Leann Lane on "Publication: A New Book 'Pakistan's Strategic Culture and FP Making"

003oddy4kn2xjyu6 Astronomy Lesson Plans http://5.lisamkqih.com/2z Find A Credit Union http://5.wqjtwj.com/u Current Time In Rio http://0 ... Delaware Lemon Law http://7.nwfbklh.com/f Christian Debt Management http://2.hqoaisamy.com/24 [more...]

Date: 2008-12-31 14:39:44

Blog posts (248) | Videos (121)
 

Consumer Debt Collection Lawsuits: Are They Federal Or State Matters?

When you’ve been sued or harassed by a debt collection agency or a debt buyer, a company that purchases debt and generally uses illegal, ... federal or state court. *Federal vs. state* While the Fair Debt Collection Practice Act (FDCPA ... have adopted their own laws. We asked Steve Recordon, an attorney from San Diego, California whose firm [more...]

Date: 2008-06-26 13:40:47

Is it Possible to Overcome Brook's Law?

Is it Possible to Overcome Brook's Law? Posted by at January 14, 2009 According to brook’s law, ... currency trading Customer Service Cycling Data Recovery Dating Debt Consolidation Debt Relief [more...]

Date: 2009-01-14 14:02:56

Get Collection Agencies Off Your Back

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... : Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer [more...]

Date: 2008-12-12 23:06:57

How To Get Collection Agencies Off Your Back, For Good

This Article can be found at my blog: www.CreditTipsTricks.Blogspot ... Commissions. Here's a sample Cease & Desist Letter: Dear (Insert Collection Agency Here)\, You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection [more...]

Date: 2008-12-12 23:10:08

Minnesotans may sue if a debt collector levies funds in a joint account

Back in November, I won an important decision for Minnesota consumers against Messerli & Kramer, a law firm that seems to handle the bulk of debt collection lawsuits filed in Minnesota. Messerli & Kramer served a levy on my clients’ bank for funds in their’ joint bank account, even though [more...]

Date: 2009-01-07 16:00:01

Going Down the Path of Consumer Debt - Again

At creditslips.org, Bob Lawless raises the most reasonable question I’ve seen so far about Treasury Secretary Henry Paulson’s decision to shift the ... s the question from Lawless, an expert on credit and bankruptcy at the University of Illinois College of Law school: Why? After two decades in which consumers piled debt on their credit cards without [more...]

Date: 2008-11-14 13:52:32

Following the money

rdanThe NYT describes the beginning role of the committee and chairman Elizabeth Warren to follow the money, in addition to GAO report... ... she said. “You cannot repair this economy if you can’t repair those families, and I’m not sure ... and high debt have left America’s households extremely vulnerable.”Ms. Warren, on the law faculty [more...]

Date: 2008-12-04 11:31:00

Mr Mortgage Loan Mod Survey - I Would Appreciate Your Assistance

I need a favor from all of my mortgage broker and home owner friends out there ... done the right way.  I have swung completely over to this side of the fence as regulators, law makers ... is fully re-underwritten using present income and debt levels, prudent 28/36 debt-to-income ratios [more...]

Date: 2009-01-03 16:03:10

Bankruptcy - Is It the Answer?

Bankruptcy - Is It the Answer? October 11th, 2008 Subscribe To Our Feed If your finances are in a mess, you may have considered bankruptcy ... to pay back a portion of the debt that is owed to creditors. Your credit will be damaged ... laws. They were allowed to file more than once for Chapter 7 so many used it to beat credit card [more...]

Date: 2008-10-11 21:47:58

The Pros and Cons of Loan Modifications

As announced by this new press release , my law firm has begun offering loan modification services in addition to tax debt resolution. As the country’s economy continues to lag, and more and more jobs are being cut, thousands of families are turning to loan modifications to stay in their homes. Unfortunately, there is a lot of confusion in the industry, so to help my blog readers who might be considering a loan modification I have put together the following list of pros and cons. [more...]

Date: 2009-09-02 00:14:00

I Told Off The Debt Collector [Debt Collectors]

Some punkass debt collector called trying to get a hold of some lady he thinks my girlfriend knows. Here's roughly how the conversation went ... immediately. Muted. Under the Fair Debt Collection Practices act, debt collectors are allowed to contact ... break any rules, there's no law against having being condescending and arrogant. (Photo [more...]

Date: 2008-10-08 21:52:29

Propositions 7 and 10 Offer Californians No Real Alternatives: Sierra Club California Opposes Both

By Jim Metropulos Senior Advocate Sierra Club California Sierra Club California stands firmly behind the idea that ... and the Governor’s office that would reform California’s Renewable Portfolio Standard Law and increase ... and end up digging the state further into debt. It also fails to help California meet its ambitious [more...]

