Tag Archives: SoL

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

The common good, or the general welfare, is also tied up with on-going legal & financial pro-bono education (aka Adulting Education), which must become more fully inclusive for all of us.

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

So, it turns out that knowing what bits of legal information change from state to state is also important, as is knowing that one must actively defend against an expired medical or other type of debt, even if it is time-barred (or past the SoL), illogical as that may seem…

Action Items:

1.) Search for two different sources giving the different Statutes of Limitations (SoL) for your state,

2.) Share them with us in the comments, here, please.

3.) Share your thoughts on how changing those SoLs might help, or hinder,  allowing people to climb out of debt,

4.) Write a book, blog post or tweet that uses that information and your thoughts,  tells a good story, and makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. If you write a book, once published, please consider donating to your local public library.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

   Salût ! 

ShiraDest

started in December, 2020 CE = December 12020 HE

(The previous lesson 40/67 published since this post, and the most recent lesson 41/67…)

Creative Commons License
Shira Destinie Jones by ShiraDest is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

French Fridays, amené au cour pour rien avoir fait, et l’Adulting

Le bien de touts, ça n’est pas les Body Attachments, malgré leur usage.    L’urgence pour les plus démunis dans notre societé c’est comment celle du pauvre  architecte Numerobis!

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.

Donc, cet à nous de le faire réparer cet faut de justice, comment on a commencé dans le Maryland

Action Items:

1.) Search for two different sources describing laws in states that allow Body attachments.

2.) Share them with us in the comments, here, please.

3.) Share your thoughts on how those laws harm people unjustly, and harm society,

4.) Write a book, blog post or tweet that uses that information, tells a good story, and makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. If you write a book, once published, please consider donating to your local public library.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

   Salût !  

ShiraDest

December, 2020 CE = December 12020 HE

(The previous lesson 20/67 published since this post, and the most recent lesson 21/67…)

Creative Commons License
Shira Destinie Jones by ShiraDest is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

French Fridays, In Jail for No Crime, and Adulting Education

The common good, or the general welfare does not include Body Attachments, despite their continued use.  On-going legal & financial pro-bono education (aka Adulting Education), must become more fully inclusive for all of us.  The urgency for those most vulnerable in our society is like that of poor architect Numerobis!


“-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 !

 

So, it turns out that MD has at least started the process of curbing the use of Body Attachments, but has that state, or any others, fully banned this action?

Action Items:

1.) Search for two different sources describing laws in states that allow Body attachments.

2.) Share them with us in the comments, here, please.

3.) Share your thoughts on how those laws harm people unjustly, and harm society,

4.) Write a book, blog post or tweet that uses that information, tells a good story, and makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. If you write a book, once published, please consider donating to your local public library.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

   Salût ! 

ShiraDest

December, 2020 CE = December 12020 HE

(The previous lesson 20/67 published since this post, and the most recent lesson 21/67…)

Creative Commons License
Shira Destinie Jones by ShiraDest is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Freedom Fridays on the New Year, and a talk handout on debt remission for justice?

The judicial system considered most of my ancestors to be legal property. As the descendant of slaves who are often presumed to have had less difficulty than others, due to our light complexion, I look at various ways to handle inter-generational wealth, or the lack thereof, and I wonder how to adjust our need for Truth, Reconciliation and restitution to take into account the realities of the various levels of access to resources that different groups of people had (or didn’t have). Racism had its effects, and debt-build up did too, for all poor people.

The ability to build up wealth and pass that on to one’s children requires a fair judicial system that allows one to both build and keep wealth, and then to keep that wealth within a family group safely. Unlike, say, Tulsa, OK in 1921, or many other cases of murder for Black wealth. In studying the book of Deuteronomy, ch. 15, I noticed that the Bible also has much to say about helping people build and keep their wealth.

First, a fair judicial system is a must.

Second, debts cannot be allowed to build up too far for too long.

