Tag Archives: ExpiredDebt

Weeks, Languages, Loans, Aladdin, and Elisha?

As we come up to the holiday of שָׁבוּעוֹת Shavuot, for the seven weeks, or 50 days counted down between Passover and Shavuot, we naturally think of the pleasures of staying up all night long to study languages, er, em, that is, to study Torah, in our Biblical languages of Hebrew and sometimes also Aramaic, with the occasional reference to another Semitic language like old Arabic, or Ugaritic, etc, for difficult words.

Great, so where do the loans come in, and what could the thief Aladdin and the prophet Elisha possibly have in common, apart from having spoken sister languages, you say.

Thank you! I am so glad you asked. It turns out that Aladdin and Elisha had quite a bit in common, being literary figures, young men of action, and you could even say financiers: they both gave Free Financial Assistance in their communities!

We know who and how Aladdin helped in stealing to survive, and in solidarity with other poor souls living in the streets. We also know how the prophet Elisha helped the widow by multiplying her oil and telling her to sell it, saving her and her sons from enslavement by their creditors. But how much better could it have been for both Aladdin, Elisha, and their communities , if crushing long-term debt didn’t exist in the first place? Isn’t that why we were commanded to release debts (and slaves) every seven years, and return property to original owners every 50 years?

This is where the Pro-bono legal aid, free debt and financial consumer education piece of our #PublicDomainInfrastructure is crucial. Knowing your rights and obligations is the first step toward taking responsibility for your own house, and then toward contributing to your community. Our financial and economic infrastructure must help create ways to rectify the structural biases inherent in our system, and encourage both individuals and communities to do the same. One tool for accomplishing this is debt-forgiveness, in circumstances of structural or personal inequity. Another tool is locally created currencies, such as Ithaca Hours or Time Banks. These are most effective when encouraged by local government as a supplement, or a means of complementing the existing federal currency. While local or community issued currencies are useful, they can be more useful in a society that has more fully included all of the population in the economic life of the community. For this reason, local currencies are more fully discussed in conjunction with Phase III of the #fourfreedomsmovement. These tools provide some short and long term solutions to problems that inhibit our democracy from building to full potential. Such solutions can further our ability to encourage every human being to live, contribute, and create to the fullest potential possible.

Let’s #EndPoverty , #EndHomelessness, & #EndMoneyBail starting by improving these four parts of our good #PublicDomainInfrastructure:

1. #libraries,

2. #ProBono legal aid and Education,

3. #UniversalHealthCare, and

4. good #publictransport

Read, Write, Ranked Choice Voting and Housing for ALL!!!!, Walk !

#PublicDomainInfrastructure #StopSmoking for CCOVID-19 ShiraDest

May, 12020 HE

Ir en Metro, o en Deuda? Take the Metro, or Take the Debt?

Click here for English…

“ -Fuera lo espera un chófer con un coche oficial.

-Gracias.
Prefiero ir en metro. ”

Como el subsecretario Salvador Martí del Ministerio del Tiempo, ojala que habîan màs funcionarios que nos darîan el buen ejemplo de usar los transportes publicos. A menudo, la falta de transporte publico llega hasta faltar las citas medicas y legales, con consequencia de perder los procesos judiciales que no han de perder, si la persona endeudada hubiera podido llegar a la corte para defender sus derechos.

A corto plazo, otros estados de los EEUU podrîan seguir el ejemplo del estado de Maryland, que ha prohibido las acciónes civiles por parte de colectores de deudas ya pasado la fecha limite segûn el tipo de deuda. Mientras tanto, a largo plazo, reconstruimos nuestra estructura economica para crear la igualdad en vez de crear la pobreza. Los dos puntos de vista, corto y largo plazo, nos urge.

“ -An official car and choffeur are waiting for you outside
-Thank you.
I prefer to take the Metro.”

Would that more of our public officials, like subsecretary Salvador Marti of The Ministry of Time, set the example of using public transportation. Lack of transportation often leads to default judgement on an expired debt which could have been avoided, had the debtor been able to defend in court.

Over the short-term, states could follow the example of Maryland, and prohibit lawsuits on all expired debts, while also rebuilding our economic structures to create equity rather than poverty, over the long-term. Both short-term and long-term approaches are needed, urgently.