Date: 2008-09-18 11:41:13

Learn More About Bankruptcy

by John Steed Bankruptcy is the condition affirmed by the court of law that somebody or an organization has been unable to clear its debt ... who has been not able to pay the required monetary funds. Several cases have been recorded and mandated ... are some dossiers of prohibited act in fiscal courts to day. The most frequent dossier is Chapter [more...]

Date: 2009-01-15 06:59:06

Important Things To Know About Bankruptcy

by John Steed Bankruptcy is the condition affirmed by the court of law that somebody or an organization has been unable to clear its debt ... who has been not able to pay the required monetary funds. Several cases have been recorded and mandated ... . There are several filing of illegal act in financial courts to day. The most common filing is Chapter [more...]

Date: 2009-01-15 04:59:21

Follow Your Dreams Part II

No matter what I say, no matter what I do, and no matter how much I try to ignore it, I can never quite get beyond THIS ONE POST ... more. Law firm haters have held their own burning parties. Law firm lovers have been as baffled ... about the ills of collaterized debt obligations and sub-prime mortgages, and the collapse of venerable [more...]

Date: 2009-01-15 15:36:00

Foreclosures linked to 2005 Bankruptcy Reform law

For those readers not familiar with the Bankruptcy Abuse Prevention and Consumer Protection Act ("BAPCA"), prior to October of 2005, unsecured debt ( ... of their credit card debt, and that would free up income to pay the mortgage. The new law blocks that escape route and forces better-off household to continue paying credit card debt, which makes [more...]

Date: 2009-01-13 16:03:13

What are the Issues Around Torture?

We were shooting this topic around at work today.  I think there are two separate issues here ... : Torture is a violation of international and American law. It would seem that we (in the person ... toward the national debt. Bush, Cheney, Rice and buddies have to be careful when traveling abroad [more...]

Date: 2009-01-15 05:21:16

The Downside of a J.D.

National Law Journal:  Discovering a Law Degree's Downside:  Sending the Wrong Signal in Bad Times? ... some of the nearly $85,000 in student loan debt, Allam began to think she'd made a mistake by going the law ... in landing a job in another field may well be overblown. With student loan debt at an all-time high [more...]

Date: 2008-11-21 15:09:30

Mortgage Rights and Wrongs

Congress has said that they want judges to adjust mortgage debt. On the face of it, this makes sense. After all, when people declare bankruptcy they get their credit card, auto loan, and personal debts adjusted. What makes a mortgage any different? Well, one difference is the law. By law [more...]

Date: 2009-01-14 05:01:08

Clinton Writes-Off

Bloomberg:  Clinton Writes Off $13.2 Million Loan to Campaign, by Jonathan D. Salant: Hillary Clinton formally wrote off the $13 ... Biersack said. Nor can she deduct the money as a bad debt or as a job-hunting expense because political ... of Cincinnati law school and editor of TaxProf Blog. For prior TaxProf Blog coverage, see Romney Writes [more...]

Date: 2008-12-22 20:21:01

Obama Would Like All People Out of Credit-Card Debt – Legally Erase 50-60% of Your Past Due Debts

Are you plagued by your financial troubles? If so, how would you like to have your debt legally erased? You can! Little-known tactics along with consumer protection laws have enabled many Americans, just like you, to erase past due balances. The end result is a decrease in stress and an elimination of those past due balance letters from creditors.Last 5 posts by In the News - Sears Remodels US Army Veteran's Home - September 24th, 2009Don't Miss This Great VA Loan Benefit - No Penalty For Prepayment [more...]

Date: 2009-09-25 06:01:12

I ain’t your Bee-yotch….bitch!

+++warning!  foul mouthed rant ahead!++++ Despite the fact that there are 4 other folks in my office at any given time, ... the collection agency to stop calling for an employee, they are legally required to stop”.  (see the Fair Debt Collection Practices Act, governed by the FTC) Trust me, I’ve quoted this law to these blood [more...]

Date: 2008-09-05 15:08:48

Obama Want You Out of Credit Card Debt – Legally Erase 50-66% of Your Debts Now!

How would it feel to have your debt legally erased? There are little-known tactics and consumer protection laws that have enabled many Americans to erase their past due balances without having to worry about another demand letter from their creditors. [more...]