From a class I taught in DC, in 2012.  (pdf DCBM20AugustReehClass here…)

Shira Jones, DC Beit Midrash, DC JCC, 20 August 2012, Parashat Shoftim
Community is built pillar by pillar, and one of those pillars, as we see this week in this
week´s Parashah, Parashat Shoftim, is having a judiciary system which is fair and
impartial, handing down rules which are applied equally under law, yet expansive enough
to make exemptions when necessary (for instance, in the 6th aliyah, where newlyweds,
conscientious objectors and other young men are excused from going to war).
1
4
2
3
▪ Na’aseh ve Nishmah: {Laws = formal rules; Minhagim = informal
norms} Shoftim
▪ Rewards and consequences of unity and cooperation vs. separation from
the community: {holding the mountain over our heads} Shavuot
▪ Consensus based buy in from all of the people: {Every Jewish Neshamah
was there}
▪ Intergenerational endurance: {“Na’aseh ve Nishmah”} Parashat Re´eh
Some sources of each of the four pillars where discussed in last year´s Shavuot class,
notes for which are available upon request. We will focus today on the 4th pillar, from
Parashat Re´eh, that of Intergenerational endurance.
One major prerequisite for building lasting community is solving the problem of
short-term insolvency, and also preventing long-term building up of, as the Etz Haim
commentary on this parashah puts it, “a permanent underclass” of impoverished members
of the community. The Biblical mechanism for this is a regular Remission of Debt,
which is commanded Dvarim ch. 15.
Every seven years loans are forgiven
Loans, we learned earlier in Bahar, Lev. 25, must be made interest free to fellow Jews
An interesting repetition in Devarim 15:8 -openly open your hand to him
Why the redundancy? There are two sides to giving a loan
1. Short term financial help
2. long term community responsibility to
a. help the person make a sustainable living
b. create equitable structures that prevent neediness
Loan forgiveness and lending are short term solutions
Structural equity is the long term solution
Time Banking is one example of part of that long term solution
1. interest free, egalitarian equitable structure
2. interconnect various communities
3. since a person can donate time adn withdraw that time later, it gives along term
incentive for each person to contribute to the community and have that time valued and
recognized by the community.
4. over time this strengthens individuals and communities
Thus lending is short term, while Time Banks is part of Teachng a man to fish and
feeding him for a lifetime.
Community and the building of community solidly at the center of Jewish practice.
Chodesh Tov L´Elul, and Gamar Chatima Tovah, posted Teach !   ShiraDest, 8 March, 12016 HE,
Shira Destinie Jones, Mphil, DC “Community Cooperation” Singing Tour Guide

So, it turns out that 1.) debt forgiveness is an old idea, and 2.) a fair judicial system is related to debt, both short and long-term, and all three need to be considered together as part of an inter-related justice system.  Today, the criminal justice system adds to the debt of many people who were incarcerated rather than educated, and even more people, White and Black, suffer from lack of learning via default judgements on Expired Debts (debts past their Statutes of Limitations, or SoL), and medical or health-care related debt (another reason that Europe has higher upward mobility than the USA).

More on my continuing striving with justice, both judicial and economic, next time:

Yassas,   γεια σας!    Salût !  Nos vemos!  Görüşürüz!     ! שָׁלוֹם

Action Items in support of freedom for all that you can take right now:

1.) Search for two different sources to translate the word “Justice” into your favorite language.

2.) Share your thoughts on #1 with us in the comments, here, please.

3.) Write a blog post or tweet that discusses racism, tells a good story, or just makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. Once published, donate one or more copies to your local public library, as I intend to do.

Dear Readers, any additional ideas toward learning, especially multiple #LanguageLearning as part of on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write, Ranked Choice Voting and Housing for ALL!!, Teach and Learn (Lesson Plans)!

ShiraDest

2021 CE, which is 12021 HE

(The previous lesson plan since this post, and the most recent lesson plan…)

Thoughtful Thursdays, emotional and financial self-defense, and Phase II: Adulthood

Adults are expected to be able to take care of themselves, and to accept responsibilities that we associate with adulthood.  One of these responsibilities is voting, which is meant to give each citizen a voice on decision-making for the common good.  Another such responsibility is paying one’s bills, avoiding scams, and honoring contracts, including the payment of debts contracted legally.  The problem is that many people reach the age of adult citizenship without knowing all of the implications of agreeing to various types of contracts.  Often they are manipulated into contracting debts which they then do not know how to manage, and become entangled in legal maneuvers that they are unprepared to deal with effectively. 

