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   <channel>
      <title>Creditwrench</title>
      <description>Creditwrench teaches the secrets of the collections industry and how to defeat their abusive collection practices. Debt collectors are America&amp;#39;s most wanted criminals.</description>
      <link>http://pipes.yahoo.com/pipes/pipe.info?_id=4N2Dc3a_2xGocdX2l7okhQ</link>
      <atom:link rel="next" href="http://pipes.yahoo.com/pipes/pipe.run?_id=4N2Dc3a_2xGocdX2l7okhQ&amp;_render=rss&amp;page=2"/>
      <pubDate>Mon, 20 Feb 2012 10:21:11 +0000</pubDate>
      <generator>http://pipes.yahoo.com/pipes/</generator>
      <item>
         <title>Learn How to Create eBooks for the iPad with this O’Reilly eBook</title>
         <link>http://www.labnol.org/software/create-ebooks-for-ipad/20841/</link>
         <description>A new OReilly ebook discusses tips and tricks to help you create eBooks for the iPad using the free iBooks Author app for Mac.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20841</guid>
         <pubDate>Wed, 15 Feb 2012 21:02:45 +0000</pubDate>
         <content:encoded><![CDATA[<p>Apple’s <a rel="nofollow" target="_blank" href="http://blogs.wsj.com/indiarealtime/2012/01/26/tech-journal-ibooks-author-the-pros-and-cons/">iBooks Author</a> is a free software program that lets you create eBooks with minimal effort. You can either publish your eBooks as standard PDFs, that can be read anywhere, or export them in the iBook format that can also be distributed through Apple’s iBookstore. <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/create-ebooks-for-ipad/20841/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20841"/></a></p><p><img alt="ibooks author" align="right" src="http://img.labnol.org/di/ibooks_author.png" width="175" height="175"/>iBooks Author, as this <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/create-ebooks-for-ipad/20841/ #video">video demo</a> suggests, is like a <a rel="nofollow" title="iBooks Author - Window" target="_blank" href="http://img.labnol.org/di/ipad_ebooks.jpg">WYSIWYG editor</a> for eBooks. It is nowhere as complex as some of other book authoring programs (for example, Adobe Indesign) and yet you get nice professional-looking eBooks that may also have an element of interactivity.</p><p>The downside is that Apple has developed iBooks Author exclusively for the <a rel="nofollow" target="_blank" href="http://itunes.apple.com/us/app/ibooks-author/id490152466?mt=12">Mac platform</a> and second, eBooks created using this authoring tool can only be sold through the iBookstore. You are allowed your give away your eBook as free PDFs but you cannot sell them outside the iTunes store.</p><p>If you are fine with the various restrictions of Apple and are looking for some help to get started with iBooks Author, here’s brand new title from O’Reilly Media – <a rel="nofollow" target="_blank" href="http://shop.oreilly.com/product/0636920025597.do">Publishing with iBooks Author</a> – that should definitely interest you.</p><p>This 94-page eBook, authored by Adam Witwer and Nellie McKesson of O’Reilly, discusses every single feature of the iBook Author app but my favorite parts are the little tips and common pitfalls that you are less likely to find in the official help manual. For instance:</p><blockquote><p>1. You can ditch the Media Widget and just drag and drop an audio or video file right from Finder or the Media Browser onto a blank spot in your book, but the end result is the same.</p><p>2. If you managed to get Author working on Mac OS X Snow Leopard or earlier, you don’t get to play with the 3D chart options. These depend on the Scene Kit framework, available in OS X Lion. It may seem like you can add one, but Author slows to a crawl and your chart just looks like a garbled mess.</p></blockquote><p>The eBook is available as a free download on the O’Reilly website and you can have it in either PDF, ePUB or MOBI formats depending on where you want to read that book.</p><h2 id="video">Publishing eBooks with iBooks Author – Apple Demo</h2><div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=b-WsMzOwmhI">http://www.youtube.com/watch?v=b-WsMzOwmhI</a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=b-WsMzOwmhI"><img src="http://img.youtube.com/vi/b-WsMzOwmhI/default.jpg" width="130" height="97" border="0"></a></p></div><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=Learn+How+to+Create+eBooks+for+the+iPad+with+this+O%26rsquo%3BReilly+eBook&url=http%3A%2F%2Fwww.labnol.org%2Fsoftware%2Fcreate-ebooks-for-ipad%2F20841%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/software/create-ebooks-for-ipad/20841/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/create-ebooks-for-ipad/20841/">Learn How to Create eBooks for the iPad with this O&rsquo;Reilly eBook</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">15/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/ebook/'>Ebook</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/ibooks/'>Ibooks</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/mac/'>Mac</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/software/'>Software</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20841&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20841&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/write-epub-ebooks-online/11273/">Write Your Own eBooks in the Browser with Acrobat.com</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/tech/create-ipad-magazine-with-indesign/14070/">Create Magazines for the iPad with InDesign CS5</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/pirated-ebook-websites/12620/">List of Websites That Host Pirated eBooks</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/read-pdf-with-ibooks/13882/">Read PDF Files on your iPhone /iPad with iBooks</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/online-ebook-stores-compare/17507/">Comparing the Size of Online eBook Stores</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/iFkYJtSHRitsAZkF5aHfvmzyhCY/0/da"><img src="http://feedads.g.doubleclick.net/~a/iFkYJtSHRitsAZkF5aHfvmzyhCY/0/di" border="0" ismap></a><br/>
<a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/iFkYJtSHRitsAZkF5aHfvmzyhCY/1/da"><img src="http://feedads.g.doubleclick.net/~a/iFkYJtSHRitsAZkF5aHfvmzyhCY/1/di" border="0" ismap></a></p>]]></content:encoded>
         <media:content type="image/png" url="http://img.labnol.org/di/ibooks_author1-50x50.png" xmlns:media="http://search.yahoo.com/mrss/"/>
      </item>
      <item>
         <title>All the Google Search Tips in one Video</title>
         <link>http://www.labnol.org/internet/google-search-tips-video/20837/</link>
         <description>The search team at Google has created a short video that puts all the useful stuff you can do on Google.com, plus some search tricks, in one place.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20837</guid>
         <pubDate>Wed, 15 Feb 2012 19:19:40 +0000</pubDate>
         <content:encoded><![CDATA[<div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=y3ao7QXMhC4">http://www.youtube.com/watch?v=y3ao7QXMhC4</a> <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/google-search-tips-video/20837/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20837"/></a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=y3ao7QXMhC4"><img src="http://img.youtube.com/vi/y3ao7QXMhC4/default.jpg" width="130" height="97" border="0"></a></p></div><p>The search team at Google has created a short video that puts all the useful stuff you can do on Google.com, plus some related search tips and tricks, in one place.</p><p>If you are a “power” Google user, you may not find anything new in this video but for the rest of us, this is a good recap of the kind of searches you can perform at Google.com.</p><p>And I just learned that you can drag images from the desktop and drop them on to the Google Images website and it will find&#160; similar images on the Internet – that’s much faster than using the “Browse” button.</p><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=All+the+Google+Search+Tips+in+one+Video&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Fgoogle-search-tips-video%2F20837%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/google-search-tips-video/20837/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/google-search-tips-video/20837/">All the Google Search Tips in one Video</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">15/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/google/'>Google</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20837&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20837&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/pictures/browse-images-google-face-search-itunes-cover-flow/3463/">Browse Images From Google Face Search Using Cover Flow Interface</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/search/yahoo-search-rss-feeds-images-video/4359/">Yahoo! RSS Feeds Available for Web Search, Images &amp; Video Search</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/google-desktop-search-improves-performance/4544/">New Google Desktop Search with Improved Performance</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/video/will-google-acquire-blinkx-video-search/3235/">Will Google Acquire Blinkx Video Search ?</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/video-preview-in-google/19377/">Video Previews in Google Search</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/zdHkaq-tAsw4Ojy2MjUxnlVe6wg/0/da"><img src="http://feedads.g.doubleclick.net/~a/zdHkaq-tAsw4Ojy2MjUxnlVe6wg/0/di" border="0" ismap></a><br/>
<a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/zdHkaq-tAsw4Ojy2MjUxnlVe6wg/1/da"><img src="http://feedads.g.doubleclick.net/~a/zdHkaq-tAsw4Ojy2MjUxnlVe6wg/1/di" border="0" ismap></a></p>]]></content:encoded>
         <media:content type="image/png" url="http://img.labnol.org/di/099-50x50.jpg" xmlns:media="http://search.yahoo.com/mrss/"/>
      </item>
      <item>
         <title>Subscribe to Techmeme Tech Events in your Calendar</title>
         <link>http://www.labnol.org/internet/techmeme-tech-events-in-calendar/20833/</link>
         <description>The Techmeme Tech Events page includes upcoming events around new product launches, conferences, earnings calls with investors, and more. You can add these events to your calendar as well.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20833</guid>
         <pubDate>Tue, 14 Feb 2012 14:29:26 +0000</pubDate>