Date: 2009-09-20 06:02:31

RBS to be sued for misleading investors in the United States

January 14th, 2009 ... he was ousted by the government last year, misled investors in the first half of 2007. The US law firm ... were omitted from the Registration Statement: (i) defendants’ portfolio of debt securities [more...]

Date: 2009-01-15 19:02:05

Stocking Stuffer

Not a creature was stirring, not even a mouse… With the Federal Reserve cutting bank lending rates to near zero, ... and credit card debt are at anywhere from six to 20 ... tree?” My white in-laws are taller than our tree. If you’ve been capitalistic, materialistic, perhaps [more...]

Date: 2008-12-18 18:47:31

Important Things To Know About Bankruptcy

by John Steed Insolvency is the state affirmed by the court of law that someone or an institute has been powerless to clear its liability ... until the debt was roofed The genesis of this situation came from Latin posturing a broken ... officer for assistance. The defaulter is supposed to obtain some fee from the debts. A good number [more...]

Date: 2009-01-15 06:51:07

Blackwater CEO Lights Pants on Fire in WSJ Op-Ed

Blackwater CEO Erik Prince's op-ed in the Wall Street Journal is so full of spin, sugar-coating, and quarter-truths, ... writes in Licensed to Kill: Hired Guns in the War on Terror. "He ran up credit card debt and worked day ... into the security industry after having careers in the military of law enforcement, Shannon just read [more...]

Date: 2008-12-17 19:14:15

News Roundup

Here are some law-related articles that recently came out: The Chicago Tribune reports that Afni, Inc., a debt collection company, must pay damages to 7,000 Cingular Wireless customers in Wisconsin who were illegally assessed collection fees. Florida attorney Tomas Gamba writes in a Miami Herald op [more...]

Date: 2008-12-10 04:15:05

Chapter 13:

Chapter 13: December 22nd, 2008 A Chapter 13 bankruptcy is also called a wage earners plan ... in Michigan. “We are a debt relief agency. We help people file for bankruptcy relief under ... . During this time the law forbids creditors from starting or continuing collection efforts [more...]

Date: 2008-12-23 01:38:35

Chapter 13:

Chapter 13: December 23rd, 2008 A Chapter 13 bankruptcy is also called a wage earners plan ... in Michigan. “We are a debt relief agency. We help people file for bankruptcy relief under ... . During this time the law forbids creditors from starting or continuing collection efforts [more...]

Date: 2008-12-23 04:22:27

Good Article in the Washington Post

Sexually Based Offender Law Encourages HomelessnessWhen I started working 14 years ago, ... good candidates for housing because of debt or criminal background, but there was nothing ... . But in Columbus, Cincinnati, and Dayton there are no shelters for the sexually based offenders [more...]

Date: 2009-01-02 17:10:00

Chickens, rainwater and line drying - I'm ranting

I try to maintain a balanced view in my life and on my blog and I generally believe that what others do is their own business and not anything that I ... are just plain wrong. Is this only happening in the USA or do other countries have similar laws ... will; raising chickens in the backyard is a form of sustainable protection against hunger and debt [more...]

Date: 2008-08-06 05:44:00

Collector Threatens Jailtime Over Dead Debt [Debt Collectors]

Reader R. kinda messed up his credit years ago. He's a good boy now and his credit score is 700+, ... of limitations on the debt has well passed and threatening to send a debtor to jail is a violation of Federal law ... but now RSI Claims Process Services is hassling him about a 12-year-old credit card debt [more...]

Date: 2008-10-24 21:04:06

Crime In The Citi

If you don’t believe the credit crisis is nothing more than a giant churning ponzi scheme, ... and others emerged in a 500-page investigation by Citigroup investors represented by law firm Kirby McInerney ... and got out just in time do dump the black hole of debt on a compliant, distracted population. Witness [more...]

Date: 2008-12-05 00:55:14

Dow Jones money: a stable future economy

I began to write this text in October when Ben Bernanke and his friends followed the laws of string theory (a Reuters blog) ... reparametrization invariance of the string.To repay Bernanke's debt, I will look at the situation [more...]

Date: 2008-11-27 08:00:00

"A Creation Myth For The 21st Century"

Did anyone ever ask IVF children whether they wanted to go through life as genetic orphans? ... have been willing to pay for IVF, even if it means remortgaging the house or racking up credit card debt. And IVF ... . But Olivia compares herself to adopted children, and like them, she wants the law to recognize her right [more...]

Date: 2009-01-12 02:50:00

Finding a Bankruptcy Attorney in New Hampshire

People living with debt that they can’t handle have a few options to choose from. They can contact a debt or credit counsellor and try to work out a debt settlement plan ... and circumstances is crucial to help your case and help you understand the law and how it applies [more...]