The notion of the common good, or the general welfare, is based on the supposition of equality of power between citizens, and the ability of each person to keep himself safe, emotionally, and fiscally.   The common good also implies some level of empathy between and for all citizens, and therefore might benefit, in a more fully inclusive society, from a new secular adulthood Democratic Rite of Passage which allows each person to demonstrate a certain level of knowledge and attention: that required to keep herself and those she may encounter safe on multiple levels.  Meaning, as discussed near the end of this post, should also, in my humble opinion, be included, somewhere, in that concept of safety.

Following are some thoughts I had on this issue a while ago, which I am still refining:

  • Elaborating on where Phase II (The Adulthood Challenge and a new CCC…) began:

What we need our children to prove, for recognition of adulthood, is not their prowess in battle or the hunt, not their virility, not their adeptness at social maneuvering, but their ability to contribute meaningfully to society by teaching another person, from level 0, how to do something that is both difficult and absolutely necessary in our society today. By requiring our pre-adults to teach some other person a needed life skill, over the course of at least a year, that pre-adult shows persistence, perseverance, discernment, and of course, the skill in question.

Thus we provide an esteem building exercise and respect building accomplishment which we then reward with full adult status, whatever the age of the pre-adult in question. This obviously assumes that the person has had opportunity to prove his or her good judgement in other ways as well, prior to seeking adulthood recognition. This might help as one step of a series of steps implemented by and through local communities which could lead to more long-term thinking in society at large, given a critical mass and good faith in the ability of humankind to rise above our instincts, and learn to cooperate.  Certain pre-requisites should apply: knowledge of emotional, financial and physical self-defense.

Tying into emotional challenges like PTSD, pre-adults must learn how to communicate non-violently, manage their own emotions and prevent emotional manipulation, which eases the recognition and treatment of difficult past traumatic disorders.   Homelessness and debt both relate to issues of financial self-defense,  which means the ability not only to balance a check book and write up a home budget, but also to avoid falling victim to scams of all sorts, as well as the ability to plan for long-range problems like job-loss, or illness, etc.

Now, I would add that swimming, or knowing how to float, and possibly also finding water, if one lives in or near a desert, are part of physical self-defense. 

  More than ever, I continue to believe that we need a new rite of passage in which every person wishing to be recognized as an Adult (in a society where only Adults are granted certain responsibilities, such as governmental service),  must teach someone, from start to finish, a usable, important, and difficult skill. It must be a skill which the person has to use in the real world, such as moving from the alphabet to reading chapter books, or from learning the counting numbers through multiplication, or from writing a sentence to writing an essay, or from no English to conversational or passable workplace English in the United States.

   A useful side effect of this idea is that it could effectively increase the number of available tutors, and also lead to every Adult in our society coming away with an understanding of the challenges involved in teaching anyone anything non-trivial.

  This needs to be a challenge, with the danger of failing: an initiation.  As such, it must  require a serious investment of time (preferably meeting for several hours each day) for at least one year. That way the young person can look back with pride on a serious accomplishment and justifiably claim his or her status as an Adult. Along the way, several problems in our modern society can be solved at the same time :

1.) The increasing lack of self-discipline, civility and respect for learning among the young.

2.)  The shortage of teachers combined with the budgetary shortfalls in most states would be somewhat mitigated by adding the numbers of teenage students needing to finish their “Adulthood Project” to the number of classroom aides and volunteers.

3.)  The need for challenges and self-testing during the adolescent stage of life which is left unfulfilled by modern society´s unsatisfyingly arbitrary definition of adulthood.

I would propose that implementing such an idea should begin with involving the local community by having the adolescent (or if still in his/her 20´s, the “pre-adult”) bring a person to meet with the community to show the starting point of the teaching process. After the learning objective has been attained, the pre-adult and the learner would return to meet again with the community to assess the effectiveness of teaching and to award the pre-adult his or her status as an Adult, with the full rights and responsibilities expected of an adult, including such cultural norms as civility, courtesy, and even graciousness.

     In this way we may move from a society where rudeness is the norm to one in which graciousness is valued. For example, a friend tells of an incident where a lady´s dog snarled at her, and the lady apologized, which was the civil thing to do, and then even offered to call a cab for her, which was the gracious thing to do. A society in which graciousness is valued will be both a more compassionate society and a more creative one. I leave these thoughts for contemplation, debate, and action.