Let’s start to #EndPoverty by improving these four parts of our Public Domain Social Infrastructure, the #PublicDomainInfrastructure 4: (1. #libraries, 2. #ProBono legal aid and Education, 3. #UniversalHealthCare , and 4. good #publictransport )
Read, Write, Dream, Walk !

Shira

May 7th, 12018 HE

Connâitre ses Droits et éviter les Proces… Free Legal Education and Pre-Trial Diversion…

Click here for English…

“ -C’est quoi ça?
-Votre côte sur le marché de l’art: 11.000 euros”

Mais si Driss n’avait-t-il pas d’argent ? Et s’ils lui avaient arrêtaient dans la misère ? Aux États-Unis il y à une moyen d’éviter les procès mais qui coute cher, selon l’état dans on aura le procès. C’est mon espoir qu’on peut avoir des changements de cette politique, avec l’aide des citoyens Américains, et aussi ce de nos amis.

“ -What’s this?
-That’s what you’re worth on the art market: 11,000 Euros.”

But what about before Driss had that money? What if he’d been arrested utterly poor?

In many states, programs exist to help first time offenders avoid trial and charges. But, Pre-trial Diversion or Intervention programs, as they are known, are often unfair to the poor, as in MD and many other states: perpetrating the cruelty of charging money that some people simply do not have in order to avoid jail. My emphatic immediate-term policy recommendation is that all States emulate “Cook County … in Chicago, where defendants are not charged a fee ” for Pre-Trial service programs. And my long-term policy recommendation is that we strengthen our freely available legal services and Pro-Bono Legal Aide availability drastically, perhaps requiring ALL lawyers and law firms to offer 20% of their time or services free to lower income people, and that states and counties offer free continuing education in financial and consumer education, including the all too rarely taught rights in each state regarding debt, housing, health care and also criminal law. Both short-term and long-term approaches are needed, immediately.

Toward “…justice for all.”

Read, Write, Dream, Walk !


#PublicDomainInfrastructure
ShiraDest

11 April, 12018 HE

Bibliotecas y la vida tras la Deuda… Libraries and Life after Debt…

Click here for English…

“ -¿Adónde vas?
-A la biblioteca.
-Hija, la vida es más que leer libros.
-Ya lo sé, madre.
-Lo aprendí leyendo”

¿Cuantos hemos sufrido la pena de ser facturado injustamente por una deuda?
Muchos.
¿Cuantos tenemos la suerte de conocer nuestros derechos y que hay que defenderlos?
No tantos.
¿Cuantos sabemos donde encontrar los detalles de estos derechos y como defenderlos?
No suficientamente.
¿Y cuantos tenemos acceso a un abogado, o biblioteca de derecho, y transporte, sin decir la buena salud para irse?
No la mayoria de nosotros.
Por eso nos urge las buenas bibliotecas publicas y transporte publico, para ayudar a todos en defender sus derechos. En un epoca de escasos recursos para las escuelas y bibliotecas publicas, los que necesitan màs tienen menos.
Hay soluciones para ello: Primero, dar màs dinero a los transportes y bibliotecas publicos, y a las escuelas. Segundo, quitar de encima de la gente las deudas a cada rato. Así podemos cambiar la desigalidad que nos limita a todos.


Salud Para Todos! #PublicDomainInfrastructure
ShiraDest

“ -Where are you going?
-To the Library.
-Daughter, there is more to life than reading books.
-I know, mother. I learned it by reading.”

How many of us have experienced the pain of being wrongly billed by a debt collector?
Many.
How many of us are lucky enough to know that we have rights that we must defend, which cannot be transgressed by those debt collectors?
Not as many.
How many of us know where to find the details of those rights and how to go about defending ourselves legally?
Not nearly enough of us.
And how many of us have access to good legal counsel, or a law library, and the transportation, not to mention the good health, to get there, and then to court if necessary?
Not most of us.
This is where public libraries, and public transportation, become crucial as places to help all citizens research and learn about their rights and how to defend them. In an era of shrinking library and school budgets for the 99%, separate is still not equal: fewer libraries and fewer legal and research librarians are available to guide residents searching for current Statute of Limitations, debt collection laws, etc. The result is that those who need the most help get the least, and inequality continues to grow, harming all of us.

