Sarah Palin was vindictive, hired friends/donors in Alaska
Palin appointed friends and donors to key posts in Alaska, records show 100-supplementary jobs went to campaign donors or their relatives, sometimes ...
10 Things Debt Collectors Won't Say
3. "You may not in actuality owe the debt."Some unscrupulous vendors lard up purchases with extra fees or add items consumers didn't buy. Some indebtedness collectors buy up old debts for pennies on the dollar, planning to collect enough to make a profit, says Anamaria Segura, a baton attorney with the consumer rights project at MFY Legal Services. Often, however, those lists have ill-defined information that may be full of errors or include debts that already have been paid or dismissed. In addition, there are statutes of limitations on straitened, which can range from between three and 10 years.
Neil Dansker, who is blind, bought a software program over the phone that would interpret his computer screen to him, agreeing to interest-free financing. He says the seller then added fees and charges to his bill, including unexpected pay for charges of nearly $50 a month, "credit insurance" in case he couldn't pay in the approaching, and, eventually, late fees of about $40 a month on the extra items. He disputed the charges and paid only for the software he bought, marking his last discontinuity "PAID IN FULL."
"When it comes to paying my bills, I pay on time," Dansker says. "I'd hop a meal or two if I ever had to." Nevertheless, a few months later, he started getting repeated calls from a liability collector, who also ignored his written request to contact him only in writing. Dansker carefully documented every quit and, with the help of MFY Legal Services, ultimately won in court when the collector sued him for $2,007.
4."We can frolic you into paying on old debts."Debts aren't ever totally erased and collections agencies can still venture to collect an old debt, even if it's beyond the statute of limitations -- as long as they don't threaten right action, says Schiffman of the trade association.
If consumers make even a slight payment on an old debt, they can re-start the clock and end up back on the hook for the full amount. Those who are unsure about a debt have the straightaway to ask for verification, which should include at least the name of the original creditor, the original account number and the amount of the responsible. The debt collector should send details within 30 days and shouldn't perpetuate trying to collect the debt in the meantime, says Martindale of Consumers Ring.
With that information in hand, consumers can check their state bar association's or state attorney general's website to see if the figurine of limitations has passed, or consult an attorney. If the time limit has passed, they should have a in the money defense if they're sued.
One exception: There's no statute of limitations for student loans.
"The reality is that debt doesn't automatically go away" when the statute of limitations is nearby, Schiffman says. "Obviously there's a point where legal action shouldn't be captivated and we respect that," he says. But the statute of limitations shouldn't be seen as turning authorized debt into free money, he says. If people are allowed to simply traipse away from debts, "what would we do to the availability of credit and the cost of credit?"
5. "We can't touch some of your in clover -- unless you let us."Consumers can't be forced to repay most kinds of debts with federal benefits like Societal Security, veterans' benefits, Social Security disability benefits, and in some states, unemployment benefits. Proper retirement accounts are also protected in many states, Hobbs says. Even with a debt that's owed to the federal domination, like unpaid taxes, some types of benefits can be garnished, but the consumer has a precisely to a hearing first, Segura says.
Still, some collectors say or imply that they'll immediately start garnishing a consumer's wages or fascinating money out of a consumer's account, when that's possible only after a successful lawsuit and court fraternity, says Jan Jones, of the Alaska credit-counseling service. She says one client recently authorized a art-lover to withdraw money directly from her bank account because she was told that if she didn't, the gatherer would sweep the account and withdraw all of her money. "When you don't know that that's not possible, you're going to do whatever you have to do to control that from happening," Jones says.
ACA International's corporate counsel, David Cherner, says that the application has supported legislation that would require financial institutions to distinguish between federal benefits deposited electronically and funds from other sources, making it easier for collectors to identify garnishable money from money they can't touch without permission. Currently, in many states, the consumer is accountable for telling a collector what funds are out of bonds, Cherner says.
6. "We have less power than you might mull over."Despite scare tactics, like threats to have consumers arrested or implying that they may sue the consumer, accountable collectors have limited power. In reality, consumers can't be arrested for simply having payable debts, and collectors are specifically forbidden by the federal law to say they will take such action. "We don't really have debtor's prisons anymore," Martindale says.
