Author: S. A. Brown
Publisher: Lulu.com
ISBN: 1257999559
Category :
Languages : en
Pages : 122

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Book Description

Author: Fred Williams
Publisher: FT Press
ISBN: 013212212X
Category : Business & Economics
Languages : en
Pages : 216

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Book Description
This year, America’s enormous, poorly regulated debt collection industry will make more than 1,000,000,000 collection calls. They will threaten. They will lie and mislead. They will intimidate. Over the past five years, they’ve racked up more than 300,000 complaints to the Federal Trade Commission: more than any other industry regulated by the FTC. Financial reporter Fred Williams knows more about the industry than anyone else. Not only has investigated America’s debt collection agencies, he spent three months working for one of the largest firms in the business. In Fight Back Against Unfair Debt Collection Practices Williams reveals what he learned and shows you exactly how to fight back and protect your rights. Williams weaves indispensable practical advice together with stories straight from his collection agency cubicle. You’ll learn what to do first if a collector calls; what collectors can and can’t do; which debts you are and aren’t responsible for; how collectors choose accounts to focus on; how to stop harassing or abusive calls; how to keep the advantage in a negotiation for a lucrative debt settlement; even how to take the offensive with a lawsuit that can halt collection and win yourself a $1,000 penalty!

Author: Ellen Roseman
Publisher: John Wiley & Sons
ISBN: 1118300882
Category : Business & Economics
Languages : en
Pages : 304

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Book Description
Money-saving advice from Canada's leading consumer advocate In this book Ellen Roseman distills the financial advice she gives in her columns and blogs into 81 quick tips that all Canadians can use to help them spend sensibly, save money, and avoid costly consumer traps. This book of "personal finance greatest hits" is filled with illustrative examples and cautionary advice from Roseman and stories from her faithful readers. Filled with a wealth of information, the book includes the low-down on dealing with banks and car dealers, cutting costs of communication services, improving your credit, buying and renovating a home, fighting online fraud, ensuring you have the right insurance, and more. Offers an easy-to-use guide for being smart with your money Includes how to advice on handling the most common financial pitfalls Contains the best advice from Ellen Roseman's columns and blogs Written by Canada's most popular and savvy consumer advocate Don't spend another dollar until you read Ellen Roseman's best-ever tips for saving money and making wise financial decisions.

Author: Lee Smith
Publisher: Booktango
ISBN: 1468926055
Category : Fiction
Languages : en
Pages : 608

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Book Description
Arlingston, a town in chaos, the streets are overrun by the gangs and the schools are controlled by the thugs. The law fails as the crime rate rockets and the drug abuse escalates. In a town torn apart by gang wars, where hope is just a word and danger is all around, this story follows a troubled outcast, a delinquent, stubborn womanising teenager called Luke Sanders who vows to turn his life around and help his friends stand up against the ruthless bullies and thugs that unleash terror and prey on the weak and the vulnerable. When Luke sees his friends suffer at the hands of the gangs, he sets out to fight back not only as himself but as a vigilante known as the Ranger taking on the underworld that delve in drugs, blackmail and murder. As the battle ignites, a mysterious crime lord emerges thrusting Luke and his friends into a world of anarchy. Yet the town of Arlingston finds that bit of hope in Luke Sanders, the Ranger, for the fight back against the armies of the night is set to begin...

Author: Neil H. Buchanan
Publisher: Carolina Academic Press
ISBN: 1611634423
Category : Law
Languages : en
Pages : 198

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Book Description
In 2011, the new Republican majority in the House of Representatives embarked on a radical and dangerous path, threatening to refuse to increase the limit on federal debt. This new Republican strategy threatened to bring about the first federal default in the history of the United States – a default that would be caused not by economic necessity, but by political opportunism. Because no one had ever threatened to force the federal government to default on its obligations, politicians and scholars found themselves in uncharted territory. Most commentary was superficial and ad hoc, failing to take seriously the profound legal and economic questions that the Republican strategy raised. Neil H. Buchanan, an economist and a tax law scholar, emerged as the only expert analyst who systematically engaged in depth with all of the issues surrounding the debt ceiling. This book brings together Professor Buchanan’s accessible and lively analysis of the debt ceiling disasters as they have unfolded since 2011. He also provides an overview of where we now stand. He explains why the debt ceiling forces the President to choose between nothing but illegal and unconstitutional options. He shows that the President must obey the spending and taxing laws rather than the debt ceiling law, that novel strategies such as minting platinum coins are both illegal and dangerous, and that the only way to stop the debt ceiling disasters from continuing into the future is for the President to take a constitutional stand today.

Author: Strike Debt
Publisher: PM Press
ISBN: 1604868961
Category : Political Science
Languages : en
Pages : 230

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Book Description
Over the last thirty years, as wages have stagnated across the country, average household debt has more than doubled. Increasingly, we are forced to take on debt to meet our needs—from housing, to education, to medical care. The results—wrecked lives, devastated communities, and an increasing reliance on credit to maintain our basic living standards—reveal an economic system that enriches the few at the expense of the many. The Debt Resisters’ Operations Manual is a handbook for debtors everywhere to understand how this system really works, while providing practical tools for fighting debt in its most exploitative forms. Inside, you’ll find detailed strategies, resources, and insider tips for dealing with some of the most common kinds of debt, including credit card debt, medical debt, student debt, and housing debt. The book also contains tactics for navigating the pitfalls of personal bankruptcy, and information to help protect yourself from credit reporting agencies, debt collectors, payday lenders, check cashing outlets, rent-to-own stores, and more. Written and edited by a network of activists, writers, and academics from Occupy Wall Street, additional chapters cover tax debt, sovereign debt, the relationship between debt and climate, and an expanded vision for a movement of mass debt resistance.