To break down some possible prerequisites to require before attempting to start the Challenge, here are some things that every member of society ought to know:

I have six criteria for being an adult. Each prospective adult must be able to:

1. swim, (or inland: find potable water)
2. defend him or herself both emotionally and physically,
3. think critically and build logical arguments,
4. understand statistics,
5. drive and make emergency repairs to manual (stick-shift) cars, or know how to ride and care for bicycles or horses, or otherwise show ability to navigate safely.

These all imply the most important criterion:

6. accepting responsibility to think independently,
taking responsibility for one’s actions and for preventing exploitation.

Personally, I have spent a good deal of time studying each of
the above items, and also reflecting on my own principles. I
believe this reflection to be part of both #3 and #6, as each
Adult must know the basis of his or her life principles, if he or
she is to live a fulfilling and stable life.

This implies that every Adult must have not only considered what gives life meaning, as
Dr. Viktor Frankl described, but must also have pondered those principles upon which that meaning is base,  and must have therefore decided what gives life meaning.  I think that this process is crucial.

Thus, I believe that the final test for being recognized as an
adult should be to teach someone else a necessary life skill.

For example, swimming, or writing.

The ideas of both financial/emotional self-defense, and of meaning, as part of Adulthood, are things that I do not see being addressed in our general society as part of basic education.  For a variety of reasons, both the different types of self-defense (financial, emotional, and physical), as well as the concept of meaning in life, or something greater than oneself that ties back to one’s own link to society and one’s role in that society, need to be addressed as part of becoming an Adult.

Action Items:

1.) Search for two different sources related to the 4 types of debt, and statutes of limitations for each debt type, in your state.

2.) Share your thoughts on connections between debt and emotional manipulation.

3.) Share your thoughts on how understanding emotional and financial self-defense might help, or hinder, inclusive thinking,

4.) Write a book, blog post or tweet that uses an alternate calendar, tells a good story, and makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. If you write a book, once published, please consider donating to your local public library.

Dear Readers, ideas on learning, especially multiple #LanguageLearning, on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write -one can add Stayed on Freedom’s Call via this GR button:

Yassas,   γεια σας!    Salût !  Nos vemos!  Görüşürüz!     ! שָׁלוֹם

ShiraDest

December, 2020 CE = December 12020 HE

(The previous lesson 2/67 published since this post, and the most recent lesson 3/67…)

Creative Commons License
Shira Destinie Jones by ShiraDest is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Turkish Tuesday, orphans, and magical stories, like the 1001 Nights: which were NOT Turkish…

Orphans like Çilek still deserve protection, especially if they cannot do magic to protect themselves the way Harry Potter does!  But sometimes, a good story can save your life, if you live in a land where stories are currency, and can buy many things.  Turkey, by the way, is not one of the lands where these stories originated.  Persia, and Arabia and parts of India, apparently, were the lands of these stories, before a few stories were added by the French…

But, telling the stories of survivors can often save lives, as in this free book Invisible Children, by KARA.org.

   “In your Child Protection System is there a volunteer program from a local law school that assigns a volunteer attorney to an abused child?  If not, are there adequate public legal representation for abandoned children?”

Kids who grow up ‘invisible,’ especially those without stable and functional families who protect and give them middle class cultural capital, like dinner table discussion of financial laws and mutual funds, are especially vulnerable to predatory lenders and debt collectors.

Until there are enough pro bono lawyers giving free legal and financial clinics, the rest of us can help in these ways:

1.)  ask local community colleges to offer free legal and financial clinics on your state’s statutes of limitations, contract and debt related laws, and consumer protection laws.

2.)  ask your law-makers to prohibit law suits on expired (aka Time Barred) debts.

3.)   ask your law-makers to lower the Statutes of Limitations on verbal and written contracts, which are often how kids unknowingly get into debt and end up in collections.

4.)  Write your own story (or novel) showing a world where kids get the protection they need, in multiple ways…

Please share your ideas for increasing Legal and Financial Literacy and opportunity for ALL of us!

