Quote:
Originally Posted by arctichomesteader
It's called tariffs and taxing the heck out of those who outsource.
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And why do they outsource?
Quote:
Originally Posted by buzzards27
And yet it is real news...
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The Huffy-Puffy Post?
Illinois Debtors Thrown In Jail: Lisa Madigan Working To Stop Debt Collector Arrest Warrants
That's Yellow Journalism
: a sensational headline backed with nothing in terms of research or information.
This...
"...creditors in the state have figured out ways around law that prevent them from putting debtors in jail..."
...is an outrageous and very blatant lie.Creditors have not "figured out" anything, rather creditors are simply demanding that existing laws be enforced.
I don't see the author's name, but the author is a goddam liar and ought to be taken out and summarily executed. The author not only lied, but also lied by omission.
The process works like this:
1) A debtor is sued for an alleged debt;
2) The debtor is served with a copy of the Complaint, but fails to respond, or responds but fails to contest, or responds and contests but has no evidence to support their claims, and so loses
3) As a consequence, judgment is entered on behalf of the creditor or collector.
Normally the process ends there. However, due to the bad economy, creditors and collectors are following through with Step #4.
4) The creditor/collector motions for a Debtor's Hearing.
5) The judge issues a subpoena to the debtor ordering the debt to appear at a certain location and produce their driver's license, social security card, work/employment records, banking records, all other financial records, and all deeds and titles to property, vehicles, boats and other assets.
6) If the debtor fails or refuses to appear at the Debtor's Hearing, the judge issues an arrest warrant for contempt of court.
So have creditors figured out ways around the law? No, that is false, as creditors are simply applying the law.
Quote:
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Collection agencies can reportedly file a lawsuit requiring a court appearance, and if the defendant doesn't show up for their hearing, an arrest warrant can be issued.
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That statement is also a blatant lie.
I already outlined the process. The court appearance is mandatory only if:
1] the creditor/collector is awarded judgment; and
2] the creditor/collector request a Debtor's Hearing.
Huffy-Puffy Post lied again when they mislead readers by refusing to clarify the fact that it is a sitting judge who issues the requirement for the court appearance, not the creditor/collector.
Quote:
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"We can no longer allow debt collectors to pervert the courts," Madigan
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What's frightening about that statement is that Madigan is the Illinois Attorney General. Since English is not the first language of 90% of the postors here on C-D, I will translate Madigan's statement:
It's election year and I desperately need votes to get re-elected so I will pander to the public on a petty issue that is misrepresented by Huffy-Puffy Post so I can have a chance at winning.
Know and understand that those people are not being jailed because they owe a debt, rather they are being jailed because flipped off the judge by failing or refusing to appear.
This...
"...adding that some victims of this practice were thrown in jail without knowing that they were being sued...."
...happens to be true.
That is a common practice of junk debt buyers, like Asset Acceptance, NCO (who is also a debt collector in addition to being a junk debt buyer) and others.
How do you prove you were screwed?
Simple. Type up a single letter to all three of the major credit reporting agencies. Make 3 copies of that letter. Keep the original copy for your records and send one copy each via certified mail return receipt requested to each credit reporting agency demanding a copy of your credit report.
When you get your credit report, look under the line-item section that shows "inquiries." If your credit report was up-to-date with your current address, and the creditor/collector made an inquiry of your credit report before filing suit (they almost always do 99% of the time), then you just busted them.
If it happens to be a debt collector or junk debt buyer, then you just got several violations of the Fair Debt Collection Practices Act for which you can file suit, and of course, you will gladly drop your action in exchange for the debt collector/junk debt buyer eating the debt and permanently removing it from your records.
What a bargain.
If it happens to be a debt collection attorney, then do as I said, plus file notice with your State Bar Association to have a hearing to have the attorney disbarred. You can have your debt eliminated plus end up with lots of pocket cash on that one.
If it was a creditor, sorry about your luck, because creditors are not covered under the Fair Debt Collection Practices Act. If you live in Ohio, a creditor would be covered under the Ohio Consumer Sales Protection Act. Many other States have laws that also cover creditors in some capacity.
Just a word of caution for all you freaking Gen Y Retards. I know how you are. You send an e-mail and then 30 seconds later send another e-mail wanting to know why I didn't answer the first e-mail. Well, it ain't my job to sit in the grad student offices all day waiting to receive e-mails and respond to them within 3.1 seconds.
My way takes 30 days to get a copy of your credit report, but all you have to do is make a notarized copy of the report and the enveloped you received it in and hand it to the judge to win.
The Gen Y Retards will try to take short-cuts and down-load a copy of their credit report from the internet. That's fine and dandy, because I am absolutely certain that you all are so well-versed in filing motions related to Electronic Discovery & Evidence, and I'm equally certain that you are thoroughly knowledgeable about your State's rules of evidence and rules of civil produce and you know exactly what to do to get around the hearsay rule, hearsay exception rule, authentication and verification rules, writings, recordings and their admissibility as duplicates, and of course other problems that might crop up related to Electronic Discovery & Evidence, right?
