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I urge everybody to hit the primary link and read the editorial at the source. There are related helpful tips for paying down credit cards and other debt. Of course, our corrupt Congress made it impossible for students to walk away from education loans and nearly impossible to clear up medical bills and other debt by filing for bankruptcy.

They all should be thrown out of office by popular demand but they will not be because we no longer live in a free democratic republic. America has been turned into a fascist country where the political parties are an open joke and a sham and merely take orders from wealthy corporations and corrupt organizations like the CFR.

Not even "free political speech" is sacred anymore:

Obama Makes Free Political Speech a Felony !

1 posted on 04/26/2012 7:39:57 AM PDT by ex-Texan
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To: Quix; Alamo-Girl; M. Espinola; whitedog57; stephenjohnbanker; Amityschild; AngieGal; AnimalLover; ..

*Ping* !


2 posted on 04/26/2012 7:44:45 AM PDT by ex-Texan (Ecclesiastes 5:10 - 20)
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To: ex-Texan

Nothing new here.

Since the early nineties, Debtor’s Prison has been in full swing should, for example, a divorced father get laid off who owes matriarchy suppor. . .errr I mean tax-free alimon. . .errrr I mean “CHILD” support and the courts take six months to determine if he, by some miracle, be granted a downward modification.

Meanwhile the original amount of CS continues to acrue resulting in instant arrears. Said father can easily lose his professional licenses including driver’s license and be thrown into debtor’s prison. Good luck getting a “father’s rights” attorney.


3 posted on 04/26/2012 7:45:00 AM PDT by AbolishCSEU (Percentage of Income in CS is inversely proportionate to Mother's parenting of children)
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To: ex-Texan
This article is speaking out of both sides of its mouth.

  Misleading headline:  Jailed for $ 280. The Return of Debtors' Prisons

~snip~ How did breast cancer survivor Lisa Lindsay end up behind bars? She didn't pay a medical bill -- one the Herrin, Ill., teaching assistant was told she didn't owe. "She got a $280 medical bill in error and was told she didn't have to pay it," The Associated Press reports. "But the bill was turned over to a collection agency, and eventually state troopers showed up at her home and took her to jail in handcuffs."
 
Leads one to think Lindsay was jailed for not paying her bill. But that is not the case....
 
Under the law, debtors aren't arrested for nonpayment, but rather for failing to respond to court hearings, pay legal fines, or otherwise showing "contempt of court" in connection with a creditor lawsuit. * * *


4 posted on 04/26/2012 7:48:34 AM PDT by Responsibility2nd (NO LIBS. This Means Liberals and (L)libertarians! Same Thing. NO LIBS!!)
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To: ex-Texan

They aren’t going to jail for not paying debt.

They are going to jail for not showing up to court.

BIG DIFFERENCE


5 posted on 04/26/2012 7:48:56 AM PDT by TSgt (The only reason I have one in the chamber at all times, is because it is impossible to have two in.)
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To: ex-Texan

“impossible for students to walk away from education loans”

What’s wrong with making that impossible? The rest of us have to pay our debts. Why exempt students, aside from strengthening the (D)o-nothing voter base?


6 posted on 04/26/2012 7:52:49 AM PDT by sthguard (The DNC theme song: "All You Need is Guv")
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To: ex-Texan

Where was ABC News when a Democrat-run Pittsburgh suburb jailed a woman over $152 in unpaid local wage tax a couple of years ago?


7 posted on 04/26/2012 7:53:08 AM PDT by Buckeye McFrog
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To: ex-Texan

“...state troopers showed up at her home...”

So, they knew her correct address.

I bet the letters, certified mail, and notices postd on her door made it to the correct address too.

She didn’t go to jail for not paying $280. She went to jail for ignoring the notices, because ‘somebody’ told her she ‘didn’t have to pay it’.