This post is dedicated to my Great Great grandparents Wayne Anthony, murdered for succeeding, and his wife Maude Eleanor West Manzilla, who never gave up her legal suit to clear his name of the suicide charge by the life insurance company, and worked valiantly to keep her family together. Their descendants continue their work.

Quotes for a related post came from a recent ProPublica article co-published with The New Yorker.

Let’s #EndPoverty , #EndHomelessness, & #EndMoneyBail starting by improving these four parts of our good #PublicDomainInfrastructure 4:
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

post  originally scheduled September, 12020 HE

Turkish Tuesday, orphans, and magic

Orphans like Çilek deserve protection, especially if they cannot do magic to protect themselves the way Harry Potter does!

(from free book Invisible Children, KARA:)

“In your Child Protection System is there a volunteer program from a local law school that assigns a volunteer attorney to an abused child?  If not, are there adequate public legal representation for abandoned children?”

Kids who grow up ‘invisible,’ especially those without stable and functional families who protect and give them middle class cultural capital, like dinner table discussion of financial laws and mutual funds, are especially vulnerable to predatory lenders and debt collectors.

Until there are enough pro bono lawyers giving free legal and financial clinics, the rest of us can help in these ways:

1.)  ask local community colleges to offer free legal and financial clinics on your state’s statutes of limitations, contract and debt related laws, and consumer protection laws.

2.)  ask your law-makers to prohibit law suits on expired (aka Time Barred) debts.

3.)   ask your law-makers to lower the Statutes of Limitations on verbal and written contracts, which are often how kids unknowingly get into debt and end up in collections.

4.)  Write your own story (or novel) showing a world where kids get the protection they need, in multiple ways…

Please share your ideas for increasing Legal and Financial Literacy and opportunity for ALL of us!

This post is dedicated to my Great Great grandparents Wayne Anthony, murdered for succeeding, and his wife Maude Eleanor West Manzilla, who never gave up her legal suit to clear his name of the suicide charge by the life insurance company, and worked valiantly to keep her family together. Their descendants continue their work.

Quotes for a related post came from a recent ProPublica article co-published with The New Yorker.

Let’s #EndPoverty , #EndHomelessness, & #EndMoneyBail starting by improving these four parts of our good #PublicDomainInfrastructure 4:
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

 September, 12020 HE

Freedom Fridays and a talk handout on debt remission for justice?

The judicial system considered most of my ancestors to be legal property. As the descendant of slaves who are often presumed to have had less difficulty than others, due to our light complexion, I look at various ways to handle inter-generational wealth, or the lack thereof, and I wonder how to adjust our need for Truth, Reconciliation and restitution to take into account the realities of the various levels of access to resources that different groups of people had (or didn’t have). Racism had its effects, and debt-build up did too, for all poor people.

The ability to build up wealth and pass that on to one’s children requires a fair judicial system that allows one to both build and keep wealth, and then to keep that wealth within a family group safely. Unlike, say, Tulsa, OK in 1921, or many other cases of murder for Black wealth. In studying the book of Deuteronomy, ch. 15, I noticed that the Bible also has much to say about helping people build and keep their wealth.

First, a fair judicial system is a must.

Second, debts cannot be allowed to build up to far for too long.

From a class I taught in DC, in 2012.  (pdf DCBM20AugustReehClass here…)