         <content:encoded><![CDATA[<p><img src="http://img.labnol.org/di/tech_events.jpg" alt="" title="Tech Events" width="575" height="385" class="aligncenter size-full wp-image-20835"/><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/techmeme-tech-events-in-calendar/20833/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20833"/> </a></p><p>Techmeme recently added an events section to their website – see <a rel="nofollow" title="http://www.techmeme.com/#events" target="_blank" href="http://www.techmeme.com/#events">techmeme.com/#events</a>&#160; &#8211; that lists upcoming (and newsworthy) events focused on the tech industry. It’s a pretty useful list, curated by Techmeme editors, and includes tech events around new product launches, upcoming conferences, earnings calls of tech companies, webcasts, and related events.</p><p>The <a rel="nofollow" target="_blank" href="http://news.techmeme.com/120208/events">Techmeme blog</a> has more details on how event organizers can get their own event listed on Techmeme. If you are organizing a Tedx or a BarCamp in your city, Techmeme may not find that very interesting but if you are doing a WordCamp that people like Matt {Cutts|Mullenweg} are attending, your event will probably make it to the Techmeme events page.</p><h2>Subscribe to Techmeme Events in your Calendar</h2><p>The Techmeme Events page currently doesn’t offer an ICAL / ICS feed so it is difficult to keep track of upcoming tech events in your Microsoft Outlook, Apple iCal or Google Calendar. There’s however a little workaround.</p><div class="shortcode clearfix box light-green"><a rel="nofollow" target="_blank" href="https://www.google.com/calendar/b/0/render?cid=http://digitalinspiration.com/tools/techmeme/events">Add to Google Calendar</a> | <a rel="nofollow">Add to Outlook Calendar</a> | <a rel="nofollow" target="_blank" href="http://digitalinspiration.com/tools/techmeme/events">Subscribe in any Calendar</a></div><p>You can use either of the above links to add Techmeme events directly to your web / desktop calendar. These are standard ICS files that should be compatible with most calendar application across all platforms.</p><p>Thus, if Apple is scheduling an event during the first week of March, it should automatically pop-up in your calendar courtesy Techmeme. [Picture Credits: <a rel="nofollow" target="_blank" href="http://www.wired.com/gadgetlab/2012/01/nokia-microsoft-lumia/">Wired</a>]<h3>The Source Code</h3><p>The above ICAL/ICS files for Techmeme are generated with the help of some PHP and web scraping. The script basically downloads the Techmeme events page, extracts all the event related DIVs and formats everything in the iCalendar format. Should you be interested in enhancing / modifying the script, here’s the full source code:</p><pre class="brush:php">
&lt;?php
$url  = &quot;http://www.techmeme.com/events&quot;;
$day  = date(&quot;Ymd&quot;);
$file = 'techmeme.' . $day;
$feed = 'calendar.ics';

//Grab the Techmeme Events page once per day
if (!file_exists($file) || !file_exists($feed)) {
 $html = file_get_contents($url);
 $fp   = fopen($file, 'w');
 fwrite($fp, $html);
 fclose($fp);

//Declare header for Google Calendar
$header = &quot;BEGIN:VCALENDAR
 VERSION:2.0
 PRODID:-//Techmeme//Events v1.0//EN
 CALSCALE:GREGORIAN
 METHOD:PUBLISH
 X-WR-CALNAME:Techmeme Events
 X-WR-TIMEZONE:UTC
 X-WR-CALDESC:Upcoming Tech Events curated by Techmeme&quot;;

$events = &quot;&quot;;
$next   = false;
$year   = date(&quot;Y&quot;);
$html   = file($file);

//XPath for Event DIVs
foreach ($html as $line) {
 if(preg_match('/&lt;div class=&quot;rhov&quot;&gt;
       &lt;a href=&quot;&#92;/goto&#92;/(.*?)&quot;&gt;&lt;div&gt;
       (.*?)&lt;&#92;/div&gt;&lt;div&gt;(.*?)&lt;&#92;/div&gt;&lt;div&gt;
       (.*?)&lt;&#92;/div&gt;&lt;&#92;/a&gt;&lt;&#92;/div&gt;/',$line, $match)) {
  $eventURL   = &quot;http://&quot; . $match[1];
  $eventDt  = $match[2];
  if(preg_match('/(.*)?-(.*)/', $eventDt, $date)) {
    $eventDt = $date[1];
  }

  $eventTitle = $match[3];
  $eventVenue = $match[4];
  $month = substr($eventDt, 0, 3);

  //Advance the year after December
  if ($month == &quot;Dec&quot;)
   $next = true;

  if ($next &amp;&amp; $month != &quot;Dec&quot;)
   $eventDt .= &quot; &quot; . (date(&quot;Y&quot;) + 1);

 //Write an All-Day event to the Calendar
  $events .= &quot;&#92;n&quot; . &quot;BEGIN:VEVENT&quot;;
  $events .= &quot;&#92;n&quot; . &quot;DTSTART;VALUE=DATE:&quot;
           . gmdate(&quot;Ymd&quot;, strtotime($eventDt));
  $events .= &quot;&#92;n&quot; . &quot;DTEND;VALUE=DATE:&quot;
           . gmdate(&quot;Ymd&quot;, strtotime($eventDt . &quot; +1 day&quot;));
  $events .= &quot;&#92;n&quot; . &quot;SUMMARY:&quot; . $eventTitle;
  $events .= &quot;&#92;n&quot; . &quot;DESCRIPTION:&quot; . $eventTitle
           . &quot; &quot; .  $eventURL;
  $events .= &quot;&#92;n&quot; . &quot;UID:&quot; . strtolower(ereg_replace
             (&quot;[^A-Za-z0-9]&quot;, &quot;&quot;,
             $eventTitle . $eventVenue . $eventDt)) .
             &quot;@calendar.techmeme.com&quot;;

  if ($eventVenue != &quot;&quot;)
   $events .= &quot;&#92;n&quot; . &quot;LOCATION:&quot; . $eventVenue;

  $events .= &quot;&#92;n&quot; . &quot;END:VEVENT&quot;;
  }
 }

$header .= $events . &quot;&#92;nEND:VCALENDAR&quot;;
$fmeme   = fopen($feed, &quot;w&quot;);

//Save the Parsed Events to a physical file
fwrite($fmeme, $header);
fclose($fmeme);
}

//Echo the Calendar .ICS file
header(&quot;Content-type: text/calendar; charset=utf-8&quot;);
header(&quot;Content-Disposition: inline; filename=$feed&quot;);
echo file_get_contents(&quot;$feed&quot;);
?&gt;
</pre><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=Subscribe+to+Techmeme+Tech+Events+in+your+Calendar&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Ftechmeme-tech-events-in-calendar%2F20833%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/techmeme-tech-events-in-calendar/20833/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/techmeme-tech-events-in-calendar/20833/">Subscribe to Techmeme Tech Events in your Calendar</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">14/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/techmeme/'>Techmeme</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20833&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20833&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/tech/how-techmeme-works/12852/">How Techmeme Works?</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/desktop-reminders-in-google-calendar/13016/">Pop-up Reminders in Google Calendar</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/search/create-techmeme-search-rss-feeds-email-alerts/3389/">Subscribe to RSS Feeds for Techmeme Search Results</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/email/send-email-yourself-future-delivery/2006/">Send Yourself an Email in the Future Using Google Calendar</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/organize/prevent-google-calendar-spam-inserting-new-events/2900/">How Spammers Insert Events In Your Google Calendar? Fix Is Easy</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/LaqAUGM9_SyeVegHawD7UCpUy8M/0/da"><img src="http://feedads.g.doubleclick.net/~a/LaqAUGM9_SyeVegHawD7UCpUy8M/0/di" border="0" ismap></a><br/>
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         <title>Use Email to Convert Files into Different Formats</title>
         <link>http://www.labnol.org/internet/convert-files-by-email/20824/</link>
         <description>Learn how you can use your email program to quickly convert files into different formats. The file conversion is almost instant and works even on a mobile phone.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20824</guid>
         <pubDate>Fri, 10 Feb 2012 18:18:31 +0000</pubDate>
         <content:encoded><![CDATA[<p>There exist quite a few online services that let you <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/how-to-convert-files/19523/">convert files</a> from one format to another. You upload the source file, specify the output format and within seconds, the converted file in the desired format becomes available for download. That’s easy but there are somes limitations with this approach: <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/convert-files-by-email/20824/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20824"/></a></p><ol><li>When you want to convert a file, you have to upload it to the file conversion service. This is not an issue when you are converting files from the desktop but how do you upload files from iPhone, Android or any other mobile browser.</li><li>Sometimes clients will send you files in <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/unknown-file-extensions/20568/">obscure formats</a> as email attachments. In order to convert those files in a format that your apps can understand, you will download the attachments to your desktop and then upload them to the file conversion service. That’s work.</li></ol><p>Zamzar, a popular tool for converting files online, has added a new option that lets you convert files by email itself. You can forward your email attachments directly to Zamzar, without downloading them to the desktop, and they’ll be converted in no time.</p><p><img alt="convert files by email" src="http://img.labnol.org/di/convert_files_by_email.png" width="575" height="225"/></p><h2>Convert Email attachment into Different File Formats</h2><p>To get started, you need to forward the input (source) files to a specific email address like <a rel="nofollow" target="_blank" href="mailto:format@zamzar.com"><em>format</em>@zamzar.com</a> where <em>format </em>represents the file type of the desired output format.</p><p>For instance, if you have a Word document that you want to convert to PDF, you can send the file as an email attachment to <a rel="nofollow" target="_blank" href="mailto:pdf@zamzar.com">pdf@zamzar.com</a>. If you have a PDF file that you want to convert into an ebook, the corresponding conversion address would be <a rel="nofollow" target="_blank" href="mailto:epub@zamzar.com">epub@zamzar.com</a> or <a rel="nofollow" target="_blank" href="mailto:mobi@zamzar.com">mobi@zamzar.com</a> depending on your ebook reader.</p><p>Here’s a <a rel="nofollow" target="_blank" href="http://www.zamzar.com/conversionTypes.php">complete list</a> of input-output file formats that are currently supported by Zamzar. You can convert documents, presentations, ebooks, videos, audio files, archives and more.</p><p>In my test, the converted files were delivered quickly and the quality of the converted files was impressive. There’s no need to create any account at Zamzar and you can convert files up to 1 MB in a single batch. You may go for a pro account to convert bigger files that starts from $7 per month.</p><p>One more thing. You can only upload files by email and initiate the conversion process but you’ll still have to visit the Zamzar website to download the converted file. It stays on Zamzar servers for about a day and their <a rel="nofollow" title="Download Converted Files - Zamzar" target="_blank" href="http://img.labnol.org/files/zamzar-mobile.png">download page</a> is actually very confusing when accessed on a mobile phone.</p><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=Use+Email+to+Convert+Files+into+Different+Formats&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Fconvert-files-by-email%2F20824%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/convert-files-by-email/20824/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/convert-files-by-email/20824/">Use Email to Convert Files into Different Formats</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">10/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/convert/'>Convert</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/email/'>Email</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20824&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20824&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/convert-pdf-to-html-web-pages-with-quickpdf/4668/">Convert PDF Files to HTML Web Pages with Quick PDF &#8211; For Windows Only</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/email/convert-file-formats-online-email-attachments-pdf-docx-mp3/2236/">Email Based File Conversion for PDF, DOC, DOCX and MP3</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/office/convert-microsoft-office-documents-to-pdf-files/554/">Convert Microsoft Office Documents to PDF Files</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/gadgets/convert-read-pdf-files-on-amazon-kindle/4016/">Convert &amp; Read Adobe PDF Files on Amazon Kindle</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/tutorials/convert-zip-files-from-one-format-to-another/1612/">Email Attachment is in a Different ZIP Format ? Convert It Online</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/2vxqxbpJm597dwSCJ_pJvHMuAGU/0/da"><img src="http://feedads.g.doubleclick.net/~a/2vxqxbpJm597dwSCJ_pJvHMuAGU/0/di" border="0" ismap></a><br/>
