharm Marketing

            Wait a minute.  Am I really seeing this?  I'm at the gym, pedaling away furiously on the recumbent bicycle and my headphone jack is plugged in to the television.  There's a commercial.  There's Kevin Nealon, an alum of Saturday Night Live.  There's Arnold Palmer, who needs to introduction.  There's a handsome young race car driver dressed in his jump suit.  And there's a ten foot tall basketball star.  They are driving in two golf carts, side by side.  Kevin says, "You know,  with Xebelta I didn't even need a blood test. With other blood thinners I need a doctor's appointment."

            Arnold, in the other cart, responds, "I love the convenience of Xebelta."

            The ten foot tall basketball star says, "Xebelta gives results without waiting."

            Race car driver replies, "And there's fewer side effects with Xebelta!"

            Kevin gives Arnold a High Five and the two golf carts drive off into the sunset.

            Then there's a lot of fine print at the bottom of the screen and a fast-talking voice says,"Xebelta has been known to cause liver damage, double vision, really stinky farts, plummeting blood pressure, hallucinations of Nazi skulls and dried tear ducts.  If you begin seeing crimson giraffes, call your doctor.  If you die suddenly try to call Nine One One before you hit the floor."

            I DID see that commercial.  I have not been taking Xebelta.  I think there's something wrong with the world.  Does Arnold Palmer need the money?  Maybe Kevin does, maybe he's got a raging coke habit or six greedy ex-wives, but I don't think the Nascar guy or the ten foot tall guy need money bad enough to appear in a commercial for a possibly lethal blood thinner.

            I have noticed an increase in commercials for pharmaceutical products, most of which may apply to an aging demographic. The increase is not slow, it's headlong and aggressive, with new marketing hitting the media almost daily.  There's an insidious message underlying all these new medications: we are sick.  We are getting sicker.  We need a lot of medication.  We need to be ever more vigilant for heart disease, cancer, stroke, hypoglycemia, diabetes, Gout, Porfiria and Recalcitrant Plebny.  Not only are we getting sicker but there are new diseases appearing, new diseases that need new medicines with which to fill the pockets of the Big Pharm industry.  Crohn's Disease is a favorite.  We've all heard of Crohn's Disease.  But what the F is Purple Flamyglitis?  What is Filinson's Syndrome?  Did these disorders appear out of the ethers? Did they migrate across the oceans from Asia and Africa? 

            I'm a little upset because I don't like subliminal marketing even when it's perfectly liminal.  The PRODUCT is in front of us, it's in the advertisement. The IMPLICATION works more subliminally, the constant elbowing in the guts with the concept that WE ARE SICK AND GETTING SICKER ALL THE TIME.

            I DO NOT LIKE THAT!

            Shame on you, Kevin Nealon. Shame!  You're supposed to be a comedian, not a pimp for Xebelto.

            I won't waste my time shaking my finger at Big Pharm.  They have no shame.

The Mutation Of Language or Mad Monkey Mangles

I just read this old post of mine and liked it so much I decided to re-post it here.

            It all begins and ends with the vernacular word “nukular”.     

I am, I freely admit, a linguistic bigot.  If I hear the word “nukular” emerge from someone’s mouth I immediately assume that this person is an ignorant rube, a redneck, a born again fully saved right wing ignoramus who eats Jimmy Dean sausages for breakfast, lunch and dinner  I don’t know how “nukular” got started but it must have been in some classroom where an unqualified teacher was too lazy to correct his or her students.  From that vernacular “point zero” the usage went viral by word of mouth and spread its load of Bubba toxins to begin poisoning the language.

           

Following the un-word“nukular” comes a whole doomed Titanic full of un-words with tacked on extra syllables.  Today I encountered the putative word “irregardless”.  Why?  Wasn’t it easy enough to say “regardless”?  Or would that imply the speaker might be afflicted with impotency?  There are C-Y’s flying around like clouds of mosquitoes.  Pretty soon the word “tolerance” will morph into “tolerancy” and then our whole language of Englishity will topple from its preeminence as the lingua mundus, the universal language of the planet.  It will be replaced by Mandarin Chinese.  The West will be really fucked because most of us have tin ears and can’t distinguish the subtle tonal elisions of spoken Mandarin.  The written language will be phonetically rendered in Roman script, for the sake of efficiency.  Henceforth, when Chinese is used in worldwide commerce, those who are fluent in its use will regard Anglophones as retrograde rubes with a reputation for recalcitrant nostalgia and revised memories of a time when they were a mighty cultural force in the world.