Shira Jones, DC Beit Midrash, DC JCC, 20 August 2012, Parashat Shoftim
Community is built pillar by pillar, and one of those pillars, as we see this week in this
week´s Parashah, Parashat Shoftim, is having a judiciary system which is fair and
impartial, handing down rules which are applied equally under law, yet expansive enough
to make exemptions when necessary (for instance, in the 6th aliyah, where newlyweds,
conscientious objectors and other young men are excused from going to war).
1
4
2
3
▪ Na’aseh ve Nishmah: {Laws = formal rules; Minhagim = informal
norms} Shoftim
▪ Rewards and consequences of unity and cooperation vs. separation from
the community: {holding the mountain over our heads} Shavuot
▪ Consensus based buy in from all of the people: {Every Jewish Neshamah
was there}
▪ Intergenerational endurance: {“Na’aseh ve Nishmah”} Parashat Re´eh
Some sources of each of the four pillars where discussed in last year´s Shavuot class,
notes for which are available upon request. We will focus today on the 4th pillar, from
Parashat Re´eh, that of Intergenerational endurance.
One major prerequisite for building lasting community is solving the problem of
short-term insolvency, and also preventing long-term building up of, as the Etz Haim
commentary on this parashah puts it, “a permanent underclass” of impoverished members
of the community. The Biblical mechanism for this is a regular Remission of Debt,
which is commanded Dvarim ch. 15.
Every seven years loans are forgiven
Loans, we learned earlier in Bahar, Lev. 25, must be made interest free to fellow Jews
An interesting repetition in Devarim 15:8 -openly open your hand to him
Why the redundancy? There are two sides to giving a loan
1. Short term financial help
2. long term community responsibility to
a. help the person make a sustainable living
b. create equitable structures that prevent neediness
Loan forgiveness and lending are short term solutions
Structural equity is the long term solution
Time Banking is one example of part of that long term solution
1. interest free, egalitarian equitable structure
2. interconnect various communities
3. since a person can donate time adn withdraw that time later, it gives along term
incentive for each person to contribute to the community and have that time valued and
recognized by the community.
4. over time this strengthens individuals and communities
Thus lending is short term, while Time Banks is part of Teachng a man to fish and
feeding him for a lifetime.
Community and the building of community solidly at the center of Jewish practice.
Chodesh Tov L´Elul, and Gamar Chatima Tovah, posted Teach !   ShiraDest, 8 March, 12016 HE,
Shira Destinie Jones, Mphil, DC “Community Cooperation” Singing Tour Guide

So, it turns out that 1.) debt forgiveness is an old idea, and 2.) a fair judicial system is related to debt, both short and long-term, and all three need to be considered together as part of an inter-related justice system.  Today, the criminal justice system adds to the debt of many people who were incarcerated rather than educated, and even more people, White and Black, suffer from lack of learning via default judgements on Expired Debts (debts past their Statutes of Limitations, or SoL), and medical or health-care related debt (another reason that Europe has higher upward mobility than the USA).

More on my continuing striving with justice, both judicial and economic, next time:

Yassas,   γεια σας!    Salût !  Nos vemos!  Görüşürüz!     ! שָׁלוֹם

Action Items in support of freedom for all that you can take right now:

1.) Search for two different sources to translate the word “Never Again” into your favorite language.

2.) Share your thoughts on #1 with us in the comments, here, please.

3.) Write a blog post or tweet that discusses racism, tells a good story, or just makes a difference. I’m working on that through my historical fantasy #WiP, #WhoByFireIWill. Once published, donate one or more copies to your local public library, as I intend to do.

Dear Readers, any additional ideas toward learning, especially multiple #LanguageLearning as part of on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write, Ranked Choice Voting and Housing for ALL!!, Teach and Learn (Lesson Plans)!

ShiraDest

Preptober (October, Prep for NaNoWriMo!)

2020 CE, which is 12020 HE

(The previous lesson plan since this post, and the most recent lesson plan…)

Tr Tuesdays is now “True compassion” Tuesdays, on legal & financial self-defense, from Dr. King’s words we all should have read back in 1968 (or at the age to ‘get it’…) during Sukkot/Tabernacles…

Predatory Landlords, Debt, and Repairing the World

Here is an unfortunately still relevant post on tenants being evicted via bogus service papers, in the District, now, despite MD’s 2016 update requiring more evidence to file against debtors, apparently:

 

Dr. King said that,

“True compassion is more than flinging a coin to a beggar; it comes to see that an edifice which produces beggars needs restructuring. ”

The question is how does such “restructuring” happen?

Following up on my earlier post regarding debt as a problem of financial self-defense, particularly in the case of apartment renters who are forced to live in a lemon or face Breach of Lease, Biblical Law may have something to say about the long term consequences of artificially pushing people into debt (talking about otherwise frugal folks who do not spend profligately).

I respectfully submit that we have had one possible tool in our hands for several thousand years, and it may need to be examined in the context of our present debt crisis -the release of debts, both short term and long term, at different times.  Below is a handout from one of several talks I gave on the relationship between debt and community building, this one from the book of Deuteronomy: DCBM20August_Reeh_Class.