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         <title>Create Collages with your Facebook Photos</title>
         <link>http://www.labnol.org/internet/pictures/facebook-friends-digital-photo-collage-poster/1558/</link>
         <description>Create beautiful photo collages with your own Facebook photo albums or using pictures of your friends.</description>
         <guid isPermaLink="false">http://www.labnol.org/internet/pictures/facebook-friends-digital-photo-collagehtml/1558/</guid>
         <pubDate>Fri, 10 Feb 2012 17:00:46 +0000</pubDate>
         <content:encoded><![CDATA[<p><a rel="nofollow" target="_blank" href="https://www.facebook.com/photo.php?fbid=10150564150963183"><img class="aligncenter size-full wp-image-20826" alt="facebook photo collage" src="http://img.labnol.org/di/facebook_collage.jpg" width="575" height="575"/></a><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/pictures/facebook-friends-digital-photo-collage-poster/1558/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=1558"/> </a></p><p>The team behind Shape Collage, a popular <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/create-high-resolution-picture-collages-posters/7426/">photo collage software</a>, have launched <a rel="nofollow" title="http://www.getloupe.com/" target="_blank" href="http://www.getloupe.com/create">Loupe</a>, an online tool that will help you create collages using Facebook photos.</p><p>You can either use your own photo albums and turn them into collages or the app can also pull photos from the albums of your Facebook friends that are visible to you.</p><p>It takes just a few steps to build your first collage. Authorize the app to access your Facebook account, then select any of your photo albums (or that of your friends), choose a shape and your collage is ready. Hit the Share button to save that collage to your Facebook account or grab the permalink to share it by email.</p><p>The collages look impressive and if you don’t like the default layout, you can always move or delete any of the pictures on the pile. Here’s a quick video that shows how you can turn Facebook albums into collages.</p><p><div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=n9M3S1LMlx0">http://www.youtube.com/watch?v=n9M3S1LMlx0</a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=n9M3S1LMlx0"><img src="http://img.youtube.com/vi/n9M3S1LMlx0/default.jpg" width="130" height="97" border="0"></a></p></div><p>The drawback though is the resolution. Loupe generates a relatively small image of your collage that will probably look good only on a mobile screen. Shape Collage says that will be introducing higher resolution images in the future.</p><h2>Photo Collages and Facebook Privacy</h2><p>Any photo collage that you create with Loupe is public and currently there’s no option to change the visibility to private. Thus, if you have any private photos on Facebook that you don’t want the world to see, it may not be a good idea to turn them into collages because others may then find them through search engines.</p><p>Also see: <a rel="nofollow" target="_blank" href="http://labnol.blogspot.com/2006/09/photo-collage-maker-software-free.html">Create Picture Collage in Picasa</a></p><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=Create+Collages+with+your+Facebook+Photos&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Fpictures%2Ffacebook-friends-digital-photo-collage-poster%2F1558%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/pictures/facebook-friends-digital-photo-collage-poster/1558/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/pictures/facebook-friends-digital-photo-collage-poster/1558/">Create Collages with your Facebook Photos</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">10/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/facebook/'>Facebook</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/pictures/'>Photo Sharing</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=1558&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=1558&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/favorites/make-twitter-background-from-facebook-photos/3861/">A Twitter Background Made Using Photos of Facebook Friends</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/facebook-photo-albums-visible/13546/">Know If Strangers Can See Your Facebook Photos</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/make-photo-collages-with-microsoft-autocollage/4398/">Make Beautiful Photo Collages from your Pictures with Microsoft AutoCollage</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/pdf-slideshow-with-photos/13917/">Build a PDF Slideshow with your Facebook Photos</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/create-high-resolution-picture-collages-posters/7426/">Create High Resolution Picture Collages &amp; Posters in Seconds</a></li></ol></div> 
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         <title>How to Permanently Delete your Mac Files</title>
         <link>http://www.labnol.org/software/delete-mac-files-permanently/20822/</link>
         <description>Emptying the trash is not enough. Learn how you can permanently erase the deleted files from your Mac hard disk.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20822</guid>
         <pubDate>Fri, 10 Feb 2012 16:39:30 +0000</pubDate>
         <content:encoded><![CDATA[<p><div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=zDxR5_qpUiM">http://www.youtube.com/watch?v=zDxR5_qpUiM</a> <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/delete-mac-files-permanently/20822/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20822"/></a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=zDxR5_qpUiM"><img src="http://img.youtube.com/vi/zDxR5_qpUiM/default.jpg" width="130" height="97" border="0"></a></p></div><p>When you delete a file on your Mac, it goes to the trash. You empty the trash thinking that all traces of your private files are now completely erased from the Mac’s hard disk but that may not be the case.</p><p>Files deleted from the trash in this manner can still be recovered unless the sectors are overwritten by other files. There’s an easy way though. If you would like to permanently remove your deleted files, just remember to use the “secure” option while emptying the trash.</p><p>Here’s how. Click and hold the trash icon on your Mac desktop and it will display the “Empty Trash” option. Now press the Command button and the <em>Empty Trash</em> option will change to <em>Secure Empty Trash</em>. Select it and the trashed files will be gone forever.</p><p>The concept is similar in Windows though there’s no built-in option in Windows to permanently delete “deleted” files. You can however make use of the free <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/permanently-delete-computer-files/6076/">SDelete utility</a> to ensure that deleted files cannot be recovered again.</p><p>Emptying the trash, or the recycle bin in Windows, is not enough.</p><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=How+to+Permanently+Delete+your+Mac+Files&url=http%3A%2F%2Fwww.labnol.org%2Fsoftware%2Fdelete-mac-files-permanently%2F20822%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/software/delete-mac-files-permanently/20822/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/delete-mac-files-permanently/20822/">How to Permanently Delete your Mac Files</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">10/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/mac/'>Mac</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/software/'>Software</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20822&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20822&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/download/delete-unused-files-with-auto-delete/5513/">Delete Unused Files with Auto Delete</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/open-outlook-msg-files-on-mac/9804/">How to Open Outlook .MSG Files on a Mac</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/tech/print-files-on-remote-mac/17838/">Print Files on an Remote Mac via Dropbox</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/permanently-delete-computer-files/6076/">Delete Files Permanently from your Computer</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/permanent-delete-dropbox-files/19212/">How to Permanently Delete Files from Dropbox</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/7hSP_OvU2_zCd0mfZc39P6PynZ8/0/da"><img src="http://feedads.g.doubleclick.net/~a/7hSP_OvU2_zCd0mfZc39P6PynZ8/0/di" border="0" ismap></a><br/>
<a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/7hSP_OvU2_zCd0mfZc39P6PynZ8/1/da"><img src="http://feedads.g.doubleclick.net/~a/7hSP_OvU2_zCd0mfZc39P6PynZ8/1/di" border="0" ismap></a></p>]]></content:encoded>
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         <title>The New Amazon Kindle Ad Targets the iPad</title>
         <link>http://www.labnol.org/internet/ipad-vs-kindle-in-sunlight/20819/</link>
         <description>It is impossible to read books on your iPad in sunlight and the new video ad for Amazon Kindle again targets that flaw of the iPad, again.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20819</guid>
         <pubDate>Fri, 10 Feb 2012 13:36:49 +0000</pubDate>
         <content:encoded><![CDATA[<p><div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=sulfQHdvyEs">http://www.youtube.com/watch?v=sulfQHdvyEs</a> <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/ipad-vs-kindle-in-sunlight/20819/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20819"/></a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=sulfQHdvyEs"><img src="http://img.youtube.com/vi/sulfQHdvyEs/default.jpg" width="130" height="97" border="0"></a></p></div><p>Amazon has released a new video commercial for the $79 Kindle that targets the one flaw (or limitation) of the iPad – it is nearly impossible to read books on your iPad while you are out in the sun because of the reflective glass screen.</p><p>The other point that Amazon is trying to highlight in the video is that Kindle is more value for money &#8211; you can get a bundle of two Kindle Fire units and one Kindle 5 unit for less than the price of an iPad.</p><p>Here’s the <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/ipad-vs-kindle-in-sunlight/20819/#kindle">original Kindle ad</a> that Amazon released about an year ago. It uses the same setting – a girl sunbathing near the pool and reading on her Kindle – and they have even hired the same actress &#8211; <a rel="nofollow" target="_blank" href="http://www.imdb.com/name/nm1267470/">Anna Zielinski</a> – to do <a rel="nofollow" target="_blank" href="http://whoisthathotadgirl.tumblr.com/tagged/kindle">the sequel</a>.</p><p>On a related note, I have an iPad 2 and the new Kindle 5 (<a rel="nofollow" target="_blank" href="http://www.labnol.org/setup/">see setup</a>) and I almost always prefer reading long form content on the Kindle. The iPad is good for flipping through PDFs or for watching multimedia content but Kindle is much better for reading text whether you are indoors or outside in direct sunlight.</p><h2 id="kindle">The Kindle &#8220;Pool&#8221; Ad [Original]</h2><p><div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=aVE0zzLZtV8">http://www.youtube.com/watch?v=aVE0zzLZtV8</a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=aVE0zzLZtV8"><img src="http://img.youtube.com/vi/aVE0zzLZtV8/default.jpg" width="130" height="97" border="0"></a></p></div><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=The+New+Amazon+Kindle+Ad+Targets+the+iPad&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Fipad-vs-kindle-in-sunlight%2F20819%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/ipad-vs-kindle-in-sunlight/20819/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/ipad-vs-kindle-in-sunlight/20819/">The New Amazon Kindle Ad Targets the iPad</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">10/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/kindle/'>Amazon Kindle</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/ipad/'>IPad</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20819&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20819&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/gadgets/computers/compare-amazon-kindle-with-sony-ebook-reader/1888/">Sony Reader or Amazon Kindle &#8211; What Would You Pick</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/gadgets/buy-amazon-kindle-books-magazines-outside-us/4022/">Buy Books for Kindle from Amazon Store without a US Billing Address</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/gadgets/computers/amazon-kindle-ebook-reader-video-demo/1810/">Video Demo of Amazon Kindle Book Reader</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/gadgets/kindle-fire-vs-ipad/20445/">Amazon Chart Compares Kindle Fire with the iPad</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/tech/kindle-app-for-ipad/13239/">The Kindle App for iPad</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/fuMDpLjAaWkpAgIYHgQar0z73hk/0/da"><img src="http://feedads.g.doubleclick.net/~a/fuMDpLjAaWkpAgIYHgQar0z73hk/0/di" border="0" ismap></a><br/>