15 posted on 04/26/2012 8:33:35 AM PDT by lacrew (Mr. Soetoro, we regret to inform you that your race card is over the credit limit.)
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To: ex-Texan

Terribly misleading headline. This is not new, nor are people being jailed for being in debt, persay. Stupid journalism.


16 posted on 04/26/2012 8:35:19 AM PDT by Tublecane
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To: ex-Texan

“our corrupt Congress made it impossible for students to walk away from education loans”

Are you kidding? Walking away from student debt is about as hard as avoiding jury duty. Everyone does it. What the feds did was make it easier for students to get into debt. For that millions of lazy bums owe them ire. Not that they notice it, as they still vote for Obama.


18 posted on 04/26/2012 8:37:44 AM PDT by Tublecane
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To: ex-Texan

“free democratic republic”
//////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////

No such thing exists anywhere, we once had a constitutional republic but a free democratic republic sounds to me like a contradiction in terms. Yes, I know how the term is used everywhere but when I think about it it still sounds like a contradiction.


29 posted on 04/26/2012 9:03:37 AM PDT by RipSawyer
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To: ex-Texan

“She got a $280 medical bill in error and was told she didn’t have to pay it,”

Somebody is liable for the cause of her false arrest.

Future bill paying should be easy.


31 posted on 04/26/2012 9:07:23 AM PDT by G Larry (Criminals thrive on the indulgence of society's understanding)
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To: ex-Texan

Exactly what is it that makes you believe you have a “right” to file bankruptcy, to avoid your responsibilities?

“Of course, our corrupt Congress made it impossible for students to walk away from education loans and nearly impossible to clear up medical bills and other debt by filing for bankruptcy.”


34 posted on 04/26/2012 9:10:06 AM PDT by G Larry (Criminals thrive on the indulgence of society's understanding)
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To: ex-Texan
our corrupt Congress made it impossible for students to walk away from education loans and nearly impossible to clear up medical bills and other debt by filing for bankruptcy.

So you think people should be allowed to accumulate debt and then just walk away from it leaving the creditor with a loss of the money?

41 posted on 04/26/2012 9:30:39 AM PDT by from occupied ga (Your government is your most dangerous enemy)
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To: ex-Texan
Of course, our corrupt Congress made it impossible for students to walk away from education loans and nearly impossible to clear up medical bills and other debt by filing for bankruptcy.

Why should students be able to "walk away" from their loans???

46 posted on 04/26/2012 9:43:56 AM PDT by Osage Orange (The MSM is the most dangerous entity in the United States of America.)
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To: ex-Texan
My story, for what it’s worth.

I always paid all my bills on time and had excellent credit. I had a modest mortgage and a home equity loan, a car payment (leased) and unfortunately some credit card debt, mostly because of my self employment at the time, debt I inherited and incurred during my divorce and some unexpected home repairs and car repair expenses and a few medical bills, but in total, not an outrageous amount but still enough, too much but very manageable while I was working – less than 15k in total, excluding the 30 year conventional mortgage after 20k down of 140k at 5 ¼%, for a house appraise for 180k, but I had an excellent job and a rather high income so at the time so it didn’t seem a problem.

But when I lost my job in 2009 and being that I was technically an “independent contractor” for my last employer, I was really screwed as I didn’t even qualify for unemployment benefits.

So I went from 70k per year to zero income in a heartbeat.

As the economy really sucked and my job prospects were very poor in my industry, I prioritized my bills – mortgage, utilities including my cell phone which was my only phone, basic groceries (and I’m talking a beans and rice and raman noodles subsistence), car lease payment and car insurance. I had enough in reserve in savings including cashing out my roll over 401k to float me on these for about 12 months. And of course there were the funds in savings that I put aside for the IRS to make my quarterly self employment taxes and the tax penalties on the early withdrawal from my 401k. Everyone else went to the bottom of the list – that being credit card debt and medical bills. It wasn’t that I didn’t want to pay -I just didn’t have the funds it to pay them.