One short term solution to these problems is clearly to fully fund Public Libraries, Pro-Bono legal and consumer Education, Public Transportation, and Universal Health Care (4 major components of our Public Domain Social Infrastructure #PublicDomainInfrastructure ).
One possible long term solution could be an old solution, advocated by several major religions over the millennia: the forgiveness of debt after a certain period of time. Modern student loans, for example, in the UK are rumored to be forgiven after 15 years, while Ancient Near Eastern societies mandated forgiving all sorts of debts periodically. These policies, modern and ancient, were meant to prevent what we are seeing today, particularly in the USA: an entrenched cycle of inequality that prevents the vast majority of people from achieving liberty, let alone pursuing happiness.

Read, Write, Dream, Walk !


#PublicDomainInfrastructure
ShiraDest

April 2nd, 12018 HE

Quand t’es amené au cour pour rien avoir fait… When you are brought to court for no crime…

Click here for English…

“-Architecte Numérobis !

-Oh !
C’est pas la peine de me pousser !”

… ça s’appelle (aux états unis) un “Body Attachment” -ce qui permet de t’envoyer au tribunal sans avoir commis un délit. Et le problème avec ça c’est que il y à plein des procès contre le démunies mais pas contre les riches. Souvent, les jugements par défaut sont obtenus sur les dettes qui sont bien au-delà de leurs statuts de limitations, mais les accusés ne pouvaient pas se défendre par un manque de savoir ou un manque de capacité à se défendre, et donc perdu soit par défaut, malgré la poursuite étant techniquement illégal. En suite ça mène à encore plus des soucies d’argent et même en prison, sûr tout quand on à des diversions pour ce qui peuvent payer, mais des procès et aux prison pour ce qui n’ont pas les moyens de payer pour éviter les procès. Après ça, le système de justice criminel a son propre montage des dettes, encore pire.

Des solutions possibles: Qu’on fait pas amené au tribunal pour des dettes, qu’après un temps limite, il n’y aura pas des procès pour des dettes, et sûr tout pas de paiements pour éviter les procès légaux. Et comment se fait-t-on pour éviter tous ces maux ? On incite les gouvernements de donner un Revenu de Base a tout le monde, augmenté par des Monnaies Locales. Et ça, c’est fait par la coopération humain. Même la Reine ne le peut pas nier.


“-Architecte Numérobis !

-Hey!
You don’t need to push me!”

… that is called (in the United States) a “Body Attachment” -which lets you be taken into custody without having committed a crime. The problem with that is that there is a greatly disproportionate rate of civil justice system debt collection litigation against the poor, rather than against wealthier debtors. Often default judgments are obtained on debts which are well past their Statutes of Limitations, but defendants were unable, due to lack of knowledge or lack of ability (illness, fear, no time off from work, lack of transportation, etc…) to defend, and thus lost by default, despite the lawsuit being technically illegal to begin with. This can lead to further financial problems, and even to jail time for those who end up in the Criminal Justice system. Particularly unjust is Pre-Trial Diversion, also known as Pre-Trial Intervention. Those who can afford to pay for Pre-Trial Diversions get all charges dropped, while those who cannot afford to pay go to trial and even to prison. To make matters worse, the criminal justice system has its own structure of debts on top of civil debts.

Some possible solutions to this arbitrary abuse of our justice system are: abolishing “Body Attachment” in the case of civil debt judgments, prohibiting lawsuit filings on time-barred debts, and above all, eliminating payment for Pre-Trial Diversion/Intervention. But how can we potentially prevent all of these problems at their source? We could encourage governments to provide a universal Basic Income, even if only in a Local Currency, potentially backed by partial acceptance for payment of local taxes, as many municipalities have done. This provides a floor on poverty, a floor on desperation, and a chance at avoiding the civil debts that often presage criminal justice system involvement, in our uneven set of systems. Even the Queen could not deny that.

Read, Write, Dream, Walk !

ShiraDest

February 20th, 12018 HE