<a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/fuMDpLjAaWkpAgIYHgQar0z73hk/1/da"><img src="http://feedads.g.doubleclick.net/~a/fuMDpLjAaWkpAgIYHgQar0z73hk/1/di" border="0" ismap></a></p>]]></content:encoded>
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         <title>This Valentine, Send your Loved One a Google Search Query</title>
         <link>http://www.labnol.org/internet/google-heart-equation/20815/</link>
         <description>Google will render a heart shape for this Math equation that you can pass to your Valentine.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=20815</guid>
         <pubDate>Fri, 10 Feb 2012 07:49:11 +0000</pubDate>
         <content:encoded><![CDATA[<p><img alt="Google Love Equation" src="http://img.labnol.org/di/google_LOVE.png" width="575" height="302"/><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/google-heart-equation/20815/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=20815"/> </a></p><p>This Valentine’s day, try sending your geeky loved one a <a rel="nofollow" target="_blank" href="https://www.google.com/search?q=sqrt%28cos%28x%29%29*cos%28300x%29%2Bsqrt%28abs%28x%29%29-0.7%29*%284-x*x%29^0.01,+sqrt%286-x^2%29,+-sqrt%286-x^2%29+from+-4.5+to+4.5">Google search query</a> instead of an e-greeting and they may like the little surprise that’s in store for them.</p><h2>The Heart Equation for Google</h2><p>When you put any Math equation in Google, it will try to plot of a graph of that equation just like your scientific calculation. And one such equation, listed below, renders a heart curve that you can pass on to your Valentine.</p><p>To give it a try, just copy-paste the following query in Google. Thanks <a rel="nofollow" target="_blank" href="http://www.suhelbanerjee.com/2012/02/google-love.html">Suhel</a>.</p><pre>sqrt(cos(x))*cos(300x)+sqrt(abs(x))-0.7)*(4-x*x)^0.01,
  sqrt(6-x^2), -sqrt(6-x^2) from -4.5 to 4.5</pre><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=This+Valentine%2C+Send+your+Loved+One+a+Google+Search+Query&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Fgoogle-heart-equation%2F20815%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/google-heart-equation/20815/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/google-heart-equation/20815/">This Valentine, Send your Loved One a Google Search Query</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">10/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/google/'>Google</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20815&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=20815&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/search/google-blog-search-reads-web-page-links/5166/">Google Blog Search Now Reads Links on Web Pages</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/search-keywords-that-bring-traffic-to-google/4005/">What Search Keywords Bring Traffic to Google.com?</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/favorites/most-popular-search-query-words-free/651/">Most Popular Search Query Words &#8211; Free</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/search/google-query-uses-1000-machines/7433/">Single Google Query uses 1000 Machines in 0.2 seconds</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/0kLb-7tHc3N5KDJ9MxLQyKctaFk/0/da"><img src="http://feedads.g.doubleclick.net/~a/0kLb-7tHc3N5KDJ9MxLQyKctaFk/0/di" border="0" ismap></a><br/>
<a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/0kLb-7tHc3N5KDJ9MxLQyKctaFk/1/da"><img src="http://feedads.g.doubleclick.net/~a/0kLb-7tHc3N5KDJ9MxLQyKctaFk/1/di" border="0" ismap></a></p>]]></content:encoded>
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         <title>WordPress Plugins that Power Digital Inspiration</title>
         <link>http://www.labnol.org/software/must-have-wordpress-plugins/14034/</link>
         <description>This is a list of the best WordPress plugins that will add more functionality to your WordPress blog and they are all free.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=14034</guid>
         <pubDate>Wed, 08 Feb 2012 15:00:00 +0000</pubDate>
         <content:encoded><![CDATA[<p><img alt="WordPress Plugins" align="right" src="http://img.labnol.org/di/wordpress_plugins.jpg" width="193" height="80"/>As some of you may know, this <a rel="nofollow" target="_blank" href="http://www.labnol.org/">tech blog</a> and my <a rel="nofollow" target="_blank" href="http://digitalinspiration.com/">personal blog</a> are both powered by WordPress software. What follows is a complete list of WordPress plugins that work behind the scenes to add new functionality to these sites that’s otherwise not available in the vanilla version of WordPress.org. <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/must-have-wordpress-plugins/14034/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=14034"/></a></p><p>These are all free and open-source plugins and you can find them in the WordPress plugin repository.</p><h2>The Best WordPress Plugins for your Website</h2><p>1. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/search-regex/">Search Regex</a> – This adds extremely powerful search and replace capabilities to your blog. You can find and replace almost any kind of data stored on your WordPress site including post titles, excerpts, comments, and meta data. It even supports regular expressions.</p><p>2. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/redirection/">Redirection</a> – If the URL of an existing post has changed or if an external site is linking to a non-existent page on my site, I can create redirection rules and automatically forward all the incoming traffic to the right pages.</p><p>3. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/bing-404/">Bing 404</a> – If someone lands on a <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/track-404-error-pages/13509/">404 page</a> for which redirection is not yet enabled, this plug-in will display links to relevant article on the error page. For example, a 404 page like <em>labnol.org/googledocs</em> will have links to my Google Docs articles.</p><p>4. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wordpress-seo/">WordPress SEO</a> – This is probably the only SEO plugin you need for your WordPress blog. It helps you create better titles, you can block duplicate pages (like archive pages) from search bots, and it also adds the necessary meta tags required for more search-friendly Google snippets.</p><p>5. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/hyper-cache/">Hyper Cache</a> – This is a caching plug-in for WordPress that will help reduce the load on your web server by saving pages as static HTML files. WP Total Cache is another popular caching plugin though I prefer Hyper Cache for its simplicity.</p><p>6. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wp-facebook-open-graph-protocol/">FB Open Graph</a> – This plugin will insert the necessary Open Graph meta tags to your blog’s header so that you blog posts look good and have the right snippets when they are shared on Facebook or Google Plus.</p><p>7. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/http-404-email-notifier/">404 Email Notifier</a> – This sends you an email notification as soon as a visitor lands on a 404 page on your WordPress website. The email messages have details about the visitor’s IP address, what browser they are using and the referral URL that led him to that broken link.</p><p>8. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/slideshare/">SlideShare</a> – This helps you easily embed SlideShare <a rel="nofollow" target="_blank" href="http://www.labnol.org/tag/presentations/">presentations</a> in blog posts with the help of short codes – <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/visual-resume/13327/">see samples</a>.</p><p>9. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/smart-youtube/">Smart YouTube</a> – This lets you embed <a rel="nofollow" target="_blank" href="http://www.labnol.org/tag/video/">YouTube videos</a> in blog posts using standing video URLs and the embedded player can be customized. It adds a thumbnail of the embedded video in the RSS feed and the same plug-in can also be used to embed videos from Facebook and Vimeo.</p><p>10. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/yet-another-related-posts-plugin/">YARRP</a> – The related posts plug-in adds links to old stories that may be contextually related to the content of the current story. It also helps expose your archived content to search bots.</p><p>11. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wp-optimize/">WP Optimize</a> – Use the WP Optimize plugin to clean-up your WordPress database tables. It can remove post revisions, trash spam comments and also optimize your MySQL tables so that it works more efficiently and also consumes less space.</p><p>12. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wp-dbmanager/">WP-DBManager</a> – This plugin will help you backup your WordPress database manually or you can set up a scheduled job for automatic backup and the database files will be sent to your email address at set intervals. Advanced users can use WP-DBManager to run SQL queries against their WordPress database without the phpMyAdmin tool. There are other plugins that can save backups to <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/backup-wordpress-to-amazon-s3/12825/">Amazon S3</a> and <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/backup-wordpress-to-dropbox/18101/">Dropbox</a>.</p><p>13. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/debug-queries/">Debug Queries</a> – Is your blog slow? Use the Debug Queries plugin plugin to determine which MySQL queries are taking more time to execute and thus slowing down the blog. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/debug-bar/">Debug Bar</a> is another related plugin org that shows PHP warnings, queries and other helpful debugging information in the WordPress admin bar.</p><p>14. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/auto-post-thumbnail/">Auto Post Thumbnail</a> – WordPress added support for Post Thumbnail Images in WordPress 2.9 but if you have been using WordPress for long, thumbnails may not be associated with your old posts. Use the Auto Post thumbnail plugin to automatically generate thumbnails for such posts using the first image found in the post content.</p><p>15. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/regenerate-thumbnails/">Regenerate Thumbnails</a> – When you change the default size (height and width) of post thumbnails (or featured images) on your blog, you can use this plugin to regenerate thumbnails with the new dimensions.</p><p>16. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/google-sitemap-generator/">Google XML Sitemaps</a> – Since you want Google and other search engines to know about each and every page of your WordPress website, you need an XML sitemap and this plug-in lets you generate one in a click.</p><p>17. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/xml-sitemaps-for-videos/">XML Video Sitemap</a> &#8211; The plugin generates an XML Sitemap for your WordPress blog with all the YouTube videos that are embedded in your blog posts. I am also using <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/google-image-sitemap/">XML Sitemap for Images</a> and <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/google-mobile-sitemap/">XML Sitemap for Mobile</a>.</p><p>18. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/date-in-a-nice-tone/">Date in a Nice Tone</a> &#8211; This plugin offers an alternate way to display dates in your blog posts. It displays the amount of time – like “a few days ago,” or “in the last month,” or “over a year ago” &#8211; that has passed since a post or page was published.</p><p>19. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/syntaxhighlighter/">SyntaxHighlighter Evolved</a> – If you regularly embed code snippets in your WordPress blog posts, this plugin will help you highlight the syntax of the source code in different colors for more comfortable reading. Supports all popular programming languages.</p><p>20. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/pubsubhubbub/">Pubsubhubbub</a> – This will help you <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/fat-pings-for-content-scrapers/20400/">beat content scrapers</a> using Fat Pings. When you publish a blog post, it will instantly ping Google and that is a strong signal to the search engine that you are the <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/author-profile-in-google/19775/">original author</a>.</p><p>21. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wp-associatizer/">WP-Associatizer</a> &#8211; This plug-in will automatically rewrite any Amazon URLs in your posts to use your Amazon Associates ID.</p><p>22. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/template-tag-shortcodes/">Template Tag SC</a> – WordPress offers numerous template tags – like wp_list_pages() or wp_tag_cloud() – that you can use in your theme files. The plugin will help you insert the sam template tags directly in your blog posts or pages using Short Codes.</p><p>23. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/login-logger/">Login Logger</a> – This plugin logs the IP address and the exact date &amp; time when a user logs into your WordPress dashboard. It also keeps track of any unsuccessful login attempts. Use this plugin in combination with <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/limit-login-attempts/">Limit Login Attempts</a> to automatically lock out users after they have made ‘n’ unsuccessful login attempts.</p><p>24. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/custom-fields-shortcode/">CF Shortcode</a> – This helps you insert custom fields inside your WordPress posts using the visual editor. This comes extremely handy when you want to add <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/javascript-in-wordpress/19396/">custom JavaScript</a> inside your WordPress posts.</p><p>25. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/advanced-excerpt/">Advanced Excerpt</a> – The post excerpts in WordPress are fixed at 55 words and often displayed with [...] ellipsis at the end. This plugin lets you to specify a custom length of excerpts, you can get rid of the ellipsis and the excerpts can be configured to have full sentences so that there are no weird cuts.</p><h2>WordPress Plugins – Retired but Useful</h2><p>The first version of this list was published in 2010 and since then, I have removed or deactivated a few WordPress plugins. Here’s why:</p><p>1. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/stats/">WordPress.com Stats</a> – I am using Google Analytics to track site stats and therefore it doesn’t make sense to have another tracking program for the same goal.</p><p>2. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/akismet/">Akismet</a> – The comments on this site are powered by Disqus and they seem to offer decent spam protection on their own.</p><p>3. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wp-pda/">WordPress PDA</a> – This plugin helped serve the <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/design/how-to-create-mobile-phone-optimized-blog/2132/">mobile version</a> of this site based on their browser’s user agent. Digital Inspiration now uses a <a rel="nofollow" target="_blank" href="http://www.labnol.org/home/responsive-design/20752/">responsive design</a> and thus the same site is served to both desktop and mobile users.</p><p>4. <a rel="nofollow" target="_blank" href="http://wordpress.org/extend/plugins/wp-paginate/">WP-Paginate</a> – The paginate plugin provide better navigation and also helps search engines find and crawl deep content on your site. The new design of this site has pagination built-in and therefore this plugin is no longer necessary.</p><p>Also see: <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/linux-commands/19028/">Essential Linux Commands for WordPress Users</a></p><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=WordPress+Plugins+that+Power+Digital+Inspiration&url=http%3A%2F%2Fwww.labnol.org%2Fsoftware%2Fmust-have-wordpress-plugins%2F14034%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/software/must-have-wordpress-plugins/14034/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/software/must-have-wordpress-plugins/14034/">WordPress Plugins that Power Digital Inspiration</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">08/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/wordpress/'>WordPress</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/software/'>Software</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=14034&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=14034&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/blogging/world-most-popular-wordpress-seo-plugin-abandoned/3513/">The Most Popular WordPress Plug-In is Abandoned by its Author</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/wordpress-comments-from-windows-live-writer/10637/">Moderate Comments on your WordPress Blog with Windows Live Writer</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/blogging/wordpress-2-5-left-the-building/2751/">Upgrade!! WordPress 2.5 Has Left The Building</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/blogging/yahoo-wordpress-plugin/1928/">Add Related Flickr Photos to Your Blog Posts Automatically</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/tech/wordpress-related-posts/18627/">How WordPress Finds Related Posts</a></li></ol></div> 
<p><a rel="nofollow" target="_blank" href="http://feedads.g.doubleclick.net/~a/07srl_zJkOwEzhLpn9X4v4I-Gf4/0/da"><img src="http://feedads.g.doubleclick.net/~a/07srl_zJkOwEzhLpn9X4v4I-Gf4/0/di" border="0" ismap></a><br/>
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         <title>How to Get the Classic Photo Viewer in Facebook</title>
         <link>http://www.labnol.org/internet/facebook-photo-viewer/18704/</link>
         <description>The Facebook photo viewer now displays pictures in a dark pop-up window. Here's how you can switch to the classic layout.</description>
         <guid isPermaLink="false">http://www.labnol.org/?p=18704</guid>
         <pubDate>Wed, 08 Feb 2012 07:00:41 +0000</pubDate>
         <content:encoded><![CDATA[<p><a rel="nofollow" title="The new Facebook Photo Viewer is very similar to Google+" target="_blank" href="http://img.labnol.org/files/facebook-photo-viewer.jpg"><img class="aligncenter size-full wp-image-20808" alt="facebook photo viewer" src="http://img.labnol.org/di/facebook_photo_viewer.jpg" width="575" height="375"/></a><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/facebook-photo-viewer/18704/"><img border="0" src="http://my.labnol.org/px/?t=1329730966&i=18704"/> </a></p><p>Facebook has rolled out a Google+ style photo viewer that displays user comments and ads next to the picture in an overlay window. Thus, you don&#8217;t have to scroll the page to read the comments and the photo viewer adjusts itself as you re-size the browser window.</p><h2>Switch to the Old Layout of Facebook Photos</h2><p>If you are viewing any photo in Facebook and would like to use the classic layout &#8211; where photos are displayed on a separate page and not inside a pop-up – you can do that in a couple of ways:</p><ul><li>While the photo viewer is active, press <kbd>F5</kbd> on your keyboard (or hit the “reload” button in the browser) to refresh the Facebook photo page. This should open the photo without the overlay.</li><li>Or go to address bar of your browser, remove the string “&amp;theater” from the photo URL and hit Enter.</li><li>Or the easiest option is that you hold the <kbd>CTRL</kbd> key while clicking the thumbnail of any photo on Facebook and this should open the corresponding photo in a new tab but without the lightbox effect.</li></ul><p>Please see the following screencast for details.</p><p><div class="youtubeBorder"><p class="post-video"><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=NWkohF_gMYQ">http://www.youtube.com/watch?v=NWkohF_gMYQ</a></p><p><a rel="nofollow" target="_blank" href="http://www.youtube.com/watch?v=NWkohF_gMYQ"><img src="http://img.youtube.com/vi/NWkohF_gMYQ/default.jpg" width="130" height="97" border="0"></a></p></div><p><a rel="nofollow" title="Post to Twitter" target="_blank" href="http://twitter.com/share?related=labnol_BLOG%3AFollow%20Digital%20Inspiration%20on%20Twitter&source=DigitalInspiration&text=How+to+Get+the+Classic+Photo+Viewer+in+Facebook&url=http%3A%2F%2Fwww.labnol.org%2Finternet%2Ffacebook-photo-viewer%2F18704%2F&via=labnol"><img border="0" src="http://img.labnol.org/files/tweet.png" alt="Tweet this"/></a> <a rel="nofollow" title="Share on Facebook" target="_blank" href="http://www.facebook.com/sharer.php?u=http://www.labnol.org/internet/facebook-photo-viewer/18704/"><img border="0" src="http://img.labnol.org/files/share.png" alt="Share on Facebook"/></a></p><hr /><p><a rel="nofollow" target="_blank" href="http://www.labnol.org"><img border="0" align="right" src="http://digitalinspiration.com/css/di-mobile.png" width="161" height="23" alt="Digital Inspiration @labnol"/></a><small>This story, <a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/facebook-photo-viewer/18704/">How to Get the Classic Photo Viewer in Facebook</a>, was originally published at <a rel="nofollow" target="_blank" href="http://www.labnol.org/">Digital Inspiration</a> on <a rel="nofollow" target="_blank" href="http://www.labnol.org/date/2012/02/">08/02/2012</a> under <a rel="nofollow" target="_blank" href='http://www.labnol.org/tag/facebook/'>Facebook</a>, <a rel="nofollow" target="_blank" href='http://www.labnol.org/category/internet/'>Internet</a>.</small></p><a rel="nofollow" target="_blank" href="http://www.facebook.com/digital.inspiration"><img border="0" src="http://img.labnol.org/di/fb.png"/></a> <a rel="nofollow" target="_blank" href="http://twitter.com/labnol"><img border="0" src="http://img.labnol.org/di/tw.png"/></a> <a rel="nofollow" target="_blank" href="http://www.youtube.com/user/labnol"><img border="0" src="http://img.labnol.org/di/hd.png"/></a> <a rel="nofollow" target="_blank" href="http://feeds.labnol.org/labnol"><img border="0" src="http://img.labnol.org/di/rs.png"/></a><p><a rel="nofollow" target="_blank" href="http://rss.buysellads.com/click.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=18704&c=1329730966"><img src="http://rss.buysellads.com/img.php?z=1260358&k=0ec9d51ed99662677803ad094a422923&a=18704&c=1329730966" border="0" alt="" width="1" height="1"/></a></p><div class="yarpp"><h4>You may also like:</h4><ol><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/upload-pictures-to-flickr-from-live-photo-gallery/5448/">Upload Pictures to Facebook via Windows Live Photo Gallery</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/facebook-photo-tags-problem/11355/">The Biggest Nuisance on Facebook &#8211; Photo Tags</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/facebook-photo-memories/13750/">Photo Memories in Facebook</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/software/download-facebook-photo-albums/9647/">Download Facebook Photo Albums With a Click</a></li><li><a rel="nofollow" target="_blank" href="http://www.labnol.org/internet/facebook-photos-popup/19411/">Facebook Photo Viewer Gets Another Facelift</a></li></ol></div> 