AfterNote: while debts do “expire” at different times in each state and DC according to the type of debt, only two states actually “extinguish” expired debts, and only Maryland prohibits lawsuits being brought against debtors for already expired debts!              Lawmakers in every country need to act to prevent this sort of financial and emotional bullying (in the case of landlords, offering apartments which do not suit, and then reneging on promises to fix issues, while in other cases, offering credit knowing that those who accept are at a relative disadvantage).
In the USA, each state regulates how long one can be sued for a debt, but even then, if the debtor does not know to defend, or is unable for some reason to go to court even if h/she knows, oftentimes creditors sue illegally and win. Now this cannot happen in MD, but the original creditors are still free to harass up to and beyond the Statute of Limitation (‘expiration’) of the debt.

May we look to our collective good, as one Human Race, and to the potential of each and every Human Being.

Read, Write, Dream, Walk !
ShiraDest

my resume: JonesPolicyResumePublic
June 26th, 12017 HE

 

So, it turns out that ‘gutter service,’ aka tossing the papers in the gutter and telling the court the person was served, still happens despite what I read about some jurisdictions raising the bar for filings, and that default judgements are still rendered on faulty bases.   This is where both knowledge of the laws around specific debt-related issues, by locality, and the transportation and health to get there are critical. 

More on my continuing striving with legal and financial self-defense education next week, friends:

Yassas,   γεια σας!    Salût !  Nos vemos!  Görüşürüz!     ! שָׁלוֹם

Action Items in support of literacy and legal/financial self-defense that you can take right now:

1.) Search for two different resources to tell the SoL in your state for the 4 types of debt,

2.) Share them with us in the comments, here, please.

3.) Share your thoughts on how you found and whether or why (or why not) you trust each of the resources you found,

4.) Write a blog post or tweet about it, or just, tell a good story, that makes a difference.

Dear Readers, any additional ideas toward learning, especially multiple #LanguageLearning as part of on-going education and empathy-building, to #EndPoverty, #EndHomelessness,  #EndMoneyBail & achieve freedom for All HumanKind? 

Support our key #PublicDomainInfrastructure  & #StopSmoking for CCOVID-19:
1. #PublicLibraries,
2. #ProBono legal aid and Education,
3. #UniversalHealthCare, and
4. good #publictransport
Read, Write, Ranked Choice Voting and Housing for ALL!!, Teach and Learn (Lesson Plans)!

ShiraDest

September, 12020 HE

(The current lesson plan since this post, and the second most recent lesson plan…)

Mean Monday? Invisible Children vulnerable to invisible debts: Action Items to help

Orphans like Çilek deserve protection, especially if they cannot do magic to protect themselves!

(from free book Invisible Children, KARA:)

“In your Child Protection System is there a volunteer program from a local law school that assigns a volunteer attorney to an abused child? I’ve met some well- meaning and bright attorneys who genuinely care for their clients this way. If not, are there adequate public legal representation for abandoned children?”

Kids who grow up ‘invisible,’ especially those without stable and functional families who protect and give them middle class cultural capital, like dinner table discussion of financial laws and mutual funds, are especially vulnerable to predatory lenders and debt collectors.

Until there are enough pro bono lawyers giving free legal and financial clinics, the rest of us can help in these ways:

1.)  ask local community colleges to offer free legal and financial clinics on your state’s statutes of limitations, contract and debt related laws, and consumer protection laws.

2.)  ask your law-makers to prohibit law suits on expired (aka Time Barred) debts.

3.)   ask your law-makers to lower the Statutes of Limitations on verbal and written contracts, which are often how kids unknowingly get into debt and end up in collections.

4.)  Write your own story (or novel) showing a world where kids get the protection they need, in multiple ways…

Please share your ideas for increasing Legal and Financial Literacy and opportunity for ALL of us!

This post is dedicated to my Great Great grandparents Wayne Anthony, murdered for succeeding, and his wife Maude Eleanor West Manzilla, who never gave up her legal suit to clear his name of the suicide charge by the life insurance company, and worked valiantly to keep her family together. Their descendants continue their work.

Quotes for a related post came from a recent ProPublica article co-published with The New Yorker.

Let’s #EndPoverty , #EndHomelessness, & #EndMoneyBail starting by improving these four parts of our good #PublicDomainInfrastructure 4:
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

September, 12020 HE