Monday, September 15, 2008

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of rss:Debt Law Network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3809

Here is the message that has just been posted:
***************
The Servicemembers Civil Relief Act (SCRA) (http://usmilitary.about.com/od/sscra/l/blscramenu.htm), signed into law on December 19, 2003, limits collection tactics and enforcement of claims against active duty military personnel.* In this post, I will discuss how the SCRA protects activy duty military personnel from default judgment.
The SCRA, Section 201 - Protection of Servicemembers Against Default Judgments (http://usmilitary.about.com/od/sscra/l/blscra201.htm), applies to any civil action or proceeding in which the defendant does not make an appearance in the case.* Section 201 of the SCRA requires a plaintiff to file an affidavit with the court before entering judgment against the defendant.* This affidavit must state that either 1) the defendant is not in military service, 2) the defendant is in military service, or 3) the plaintiff cannot determine whether the defendant is in military service.
If the defendant in the action appears to be in military service, the court may not enter a judgment against that defendant unless the court appoints an attorney to represent the defendant.* The SCRA provides special rules for stays of the civil proceedings for a minimum period of 90 days if the court determines that 1) there may be a defense to the action and a defense cannot be presented without the presence of the defendant or 2) after due diligence, counsel has been unable to contact the defendant or otherwise determine if a meritorious defense exists.
If it cannot be determined whether the defendant is in military service, the court, before entering judgment, may require the plaintiff to post a bond in an amount approved by the court.* If it is later found that the defendant was in military service, the bond is used to indemnify the defendant against any loss or damage that the defendant may have suffered as a result of the default judgment being entered.
*If you liked that post, then try these...*

Should You Voluntarily Give Back Your Auto Before Repossession? (http://www.debtlawnetwork.com/should-you-voluntarily-give-back-your-auto-before-repossession/) by Karen Oakes, Southern Oregon Debt Law Attorney
Who is Not Subject to All Provisions of the Fair Debt Collection Practices Act (FDCPA)? (http://www.debtlawnetwork.com/who-is-not-subject-to-all-provisions-of-the-fair-debt-collection-practices-act-fdcpa/) by Stephen Otto, Pittsburgh Consumer Attorney
Some Debt Is Not Covered By The FDCPA - Business Debt (http://www.debtlawnetwork.com/some-debt-is-not-covered-by-the-fdcpa-business-debt/) by Andy Miofsky, Illinois Consumer Law Attorney

More... (http://www.debtlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of rss:Debt Law Network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3810

Here is the message that has just been posted:
***************
Recently, our firm received a question from an individual/employer.* The question was as follows:* "My company gets calls from collectors for employees all the time. They will hardly ever identify themselves, but I have one company in particular who calls all the time. I have a log and their company name and address. Is that enough to turn in to the State Attorney General?"
The state attorney general may pursue the debt collector but this may be a case that falls under Section 1692d of the Fair Debt Collection Practices Act (http://abusivedebtcollection.com/text-of-the-fdcpa/).* Section 1692d states "A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt."* Arguably this individual/company owner falls in to the definition of any person.* The protections of Section 1692d are not limited to consumer or debt.* They are open to any person and that may include employers, creditors, relatives, friends, and neighbors affected by violations connected with consumer transactions.
*If you liked that post, then try these...*

Who is Subject to All Provisions of the Fair Debt Collection Practices Act (FDCPA)? (http://www.debtlawnetwork.com/who-is-subject-to-all-provisions-of-the-fair-debt-collection-practices-act-fdcpa/) by Stephen Otto, Pittsburgh Consumer Attorney
Landlord charged with serving fake eviction notice (http://www.debtlawnetwork.com/landlord-charged-with-serving-fake-eviction-notice/) by Chip Parker, Jacksonville Debt Law Attorney
How Long Does It Take A Check To Clear (http://www.debtlawnetwork.com/how-long-does-it-take-a-check-to-clear/) by Andy Miofsky, Illinois Consumer Law Attorney

More... (http://www.debtlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Oklahoma Law blog.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3803

Here is the message that has just been posted:
***************
The demise of Bear Stearns and the bankruptcy of Lehman Brothers, followed by the purchase of Merrill Lynch by Bank of America, heralds the final end of the Wall Street business model.
B of A's CEO claims that for seven years he predicted the commercial banks would end up owning the investment banks. Merrill's CEO claims that this would be great for Merrill's 16,000 registered representatives because they will have access to B of A's customer base.
However, the bank owned model of broker dealers and the Wall Street model have been radically different. The banks have never been as tolerant of risk nor as tolerant as salesmanship. As a result, the banks have had a narrower range of products.
Merrill Lynch training and compliance has always been enviable in the industry. But, neither will be as necessary in the new world where banks dampen the sharp edges more than regulators. Banks like to charge fees and so many of the free services with which Merrill Lynch built its book of business will no longer be free. Banks like the wealthy and have very little to offer the non-wealthy (currently defined as someone with less than $500,000 of investable assets). Retail broker dealers liked everyone. It is interesting to see which business model failed.
Image: http://feeds.feedburner.com/~f/TerraExtraneus?i=po00L </img> (http://feeds.feedburner.com/~f/TerraExtraneus?a=po00L)
Image: http://feeds.feedburner.com/~r/TerraExtraneus/~4/393255897

Oklahoma law Blog (http://terraextraneus.com/index.php/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3664

Here is the message that has just been posted:
***************
Credit scores are the driving force of consumer finance.* And consumer finance is the driving force of our economy.* But obsessing over your score can be time-consuming and unrewarding.* Your credit score (http://www.creditlawnetwork.com/what-is-my-credit-score/) says nothing about you as a person.
I spoke with a young woman a few months ago who was upset with a credit card lender that had reported her late payment.* It hurt her credit score.* I asked her if she had been applying for a loan or other credit?* No.* Had her interest rate increased or had any other loan rates increased?* No. * Did she anticipate applying for any new loans or credit in the next few years?* Not really.* Had she actually been late with the payment?* Yes, although she subsequently paid off the entire balance owed.
As a consumer lawyer, I hear from people fairly regularly who are hurt by poor credit reporting.* So in this case, it took a moment to realize my potential client had not really been harmed at all.* Her score had dropped a few points, that was true.* However, the score was not relevant to anything she needed or wanted and no one else knew.
But in a more profound way, she was hurt.* Not in a legal sense, but psychologically.* She had completely absorbed the credit industry's viewpoint that a credit score defines who you are, and how good a person you are.* To her — and to millions of Americans — a credit score defines self-worth.* Obsession with credit or debt can become dangerous or tragic (http://www.debtlawnetwork.com/debt-and-suicide/).
Don't be fooled.* Your credit score doesn't define who you are.* It is not a value judgment.* You are not a better or worse person based on your payment history with Visa!* A credit score is only a crude backward-looking estimation of your credit risk probabilities, nothing more.
I had a short discussion about this with the young woman on the phone.* Later I received a very sweet thank you card from her.* She had begun to see that she had never really thought about what her credit score meant but had allowed monitoring it, feeding it, making it happy to become a small obsession.* Getting past it was a liberating experience for her.
Don't get me wrong, credit scores are important and influence far too many (http://toughmoneylove.com/2008/08/07/my-campaign-against-credit-score-obsession-part-1/)financial transactions these days.* They just aren't everything.
*If you liked that post, then try these...*