Riiiight.
So you can do it the easy way, which takes about 30 days, or you can do it the hard way and get a copy in just a few minutes, and then spend the next 8 months and lots of money trying to figure out how to get it entered as evidence. Your choice; choose wisely.
Dissing Huffy-Puffy Post....
Mircea
Quote:
Originally Posted by GregW
The goal of the conservative politics since 1935 has been to destroy all of the New Deal and replace it with the New Feudalism.
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No, that would be the goal of the Young People's Socialist League, who merged with the Social Democrat Party of America who later became the Social Democrats who then became...
...the neo-cons.
You might want to read
Two Cheers for Capitalism by William Kristol and the
Cultural Contradictions of Capitalism by Daniel Bell. Both books were published around 1976 right after the Social Democrats came out of the closet as neo-cons.
And yes, there is a distinction between true Capitalists and what I call Feudal Capitalists (which is what neo-cons are -- but then they were socialists to begin with).
Historically...
Mircea
Quote:
Originally Posted by stillkit
It's part of a pattern. Have you not noticed?
1. Busted the public unions in Wisconsin. Tried in Ohio.
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And would have succeeded had the ballot language been written properly.
Quote:
Originally Posted by stillkit
2. Busted the closed shop in Indiana. Next up is Minnesota.
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Hooray! It's about freaking time. If only we had open-shops here in Ohio I would have earned more than union workers.
Quote:
Originally Posted by stillkit
3. Proposes to lower the minimum wage for some workers in Florida.
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Specifically to wit: tipped employees.
Waiting tables was one way I paid for my education. I could work 11 AM to 2 PM and walk out with $60.
What is that? $20 an hour?
Quote:
Originally Posted by stillkit
4. Proposes to lower the income tax rate in Oklahoma and "pay for it" by eliminating certain deductions, effectively shifting more of the tax burden onto the lower and middle classes.
5. Fighting to keep the Bush tax cuts for the wealthy.
6. Proposing to eliminate the minimum tax on the federal taxes, which frees up money for the wealthy.
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Like it or not, you're going to have to pay more taxes.
If you don't want to pay more taxes, then I suggest you stand Occupy the offices of your elected representatvies until they cut about $1.5 TRILLION from the budget. And I don't mean over 10 years, I mean cap your budget at about $1.8 TRILLION.
Quote:
Originally Posted by stillkit
7. Proposing to eliminate the Earned Income Credit on the federal taxes, which the CBO has estimated will cost middle and lower income people an average of $3000 more in taxes each year.
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Good riddance.
Someone with an adjusted gross income of $17,000 (that means they've already taken exemptions and deductions) and one child pays $0 in federal taxes
and they get a free cash tax-payer gift of $2,865.
Google EIC and go to the IRS web-site and do it yourself if you want.
Assuming the entire $17,000 is 100% disposable ((which means I am giving
you the benefit of the doubt) and assuming every single thing they purchase is taxable (again, I'm giving
you the benefit of the doubt) at a rate of 5.5% Sales Tax they would have paid $935 in Sales Taxes.
The free taxpayer gift of $2,864 would negate their Sales Taxes.
The story so far....
Our free-loading Welfare Queen has paid $0 in federal taxes, plus received
a free cash tax-payer gift of $2,865, against $935 in Sales Tax.
That leaves our Welfare Queen with $1,930 of free tax-payer gift money to spend as she pleases.
The city earnings tax workers pay here is 2.1% of income (and not refundable) so that would be $675 on $32,150 ($32,150 - $15,150 for standard deduction for head of household and two exemptions = $17,000)
The story so far...
Our Welfare Queen paid $0 in federal income taxes, and got
a free cash tax-payer gift of $2,865.
$2,865 Free Tax-Payer Cash Gift to the Welfare Queen
- $935 in sales taxes (assuming the entire $17,000 was taxable)
- $675 in city/county earnings payroll tax
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$1,255
Our Welfare Queen still has $1,255 in free tax-payer cash left.
If she buys 30 gallons of gasoline per week, she'll spend about $632 in State and federal gasoline excise taxes.
That still leaves our Welfare Queen $600+ from her original generous free tax-payer gift.
So, as you can see, those who receive the EITC pay no taxes.
Quote:
Originally Posted by stillkit
8. Has successfully reduced the number of weeks the unemployed can receive payments by 3 weeks, but more is in the offing.
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Reduced 3 weeks? What, from 99 weeks to 96 weeks? Oh the horror...the horror...
Quote:
Originally Posted by stillkit
I could go on, but you get the picture. What's most disturbing about all this is that it involves not only Congress, but numerous state legislatures and Governor's as well. That means either all those governmental entities suddenly came up with the same ideas independently, or that it's a deliberate campaign to hurt the poor and middle class directed from someplace outside those bodies.
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News Flash: You are bankrupt.
Apparently there's some part of
"You don't have any freaking money to pay for your welfare programs and government pensions" that many of you don't understand.
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