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         <title>Payday loans</title>
         <link>http://allexpertsblog.blogspot.com/2009/03/payday-loans.html</link>
         <description>payday loans&lt;br /&gt;&lt;br /&gt;Question:&lt;br /&gt;&lt;br /&gt;i received a payday loan in set and had issues with my bank account and made them aware of it, they then told me it was going to go to collections, a company named i-collect in which i havent received a phone call. now im getting calls from a company named ccrm stating they represent Hawiian midland financial, but they refuse to send a invoice so that i can pay the bill or anything. and when i contact the company i got the loan through they insist they only go through i-collect. i have received nasty voicemails from ccrm stating jail and going to court and i better get a good lawyer. please advise what to do or what is possible, the company dont have a number for me to contact i-collect. i asked how do i pay the loan off if i-collect dont contact and the loan company rep said that she dont know&lt;br /&gt;&lt;br /&gt;Answer:&lt;br /&gt;If I were in that kind of situation my first thought would be that they must not want to get paid very badly. It seems logical to think that if they wanted to get paid they would provide me with the address where I could simply send them a U.S. Postal money order by certified mail return receipt requested. That is the only way I would pay them because I know that any debt collector who won't be up front with me would never give me a receipt for my money so I could prove I had paid the debt.&lt;br /&gt;&lt;br /&gt;On top of that I would also know that a debt collector who wouldn't give me full contact information and even got so far out of line that they threatened me with jail was a debt collector who obviously wanted me to sue them for those violations of FDCPA and so I would be only too happy to oblige them.&lt;br /&gt;&lt;br /&gt;Of course, I would be recording their phone calls and I would have sent them a debt validation letter within 30 days of their initial contact with me. I would be using the list of 18 questions to be found at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;18 questions for debt collectors&lt;/a&gt;  every time they called. They would either answer the questions or I would simply hang up on them. Then if they did send the account to a lawyer I'd sue them again and then send a debt validation letter to the attorney and get ready to start gathering evidence against the lawyer so I could take the lawyer to federal court naming the debt collector as a co-defendant.&lt;br /&gt;&lt;br /&gt;I'd also be watching my public record at the courthouse on a daily or weekly basis so I would know when they filed a lawsuit against me and I would respond to their lawsuit before I ever got served by a sheriff. I wouldn't wait to get served.&lt;br /&gt;&lt;br /&gt;Now why are you worried about how to pay them when you should be worried about how to make them pay you to go away and leave them alone?&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-7492911797478708069?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-7492911797478708069</guid>
         <pubDate>Tue, 10 Mar 2009 07:09:00 +0000</pubDate>
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         <title>Homebuyers beware.</title>
         <link>http://allexpertsblog.blogspot.com/2009/02/homebuyers-beware.html</link>
         <description>&lt;table width=&quot;100%&quot; border=&quot;0&quot; cellpadding=&quot;0&quot; cellspacing=&quot;6&quot;&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td nowrap&gt;&lt;div id=&quot;postmenu_483144&quot;&gt;&lt;a rel=&quot;nofollow&quot; class=&quot;bigusername&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditnet.com/Discussions/members/ccscissors.html&quot;&gt;ccscissors&lt;/a&gt;&lt;div class=&quot;smallfont&quot;&gt;Newbie&lt;/div&gt;               &lt;/div&gt;&lt;/td&gt;&lt;td width=&quot;100%&quot;&gt;&lt;br /&gt;&lt;/td&gt;&lt;td valign=&quot;top&quot; nowrap&gt;&lt;div class=&quot;smallfont&quot;&gt;&lt;div&gt;&lt;/div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;br /&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;div class=&quot;smallfont&quot;&gt; &lt;strong&gt;New Mortgage Guidelines&lt;/strong&gt;&lt;/div&gt;&lt;hr style=&quot;color:rgb(209, 209, 225);background-color:rgb(209, 209, 225);&quot; size=&quot;1&quot;&gt;&lt;div id=&quot;post_message_483144&quot;&gt;I don't know how it was before the housing crisis, but what are the current rules when two unmarried people want to buy an apt together (mind you the apt costs as much as some houses), and person A has great credit, and person B has horrible credit? I think they could both have the house in their names/buy the house together before because person A would shoulder the responsibility for person B's credit. But I'm not sure if its that way now. And I dont know if you have to also have liquid capital to boot. Does anybody know.&lt;/div&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;div style=&quot;margin:5px 20px 20px;&quot;&gt;  &lt;div class=&quot;smallfont&quot; style=&quot;margin-bottom:2px;&quot;&gt;Quote:&lt;/div&gt;  &lt;table width=&quot;100%&quot; border=&quot;0&quot; cellpadding=&quot;6&quot; cellspacing=&quot;0&quot;&gt;  &lt;tbody&gt;&lt;tr&gt;   &lt;td class=&quot;alt2&quot; style=&quot;border:1px inset;&quot;&gt;         &lt;div&gt;      Originally Posted by &lt;strong&gt;greg1045&lt;/strong&gt;      &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditnet.com/Discussions/credit-talk/t-new-mortgage-guidelines-69333.html#post483146&quot;&gt;&lt;img class=&quot;inlineimg&quot; src=&quot;http://consumers.creditnet.com/Discussions/images/buttons/viewpost.gif&quot; alt=&quot;View Post&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;     &lt;/div&gt;     &lt;div style=&quot;font-style:italic;&quot;&gt;Nothing dramatically will change. Both applicants' credit reports will be scrutinized, both applicants' wages will be verified. Doesn't ,matter one way or another if the two are married to each other or not.&lt;/div&gt;       &lt;/td&gt;  &lt;/tr&gt;  &lt;/tbody&gt;&lt;/table&gt; &lt;/div&gt; Not quite the way it can work. Assuming A has great credit and B has bad credit or no credit, the A credit can be used as the responsible party without consideration of the B credit. B can be on the mortgage but not on the note. The note is the negotiable instrument and the mortgage is the security for the note. There are many potential traps or pitfalls in the process that borrowers need to be wary of. Firs t of all, one or both parties should attend all meetings with brokers, lenders or anything to do with the process and both should be carrying digital voice recorders. Borrowers should always stay away from any kind of Adjustable Rate Mortgages better known as ARM type loans. ARM loans will always keep on costing more and more each month, often ending up with the monthly payments being two, three, even four times what the loan started out costing. ARM loans are nothing more than a foreclosure waiting to happen.&lt;br /&gt;&lt;br /&gt;Borrowers should steer clear of notes which contain any reference to a company named MERS or Mortgage Electronic Registration Systems. Borrowers are usually told that MERS is nothing but a data base for the storage of notes and mortgages but the truth is that they are also designated as the servicer of the note and ostensibly have the power to foreclose in lieu of the true lender who probably won't be the lender in fact. The final true lender is seldom if ever revealed or even known to the present lender who normally holds the note for a short period of time, often less than a month.&lt;br /&gt;&lt;br /&gt;Once a lender has a sufficient number of outstanding notes in hand they are all bundled up and sold to a larger lender while the present lender remains the true servicing agent and the unsuspecting borrower continues to make his payments to the original lender. The note will eventually be sold on the securities and exchange markets to investors world wide who will each buy a tranche (piece of the original loan) Tranches are usually sold in amounts of $25,000 each so that if a note is worth $100,000 there might actually be four investors each owning one tranche. At the time of securitization the note and the mortgage are actually separated.&lt;br /&gt;&lt;br /&gt;It is imperative that the borrowers understand as much of the loan process as possible so an attorney who is knowledgeable about notes and mortgages should always be hired to review the paperwork before signing. If at all possible one should hire an attorney who is also a mortgage fraud investigator. I would recommend Norm Bradford of Maryland or Neil Garfield of California. There are many more good ones out there and they are not very difficult to find if one searches for them but the important part is that whomever is hired should be both an attorney and a recognized mortgage fraud investigator. They won't be cheap, usually costing from about $500 to about $1,000 but are well worth it. If that is not affordable then borrowers should be well familiar with such things as the right to recession and the fact that both borrowers must be provided with written notice of their right to rescind the note within 3 days of the signing. If that condition is not met the right to rescind never expires.&lt;br /&gt;&lt;br /&gt;Be very, very careful about buying a home at this time. The house you pay $250,000 for today will probably be worth much less than $100,000 next year. The housing bubble has burst and Obama isn't going to fix that. He will only throw more and more money at the problems thereby making the final economic crash much worse than it would have been had he not meddled with it.&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-2835854262127734574?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-2835854262127734574</guid>
         <pubDate>Sun, 08 Feb 2009 06:39:00 +0000</pubDate>