Test Your Credit Knowledge (http://www.creditlawnetwork.com/test-your-credit-knowledge/) by Stephen Otto, Pittsburgh Consumer Attorney
Really Free Year Round Credit Report (http://www.creditlawnetwork.com/really-free-year-round-credit-report/) by Andy Miofsky, Illinois Consumer Law Attorney
Is Suze Orman The Light Of Your Financial Future? (http://www.creditlawnetwork.com/is-suze-orman-the-light-of-your-financial-future/) by Rachel Lynn Foley, Kansas City Missouri Consumer Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3672

Here is the message that has just been posted:
***************
Credit card company raise your interest rate without notice, pulling the rug out from under you?* If so, you may be in luck.
Boston.com (http://www.boston.com/business/articles/2008/08/22/us_banks_fight_limits_on_credit_changes/) reports on a bill currently pending in Congress would stop credit card companies from just deciding it's time for them to get more money by raising your interest rates and fees. The terms that you were told when you first signed the contract for the card (perhaps minus some exceptionally fine and vague print, or a flat-out "any time, any reason" policy) would be enforced and maintained if the bill passes.
Most are beyond enraged when they find that their debt will soon be significantly increasing as they notice their interest rate has suddenly jumped. With only about 40% (according to Ben Woosley, director of research at CreditCards.com (http://www.creditcards.com)) of consumers paying their balances in full every month, chances are good that you're in the angry majority.
If the bill passes, it will also make credit card companies mail statements 25 days before payment due dates, as opposed to the current minimum of 14 days.
Credit card debt is almost twice what it was in 1996, nearing *one trillion dollars*. If it passes, this bill would likely reduce the pace of increase in debt levels, which would lighten the burden on your wallet.
*If you liked that post, then try these...*

Debtor Wants to Pay Creditor - Creditor Refuses to Negotiate in Good Faith (http://www.creditlawnetwork.com/debtor-wants-to-pay-creditor-creditor-refuses-to-negotiate-in-good-faith/) by Jonathan Ginsberg
What Is In Your Agreement Capital One? (http://www.creditlawnetwork.com/what-is-in-your-agreement-capital-one/) by Kent Anderson, Oregon Bankruptcy Lawyer
AARP pooh poohs Medical Credit Cards (http://www.creditlawnetwork.com/aarp-pooh-poohs-medical-credit-cards/) by Andy Miofsky, Illinois Consumer Law Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3671

Here is the message that has just been posted:
***************
Identity theft is rampant in this country, and we've previously reporting on ways to reduce the risk of identity theft (http://www.creditlawnetwork.com/identity-theft-what-can-the-average-american-do/).* But we're always looking for an easier way to get things done.
Technology has made life in the 21st century a breeze in comparison to the lives our grandparents lived.* The Internet has been the driving force behind much of this.* It has revolutionized almost every aspect of life, from how people get their news to how they shop.* Of course, every new marvel has a dark underbelly and the Internet is no different.* With all those names, social security numbers, and credit card numbers floating around the web, it's no wonder that identity theft has skyrocketed in recent years.* This doesn't mean you have to be another helpless victim, though.
Here's one simple way to prevent identity theft from happening to you.
Empty your wallet.* Yes, it can be that simple.
A lot of people carry a driver's license, a social security card, multiple credit cards, a medical insurance card, and the list goes on.* If you are one of these people and your wallet is lost or stolen, the thief now has access to all that information which he can pass on to others.* Simply removing your social security card makes identity theft much more difficult.* By reducing the amount of identifiable material you carry, you reduce the scope of damage the thief can do to your credit.
All those cards that are now free of your wallet should be locked away in a secure place, like a locking filing cabinet or a safe.* You should also place anything else with your information on it in the same place.* Burglars won't just take your television and stereo, they could take your identity if you're not careful.* If you don't need to keep something with your information on it, shred it.* It's best to use a cross-cut shredder.
Never just throw that stuff away.* You never know who is going through your garbage.
While no one is ever completely safe from identity theft, a few simple steps can greatly reduce the chances of it happening to you.
*If you liked that post, then try these...*

E-threats to Your Identity - Phishing (http://www.creditlawnetwork.com/e-threats-to-your-identity-phishing/) by Stephen Otto, Pittsburgh Consumer Attorney
Credit Unions: Lots Better Than Payday Loans (http://www.creditlawnetwork.com/credit-unions-lots-better-than-payday-loans/) by Brett Weiss, Esq.
What Is the Fair Credit Reporting Act? (http://www.creditlawnetwork.com/what-is-the-fair-credit-reporting-act/) by Kevin Gipson, New Orleans Consumer Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3670

Here is the message that has just been posted:
***************
It's no great secret that the banking industry is floundering and that credit has tightened considerably. But to date, no one has considered the effect of all of this on the nation's credit unions. *Credit Unions are beginning to follow banks and mortgage companies into failure.
While the National Credit Union Administration does publish statistics of failures, the most recent data ends in 2005 (http://logec.repec.org/scripts/paperstat.pl?h=RePEc:fip:fedfel:y:2005:i:aug19:n:2005-20) and does not show current trends. *Even though Credit Unions are generally smaller than banks, they are allowed to finance mortgages. *If even a single mortgage loan falls into default, a small credit union's financial health can be compromised. *Because credit unions often are run by non-banking professionals, lending criteria aren't always followed resulting in riskier loans.
In the past two months, two Federally insured Credit Unions have failed in the State of Connecticut. *One of them, the New London Security Federal Credit Union, was formed in the depths of the depression in 1936 and had over $12.7 million in assets. The other, Meriden F.A. Federal Credit Union, was much smaller with assets of only $337,968,00.
Credit Unions offer similar deposit insurance to banks, covering $100,000 in deposits and up to $250,000 for retirement accounts. In the case of the new London credit union, however, $800,000 of the deposits were not covered by insurance.
The New London Security Federal Credit Union had only 2% of its $12.7 million assets invested in loans. *Ed Rachleff, New*London Security FCU's investment advisor committed suicide only hours after the credit union was closed by leaping from an open window on the 11th story of the Mohican Senior Apartments and now authorities are looking for reasons (http://www.hartfordbusiness.com/news6272.html) for that credit union's failure.
*If you liked that post, then try these...*

Creditors Try To Collect Debt Discharged By Bankruptcy (http://www.creditlawnetwork.com/creditors-try-to-collect-debt-discharged-by-bankruptcy/) by Susanne Robicsek, North Carolina Bankruptcy Attorney
Citibank Says, "Stealing From Our Customers is a Business Decision" (http://www.creditlawnetwork.com/citibank-says-stealing-from-our-customers-is-a-business-decision/) by Jay Fleischman, New York Consumer Attorney
Credit Card Companies Are Reducing Credit Lines. Why? (http://www.creditlawnetwork.com/credit-card-companies-are-reducing-credit-lines-why/) by Carmen Dellutri, Attorney at Law