Many years ago I was driving around with a bunch of my high school buddies in a luxurious car owned by a boy named Mark Malzberg.  He was the richest and stupidest kid in the school  We drove first to Hamburger Heaven, but no one was there.  We drove to Steak n’ Shake, but it was also a boring wasteland.  We tried White Castle.  We tried everything we knew in our pathetic repertoire of sixteen-year-old social watering holes.  After an hour or so of pointless meandering, I said to him, “Mark, we’re really getting nowhere fast.”

           

Without missing a beat and in all seriousness, he looked over at me and said,  “Yes we are!” 

He had disagreed with me with unintentional brilliance worthy of Yogi Berra.  I never forgot that beautiful error. 

            Later, during my two weeks in college, I dated a girl who was nearly finished earning her degree in medicine.  She was flush with idealism about serving the world and had set her sights on working in Lebanon during its umpteenth civil war.

           

We were in the parking lot of a fast food place, relaxing with burger and fries.  The car was hers.  I got around on a Schwinn Varsity that weighed seventy pounds.  The bike rack for my English Lit class was reached after a climb of forty-two steps.  Most of my other classes were in equally huge buildings with equally remote bike racks.  This could be one explanation as to why my college career lasted two weeks.

Anyway, back to the medical student. With great sincerity she said, “I think I could do good work with the Lebanonians.  I’m looking right now for a course in the language, so I can speak fluent Lebanonian by the time I finish my residency.”

She had just eaten a slice of raw onion that had come with the cheeseburger.  I had been contemplating a tender kiss.  The onion was no deterrent.

           

Then she called the Lebanese “Lebanonians”.

           

My desire for kissy kiss evaporated.  The taste of this incredible faux pas on the lips of an almost-physician was far more of a turn-off than any piece of onion.  I would never date a woman who calls the Lebanese “Lebanonions.”

           

I was then seized with the desire to test her further.

           

“I understand that Saudi Arabia needs good doctors,” I said innocently.  “There’s a famine in Syria and the Arabs are being flooded with starving refugees.”

           

“I don’t think so.” She replied with a frown.  “I’ve heard that Arabonion is a terribly difficult language, with a funny alphabet thrown in.”

           

I couldn’t resist.  “How about Israel?  The Hebronions can use doctors.”
           

“Are you kidding me?” she protested.  “The place is loaded with Jewish doctors!  I don’t know why they all go there, but they do, oh believe me, they do.”

           

This budding romance was now wilted.

           

Returning to the almost-present, we have, as a nation, recently survived the presidency of a man who can say, “I wouldn’t misunderestimate those people,” and a thousand other toothy Bubba-isms.  Who needs to speak decent English?  The teachers don’t understand the difference between irrelevance and irrelevancy.  Any kid can grow up to be President whether or not he or she speaks like a moron.

           

What would happen if it went the other way?  If people started chopping off extra syllables and started excavating the words as if syllables were valuable ore?  Irrelevance would become Irrelev.  Regardless would become gardless.  Nukular would become Nukew.  It would sound like we were speaking Esperanto or Klingon.  The use of texting devices will accelerate this word surgery until we are speaking in abbreviations.  I’ve already heard it.  I use it myself, though I only use it to speak to my cat, to whom I will say “STFU” when she whines and manipulates me for a treat to which she is apparently addicted. This means “Shut The Fuck Up!”  Being a gentleman, I merely growl “STFU” at the cat and then get the bag of treats from the pantry.

           

I must take a moment to exclude from my rant all the f-zantastic slang that has arisen to fertilize our language.  The source of this River Nile of Slang has generally been African American culture .

           

It occasionally grates on my nerves when I see an Eminem wannabe get into his car and call out to his friends, “That really p-zisses me off, yo!  Somebody should tell that Zima queen and her friends to chill on the za befo they do the be-ho’s.  Strew?”

           

In any case, our language is mutating at speeds too fast to comprehend.  The new tongue can only be learned via total immersion.  It requires hanging with fifteen year old black poet-children with skateboards and pistols.

           

One purpose of slang has been exclusion.  When millions of Africans were kidnapped and shipped westward across the ocean, they became the property of people who suppressed their entire culture.  Slaves were forced to speak the masters’ language.  They devised alternative uses for this language but were actually circumventing it.  They reinvented their culture with slang, Santeria and the Blues.