The law also prohibits collectors from misrepresenting themselves or portentous legal action they don't intend to take or can't take. There are other limits on collectors' actions: They're not supposed to celebration any details about your debt to your friends, family or neighbors, for example. They can call your employer to certify where you work, but if they're told that you're not allowed to receive calls at work, they must stop line you there. And they're not allowed to call before 8 a.m. or after 9 p.m. unless you specifically agree to allow it. ACA International's foundation arm runs a website that explains consumers' rights and offers suggestion to people dealing with collections agencies, at AskDoctorDebt.com .
7. "Your presence in court gives you a richer reconsider chance of winning."Collection firms may not have complete documents, but still win default judgments because the consumers don't show up. Sometimes, the consumer was never well informed a lawsuit was proceeding. A 2010 study conducted by MFY Legal Services and other consumer advocacy groups of a illustrative group of lawsuits filed in New York City found that debt buyers won more than nine out of ten lawsuits, mainly through default judgments.
Consumers who have been notified that a collections agency is suing them should get admissible advice, say debt experts. Every state has programs that offer free legal help to those who can't produce it. Consumers can start with the local Legal Aid program or ask a nonprofit credit counseling employ for local resources. They can also send a letter to the court explaining the circumstances, and show up to safeguard themselves. "Especially if you know that something was amiss with the way they're charging you, you can definitely go to court and explain what happened," MFY's Segura says.
10. "You can pay excessive price for letting us succeed."An alleged late payment or defaulted debt on a impute report may seem insignificant -- if that person doesn't plan to borrow anytime pronto. But credit reports are consulted much more often these days than they used to be. Insurers look at reports in determining rates and employers now commonly stay the credit history of potential employees.
One elderly MFY client with congestive mettle failure and lung cancer wanted to move to subsidized housing without stairs from a sixth-floor apartment with no elevator. But his faithfulness record showed he had been sued; he discovered a default judgment against him only when his housing claim was denied, Segura says. MFY helped him get the judgment vacated, but before the incident could be removed from his depend on report, he passed away.
To be sure they aren't surprised in the same way, experts guide that consumers take a look at their free annual credit report from each of the three major honour bureaus. If they spot a mistake, they should and write to the bureau explaining the problem, enclosing copies of documents supporting their box. The bureau has 30 days to respond with its findings and let you know if the report was changed. If it's not changed and you still on it's wrong, you can add a brief statement to your file explaining your view of the dispute.
alaska state student loans - Bookshelf
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466 pages |
Chronicle Financial Aid Guide, Scholarships and Loans for High School Students, College Undergraduates, Graduates, and Adult Learners |
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128 pages |
The Associated Press Stylebook for Alaska Alaska State Student Lend Program Administered by the Alaska Commission on Postsecondary Knowledge. Alaska State Troopers Second reference: troopers. ... |
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State postsecondary education structures handbook State Student Support and Loan Agencies The Alaska Student Loan Program, the Alaska Educator Scholarship Loan Program, the Family Information Loan Program, ... |
Here!