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3669

Here is the message that has just been posted:
***************
Have you ever tried to negotiate with your credit card company?* Perhaps you want to reduce the interest rate, or make a deal on the balance owed.
Reducing the interest rate, if you're in good standing, is relatively easy; especially if you're receiving offers from other companies to transfer your balances.* Under those circumstances, simply call your credit card company and explain to them that you've received an offer to transfer your balance. Usually your company will find a way to keep your business by reducing their interest rate to be competitive.
But, negotiating with the credit card company when you're behind, and your interest rate is going up, is a different matter altogether. Don't expect them to be particularly sympathetic. Their position will be that they lent you the money to buy whatever it was you used the credit card for, and now you should pay them back. Never mind that they're now charging you 25% interest plus late charges causing the $200 purchase to become $1000 in debt!
If you are trying to negotiate your balance remember that credit card companies will almost never take payments on a reduced amount.* They may, however, lower the balance for a cash settlement, particularly if you're behind and have missed a couple of monthly payments.* Unless you're going to pay them a significant portion of the debt, however, they'll transfer the account to their collection department or an outside collection company. Curiously, once that happens, you have a better chance of negotiating!
In part 2, I'll give you some hints about negotiating with a collection agency or department.
*If you liked that post, then try these...*

Credit Cards Versus Charge Cards (http://www.creditlawnetwork.com/credit-cards-versus-charge-cards/) by Stephen Otto, Pittsburgh Consumer Attorney
What Type Of Credit Card Do You Have? Part I (http://www.creditlawnetwork.com/what-type-of-credit-card-do-you-have-part-i/) by Carmen Dellutri, Attorney at Law
Exodus 22:24-26 (http://www.creditlawnetwork.com/exodus-2224-26/) by Rachel Lynn Foley, Kansas City Missouri Consumer Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3668

Here is the message that has just been posted:
***************
September 1st is a free credit report day for me.* So is January 1st, and May 1st.* Every four months I send*a free credit report request (https://www.annualcreditreport.com/cra/requestformfinal.pdf) to annual credit report dot com.* Annual Credit Report provides a free report from each of the three major credit reporting agencies, Equifax, Experian and Trans*Union.* You are permitted one free report from each bureau once per year.* There is a charge for additional reports.* By using this tip you can keep the free credit report pipeline open all year long.
I*request a report from only one company at a time, but I do that every four months, so that over the year I receive 3 separate reports.* If you have a computer and if your computer has access to a calendar system, like Outlook or Google Calendar, you can program a reoccuring event to notify you when to order the next report.* Easy Schmeasy.* Get one free report*in the mail every four months.* Free is good.* Really Free is better.
Addtional information is available on the Federal Trade Commission (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm) website.
*If you liked that post, then try these...*

Debt Collectors Are Making Money Hand Over Fist In This Time Of Crisis (http://www.creditlawnetwork.com/debt-collectors-are-making-money-hand-over-fist-in-this-time-of-crisis/) by Carmen Dellutri, Attorney at Law
Identity Theft Insurance: More Bogus Bank Charges for Dubious Benefits (http://www.creditlawnetwork.com/identity-theft-insurance-more-bogus-bank-charges-for-dubious-benefits/) by Kent Anderson, Oregon Bankruptcy Lawyer
Erase Your Debts Legally! (http://www.creditlawnetwork.com/erase-your-debts-legally/) by Jay Fleischman, New York Consumer Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3667

Here is the message that has just been posted:
***************
In part 1 (http://www.creditlawnetwork.com/negotiating-with-your-credit-card-balance-part-1/) I discussed negotiating with your credit card company.* Once that fails and the account gets significantly behind, they will transfer it to their collection department or an outside collection agency.
Curiously enough, collection departments or agencies, although often more aggressive than the credit card company, will usually negotiate more readily. They're paid on what they can get, so a dollar in hand is worth a lot more to them than two dollars over a long period of time.
There are a couple of tricks to remember in negotiating with a collection department or agency.* First of all, there's little to be gained in threatening them with bankruptcy.* They've heard that many many times, and simply won't believe you.
They've also heard the "identity theft" argument: "it wasn't me; the card was stolen."* That will usually result in them telling you to make a police report or file a statement with the Federal Trade Commission (http://www.ftc.gov/).
Just remember not to be penny wise and pound foolish. Sure you might be able to negotiate a $10,000 credit card and pay it off with $6000 in cash, saving $4000, but that won't have any better effect on our credit report than a bankruptcy will.* In fact, bankruptcy may well be the more prudent and less expensive thing to do.* Before you pay anything under these circumstances, check with a good consumer bankruptcy attorney.* There may be better options available.
*If you liked that post, then try these...*

More People Will Fall Behind On Their Credit Cards This Year, Says Rating Agency (http://www.creditlawnetwork.com/more-people-will-fall-behind-on-their-credit-cards-this-year-says-rating-agency/) by Jay Fleischman, New York Consumer Attorney
Exodus 22:24-26 (http://www.creditlawnetwork.com/exodus-2224-26/) by Rachel Lynn Foley, Kansas City Missouri Consumer Attorney
What's In Your Wallet - A Lower Credit Limit And Lower Score (http://www.creditlawnetwork.com/whats-in-your-wallet-a-lower-credit-limit-and-lower-score/) by Andy Miofsky, Illinois Consumer Law Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3665

Here is the message that has just been posted:
***************
Credit card banks may offer settlement at a reduced amount if you get behind and fail to keep current on your payments.* My colleague, Doug Jacobs, talks about Negotiating Your Credit Card Balance (http://www.creditlawnetwork.com/negotiating-with-your-credit-card-balance-part-1/) in an earlier series of articles on this website.* However, if a bank or other finance company agrees to settle a debt for less than the balance due, IRS regulations require them to file a 1099-C reporting the cancellation of debt income you receive from the settlement.
While settling a debt for less than the balance due improves your financial position and may allow you to avoid bankruptcy, this benefit comes at a price.* The difference between the debt that is due and the amount you pay will be included in your income for tax purposes by the IRS in the year when the debt was cancelled. *If you do not report the income on your tax return, the IRS will send you a notice from the under-reporter unit and then assess more tax (and a penalty) if you can not show there is some reason to exclude the amount.
There are several exceptions to the rule that can avoid tax on the cancelled debt (http://www.bankruptcylawnetwork.com/2008/09/06/bankruptcy-can-stop-cancellation-of-debt-tax/).* If the debt is discharged in bankruptcy, it is not considered to be income to you.* Despite the credit counseling requirement of the bankruptcy law, you may be better off with a bankruptcy discharge than a settlement of your debt at a discount.
*If you liked that post, then try these...*

What Bills Should You Pay? Feed The Bear First! (http://www.creditlawnetwork.com/what-bills-should-you-pay-feed-the-bear-first/) by Wendell Sherk, Missouri Attorney
More debt reduction companies sued (http://www.creditlawnetwork.com/more-debt-reduction-companies-sued/) by Chip Parker, Jacksonville Consumer Attorney
What Is In Your Agreement Capital One? (http://www.creditlawnetwork.com/what-is-in-your-agreement-capital-one/) by Kent Anderson, Oregon Bankruptcy Lawyer