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         <title>Questioner:   Lynn&lt;br /&gt;Category:  Collections&amp;hellip;</title>
         <link>http://allexpertsblog.blogspot.com/2008/12/questioner-lynn-category-collections.html</link>
         <description>Questioner:   Lynn&lt;br /&gt;Category:  Collections Law&lt;br /&gt;&lt;br /&gt;Subject:  Medical Bills&lt;br /&gt;Question:  I have insurance, but even with 90% of everything covered, ended up owing $1,000.&lt;br /&gt;&lt;br /&gt;The hospital is a non-profit, but would not work with me unless I could pay the entire balance off in 6 months or less.  (I could not).&lt;br /&gt;&lt;br /&gt;So, the bills were turned over to collections.  (an Agency in Greeley, CO, who, ironically, has the majority of its clients as non-profit, medical organizations!).&lt;br /&gt;&lt;br /&gt;1) Is it true that I, personally, had to agree or sign off on their turning this over to collections, more specifically, to this agency in particular?&lt;br /&gt;2) Is it true the hospital is now likely collecting twice; once in its profit and loss statement, once selling this to Professional Finance?&lt;br /&gt;3) I am really struggling to keep up with the $50 a month they demand; if I am making every effort, being sure to pay something each month, keeping in contact with them,can they still take me to court and garnish my wages?&lt;br /&gt;&lt;br /&gt;I did not get sick intentionally.  The economy sucks, there have been lay offs at my company, I struggle to keep utilities on, food on the table, a roof over my head.  How do these people live with themselves?  Must you sell your soul to Satan, to work in collections?  Especially for medical bills?&lt;br /&gt;&lt;br /&gt;Answer:  &lt;br /&gt;&lt;br /&gt;click here to enlarge&lt;br /&gt;1) Is it true that I, personally, had to agree or sign off on their turning this over to collections, more specifically, to this agency in particular?&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Probably not.&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;2) Is it true the hospital is now likely collecting twice; once in its profit and loss statement, once selling this to Professional Finance?&lt;br /&gt;&lt;b&gt;&lt;br /&gt;I have no knowledge of that subject. Maybe they did and maybe they didn't. Depends on their internal bookkeeping procedures.&lt;br /&gt;&lt;/b&gt;&lt;br /&gt;3) I am really struggling to keep up with the $50 a month they demand; if I am making every effort, being sure to pay something each month, keeping in contact with them,can they still take me to court and garnish my wages?&lt;br /&gt;&lt;b&gt;&lt;br /&gt;Yes, they can and you should believe that they will do that sooner or later and start preparing for it now. Above all, you should never pay another dime to the hospital nor the debt collector and most especially not to the debt collector. Start learning all about FDCPA, FCRA and how to catch debt collectors breaking the law and how to take them to court for their violations. If you do that you can easily end up making them forget about ever collecting a dime and make them pay you instead. My students do it all the time.&lt;br /&gt;&lt;/b&gt;&lt;br /&gt;I did not get sick intentionally.  The economy sucks, there have been lay offs at my company, I struggle to keep utilities on, food on the table, a roof over my head.  How do these people live with themselves?  Must you sell your soul to Satan, to work in collections?  Especially for medical bills?&lt;br /&gt;&lt;b&gt;&lt;br /&gt;Sounds logical to me. How do these people live with themselves? Easy! The same way all thugs, corrupt politicians, and other scam artists live with themselves. They convince themselves that what they do is right or at least OK and they can make good money fast and easy. They somehow kid themselves into believing that they won't get caught.&lt;br /&gt;&lt;/b&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-5727511302959853992?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-5727511302959853992</guid>
         <pubDate>Mon, 22 Dec 2008 13:17:00 +0000</pubDate>
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         <title>Licensing requirements</title>
         <link>http://allexpertsblog.blogspot.com/2008/12/licensing-requirements.html</link>
         <description>Questioner:   Katia&lt;br /&gt;&lt;br /&gt;Subject:  Law Firm Licensing Requirements&lt;br /&gt;&lt;b&gt;Question:&lt;/b&gt;  &lt;br /&gt;I have a case with a debt collection law firm. The law firm first acted as a collection agency by sending out a dunning letter and then proceeded to file suit after validating. I keep reading according to my state's laws and Federal Law that this firm is acting as a collection agency within the law firm and according to my state's law, the firm must be licensed as a collection agency. My lawyer, however, says I should settle for the full claim (including all fees). If this firm is supposed to be licensed as a collection agency, shouldn't they be unable to collect on this account since they are not licensed?&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Answer:&lt;/b&gt;  &lt;br /&gt;&lt;br /&gt;That is a really dumb lawyer you have there. Be that as it may, you need to check with your state consumer protection division but in most states lawyers are specifically excluded from such license requirements. Of course, there is a catch to that because if the law firm is not licensed to practice law in your state then I tend to think they would have to be licensed in your state. More importantly, have they complied with all aspects of FDCPA? Here is a starter list of 15 things that debt collectors cannot do.&lt;br /&gt;__________________________________________________________________&lt;br /&gt;The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do. If you need to reference the law, citations have been provided.&lt;br /&gt;1. Ask you to pay more than you owe&lt;br /&gt;The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a)&lt;br /&gt;&lt;br /&gt;2. Ask you to pay interest, fees, or expenses that are not allowed by law. The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1)&lt;br /&gt;&lt;br /&gt;3. Call repeatedly or continuously&lt;br /&gt;The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)&lt;br /&gt;&lt;br /&gt;|4. Use obscene, profane, or abusive language&lt;br /&gt;Using this kind of language is considered harassment. [15 USC 1692d] § 806(2)&lt;br /&gt;&lt;br /&gt;5. Call before 8:00 am or after 9:00 pm&lt;br /&gt;Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1)&lt;br /&gt;&lt;br /&gt;6. Call at times the collector knew or should know are inconvenient&lt;br /&gt;Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1)&lt;br /&gt;&lt;br /&gt;7. Use or threaten to use violence if you don't pay the debt&lt;br /&gt;Collectors can't threaten violence against you. [15 USC 1692d] § 806(1)&lt;br /&gt;&lt;br /&gt;8. Threaten action they cannot or will not take&lt;br /&gt;Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5)&lt;br /&gt;&lt;br /&gt;9. Illegally inform a third party about your alleged debt&lt;br /&gt;Unless you have expressly given permision, collectors are not allowed to inform anyone about your debt except:&lt;br /&gt;&lt;br /&gt;* your attorney&lt;br /&gt;* the creditor&lt;br /&gt;* the creditor's attorney&lt;br /&gt;* a credit reporting agency your spouse&lt;br /&gt;* your parent (if you are a minor)&lt;br /&gt;&lt;br /&gt;[15 USC 1692c] § 805(b)&lt;br /&gt;&lt;br /&gt;10. Repeatedly call a third party to get your location information&lt;br /&gt;The collector can only contact a third party once unless it has reason to believe the information previously provided is false. [15 USC 1692b] § 804(1)&lt;br /&gt;&lt;br /&gt;11. Contact you at work knowing your employer doesn't approve&lt;br /&gt;A collector is not allowed to contact you at work if you’ve let them know your employer doesn’t approve of these calls. [15 USC 1692c] § 805(a)(3)&lt;br /&gt;&lt;br /&gt;12. Fail to send a written debt validation notice&lt;br /&gt;Within five days of the collector's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debt within 30 days. [15 USC 1692g] § 809(a)&lt;br /&gt;&lt;br /&gt;13. Ignore your written request to verify the debt and continue to collect&lt;br /&gt;A collector can't continue to collect on a debt after you've made a written request to verify the debt as long as the request was made within 30 days of the collector's written notice. [15 USC 1692g] § 809(b)&lt;br /&gt;&lt;br /&gt;14. Continue to collect on the debt before providing verification&lt;br /&gt;After receiving your written dispute, the collector must stop collecting on the debt until you have receieved verification. [15 USC 1692g] § 809(b)&lt;br /&gt;&lt;br /&gt;15. Continue collection attempts after receiving a cease communication notice&lt;br /&gt;If you make a written request for the collector to cease communication, it can only contact you one more time, via mail to let you know one of the following: that further efforts to collect the debt are terminated, that certain actions may be taken by the collector, or that the collector is definitely going to take certain actions. [15 USC 1692c] § 805(c)&lt;br /&gt;++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++&lt;br /&gt;That's a pretty broad list of potential violations and it is virtually impossible for a debt collector (lawyers are 3rd party debt collectors) to collect or attempt to collect a debt without running afoul of the law. When they do break the law the best bet is to take them to federal court where the fact that you owe them money has no bearing on the outcome. You can win the case that way if they broke the law which they most likely did on multiple occasions.&lt;br /&gt;&lt;br /&gt;They might very well get a judgment in local court but they will be more than willing to drop that and pay you some good damages, expenses and maybe more to keep from going before a federal judge and jury where they have no chance of winning.&lt;br /&gt;&lt;br /&gt;For instance, I have a situation where an elderly lady lost her case in local court then the lawyer attempted to garnish her SSI. They cannot do that according to item #8 so they have probably violated. I say probably because all they have done so far is send her a question sheet wanting to know all about her finances. That in itself is not a violation so she has to wait until they actually make some move to grab SSI money so she can see what they actually try to grab. Asking questions isn't a violation.&lt;br /&gt;&lt;br /&gt;They didn't actually threaten to take money from her. While I realize that filing an action against her might seem like a threat to take her SSI they might only put a lien on her property and wait until she passes on. So until they actually make some palpable threat or make a move to go after her SSI money she doesn't have a solid case. At least not on that grounds but she does have a possible cause of action on another grounds. Combine multiple causes of action and then a solid case can be built.&lt;br /&gt;&lt;br /&gt;So if you want to win then you need to think in terms of finding their violations and go after them in federal court where you can win.&lt;br /&gt;You don't need a lawyer in either local or federal court and you will never see the inside of a federal courtroom.&lt;br /&gt;&lt;br /&gt;Your lawyer says you should just pay up in full? With friends like that who needs enemies? What have you done to respond to the case? Nothing yet? I'm not a lawyer so obviously I can't give you legal advice but I sure know what I would do if I were sued for a debt. First thing I would do is file a denial as my response then I'd prepare my demand for admissions and send both of them to the plaintiff's attorney and we would go from there. You should have done that long ago instead of getting some lawyer who is only going to sell you down the river.&lt;br /&gt;&lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.allexperts.com/qaImages/Collections-Law-912/2008/12/click-enlarge_66.png&quot;&gt;&lt;img src=&quot;http://www.allexperts.com/qaImages/Collections-Law-912/2008/12/click-enlarge_66.png&quot; alt=&quot;Creditwrench contact information&quot;/&gt;&lt;/a&gt;&lt;/p&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-1130519577468382308?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-1130519577468382308</guid>