           

Little has changed from that original motivation.  Slang is still a language of exclusion.  American slang matured in a culture of jazz, blues, segregation and restriction.  In the sixties it spiraled off in another direction, becoming a barrier between adults and their adolescent offspring.  It has since drawn most of its energy from generational alienation.

The speed at which language now mutates is exponential.  It seems inevitable that slang will fracture into dialects whose boundaries are age groups. The only means of communication between these boundaries is likely to be a return to conventional English.  It will be the only way a seventh grader can speak to a ninth grader.

                       

Slang is creative.  This other mutation, this hick stuff with words like “conversate” and “orientated” is just irritating.  I may have exaggerated my bigotry (I may just be a snob) but I’m not here to function as the Language Police.  English is a living language that has been changing for more than a thousand years.  It has probably changed more in the last decade than it has in the nine hundred ninety years before this time.  There are now many occupations for which there existed no word or term twenty years ago.  What was a “webmaster” in 1975?  What was a Twitter?  Software?  HTML?

             

We live styles of life and make our income from a plethora of jobs that did not exist a few years ago.  There was a time when a family of blacksmiths stayed a family of blacksmiths for five or six centuries.  Now it’s difficult to find a blacksmith.  Soon it may be difficult to find a family.

           

I am unable to appreciate hip hop because I can’t follow the words.  They’re too fast!.  There’s something about the speed at which people think, listen and speak that has accelerated.  I’m amazed when I see a Hip Hop performance and can do little more than latch onto the spoken rhythm, to hear the rapper’s words as a form of percussion.  Yet I see in the audience people mouthing the words along with the performer, speaking and comprehending and I wonder what I’m missing.  I can’t help being a member of my age group.  Words have always been precious to me and I feel excluded and lost.  Hmmm.  I feel excluded.  Uh oh.  That’s not good.  Maybe I’m seen as a member of some kind of over-class from which certain realities must be hidden.  Am I now too old to be culturally relevant?

Am I “out of it”?

           

I never thought I would become a victim of slang.  If you catch me in a zifflenook it might just be a Rangoon boof alarm.  Aight?  

About The Gods Of The Gift, my Fantasy Novel

            It was in the late seventies.  I turned right onto Third Street in San Rafael and my inner vision exploded with a scene.  I was seeing a huge monastic building like a Tibetan lamasery.  Think of The Potala.  Here was this enormous structure flying in the air, floating away from the ground trailing roots and boulders.  It seemed to be headed towards a moon that was chartreuse and hovered above the monastery in a kind of leering way, sinister.  Then a voice began speaking.  Never mind what it was saying.  It was talking inside my head.  Like dictation.  It was describing things like Destiny; the way Destiny is determined by the thoughts of the one who thinks.  Yes yes, very metaphysical. 

            I drove home listening to this voice describing a system of discipline, a system that corresponded to what I know of Tibetan Tantric practice.  I know very little about Tibetan Tantric practice.  I have a clue, that's all.

            A book grew from this vision and this voice.  At the time I was flush from my recent award from Playboy Magazine and my agent gave the manuscript to an editor and when I was in New York we discussed the book.  The agent, Scott Meredith, moved the book around from publisher to publisher for a year.  There were no takers. 

            Lucky me. It would have been a tragedy to have published that book in 1980.  I take decades to write my books.  They are like big oak trees.  They need time to develop.

The Gods Of The Gift has changed so much over the years that it has become a real grown-up book.  It's a book for grown-ups.  It' a book that will be most enjoyed by people who've spent some time reading esoteric stuff like Rudolph Steiner, Madame Blavatsky, Annie Besant.  The old school mystics. Gurdjieff, Ouspensky.  Most of those books are dense, turgid and old fashioned.  The Gods Of The Gift should be fun, even though it's loaded with subtle information and the science part of it is completely crazy. 

