Tag Archives: TimeBarred

Public Financial Knowledge Infrastructure: Is Your Debt Time-barred?

   This basic post is meant to be useful for anyone wishing to give a 5-minute seminar at the Metro/Trolley/Bus stop.
Please share widely.
Now that we know what a Statute of Limitations
is,  statutes-of-limitations and how to get the  information  on your debt, if it is Valid, you have the information that a legal expert needs to figure out if your debt is still enforceable in your state (or DC).
You should also look at your credit report, since debts are often listed by type there, as well.
1.  revolving  or open, is credit card;
2.  written contract is an apartment lease, for example;
3.  verbal contract;
4.  promissory notes.
        Again, many web sites list the various SoLs by state, but be sure to compare the SoL in your state with the online legal code of your state, and be sure that it is up to date (ask a law student if you are not sure, at a free legal clinic).
    Now that you have all of the dates from your last payment, check your state law to see how soon after that the SoL for that type of debt kicks in, and count the years.  If it is too old, then the debt is not enforceable, but you need to tell them that.  In writing.  There is a lot of advice online about this, but you probably want to get a Pro-Bono lawyer or law school student to help you, just to be sure.
   Remember to always respond to a letter about debt, after checking with a legal person.
Don’t wait  until_debt_tear_us_apart_28unsplash29
      More on getting our state legislators to change this situation in a couple of weeks.

Shira

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Shira

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

Public Financial Knowledge Infrastructure: What is Validating a Debt?

    Here is another very basic post, meant to be useful for anyone wishing to give a 5-minute seminar at the Metro/Trolley/Bus stop.  Please feel free to print, handout, repost, and share widely.
statutes-of-limitations
   Last week, we defined the phrase Statute of Limitations for four types of debt.
    We mentioned that a crucial point to remember is that in most states, the clock can restart on an old debt if you promise to pay, or make even a token payment on an old or expired debt, which is why it is very important to be careful in dealing with debt collectors of any type, even if the debt has  been validated.
   Validated?
     Validating a debt is the process of sending you certain required information that proves you to be the person owing a certain debt.
    Federal law requires certain information, so be careful to get all of the details:  this site, for instance (unless I missed it in the fine print), neglects to mention the ‘tear-off’ that collectors must send you, right?
      Details matter.
     So, if you know someone being called by debt collectors, let that person know that they should ask, preferably in writing,  that the collector Validate the Alleged Debt.  Lots of sample debt validation letters are available online.
   Please share widely, and we’d love links here to some great sample letters you find or write!
      Using this information now, if your debt is valid, you can get help finding out if it is Time-barred, yet.  printable_yearly_2020_calendar
      More, after that, on how to help change this by mailing your state legislators in another week or so.

Shira

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Click here to read, if you like:

Shira

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

Public Financial Knowledge Infrastructure: What is an SoL?

    Since no one seems to be jumping up and down to get this part of the Project started, I am beginning with a very basic post, meant to be useful for anyone wishing to give a 5-minute seminar at the Metro/Trolley/Bus stop.
   SoL  ==  Statute of Limitations
   Statutes of Limitations are time limits on the enforcement of laws, basically.  The kinds of SoLs that Project Do Better focuses on, in Phase I, are those related to debt.  Every state has a different set of SoLs for each of the 4 kinds of debts:
  1.   revolving  or open, is credit card;
  2.   written contract;
  3.   verbal contract;
  4.   promissory notes
        Many web sites list the various SoLs by state, but be sure to compare the SoL in your state with the online legal code of your state.
  statutes-of-limitations
    Another crucial point to remember is that in most states, the clock can restart on an old debt if you promise to pay, or make even a token payment on an old or expired debt.  That is why it is very important to be careful in dealing with debt collectors of any type, even if the debt has  been validated.
  until_debt_tear_us_apart_28unsplash29
 And
a week or so after that…
  printable_yearly_2020_calendar
  And then, you can determine whether that debt, if valid, is time-barred.

Shira

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Click here to read, if you like:

Shira

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

metro

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

originally posted on May 7th, 12018 HE

Action Items:

1.) Search for more sources relating lack of transportation to joblessness, court case defaults, and homelessness, perhaps with a bit of help from your local public library branch’s Reference Librarian,

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

3.) Share your thoughts on how a public transit system might help, or hinder, both unfair debt cases, and also inclusive thinking,

4.) Write a book, blog post or tweet that uses those thouhts.

 

    Nos vemos!

*****************

Click here to read, if you like:

B5, Hakan: Muhafiz/Protector,  Lupin, or La Casa de Papel/Money Heist Reviews

Holistic College Algebra & GED/High School Lesson Plans,

           or Long Range Nonfiction, or Historical Fiction Writing

Thoughtful Readers, please consider reading about #ProjectDoBetter.

Shira Destinie A. Jones, MPhil, MAT, BSCS


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


Wondering Wednesdays, Baby Acres, Chapter 1, part 1

This post continues the rough draft of  Chapter 1 of my non-fiction WiP, Baby Acres.  And it now has words!  🙂     I’m posting the first outline section, chapter 1, section IA, warts and all, so please be forgiving here, dear readers.  At the moment it is the best I can do.  This was only meant to be about 250-300 words, but I got a little, well, verbose, at 580 words, I guess.