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3666

Here is the message that has just been posted:
***************
Image: http://www.creditlawnetwork.com/wp-content/uploads/2008/09/citigroup-logo-300x86.jpg (http://www.creditlawnetwork.com/wp-content/uploads/2008/09/citigroup-logo.jpg) citigroup-logo

What do you think would happen if you walked into a convenience store and took money out of the till? How about if you robbed a bank? Embezzled from your employer? I'd be willing to bet that you'd be serving some serious jail time… unless, of course, you're Citibank. The lending giant stole, in effect, over $14 million dollars from credit card holders between 1992 and 2003, according to the State of California Department of Justice.</p> Marketplace (http://marketplace.publicradio.org/display/web/2008/08/27/citigroup_refund/) is reporting that Citigroup has agreed to a settlement following a three-year investigation for their "account sweeping program." According to California Attorney General Edmund G. Brown, Jr. (http://ag.ca.gov/) this practice consisted of taking positive credit card balances from customer accounts and putting them into a corporate account.** Even worse – the vast majority of the 53,000 accounts affected by the sweep were in recovery status, which means that Citibank was targeting the recently deceased as well as those suffering from financial hardship (such as those in the bankruptcy process, or in collections from Citibank).
According to the press release (http://ag.ca.gov/newsalerts/release.php?id=1602) on The California Attorney General's website, an anonymous Citibank executive said, "Stealing from our customers is a business decision, not a legal decision." The same executive later said that the sweep program "…could not be stopped because it would reduce the executive bonus pool".
How can such a thing occur? Why is it only now getting media attention? If you find it hard to believe that no one said anything about this program, you should know that someone tried. According to The Consumerist (http://consumerist.com/5045056/citibank-must-pay-back-the-14-million-it-stole-from-customers-over-a-decade), "…a whistleblower brought the program to the attention of an internal audit team in 2001, but that person was ignored and later fired."
The terms of the settlement stipulate that Citibank must pay back the affected customers the "swept" amount plus 10% by June of 2009, but many customers consider this to be nothing more than a slap on the wrist, as no criminal charges have discussed as of yet. Apparently theft isn't theft if you're Citibank.
*If you liked that post, then try these...*

Credit Repair -- Beware of the Predators! (http://www.creditlawnetwork.com/credit-repair-beware-of-the-predators/) by Wendell Sherk, Missouri Attorney
AARP pooh poohs Medical Credit Cards (http://www.creditlawnetwork.com/aarp-pooh-poohs-medical-credit-cards/) by Andy Miofsky, Illinois Consumer Law Attorney
Is Bankruptcy Court The New Venue For Legal Malpractice Claims? (http://www.creditlawnetwork.com/is-bankruptcy-court-the-new-venue-for-legal-malpractice-claims/) by Carmen Dellutri, Attorney at Law

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of credit law network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3663

Here is the message that has just been posted:
***************
Having been hit by the mortgage crisis, and increasing defaults, banks looking to increase profits, or decrease losses, are trying harder to get money owed to them, faster.
Banks are putting people to work collecting, as opposed to lending.
They are contacting you earlier if you are late on a payment.
Banks are making some deals to reduce credit card debt (http://online.wsj.com/article/SB122100709651817495.html?mod=googlenews_wsj), but there are no programs that "the credit card companies don't want you to know about", like you hear on the radio ads.
You have nothing to lose by contacting your credit card holder if you are, or will have, trouble making the payment.
Some of them offer programs online, so you can avoid any embarassing phone call.
If you are making an offer, be sure you have figured out your complete budget (http://www.bankruptcylawnetwork.com/2008/01/08/preparing-your-chapter-13-budget-part-one/) first, and only commit to pay an amount you are certain you can pay.

There is more stick than carrot in the intensified collection efforts.
Some banks are sending phone cards, which can only be activated if you talk to them about your debt.
And, they are sending files out to collection agencies faster.
This is not legally worse for you, in fact, there are more restrictions on what collection agencies can say or do than on the debt holder itself, under the Fair Debt Collection Practices Act, or FDCPA (http://www.bankruptcylawnetwork.com/2007/07/02/the-fair-debt-collection-practices-act-fdcpa-2/).
*If you liked that post, then try these...*

E-threats to Your Identity - Phishing (http://www.creditlawnetwork.com/e-threats-to-your-identity-phishing/) by Stephen Otto, Pittsburgh Consumer Attorney
Debt Collectors Are Making Money Hand Over Fist In This Time Of Crisis (http://www.creditlawnetwork.com/debt-collectors-are-making-money-hand-over-fist-in-this-time-of-crisis/) by Carmen Dellutri, Attorney at Law
A merchant in Texas cannot charge you extra if you pay by credit card (http://www.creditlawnetwork.com/a-merchant-in-texas-cannot-charge-you-extra-if-you-pay-by-credit-card/) by Pam Stewart, Texas Bankruptcy Attorney

More... (http://www.creditlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

Sunday, September 14, 2008

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of rss:Debt Law Network.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3659

Here is the message that has just been posted:
***************
Image: http://i204.photobucket.com/albums/bb42/deadlast01/DSCF0499.jpg Nobody owns sarcasm the way Stephen Colbert owns sarcasm.* Responding to Democratic criticism of conservative economic policy, Stephen Colbert provides proof that the economy is in great shape (http://www.colbertnation.com/the-colbert-report-videos/180125/august-27-2008/repo-man).* Even in this depressing economic cloud, there's always a (tarnished) silver lining.
When it comes to repossessing property, there are certain conditions that prevent the repo man from carrying out his assignment.* Generally speaking, he cannot:
* disturb the peace, which means that if a confrontation ensues as a result of his repossession efforts, he must back down and go away;
* commit a crime in the process of repossession, which includes assault, battery, breaking and entering or violating a posted "No Tresspassing" sign; or
* violate the automatic stay imposed in a pending bankruptcy case.

If the repo man doesn't play by the rules, he could be fined, arrested and/or sued for violating the automatic stay and/or the Fair Debt Collection Practices Act (http://www.bankruptcylawnetwork.com/2007/10/25/liability-of-repossession-companies-under-the-fdcpa/).
*If you liked that post, then try these...*

Debt Collection Methods & The FDCPA - Part One: Letters (http://www.debtlawnetwork.com/debt-collection-methods-the-fdcpa-part-one-letters/) by Stephen Otto, Pittsburgh Consumer Attorney
The FDCPA & Common Consumer Complaints to the Federal Trade Commission (FTC) (http://www.debtlawnetwork.com/the-fdcpa-common-consumer-complaints-to-the-federal-trade-commission-ftc/) by Stephen Otto, Pittsburgh Consumer Attorney
Zombie Debt, Being Sued by a Debt Buyer (http://www.debtlawnetwork.com/zombie-debt-being-sued-by-a-debt-buyer/) by Kurt O'Keefe, Detroit Consumer Law Attorney

More... (http://www.debtlawnetwork.com/feed/)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

Saturday, September 13, 2008

[creditwrench newsletter] New Post/Thread Notification: Credit repair discussions

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of The Simple Dollar.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3641

