Tag Archives: TimeBarred

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

metro

Moody Mondays: Take the Metro, or Take the Debt? Ir en Metro, o en Deuda?

Click here for English & Action Items (below Spanish)…

“ -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 in our modern day real life.  Mass transit is a crucial part of society’s infrastructure, allowing equal access to transport, and also moving people more efficiently on the roads or rails, while keeping down pollution, two key ways of reducing the background stressors that make it harder for citizens to take active part in the governing process of our democracies.  Lack of transportation also often leads, directly or indirectly, to default judgement on an expired debt which could have been avoided, had the debtor been able to defend in court.  After all, we no longer have debtor’s prisons, as they did in the time of my Work In Progress (or do we?).

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.

Action Items:

1.)    Just look up the public transportation options available in your area.

2.)     Try riding them, if you can.

3.)      Look up times and locations for your local Transit Board meetings.

4.)       Ask your local law-makers to put in Light Rail stops to your local airport(s).

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

Let’s #EndPoverty, #EndHomelessness, & #EndMoneyBail and support these four key parts of our #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

September, 12020 HE

Learning the language of Family History, and Choosing your Hill…

Tracing one’s family, particularly a family full of mostly Enslaved Persons, and some Free People of Color (free before the Civil War and subject to the Black Codes in most states), means learning the language of genealogy, and then learning your own family language, with names that run in families, especially middle names, and have certain meanings known only to the inner circle at that time. In order to survive, each of those People of Color had to decide and choose which hill they wanted to die upon: the hill of passing for White, in some cases, despite loosing family to do so, the hill of fighting to educate Colored people, despite the many hurtles, as my 2xs great grandfather and his daughter, in her turn, did, or the hill, today, of bearing the torch to help educate all people, as many of us are choosing in this difficult time.

What hill do you choose to die on? Building or choosing ‘Found Family’ for me is about connecting deeply and personally with other folks who share my values, as my great Aunt Sr. Mary Felix Manzilla did, when she joined the Oblate Sisters of Providence, the first Catholic sisterhood open to Colored women, in 1914. I seek to help build community that honors safety and Enough for All, and is willing to die upon the hill of Empathy and Compassion, fighting for Everyone to have Enough of Everything

(… taking a quick “station break” for some Standing Action Items on that:
1.) Tell your local Transit Board to build more LightRail stops,
2.) Tell your local city council to hire more librarians, add social workers and nurses to the library staff, and add washing stations to Public Library bathrooms,
3.) Ask your Community College Provost to give free classes on State Law Basics covering local land, property, contract and Statutes of Limitations laws (with shuttle bus service from poor neighborhoods!),
4.) Ask your State Senators and Reps to pass Universal Health Care in your state, and tell your Congressmen to do likewise at the Federal level.
…)

that Every Human Being needs to live with human dignity. But I seek that community as one looking to build personal family connections, to walk, to teach, and eat together, to look after one another and if necessary, to die for and with one another. In other words, Family, like my great aunt found, with the OSP.

Dear Readers, please consider the people and institutions linked above, and

Action Items:

1.)    Share your Hill, if you wish.

2.)     Simply Google your town’s Mass Transit Authority, to see if you have a Light Rail.  Then, if you have one, ask them to expand it!  🙂  If not, ask them how a simple and cheap tolley or light rail line could be put in.

You are now returned to your regularly scheduled #PublicDomainInfrastructure through #LanguageLearning channel (& I return to my #WiP!): please stand by…

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

August, 12020 HE

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

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