            You don't have to be an Adept of The Secret Doctrine to get enjoyment from this book.  It follows many Fantasy and Sci Fi conventions.  There's the Pinocchio Theme. A race of Androids yearns to be human.  But these androids, or as I call them, Robiots, know they're not human.  They call themselves New Sentients.  They were originally made to perform work but somewhere along the way a few of them started tinkering with their own nervous systems and found that emotion was possible and even desirable.  That's one of my classic Sci Fi themes.  I've got astrophysics galore, Black Holes, all that stuff.  The book is as much influenced by Kurosawa films as it is by metaphysical lore.  There are sword fights, kidnappings, cosmic gangsters and quasi-immortals called Planet-People.  These are avatars from the Starwind Communion.  When their civilization was doomed they decided to emigrate by squishing all the individuals from each planet into one body.  So one hundred eight worlds became one hundred eight Planet-People.  One of them, Calakadon, was a rogue and a murderer.  He is the book's main bad guy.  He's murdering the other one hundred seven of his kindred and stealing their Puzzle Pieces.   These objects are precious beyond knowing.  They will some day be assembled into The Puzzle Of The Endless Gates.  Here is another Buddhist concept, in case you've never heard that mantra: Gate Gate Beyond The Gate Another Gate----Bodhisattva.

So click on over to my other siteArthur Rosch Books, then click on the book title and download
a copy.  Enjoy.

Game Of Thrones: Is it Toxic?

Peter Dinklage

My wife and I watched this series, all five available seasons, in one big gory splurge.  Maybe that was our mistake.  It is addictive viewing, it has memorable characters and every episode ends with a cliff-hanger.

            I'll be candid and admit that we have been in an emotional slump.  My wife and I have had a difficult year.  That being said, perhaps it wasn't a good idea to expose ourselves to such villainy and gore.  I can imagine that viewing this series one episode at a time might be less harrowing.  But who does that?  Are you kidding?  In this age of Streaming?

            Nah!  Binge viewing is the thing we do.  Doesn't everybody grab a series and watch every episode, one after another?  Don't deny it.  TV isn't a guilty pleasure any more. TV is survival, an alternate reality in which to hide from our terrifying world.

            Game of Thrones is High Fantasy.  It has the medieval world-set, the armor, weapons, horses, castles, all that stuff that goes into High Fantasy.  It has dragons, magical creatures and a looming menace that evokes our own present-day world with its apocalyptic terrors.  As we watched we found that our depression began taking on a more vicious edge.  Our dreams were disturbed.  My wife muttered curses in the night and I went on a sleepwalking excursion, standing at the window waiting for some demon to creep into our home to steal our souls.

            As a writer I must always ask a question of the story I'm writing: Is this story worth being told?  If I apply that yardstick to Game of Thrones, I'm not sure it passes muster.  Without the genius of Peter Dinklage playing "the imp" I wouldn't have gotten sucked into the plot.  Acting is an interesting process to watch.  Great actors take good roles and define them for all history.  Dinklage will hereafter always be known for his Tyrion Lannister role.  Before Tyrion he was a famous dwarf and an actor.  Now he is far more famous and completely identified with his character.  No one cares that he has short legs.  He has earned RESPECT.  He carried Game of Thrones on his talent.  The series is unimaginable without the work of Peter Dinklage. 

            There were so many beheadings, throat slittings, impalings, knives to the gut, arrows through the throat, squished eyeballs, spear thrusts through-and-through that it became like a creeping poison, leaking from the TV screen and crawling along the margins of the room, heading straight for our vulnerable psyches.  We have no one to blame but ourselves.  No one forced us to watch this wretched excess of medieval mayhem.  We watched.  We were sick with flu, flattened with fibro, fucked up with gastric distress, hamstrung with hernia....and we watched ten thousand extras get squashed by rocks and broiled with flaming oil.  Oh, what a violent series!  Add a healthy dollop of perfect naked titties and asses, muscular adolescent boys all frolicking with one another and whaddayaknow?  It's really all sex and violence, tits and ass.  I can imagine the producer shouting on the set:  "Did we book enough tits today?  We're running out of tits!  You, boy!" he points to a Production Assistant.  "Go find some asses, get out there on Sunset and round up a few dozen nice tits.  Get some handsome boys while you'r'e at it...make sure they're eighteen and have them sign their releases."

            Game Of Thrones.  It was a relief when Season Five ended.  We'd had enough.  It was like eating a whole bag of miniature Reeses Pieces.  It made us sick.

It was delicious when we started.  Then it got a little cloying but we couldn't stop.  Then we wanted to puke and still we couldn't stop.  It was crazy!  Get us to some Hallmark Entertainment, or....some Disney.  No, wait.  When you look deeply enough into Disney you find shit that's even more creepy than Game Of Thrones.