Here is the message that has just been posted:
***************
I get five or so requests a week from people who want a PC at home that they can surf the web and check email from. Most of them don't want to do anything much more complicated than watching YouTube videos. I usually give them all the same recipe for doing this on the cheap, and thus I thought it'd be worthwhile to present it to all of my readers.
If you want this kind of system, here's how you can get it for *usually less than $100*.
*Step 1: Get the Basic Hardware You'll Need*
Start off by hitting the yard sales and your social network for the basic pieces. What you're looking for are the basic components of an old PC. You'll need a monitor, the computer box itself (which should include a CD drive or - preferably - a drive that can read DVDs, too), a keyboard, a mouse, and perhaps some speakers. Many people upgrade their computers on a regular basis, tossing out old monitors that still work or other peripherals they don't need, so just ask around.
You won't need much of a computer at all - anything above 1 gigahertz or with more than 384 megabytes of memory will do. I purchased a computer seven years ago with substantially more hardware than that, so it should be easy to find without much expense at all.
Don't know much about computer specifics? Your best bet is to simply get ahold of the person you know with the most computer knowledge and tell them that you're looking for the pieces for a very low-end PC.
If you feel more comfortable, you can simply check out Dell (http://www.dell.com/) or your local superstore and get the least expensive computer that they sell - this way, you can be sure the hardware is new, at least, though you'll likely spend $200-400 in this case. Once you get it home, though, you should ignore the version of Windows that comes with it and continue below, because on a low-end system like that, Windows will run quite slowly - there is a better way.
*This is the only part that will cost you any money at all.* The remaining steps won't cost you a dime.
Image: http://www.thesimpledollar.com/wp-content/uploads/2008/09/ubuntu.jpg *Step 2: Get the Basic Software You'll Need*
Don't just install Windows, as Windows will run extremely poorly on that old of a system (and it's expensive, too). Instead, get a user-friendly version of Linux called Ubuntu. If you have a friend that can burn a few CDs for you, you can download it for free (http://www.ubuntu.com/getubuntu/download) and have your friend make CDs of it. Otherwise, you can request that they mail you a CD of it for free (https://shipit.ubuntu.com/). The free CD by mail takes quite a while, so you might want to get on it if you want to order one.
Don't let the unknown make you fearful - Ubuntu is easy to use. I would happily install Ubuntu on the computer of even the biggest computer novice without much worry. In fact, Ubuntu is currently running on one of my computers here at home - the only desktop PC in our home is running Ubuntu, not Windows.
When you've put together that basic system (plugged the mouse, keyboard, monitor, and speakers into the central unit, then plugged the central unit and monitor into the wall), just put the CD into the CD drive, then power it up. The installation will walk you through the steps - easy as pie.
Remember, *even if you have difficulty getting Ubuntu to work, you haven't invested any money in it at all*, so you can always back out and try using something else with no worries.
Once you're going with it, there's extensive online help (https://help.ubuntu.com/) that addresses just about every question you might possibly have on your home computer. If you're moving to this from Windows, here's an excellent guide for making that transition (https://help.ubuntu.com/8.04/windows/C/), including bringing over all of your web bookmarks, your email settings, and so on. You will probably also want to set things up to allow yourself to play restricted media (https://help.ubuntu.com/community/RestrictedFormats), like DVDs, mp3 files, and so forth.
*Step 3: Get the Other Software You'll Need*
Ubuntu comes with most of the software you need - Firefox (http://www.firefox.com/) for browsing the web, Thunderbird (http://www.thunderbird.com/) for email, and lots of other software packages. You may also be interested in getting OpenOffice (http://www.openoffice.org/) (free word processing, spreadsheets, and so on) and KMyMoney (http://kmymoney2.sourceforge.net/index-home.html) (free money management software, like Quicken).
In fact, *the sole reason I haven't switched to Ubuntu myself* is the lack of a good replacement for Adobe Photoshop. There are several applications which attempt to mimic it (and do a solid job), but I use Photoshop for so many purposes that until they release a Linux version, I'm going to be sticking with the Mac/PC world. For almost everyone else, this isn't really an issue, but I thought I'd clarify my biggest reason for not jumping on board.
In short, *if you just want a very basic home PC to check email and browse the web, this is the cheapest way to get one*. You can get a fully-functional, visually appealing, and rather speedy home computer for just the cost of a handful of component parts - most of which you can find very cheaply if you hunt around and tap your social network a bit.
Image: http://feedads.googleadservices.com/~a/AVAXiEYLihdXTdx_egWSHl2p8DE/i </img> (http://feedads.googleadservices.com/~a/AVAXiEYLihdXTdx_egWSHl2p8DE/a)
Image: http://feedproxy.google.com/~f/thesimpledollar?d=41 </img> (http://feedproxy.google.com/~f/thesimpledollar?a=egMwBqNB) Image: http://feedproxy.google.com/~f/thesimpledollar?i=tuGlYTrk </img> (http://feedproxy.google.com/~f/thesimpledollar?a=tuGlYTrk) Image: http://feedproxy.google.com/~f/thesimpledollar?i=QWy4Oy9J </img> (http://feedproxy.google.com/~f/thesimpledollar?a=QWy4Oy9J) Image: http://feedproxy.google.com/~f/thesimpledollar?i=I0ANdcPx </img> (http://feedproxy.google.com/~f/thesimpledollar?a=I0ANdcPx) Image: http://feedproxy.google.com/~f/thesimpledollar?i=ltTiYQoZ </img> (http://feedproxy.google.com/~f/thesimpledollar?a=ltTiYQoZ)
Image: http://feedproxy.google.com/~r/thesimpledollar/~4/yM2oSkBCeIE

More... (http://feeds.feedburner.com/thesimpledollar)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

Friday, September 12, 2008

[creditwrench newsletter] Re: [creditwrench] Collections Law

hello well my name is Lisa and I have a 2 year old credit card judgement against me.  I have read Richard Cornforths book how to beat up on debt collectors.  My first question is what is the date for SOL.....  I understand that it was the date of the last payment you made is that correct.  In Virginia where I live SOL on an Oral Contract is 3 years.  I quit paying my credit card bill December 17, 2005.  They proved in this court that all I had was an oral contract no written was produced.  I am not totally ignorant of the law as I have been able to make myself debt proof for the last two years so all they have collected is 18.00 which was in a bank account.  Richard Cornforth told me they were not allowed to take that money as it put me below the poverty line or something to that meaning.  So now what I am understanding by what I am reading is that this would havet to go to Federal Court.  Now can you please tell me how do I learn all I can about this????  It is somewhat in Mr. Cornforths book but I am concerned the same thing that happened in state court will happen in a new court.  Please contact me with any help you can give.  I went on the call tonight which was suppose to happen every friday night at 7 I assume that was central time and no one was on.   my email is lisaangle0028@yahoo.com.....  thank you in advance Lisa

--- On Fri, 9/12/08, Creditwrench <creditwrench@gmail.com> wrote:
From: Creditwrench <creditwrench@gmail.com>
Subject: [creditwrench newsletter] [creditwrench] Collections Law
To: creditwrench@googlegroups.com
Date: Friday, September 12, 2008, 3:16 PM

collection of summary judgment

How to win with Creditwrench

Question:


I have a court case in which a credit card company is seeking a summary judgment. If the summary judge\ment is awarded, what can be done to collect this debt. I have tried to work with the credit card companies attorney, by offering to pay what I can but they want a settlement I can not coming up with. Also if the judgment is awarded will the judge set the amount to be paid and what if they amount is more than I can make each month. Will they be able to take money out of my husbands checking account.