Well well. Having some aspirations that my adventures in Alaska might turn out to be Momentous! I had resolved to keep good records of dry-cabin dwelling and my evolving impressions of this frozen land. But it has been a busy time, this past month or so, and after the initial period of withdrawal from intravenous interweb access, I found that I didn't miss it as much as I had expected. (Which is not to say that I've stopped composing blog entries in my head.) I rather abruptly found myself employed full time at the ACRC, which is no bad thing since the 300 gallons of oil that heat this cabin cost a small pile of dragon gold, and each month one must cough up sums for all of those boring essentials like rent and food and student loans. Fortunately, I quite enjoy my little job as a baker. I don't have to scrub floors or keep the inventory like I did at the chocolate factory; I've been trained to cook flatbreads, pita, and empanadas in the wood oven, which is hard work but novel and interesting; plus, the kitchen manager discovered my predilection for fancy pastries and informed me very clearly that as long as it will sell, I can make whatever I want for the dessert case. It's great! Suddenly the ACRC is selling zucchini muffins and coconut macaroons and mini pumpkin cheesecakes to a delighted clientele. I get to play with food and get paid for it. Unfortunately the owner of the business is a miserable human being who has a gift for stressing and depressing his hardworking staff. He is not often in town; he races Formula One cars and has business investments in all sorts of odd corners--southern California, Dubai, Málaga--and spends weeks at a time overseas. But when he is here every single baker and barista walks on eggshells. He seems to suffer from a kind of attenuated tunnel vision, and rather than filling his day by doing anything useful--I don't know, washing dishes or going over the accounts, or maybe even steaming lattes for customers--he drifts around the store with a doppio in hand, alternately chewing the fat with customers and zeroing in on what he perceives are monstrous shortcomings in the kitchen. Why is the pita sponge so big? (It's RISING.) Why is there a pan of water in the oven? (It's a STEAM OVEN.) Why are the scones salty? Hoo boy. I caught the edge of his bad temper by making herb and cheese scones one morning--nevermind that they all sold, evidently he doesn't like savory scones, so nobody else is going to like them either--and that day I went home thinking that a job sorting mail for FedEx didn't sound so bad. We'll see. Most of the time he likes me just fine. I'm a perfectionist and a hard worker; what a shame I waste my energy being creative. But I do not have the kind of even-keeled temperament that is so necessary for dealing with people like him; rather than battening the hatches and waiting it out, I'm more likely to drop whatever I'm working on and storm out the door. But I really do enjoy puttering around the kitchen when he isn't there, and the freedom I'm given, so I'm making an effort not to be such a volatile human being. Work is no excuse for apparently falling off the face of the internet, though, so imagine, if you will, living in a dry cabin when the weather suddenly veers into the negative side of the thermometer. Somewhere during the third week of October winter showed up, surprise!, and very rapidly I discovered that my lovely little cabin wasn't quite winterproof. As I think I mentioned before, I am the first person to have lived in it. At first I tried to be clever, and used a candle to track the draughts back to their points of origin. But have you ever attempted to follow a breeze? It's harder than it looks. (Ha ha.) The cold in the Interior is (so far) not aggressive--there hasn't been a breath of wind in the three months I've lived here, the weather doesn't eat into your bones as it did in Iceland and sometimes in Boston--but it is pervasive . The -30 degree temperatures march steadily, implacably through walls that seem increasingly like a mere film standing thinly between yourself and the cold. I borrowed some plastic sheeting for the windows from Dad, and put a snake at the bottom of the door. And pretty literally every spare hour of the last three weeks I have spent armed with a table knife, standing on a chair or cross-legged on the floor, sticking yellow wads of fiberglass batting into all of the cracks in my walls. All of them. And come to find out, when the temperature opposition surpasses 80 degrees--so when the mercury dips below -15 F--the cracks multiply . Noisily. Scout has picked up an interesting habit of staring at apparently blank spots on the walls until I think she is seeing ghosts; sudden hairline cracks appear like magic, with a mighty CRACK. I'm making headway, and I expect that by the end of November this cabin will be about as snug as I can get it without calling Christo to wrap the whole thing in canvas, but the task has taken some time. And you might wish to alert the media, because I have finally learned to drive. Not well , I daresay, but then I have never been above a passable cyclist either, and I think I can claim at least that I drive safely . (E.g. like an eighty-year-old woman out to do her weekly shopping.) The state of Alaska, in its infinite permissiveness, has issued me a license to that effect. I have a car, even; a dark green Kia Spectra with a reconstructed title that Mom and Dad bought and said I could use for as long as I am in Fairbanks. Her name is Fagin. (The license plate includes the letters FGN, and Fagin popped into my head--and stuck--before I could do anything about it.) I don't enjoy driving very much, but I've discovered that I hugely enjoy playing very loud classical music while I am pootling along the highway in the snow. Fagin's speakers are much better than the ones on my computer, and the library's collection of classical music is pretty good. But for the most part my car seems to have been compartmentalized in my mind as a large movable storage unit. I'm also still getting used to the dynamics of cold-weather car ownership, things like keeping the gas tank topped off to prevent condensation and remembering to plug in when I get home at night. In the Arctic, cars tend to freeze over. Irretrievably. A "winterized" car has an industrial grade of antifreeze in running through every vein, and heating pads in strategic places under the hood to keep the engine fluids…fluid. Extension cords protrude from the grilles of nearly all vehicles in Fairbanks, and electrical outlets are available outside most houses and businesses for the purpose of plugging in the cars. Otherwise when people go to the theater they simply idle their cars for the two and a half hour duration of a movie. Idling Fagin drives me absolutely crazy--I paid for that gasoline! With money!--even though my coworkers assure me that it is necessary to warm up the engine for fully twenty minutes before driving away. (I don't.) Some folks even buy remote controls to "autostart" their cars, eliminating the need to go outside to perform this crucial function. On the whole I am trying to be flexible about the necessity of driving because it is simply another facet of this Alaskan lifestyle--new customs and concomitant ways of thinking, like having late-afternoon dinners in Spain--but it isn't something I'd want to do forever, and the impossibility of walking from one place to another is, to me, a very sound reason to live somewhere other than Fairbanks.