I’ve also realized, or remembered, rather, from my thesis writing, that putting the outline up front and then the verbage, or writing the words, later, is a mess.   It is easier than having a separate spreadsheet for the outline and wordcount (though that process does work better for me when I am writing a novel, perhaps because there are so many more threads to keep track of, and also because I often struggle to hit my initial wordcounts while drafting fiction, so that wordcount tracking in my novel WiP spreadsheet keeps me moving it along, while adherring to potential publisher genre wordcount requirements).

Too bad my current free word processing software is too “light” to expand an outline and recollapse it again by chapter.  So I am doing this all manually.

As previously stated, the overall goal is now to explain why we need both equ. + justice, & why in 4 phases.  This chapter will transition to a chapter (2-5) for each phase, showing what Phases I-IV could look like as part of a possible roadmap for a fully inclusive society for all of us.  This vision is laid out in the hope that All HumanKind  will eventually have each person’s basic needs  met, without taking anything from anyone, and without violence, intimidation, nor coercion of any kind. 

Chapter One, section IA:

Phase I with respect to the entire project, and phases II-IV:

The first stage of this project forms the foundation for all three remaining stages. Phase I
consists of showing the connections between four key parts of our infrastructure, and building enough support for those systems as part of our larger sphere/culture/system/xyzWorld. A lack of health care, public transportation, up-to-date information, and safe community gathering spaces places limits on the freedom of us all. Accessible and safe community information-finding spaces are equally important, and public libraries frequently act as both gathering spaces for community events, and a point of first contact for many members of the most vulnerable communities to find up to date information on health events, voting, and other critical issues.

Both a single payer health care system and good public transit are key to free speech and
association. Lack of guaranteed transportation puts a practical limit on what a person can say due to lack of ability to protect one’s health, since having no car makes trips to doctor’s offices more difficult, or even impossible. Lack of health care and independent transportation can also put the job of a vulnerable worker at risk, leading to fear of job loss or black-listing, based on guilt by association. Those fears can quite effectively limit both freedom of association and freedom of worship, for instance when attending mosque is equated with associating with
terrorists. This underscores the importance of having access to good information, since

“a little knowledge is dangerous.”

currently page 11…

 

Both public transportation and public health care are also interconnected to consumer debt education and public libraries. Lack of current and accurate information on debt laws at the state level, for example, leads to many default judgments on debts which were already time-barred. These default SoL judgments are often strongly skewed toward poorer zip codes

(find blog posts with MD and other state studies…) .

This lack of continuing legal financial education tilts the scales toward further unjust and also unsustainable economic distribution. Public libraries are one key place where up to date information on such critical financial and pub health and safety issues is accessible to even the most vulnerable members of society. These four systems are thus inseparably linked and needed before progress on any other part of society could advance. Together they are called PublicDomainInfrastructure, and their connection to the larger whole will be shown in chapter two.

The higher levels of both empathy and critical thinking skills needed to build support for
PublicDomainInfrastructure can be supported in various ways.

Reaching the 4 Freedoms will require climbing a fairly steep learning curve for many people, and the process of learning both sets of skills could be significantly aided by encouraging people from all walks of life both to learn two or three (hinted at in ch.2, developed in chptr 3) languages, and to travel, when possible.

Travel is also especially helpful to this learning process, but is far less accessible to the majority of people than language learning, which can be done for free online, when one is persistent enough. Language learning is an inexpensive tool for building empathy, as travel could also be, if we were imaginative enough.

Public libraries can help in that task, as well as in learning how to build a habit of continual
individual learning and even group research. Many libraries have multi-lingual staffs, and
reference librarians trained in finding information from around the world. So, they are well-
placed to encourage more on-going individual and community learning in a variety of ways.

— (Next section: Chapter 1, IB…)

I’m continuing to update the outline for the first chapter, and also, I revise old versions of the all of the chapter outlines as I go.  I like to save my work each day as a PDF (doc has been updated with “, and to travel, when possible”…), in addition to backing up the rtf document.  That way I have a snapshot for each stage of the work, and I can also use any editor I want to edit the file, in case of crashes.

(Btw, I must remember to ask JYP about acks, since anon. blog…)

Last week was the seventh installment of this series…

 

Action Items:

1.) Consider some ideas you may have on how having safe and far-reaching public transit, universal health care, free local legal and financial classes, and great libraries could society change in 15 years,

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

3.) Write a story, post or tweet that uses those sources and your thoughts.

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 at LEAST 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 GoodReads button:

Stayed on Freedom's Call: Cooperation Between Jewish And African-American Communities In Washington, DC,

 

Vote, Teach and Learn (PDF Lesson Plan Book)

and
my Babylon 5 review posts, if you like Science Fiction,
and
a proposed Vision on Wondering Wednesdays: for a kinder world…
   

Shira Destinie A. Jones, MPhil

our year 2020 CE =  12020 HE

(Day 1Day 5)

Stayed on Freedom’s Call
(free copies at: https://archive.org/details/StayedOnF…)
includes two ‘imagination-rich’ walking tours, with songs, of Washington, DC. New interviews and research are woven into stories of old struggles shared by both the Jewish and African-American communities in the capital city.

Shared histories are explored from a new perspective of cultural parallels and parallel institution-building which brought the two communities together culturally and historically.

Please leave a review, if you can, on the GoodReads page.

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.

originally posted: September, 12020 HE

Action Prompts:

1.)  Share your thoughts on how we Human Beings might start to build a more fully inclusive society for all of us, and how stories like that of Harry Potter or Çilek (from Sihirli Annem) could help that process. 2.) Write a book, story, post or tweet that uses these thoughts.

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Click here to read, if you like:

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

metro

– 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

– 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