I reached out to all my creditors to apprise them of my situation and to work whatever terms I could. Mostly what I got was “I’m so sorry but you still need to make the minimum payment” or “We will make a note on your account regarding your call”. Even after I contacted these companies, they still called me, some every single day or at least once a week. One debt collector who I called back to explain my situation was incredibly rude and nasty and said to me, “Well, you’re calling me from a cell phone so you can’t be all that bad off if you still have a phone – and if you can afford a cell phone and you obviously haven’t starved to death yet, then you should be able to pay me and if not, just where are you getting your money from? I want to know who is supporting you – I want to know who they are and how I can contact them. Somebody is obviously supporting you and your “life style” that allows you to eat and have a cell phone and since you obviously must have family and or friends with money who support you, you can just borrow more money from them since they have it. You just really need to borrow more from them so you can pay your debt to XYZ Company”. ;(,

I wish I was joking or making this up but this is what this scum bag actually said to me and why I think and at least in my experience, some if not many debt collectors are the most bottom feeders of the lowest bottom feeders.

At that point, in tears and incredibly angry and upset, I just hung up on him and I stopped answering any more phone calls from creditors all together. All the collection letters I got were opened, read and then dutifully put into a file. This was not the only creditor BTW who “suggested” that I hit up my family and friends for a loan in order to pay my bill – I didn’t think that was legal, nor calling before 8:00 AM or after 9:00 PM or on weekends or holidays, but in my experience some collection companies do that anyway.

After a year of being unemployed, I eventually got a part time minimum wage retail job, sold my house in a short sale (I was just barely under water (less than 2k) but only because of the very depressed market) and I moved in with my niece while I struggled to get myself and my finances back in order, eventually getting a full time job but at less than half the income I previously made.

For a time after getting back to work, I sent some money to my creditors but since it was much less than the minimum they expected, it only increased the level of harassment that not extended to calling me and my place of work but also calling and harassing my relatives and friends and former employers – again, some things that were probably illegal but some of they did it anyway.

Then one day I received via certified mail a court notice that I was being served in court seeking a judgment against me by one of my creditors. The very next thing I did was contact a lawyer; he answered the judgment on my behalf and then we (I) file bankruptcy. Next I received a certified letter from the IRS saying they were going to levy my wages because when I filed my taxes and remitted a payment, the payment didn‘t fully cover my liability. The next thing I did was make an appointment at the local IRS office.

Bankruptcy was the very last thing I ever wanted to do and I still feel rather sick about it today as it was my intention, after getting back on my feet, to pay off all my debt. And bankruptcy wasn’t something I could really afford to do at the time; it cost me about $ 1,200. I used the small amount of money I had put aside to buy a used car and a move into a modest apartment and out of my niece’s house in order to pay for the bankruptcy and court costs.

But the bottom line is that while you may ignore harassing phone calls and letters from creditors; and I certainly got to the point where it was completely futile explaining over and over again that I didn’t have the money to pay what they wanted me to pay and was tired of hearing the verbal abuse that some resorted to; you just don’t ignore official court orders or official notices from the IRS. The bankruptcy gave me a clean start; one I hope and never intend to have to go through again, and I worked out a payment plan with the IRS to avoid a payroll garnishment- and I diligently make payments every month – something I will do for several more years. Surprisingly the IRS was and has been so far, pretty good and fair to deal with once I negotiated with them.

If you can reasonably work something out with a creditor, you should; if you can’t and they are completely unreasonable, I can understand ignoring them, but when you get an official court summons, that’s something you just don’t ignore - ever – even if you think the debt is not yours or is an illegitimate claim.

Not paying a debt to a creditor, legitimate or not, will not land you in jail. Not answering a court summons to appear in court or answer the summons however will.

72 posted on 04/26/2012 4:07:31 PM PDT by MD Expat in PA
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To: ex-Texan

This is similar to saying that Clinton was impeached for sex.


81 posted on 04/27/2012 5:20:31 AM PDT by AppyPappy (If you really want to annoy someone, point out something obvious that they are trying hard to ignore)
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