Author: Norman H. Perlmutter
Publisher: Cre-Debt Solutions, Inc.
ISBN: 9780972396325
Category : Consumer credit
Languages : en
Pages : 334

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Book Description

Author: Erica Alini
Publisher: Sristhi Publishers & Distributors
ISBN: 9395192348
Category : Self-Help
Languages : en
Pages : 132

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Book Description
Confused whether to buy a house or rent it? How to manage debts? Is it really essential to have a passive income source to aid wealth creation? MONEY LIKE YOU MEAN IT is a personal finance tool kit to help you manage finance in the real world. For the new age investors, who want to make the most of what they have, this is a treasure trove of information! - Smart tools to aid wealth generation and management - Learn the ins and outs of smart borrowing and debt management - Practical insurance advice and budgeting techniques - Hands-on insights into savings for retirement - Packed with recent and relevant examples

Author: Howard Karger
Publisher: Routledge
ISBN: 1351535625
Category : Social Science
Languages : en
Pages : 207

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Book Description
From its inception in the late nineteenth century, social work has struggled to carry out the complex, sometimes contradictory, functions associated with reducing suffering, enhancing social order, and social reform. Since then, social programs like the implementation of welfare and the expansion of the service economy-which should have augured well for American social work-instead led to a continued loss of credibility with the public and within the academy.A Dream Deferred chronicles this decline of social work, attributing it to the poor quality of professional education during the past half-century. The incongruity between social work's promise and its performance warrants a critical review of professional education. For the past half-century, the fortunes of social work have been controlled by the Council of Social Work Education, which oversees accreditation of the nation's schools of social work. Stoesz, Karger, and Carrilio argue that the lack of scholarship of the Board of Directors compromises this accreditation policy. Similarly, the quality of professional literature suffers from the weak scholarship of editors and referees. The caliber of deans and directors of social work educational programs is low and graduate students are ill-prepared to commence studies in social work. Further complicating this debate, the substitution of ideology for academic rigor makes social work vulnerable to its critics.The authors state that, since CSWE is unlikely to reform social work education, schools of social work should be free to obtain accreditation independently, and they propose criteria for independent accreditation. A Dream Deferred builds on the past, presents a bracing critique of the present, and proposes recommendations for a better future that cannot be ignored or dismissed.

Author: Malcolm Coxall
Publisher: Malcolm Coxall
ISBN: 8494178385
Category : Political Science
Languages : en
Pages : 670

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Book Description
Traditional democratic structures in the Western world are coming under increasing pressure. A combination of political corruption, voter apathy and attacks on the rights of the citizen are being driven by authoritarian tendencies not seen for generations. In turn, this is being stoked by an artificial climate of fear, choreographed as a narrative of external terrorist threats and war against yet another "evil empire". Much of the decision-making of government has been bought or hijacked by big business, whilst a whole generation of citizens has become increasingly cynical about the probity and ethics of their politicians. The current extent of public distrust and antagonism for the political elite is matched only by shocking levels of voter apathy throughout the democratic world. This situation has created an unhealthy and perilous disconnection between the electorate and the political classes. As in any evolving environment, this gap is being filled. In this case, the democratic deficit is being bypassed using various forms of civil rebellion as a substitute for a functioning parliamentary system. Nonviolent rebellion has a long history, but since the industrial revolution the use of organised civil disobedience has become increasingly widespread and refined. With the advent of the internet, civil rebellion itself has been totally revolutionised. The rules of the game have truly changed and control of "the truth" has, to some extent, finally been democratised. These days, the big beasts on the political landscape are no longer labour unions fighting a local cause, but global movements, representing hundreds of millions of activists across a borderless world. And their armoury is formidable. Even the smallest local protest group has been immensely empowered by recent technological change. Here we present a practical guide to civil rebellion, defining more than 300 separate ways in which citizens may effectively deliver a protest to an authority and the public, either alone or in a group. In comparison with the ballot box, civil disobedience seems a rough way of dealing with authority. But, in the absence of a functioning democracy, it is rapidly becoming the last resort of the citizen to defend their freedom from an increasingly reviled, dysfunctional and autocratic political establishment. This book is a practical guide. It is designed to help in the routine planning and organisation of peaceful protest. But the book also includes a history of civil rebellion and a moral and legal discussion of how civil disobedience may be used to achieve political objectives. This practical information is supported by a description of the best techniques for use in the strategic planning of protest actions and the management of protest organisations. Though based on a wealth of protest history, the emphasis of this book is on contemporary protest and it focuses especially on the impact of internet and communications technology on current protest campaigns. Politically, this guide pays particular attention to the techniques used by authorities to infiltrate and undermine legitimate civil protest movements and how these efforts can be detected and managed by a protest group. The book also provides practical advice on using similar subversive techniques against unscrupulous authorities. Above all, the objective of this guide is to facilitate responsible political activists in delivering powerful, effective, nonviolent protests to an authority and to do this in a way which positively reinforces the concepts of democracy and universal human rights. At a time when both democracy and human rights are threatened by the constant attacks by political opportunists, civil disobedience is beginning to move centre stage. Indeed, it seems to be rapidly becoming the only show in town for the aggrieved citizen of liberal persuasions in a world drowning in political corruption, popular apathy and short-sighted, populist political culture.