Thanks

Phyllis

Answer:



Creditwrench
If a summary judgment is awarded? There isn't any "if" to it unless you start learning how to deal with the situation in a realistic way. And no, when the judgment is awarded to the plaintiff the judge will not set the amount they can take. State and federal law does that and it is set at a maximum of 25% of your take home pay so long as that leaves you a minimum amount of just over $150 a week. There is a formula they must follow in garnishment of wages.

They can take money out of your husband's checking account if you live in a community property state. There are other special situations in which they can grab money out of a spouse's checking accounts but those are not common.

Now then, why are you worried about getting a judgment against you? Of course, one reason might be that most people who are sued for debts lose and get judgments against them. Most of them lose because they don't even try to defend themselves. Others lose because they answer the complaint with some dumb letter they think ought to get them off the hook but never does. Others lose because they come up with some cute sounding idea they found on the internet that has no validity whatever.

But when it is all said and done it all boils down to simple ignorance about the law. They think they don't have time to learn the law and learn how to control the situation in a realistic way. They don't know and don't learn that they can control how the judge rules or how to keep the judge from ruling at all.

Yes, defendants can actually keep the judge from making a ruling at all. They can tie the judge's hands completely just by knowing the law, the rules of civil procedure and the rules of evidence. They do not have to take abuse in the courtroom. They can do something about it. They just have to know that they can and how to do it and it don't take long to learn.

So what will you do? Just let the court do as it pleases to you or are you willing to learn and stand up and fight against the abuse handed out all over America today?

Creditwrench students know how to make the judge get off the case if he abuses them in court or makes totally wrong rulings. It isn't hard to do at all.

It's all up to you. Don't take it laying down.


--
Posted By Creditwrench to creditwrench at 9/12/2008 02:06:00 P

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

Thursday, September 11, 2008

[creditwrench newsletter] Re: New Post/Thread Notification: ASK AN ATTORNEY

Bill,

Coit's Root Beer stand tonight for the meeting? I have a hunch you didn't
get my last email or you didn't have time to respond. I plan on bringing
the man (Walter) with me too.

Thank you,

Tiffanni

----- Original Message -----
From: "CreditWrench" <ceo@creditwrench.com>
To: <creditwrench@googlegroups.com>
Sent: Wednesday, September 10, 2008 9:17 PM
Subject: [creditwrench newsletter] New Post/Thread Notification: ASK AN
ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench
under the title of Hasler law firm.

This thread is located at
http://www.creditwrench.com/consumers/showthread.php?t=3594

Here is the message that has just been posted:
***************
Thanks to World of Work Law Blog for Major Changes to ADA Coming
(http://www.worldofworklawblog.com/2008/08/articles/news/major-changes-to-ada-coming/).
My personal opinion is that the ADA was effectively neutered for plaintiffs
(employees) ages ago by the United States Supreme Court. I followed it more
closely when I was in-house counsel for this very same reason: employers
who ignore the ADA are the ones who plaintiffs sue successfully. "Here's
something to be watching: a bill currently winding its way through Congress
is likely to bring significant changes to the Americans with Disabilities
Act. The bill, knows as the ADA Amendments Act ('ADAAA'), will greatly
broaden the scope of the ADA.

Some highlights of the ADAAA:

* Reverses several Supreme Court decisions that have seemingly narrowed the
coverage of the ADA, restoring what the drafters perceive to be the original
Congressional intent
* Broadens the definition of disability, including what it means to be
"substantially limited in a major life activity
* Creates a list of per se 'major life activities'
* Clarifies that accommodations are not be required if an individual is
merely 'regarded as" having a disability
* Prohibits the consideration of mitigating measures such as medication,
prosthetics, and assistive technology, in determining whether an individual
has a disability
Provides coverage to people who experience discrimination based on a
perception of impairment regardless of whether the individual experiences
disability"

***
To read an official summary of the ADAAA, click here
(http://www.govtrack.us/congress/bill.xpd?bill=h110-3195&tab=summary). To
read the full text of the current bill, click here
(http://www.govtrack.us/congress/billtext.xpd?bill=h110-3195). Stay tuned
to the World of Work (http://www.worldofworklawblog.com/)for updates on
this landmark legislation.

More... (http://haslerlaw.blogspot.com/feeds/posts/default?alt=rss)
***************


--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: CreditWrench

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Debtor's Hell by The Boston Globe.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3608

Here is the message that has just been posted:
***************
More... (http://syndication.boston.com/globe/special/podcast/bg_spotlight_rss.xml)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: CreditWrench

Hello,

Creditwrench has just posted in the CreditWrench forum of CreditWrench under the title of Debtor's Hell by The Boston Globe.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3605

Here is the message that has just been posted:
***************
More... (http://syndication.boston.com/globe/special/podcast/bg_spotlight_rss.xml)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Hasler law firm.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3602

Here is the message that has just been posted:
***************
Not a civil case, but *Regenerations founder gets 10 years, owes Medicaid $3.3M* (http://www.indystar.com/apps/pbcs.dll/article?AID=/20080910/LOCAL/809100380)treads on an issue interesting to me: whistleblower/.qui tam cases.
"Regenerations, an Indianapolis nonprofit, started out small in 2005. That first year, it reported providing psychotherapy for 20 disabled people on a $30,000 budget.

But Varnador K. Sutton had grander plans for his nonprofit.
Advertisement

Over the next two years, a bogus Medicaid billing scheme netted more than $3 million in taxpayer money for Regenerations, which prosecutors said was nothing more than a shell. As that cash streamed in, Sutton made seven-figure investments and real estate deals, and bought a 2007 Lincoln MKX and 2006 Jaguar.


A federal judge this week gave Sutton a 10-year prison sentence for health-care fraud. Authorities said they have seized the cars, property and bank accounts worth more than $2 million. That gives Sutton a start on paying nearly $3.3 million in restitution to the state Medicaid program.
Until a Medicaid recipient called a hotline about suspicious activity involving Regenerations, the firm flooded Indiana's Medicaid program with claims. Sutton, who had worked for the state, submitted bills for 84,000 counseling sessions on behalf of 2,500 Medicaid recipients.