Date: 2009-01-16 00:28:49

Bush Would Leave Legacy He Never Imagined

Bush-george-13 Wars. Recession. Bailouts. Debt. Gloom. The unvarnished review of George W ... . He got his tax cuts and education law in the first term, then swung hard and missed on Social Security [more...]

Date: 2009-01-11 12:43:03

Credit Counseling And Bankruptcy

When the bankruptcy laws changed in 2005 mandatory credit counseling became a prerequisite for bankruptcy ... that asked about our debt, our budget, and our income. Since we had given that information ... complete, the software helpfully concluded that we had too much medical debt…..(Yeah…you think?? That’ [more...]

Date: 2008-12-01 15:39:25

Good Credit Report Score

Good Credit Report Score December 20th, 2008 Subscribe To Our Feed Bankruptcy is an option but the laws have changed and it is not always the ... what you are getting yourself into. Credit card debt consolidation companies must be of concern ... there are some ways of credit card debt relief. There are no instantaneous solutions [more...]

Date: 2008-12-20 06:19:18

The first law that should be repealed in the United States is the 2005 Bankruptcy Bill: Will Obama eliminate debt slavery?

Our centralized government representatives would like us to believe that the subprime mortgage crisis was not expected, however, ... American citizen from this scam? In 2005, they created Debt Slavery by passing The Bankruptcy Bill. After years of lobbying, the “dream bill for credit card and financial service companies” finally came [more...]

Date: 2008-11-17 18:10:02

Update: SIX Flagging

Dan Snyder’s non-liquid theme park chain, Six Flags, has decided that if it’s going to go down, it’s going to go down tipsy ... from $2 billion to $3 billion-and-some-change in debt, tended to sign on for Chapter 11 protections ... the agency’s administrator rarely rules against an administrative law judge. After the ruling [more...]

Date: 2009-01-14 19:19:28

Viva Las Vegas!

Today, I’m flying out to Las Vegas for my sister-in-law to be’s bachelorette party. This is the first time I’ve been on a plane since we started our debt reduction plan last year. Sure I could stay home and skip the expense, but it means a lot to me to be a part of the events leading up to her marriage to my brother. I promise to be good. Have a good weekend. [more...]

Date: 2009-09-18 10:00:11

Money, Credit, and the Law – Know Your Rights

That’s the title of a valuable new video narrated by Professor Richard Alderman, director of the Center for Consumer Law at the University of Houston Law Center. The video, consisting of easily digestible short chapters, provides help managing personal finances, dealing with credit problems and debt collectors, responding when sued by a creditor, seeking credit counseling, or exploring the option of bankruptcy.  The video can be viewed online or a DVD can be requested directly from Professor [more...]

Date: 2009-09-17 20:50:58

Odd search keywords and phrases

One of the biggest sources of traffic to the Blogland is from search engine referrals ... and underhanded debt collection practices is still a top ten read), there are often well over 500 ... ", "insurance mailbox hit", "law hitting mailbox with car", and "offense for hitting a mailbox with car [more...]

Date: 2009-01-08 11:39:00

China As Downturn Neophyte. If I Stick My Head In The Sand....

CLB's own Steve Dickinson has just returned from the annual China Maritime Law Conference, made up mostly of China's leading maritime lawyers ... are mostly new companies, they are heavily in debt. These breaches threaten the life of the entire [more...]

Date: 2008-11-08 07:04:27

Anti-arbitration bills moving in the House

On Tuesday, the House Judiciary Subcommittee on Commercial and Administrative Law passed out three anti-mandatory arbitration bills, ... diligently on arbitration, yesterday released a new analysis of California debt collection arbitration [more...]

Date: 2008-07-16 14:15:31

U.S. Holds the Whip Hand in Modifying Mortgages

U.S. Holds the Whip Hand in Modifying Mortgages For much of the last year, ... Laws on Short Sales Disclaimer: I am not an accountant or an attorney. It is important to consult ... of the debt. Such forgiveness often takes place in cases of a financial deficiency, or when shifts [more...]

Date: 2008-09-17 14:28:50

Recent Bankruptcy? It’s Not Impossible to Obtain a Home Loan

Because the new bankruptcy laws go into effect on October 17, 2005, more Americans than ever are filing for relief using the federal bankruptcy laws ... discharge. Ironically, some those that would not previously qualify for a mortgage do qualify after ... payments. The DTI* (debt-to-income) ratio of this person is 81.25%. Since his credit score is low [more...]

Date: 2009-01-15 00:11:26

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