sounds like wisconsin in a lot of ways--but colder for longer! but the car stuff---yes. i never found it necessary to idle the car for more than 5 minutes before taking off, so i'm sure you're fine. for awhile, i had a car that had a faulty starter, and i could take the key out of the ignition without turning the car off. i could leave the car going, get out WITH the key, lock the doors, run into the gas station for the paper, and run back out again, all without a break in the running of the engine. when it's -20, that's a good thing. :)
Friday's Mat-Su Democratic Party Egan Dinner Will Feature Ethan Berkowitz
Here, in this resource-rich land, something isn't right. Alaska produces a considerable quantity of America's oil, and yet we pay the highest energy prices in the country. We have great abundance of untapped gas and renewables but look at your utility bill. Check out the price of gas at the pump. Remember how much it costs to heat your home. And the financial burden on Alaskans doesn't stop there. Because of high energy costs, consumer goods get more expensive. Food prices go up. As those high prices squeeze us tighter, it's harder and harder to pay mortgages or student loans, or to make car payments. It doesn't have to be this way. With vision, and political will and strategic thinking, we can ease the financial burden on Alaska's families. As a state legislator, I led the call for a statewide energy plan and advocated for developing local energy resources. I fought hard to develop Alaska's gas on Alaska's terms, and to make sure we got full value for our oil resources. In the private sector, I worked to develop renewable energy resources across the state. As you know, the Palin and Parnell Administrations have stonewalled the release of the emails and threatened to levy huge fees if they ever are released - up to $500,000. Five different attorney generals or acting attorney generals have now settled into a routine of granting meritless extensions on a regular basis. It has been over a year!
Oh dear, with Obama tanking in the ratings, his China tour an abject failure, unemployment going through the roof, the Stimulus spending a sham, the Iranians on the verge of going nuclear, Obama still dithering on Afghanistan, the public incensed that foreign terrorists captured on the battlefield will get the same rights as US citizens, with Cap-and-Trade in tatters, with more and more Americans becoming opposed to the Dems' Healthcare fiasco...with all this going on the Alaskan DEms know what is important...SARAH PALIN !!!!
alaska state student loans - News
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Federal student loan battles follow state battles By Pat Forgey The US Senate has stalled on adopting legislation on student allowance interest rates, mirroring a similar partisan divide in the Alaska Legislature. Alaska Rep. Les Gara, D-Anchorage, said both governments necessity to do more to make education |
Education needs bipartisan effort
On July 2, 1862, the Morrill Act created the bag-grant system for state educational institutions to foster engineering and agricultural discipline. From coast to coast — from the University of Florida to the University of Alaska — every state has
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GOP blocks Senate debate on Dem student loan bill The elections that drove Nicholas Sarkozy out of power in France and left-wing Greece scrambling to build a coalition government pose a economic threat to the United States that could undermine President Barack Obama's Alaska State Troopers say 41 |
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Two local students are named '12 Gates Millennium Scholars A glamorous national scholarship has made it possible for two Tucson students to attend college without having to problem about the costs. Bill De La Rosa of Pueblo Magnet High School and Elena Luevano of Tucson On a trip Magnet School are two of 1000 |
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On What Mike Coffman can learn from former Alaska Gov. Sarah Palin The Denver Pin's political and editorial writers give a daily dish of Colorado federal news, analysis and commentary on local, state and national issues. What Mike Coffman can learn from former Alaska Gov. Sarah Palin By Curtis Hubbard So Rep. |