More... (http://haslerlaw.blogspot.com/feeds/posts/default?alt=rss)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: Credit repair discussions

Hello,

Creditwrench has just posted in the Credit repair discussions forum of CreditWrench under the title of The Simple Dollar.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3599

Here is the message that has just been posted:
***************
Image: http://farm4.static.flickr.com/3250/2496308570_c4245a2d4b_m.jpg (http://www.flickr.com/photos/doctorow/2496308570/)*When you ask for a bargain, the worst thing that can happen is that they say "no," which is effectively what happens if you don't ask at all.*
One thing I've learned over the last few years is that it's almost always worth your while to ask for a bargain, almost everywhere you're at. Here are nine quick examples of what I'm talking about.
*Ask for bulk kid clothes discounts at a yard sale.* The cheapest place to buy clothes for your young children is at yard sales, where you can find tons of barely-worn kids' clothes for cheap. You can make them even cheaper by asking - make an offer for all of them, save an additional 50%, and not have to worry about clothes for your tykes.
*Ask for soup bones for free (or for cheap) at the butcher.* Buy something at a butcher shop? Ask for any extra soup bones they might have - and literally use them for soup. Toss them in with some chopped meat in a pot of boiling water along with some vegetables - delicious.
*Ask for package deals at the pottery store.* I visited a potter's barn recently and asked if I could get a package deal on three items - they were happy to oblige to make the sale. It gave me the opportunity to support a local craftsman and business while still shaving some dollars off my bill.
*Ask for a lower price and/or for free amenities at the car dealership.* Go in near the end of the month when salesmen are trying to meet their quotas and negotiate hard, asking for a very low price for your car. The sticker price is just the starting point - ask for something much lower.
*Ask for extra toppings on your deli sandwich.* I used to get a foot long sandwich at Subway. Now I just get a six inch and ask for some of every vegetable (and often for extras of my favorites, such as black olives). Ask and they'd be happy to load you up.
*Ask for extra ketchup or hot sauce packets at the fast food restaurant.* One of my best friends never buys condiments - he just asks for extra packets of anything he can when he visits fast food restaurants on occasion and stores them in his fridge. Again, ask and ye shall receive.
*Ask for a raise or more flexible scheduling from your boss.* If you've been doing good work, ask your boss for a raise - or, more likely, a bit more flexibility in your schedule. An employer is more likely to give you some flexibility if you show yourself to be a solid employee - but you'll never know unless you pipe up.
*Ask for help on something that's personally challenging to you from a friend.* Having trouble kicking a habit or adopting a healthy new one? Need someone to talk to about your problems? That's what friends are for - ask them for help. You'll be surprised how helpful a good friend can be when you need help - just ask, and be willing to help in return when they need it.
*Ask for cooperation in repaying your debts from your creditors.* Having trouble getting rid of your debts? Give your creditors a ring and simply ask for a more palatable repayment plan, one that gives you the room you need. You can ask, or you can keep struggling to get through.
Again, *when you ask for things, the worst thing that can happen is that you hear "no" for an answer.* "No" isn't a bad thing at all - at the very least, it's where you were at before, and you often have a better idea of the person or organization you're dealing with.
*Building Up the Courage to Ask*
The biggest problem with this philosophy is that it takes courage and self-confidence to be able to always ask for what you want. Most people feel comfortable asking in some situations, but not in others - and the comfort zone varies from person to person.
*Whenever you ask for help, you're continuing a value exchange that is at the basis of every relationship.* It might be the value exchange between friends, between employer and employee, between client and business, or between customer and business. When you ask for something, you're simply requesting some additional value - *and that's your right*. The other person has the right to agree or disagree, of course, but you never open the door to that value if you don't ask to begin with.
Here are some things you can do to help build up your confidence to ask - and know when it's appropriate, too.
*Put extra effort into identifying "asking" situations.*
Many people don't mind asking, they just don't think about it at the times where it can be useful. Spend a day or two focusing entirely on identifying situations where asking for a bit more might come in handy. Look at all avenues of your life - where you eat, where you shop, where you work, and who you spend your time with.
*Get comfortable asking for small things and sure "yes's."*
One good place to start is to ask for extra condiments at a restaurant, or to ask a friend for a small favor. Both of these are likely to receive a positive answer, reinforcing your confidence to ask for things in life. Build up your confidence by asking for other things, like bulk buys, and eventually move on to big things, like asking for a raise, negotiating a car deal, or kicking a habit with the help of a friend. The key is to build up confidence.
*Be giving when others ask.*
When you ask for more things, there will inevitably come a time when others are asking you for a bit of extra help. When that time comes, give of yourself easily and freely, especially if the request is simple. Giving your friend some strong advice and support when they need it (as well as a listening ear and a shoulder to cry on) can help cement a relationship. When someone needs a bit of professional assistance, assist them. If you show that you're willing to help when asked, others will be much more willing to help you when you ask.
*DON'T ask just for the sake of asking - and accept "no" when it's clear.*
Many people enjoy the rush of getting "something for nothing" (in their mind) and take it too far, constantly asking for things above and beyond rational reason and expressing irritation when they do not get their way. Life doesn't owe you anything and neither does the person you're interacting with. You're merely hoping to shift the value of the relationship a bit - it's not your right, and believing that it is will cause many problems. If you ask for a small thing and are rejected, let it be - walk away without worrying about it. If it's a bigger thing, one that merits attention, and you believe you have a real reason for getting what you asked for (like a raise, for instance), don't hesitate to ask for a meeting about it, but don't let your request unfairly eat up the time of others. Standing in line at Subway and complaining loudly about how they won't put an extra pickle on your sandwich not only won't get you that extra pickle, but it will irritate the person behind the counter and everyone standing in line behind you. Moderation and respect for others is always key.
Image: http://feedads.googleadservices.com/~a/Bpbbe7O2C2xK4PuCoBXvFDAh7iY/i </img> (http://feedads.googleadservices.com/~a/Bpbbe7O2C2xK4PuCoBXvFDAh7iY/a)
Image: http://feedproxy.google.com/~f/thesimpledollar?d=41 </img> (http://feedproxy.google.com/~f/thesimpledollar?a=OCDnxgaj) Image: http://feedproxy.google.com/~f/thesimpledollar?i=IVcitCoZ </img> (http://feedproxy.google.com/~f/thesimpledollar?a=IVcitCoZ) Image: http://feedproxy.google.com/~f/thesimpledollar?i=fEcnFl5U </img> (http://feedproxy.google.com/~f/thesimpledollar?a=fEcnFl5U) Image: http://feedproxy.google.com/~f/thesimpledollar?i=k9kkn6co </img> (http://feedproxy.google.com/~f/thesimpledollar?a=k9kkn6co) Image: http://feedproxy.google.com/~f/thesimpledollar?i=8yWGmiFI </img> (http://feedproxy.google.com/~f/thesimpledollar?a=8yWGmiFI)
Image: http://feedproxy.google.com/~r/thesimpledollar/~4/gQpRQA1I378

More... (http://feeds.feedburner.com/thesimpledollar)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

Wednesday, September 10, 2008

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Hasler law firm.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3594

Here is the message that has just been posted:
***************
Thanks to World of Work Law Blog for Major Changes to ADA Coming (http://www.worldofworklawblog.com/2008/08/articles/news/major-changes-to-ada-coming/). My personal opinion is that the ADA was effectively neutered for plaintiffs (employees) ages ago by the United States Supreme Court. I followed it more closely when I was in-house counsel for this very same reason: employers who ignore the ADA are the ones who plaintiffs sue successfully. "Here's something to be watching: a bill currently winding its way through Congress is likely to bring significant changes to the Americans with Disabilities Act. The bill, knows as the ADA Amendments Act ('ADAAA'), will greatly broaden the scope of the ADA.

Some highlights of the ADAAA:

* Reverses several Supreme Court decisions that have seemingly narrowed the coverage of the ADA, restoring what the drafters perceive to be the original Congressional intent
* Broadens the definition of disability, including what it means to be "substantially limited in a major life activity
* Creates a list of per se 'major life activities'
* Clarifies that accommodations are not be required if an individual is merely 'regarded as" having a disability
* Prohibits the consideration of mitigating measures such as medication, prosthetics, and assistive technology, in determining whether an individual has a disability
Provides coverage to people who experience discrimination based on a perception of impairment regardless of whether the individual experiences disability"

***
To read an official summary of the ADAAA, click here (http://www.govtrack.us/congress/bill.xpd?bill=h110-3195&tab=summary). To read the full text of the current bill, click here (http://www.govtrack.us/congress/billtext.xpd?bill=h110-3195). Stay tuned to the World of Work (http://www.worldofworklawblog.com/)for updates on this landmark legislation.

More... (http://haslerlaw.blogspot.com/feeds/posts/default?alt=rss)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

Tuesday, September 9, 2008

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Hasler law firm.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3546

Here is the message that has just been posted:
***************
So reported The Indiana Lawyer on Monday:
The Indiana Supreme Court has declined to create a rule on paralegal registration for the state, putting a kink in an effort that's been under way for years.

This news is according to a Sept. 4 letter by Mishawaka attorney E. Spencer Walton Jr., chair of the Indiana State Bar Association's paralegal committee that has been studying the issue for years and drafted a Proposed Rule 2.2. In October 2006, the bar association tabled the measure for a year and in October 2007 sent a report to the court for consideration.

As it currently stands, Indiana does not have official qualifications in place for its estimated 4,000 paralegals - anyone who wishes to call himself or herself a paralegal can do so. Although the Indiana Rules of Professional Conduct govern an attorney's supervision of paralegals, there's nothing currently in place for governing these individuals directly.


For more read *Court not ready to create paralegal rule (http://74.219.68.10/ilemg/ILEmails/2008_09_08_ILDaily_Standard/Articles/2406.htm?1=1&EGEmailID=379&PublicationID=1&PublicationDesc=Indiana%20Lawyer%20Daily&EmailType=Standard).*

More... (http://haslerlaw.blogspot.com/feeds/posts/default?alt=rss)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Hasler law firm.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3545

Here is the message that has just been posted:
***************
The Massachusetts Biotech and Technology News and New England Local Business News has a very interesting article in Noncompete agreements that don't mean what they say (http://www.masshightech.com/stories/2008/09/01/focus4-Noncompete-agreements-that-dont-mean-what-they-say.html):

"With the rise in importance of intellectual property and the associated threat to such property as a result of an increasingly mobile workforce, noncompete agreements have become a standard part of employment agreements. Like a prenuptial agreement, noncompetes address what happens at the breakup of a relationship while the relationship is still good.

Typically, noncompete agreements purport to prohibit an employee from going to work for a competitor. While such agreements are generally enforceable like any other contract, they frequently are not enforced to the full extent provided, and, if you are defending against a noncompete agreement, certain steps can be taken to decrease the odds of their full enforcement.

The law in most states is clear: Noncompete agreements will be enforced, but only to the extent reasonably necessary to protect the former employer's legitimate business interests, typically identified as the company's trade secrets, confidential information, goodwill and, sometimes, special skills. On its face, a noncompete agreement that says that the departing employee may not go to a competitor may seem quite reasonable and, therefore, enforceable. That is not always so....


Nothing I cannot disagree with anything so far and I will say that you will similar comments from me in other posts here (just follow the "Non-compete agreements" link below). Still, good to remind people of these things.

The article proceeds to analyze two scenarios involving a sales person. These are worth reading.

These two paragraphs should be memorized by every employer using a non-compete agreement:To maximize the possibility of persuading a court that these dual, seemingly incompatible goals can in fact be harmonized, the employee and new employer should take active steps to disclose (i.e., do not mislead or even be coy with the former employer about the new job), describe (i.e., the employee and new employer should be clear about what the new role is and how it protects the former employer's legitimate business interests), and document their relationship before the employment begins. It bears mention that, because the enforceability of a noncompete agreement is so fact-intensive, not all three steps are advisable in all circumstances, but they should always at least be considered.

The most important guiding principle to remember is that noncompete agreements are as much about the equities as they are about the language of the restrictions. If a court believes that the former employee and new employer are genuinely trying — and able — to protect the former employer's legitimate business interests, the employee is far more likely to be able to work for a competitor than would otherwise be the case.
More... (http://haslerlaw.blogspot.com/feeds/posts/default?alt=rss)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---

[creditwrench newsletter] New Post/Thread Notification: ASK AN ATTORNEY

Hello,

Creditwrench has just posted in the ASK AN ATTORNEY forum of CreditWrench under the title of Hasler law firm.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?t=3523

Here is the message that has just been posted:
***************
The Indiana Lawyer reports they might be. From State puts brakes on red-light cameras (http://www.theindianalawyer.com/html/detail_page_Full.asp?content=02375):"Green means go, red means stop. Motorists know that well, and in a 21st century society embracing technology on every front, it might not seem out of the ordinary to wonder if someone's watching to make sure motorists are stopping when they should.

Not in Indiana, at least not at the moment.

The Indiana Attorney General's Office has put the brakes on municipalities passing ordinances for the use of traffic light cameras in catching red-light runners. The state agency issued an official legal opinion Aug. 8, saying that any local ordinances or rules allowing the traffic control measures are illegal until state lawmakers first pass a statute allowing locals to move forward with those plans."

***

>Most recently, the attorney general's opinion put the burden on legislators to decide how to proceed on red-light cameras. Sen. Earline Rogers, D-Gary, asked about the power of a municipality to implement those programs using stationary cameras to digitally photograph license plates of any vehicles entering an intersection on a red light. Hammond launched a pilot program in June for that, but at the time it was unclear whether state legislation was first needed before the ordinance could be adopted. Once the photos were taken, a private company operating the system would mail the tickets after a police review. Fines of $100 would be assessed and the tickets would be considered non-moving violations, similar to parking tickets.

Other communities including Gary, Hobart, Lafayette, and West Lafayette have expressed interest in the idea, which has grown more popular and controversial nationally. But the AG's Office says no.

"A red-light camera ordinance would be an invalid attempt to locally regulate conduct that is already regulated by a state agency," Attorney General Steve Carter wrote, noting that the General Assembly must first pass legislation. "Unless expressly granted authority by statute, a local governmental entity's passage of such an ordinance would be in contravention of the state's home rule law at Indiana Code Section 36-1-3-8(a)(7)."

More... (http://haslerlaw.blogspot.com/feeds/posts/default?alt=rss)
***************

--~--~---------~--~----~------------~-------~--~----~
You received this message because you are subscribed to the Google Groups "Creditwrench" group.
To post to this group, send email to creditwrench@googlegroups.com
To unsubscribe from this group, send email to creditwrench+unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/creditwrench?hl=en
-~----------~----~----~----~------~----~------~--~---