         <pubDate>Mon, 01 Dec 2008 08:19:00 +0000</pubDate>
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         <title>The Lawyer's tool box</title>
         <link>http://allexpertsblog.blogspot.com/2008/10/lawyers-tool-box.html</link>
         <description>&lt;div lang=&quot;x-western&quot;&gt;&lt;br /&gt;&lt;table align=&quot;center&quot; bgcolor=&quot;#ffffcc&quot; border=&quot;1&quot; cellpadding=&quot;6&quot; width=&quot;380&quot;&gt;&lt;br /&gt;&lt;tbody&gt;&lt;br /&gt;&lt;tr&gt;&lt;br /&gt;&lt;td bgcolor=&quot;#eeeeee&quot; valign=&quot;top&quot;&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=bb001&quot;&gt;&lt;img title=&quot;Lawsuit Self-Help ... Step-by-Step&quot; alt=&quot;Lawsuit Self-Help ... Step-by-Step&quot; src=&quot;http://www.jurisdictionary.com/jurisdictionary.gif&quot; align=&quot;left&quot; border=&quot;0&quot; height=&quot;50&quot; hspace=&quot;1&quot; vspace=&quot;6&quot; width=&quot;312&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;h3 align=&quot;center&quot;&gt;Tips &amp;amp; Tactics&lt;/h3&gt;&lt;/td&gt;&lt;br /&gt;&lt;/tr&gt;&lt;br /&gt;&lt;tr&gt;&lt;br /&gt;&lt;td valign=&quot;top&quot;&gt;&lt;h2&gt;The Lawyer's Little Red Toolbox ... &lt;img alt=&quot;Win with Jurisdictionary!&quot; src=&quot;http://www.jurisdictionary.com/CFMail/Images/Toolbox.gif&quot; align=&quot;right&quot; height=&quot;107&quot; hspace=&quot;4&quot; vspace=&quot;4&quot; width=&quot;168&quot;/&gt;&lt;/h2&gt;&lt;br /&gt;&lt;p&gt;Every lawyer has a little red toolbox of tricks and traps intended to throw you off track and put you at a disadvantage.&lt;/p&gt;&lt;br /&gt;&lt;p&gt;Today's &quot;Tips &amp;amp; Tactics&quot; gives you a glimpse into that toolbox. To learn more, of course, get our complete &lt;strong&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=bb001&quot;&gt;Jurisdictionary&lt;/a&gt;&lt;/strong&gt; 24-hour step-by-step self-help course.&lt;/p&gt;&lt;br /&gt;&lt;p&gt;&lt;strong&gt;Issues.&lt;/strong&gt; Lawyers typically try to &quot;muddy the waters&quot;  by trying to get you to argue issues that have absolutely nothing to do  with the outcome of the case. If you aren't careful, they will drag you  off into a never-never land of expensive and time-consuming efforts to  prove or disprove facts that are &quot;outside the pleadings&quot;, facts that  were not raised by the pleadings and, therefore, do nothing but drain  your energy and gobble up your time so the other side can make it look  like you are struggling to prove your case. Don't put up with it. Make  your record. &quot;Objection, your Honor. Counsel is raising issues beyond  the scope of the pleadings!&quot; (More about this in our 24-hour self-help  course.)&lt;/p&gt;&lt;br /&gt;&lt;p&gt;&lt;strong&gt;Sidebar. &lt;/strong&gt;Lawyers will try to whisper to the judge  on the bench (so the court reporter cannot hear) communicating to the  court about matters they would never be allowed to present if the court  reporter were taking everything down and you were in a position to  object &lt;em&gt;on the record&lt;/em&gt;. When the lawyer on the other side of  your case calls for a sidebar conference, make sure the court reporter  comes with you to the bench and types every word spoken by the judge,  the other lawyer, and yourself. Failure to do so has been the downfall  of many. Don't let it happen to you!&lt;/p&gt;&lt;br /&gt;&lt;p&gt; &lt;strong&gt;Testifying. &lt;/strong&gt;This is the biggest and most common crime  and one of the many reasons people hate lawyers. When a lawyer can't  find a witness or documents or anything else to support their  arguments, they'll just tuck their thumbs under their armpits and strut  about the courtroom stating facts about which they have no personal  knowledge whatever. And, if you let them get away with it, you are  inviting disaster. The only time a lawyer (or &lt;em&gt;pro se &lt;/em&gt;litigant,  for that matter) should be allowed to talk about facts is when the  facts recited are already in the record - either because a witness  testified to them or some documents or other things were presented to  the court to demonstrate those facts. Unless the lawyer has first-hand  knowledge, he is an incompetent witness. &quot;Objection, your Honor.  Counsel is testifying.&quot; If the lawyer claims to have first-hand  knowledge, move the court to make him or her submit to  cross-examination under oath!&lt;/p&gt;&lt;br /&gt;&lt;p&gt;&lt;strong&gt;Empty Objections. &lt;/strong&gt;Ever  watch court programs on TV and hear the lawyers call out that familiar  word, &quot;Objection&quot;, without saying anything more about why they are  objecting? Of course you have. Not many script writers are lawyers, so  they assume that single word, without more, is good enough. It's not!  If the other side jumps up with an &quot;Objection&quot;, you jump up immediately  and demand, &quot;Grounds, your honor! What are the grounds?&quot; Unless an  objection is based on proper grounds, it is improper for the court to  sustain the objection. If you allow this trickery, you only invite the  other side to get away with murder.&lt;/p&gt;&lt;br /&gt;&lt;p&gt;Well, that's just a few of the things you'll learn with our  fabulous, wildly popular, 24-hour step-by-step lawsuit self-help  course. Get your own little red toolbox now at &lt;strong&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=bb001&quot;&gt;Jurisdictionary&lt;/a&gt;&lt;/strong&gt; and &lt;strong&gt;learn how to fight legal corruption in court and &lt;em&gt;win!&lt;/em&gt;&lt;/strong&gt;&lt;/p&gt;&lt;br /&gt;&lt;p&gt;If you'd like us to cover a particular topic in future Tips &amp;amp;  Tactics newsletters, go to our website and click on the &quot;Contact&quot;  button to send us an email.&lt;/p&gt;&lt;br /&gt;&lt;p&gt;Learn how to use the rules to &lt;em&gt;&lt;strong&gt;win your case!&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;&lt;br /&gt;&lt;p&gt;Order our case-winning 24-hour &lt;strong&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=bb001&quot;&gt;Jurisdictionary&lt;/a&gt;&lt;/strong&gt; step-by-step self-help for non-lawyers course &lt;em&gt;now &lt;/em&gt;and discover for yourself how easy it is to control crooked lawyers ... &lt;em&gt;and &lt;strong&gt;win your lawsuit!&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;&lt;br /&gt;&lt;p&gt;It's easy with &lt;strong&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=bb001&quot;&gt;Jurisdictionary&lt;/a&gt;&lt;/strong&gt;. &lt;/p&gt;&lt;br /&gt;&lt;p&gt;&lt;strong&gt;It takes just 24 hours to learn how to win!&lt;/strong&gt;&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;right&quot;&gt;... Dr. Frederick D. Graves&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=bb001&quot;&gt;Win with Jurisdictionary!&lt;/a&gt; &lt;/strong&gt;&lt;/p&gt;&lt;/td&gt;&lt;br /&gt;&lt;/tr&gt;&lt;br /&gt;&lt;tr&gt;&lt;br /&gt;&lt;td bgcolor=&quot;#ffccff&quot;&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;Learn lawsuit procedure in 24-hours ... step-by-step.&lt;/strong&gt;&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;Our affordable 4-CD self-help for non-lawyers course includes: &lt;/p&gt;&lt;br /&gt;&lt;ul type=&quot;disc&quot;&gt;&lt;br /&gt;&lt;li&gt;5-hour video CD simplifies the process of litigation &lt;/li&gt;&lt;br /&gt;&lt;li&gt;2 audio CDs present practical tactics and procedures &lt;/li&gt;&lt;br /&gt;&lt;li&gt;15 in-depth tutorials on a 4th CD lay out the basics &lt;/li&gt;&lt;br /&gt;&lt;li&gt;Free laminated EasyGuide to the Rules of Court &lt;/li&gt;&lt;br /&gt;&lt;li&gt;Includes Shipping &amp;amp; Handling &lt;/li&gt;&lt;br /&gt;&lt;li&gt;Instant On-Line Access while CDs are in the mail to you &lt;/li&gt;&lt;br /&gt;&lt;/ul&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;Discover what thousands know: &lt;/strong&gt;&lt;em&gt;&lt;strong&gt;Jurisdictionary Works!&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;Save legal fees! Control judges! Defeat crooked lawyers!&lt;/strong&gt;&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;&lt;em&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/index.asp?refercode=070224&quot;&gt;www.Jurisdictionary.com&lt;/a&gt; &lt;/em&gt;&lt;/strong&gt;&lt;/p&gt;&lt;/td&gt;&lt;br /&gt;&lt;/tr&gt;&lt;br /&gt;&lt;tr&gt;&lt;br /&gt;&lt;td bgcolor=&quot;#ffffcc&quot;&gt;&lt;p align=&quot;center&quot;&gt;Ask anyone who has our course. &quot;Jurisdictionary Works!&quot; &lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;Call &lt;/strong&gt;&lt;strong&gt;Toll Free for details: 866-Law-Easy&lt;/strong&gt;&lt;/p&gt;&lt;/td&gt;&lt;br /&gt;&lt;/tr&gt;&lt;br /&gt;&lt;tr&gt;&lt;br /&gt;&lt;td bgcolor=&quot;#ffccff&quot;&gt;&lt;h2 align=&quot;center&quot;&gt;Earn Extra Income Helping Others!&lt;/h2&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;strong&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.jurisdictionary.com/Clubs/LeadersPage.cfm&quot;&gt;&lt;strong&gt;Lead a Local Jurisdictionary Chapter&lt;/strong&gt;&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;Complete our 24-hour course, then teach others how to win!&lt;br /&gt;&lt;br /&gt;Lead a local Jurisdictionary Chapter in your home town.&lt;br /&gt;&lt;br /&gt;Receive $50 for each course members purchase through you.&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;Your only cost is the price of our affordable self-help course.&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;Our motto is &lt;em&gt;Justicia Omnibus&lt;/em&gt;... &quot;Justice for All&quot;&lt;/p&gt;&lt;br /&gt;&lt;p align=&quot;center&quot;&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:lawbook@jurisdictionary.com?SUBJECT=JURISChapterLeaders&quot;&gt;Email&lt;/a&gt; us for more information or visit the link above.&lt;/p&gt;&lt;/td&gt;&lt;br /&gt;&lt;/tr&gt;&lt;br /&gt;&lt;tr&gt;&lt;br /&gt;&lt;td bgcolor=&quot;#ffffcc&quot;&gt;&lt;h2 align=&quot;center&quot;&gt;NEW RADIO SHOW! &lt;/h2&gt;&lt;br /&gt;&lt;h2 align=&quot;center&quot;&gt;We The People Radio Network&lt;/h2&gt;&lt;br /&gt;&lt;p&gt;&quot;Jurisdictionary - God, Government, and The Gospel Mystery&quot;&lt;/p&gt;&lt;br /&gt;&lt;p&gt;On WTPRN Tuesday and Thursday evenings 7-9 Eastern Time&lt;/p&gt;&lt;br /&gt;&lt;p&gt;If WTPRN is not yet carried by your local stations, tune in on-line at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.wtprn.com/&quot;&gt;www.WTPRN.com&lt;/a&gt; then click the &quot;Listen Live&quot; buttons.&lt;/p&gt;&lt;br /&gt;&lt;p&gt;To listen by phone or SKYPE, call 521-485-9010&lt;/p&gt;&lt;br /&gt;&lt;p&gt;To participate On-the-Air, call 512-646-1984&lt;/p&gt;&lt;br /&gt;&lt;p&gt;Mark your calendar: Tues &amp;amp; Thurs evenings 7-9 Eastern Time&lt;/p&gt;&lt;/td&gt;&lt;br /&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;center&gt;&lt;table id=&quot;aweber_rem&quot; border=&quot;0&quot; cellpadding=&quot;0&quot; cellspacing=&quot;0&quot; width=&quot;380&quot;&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td bgcolor=&quot;#ffccff&quot;&gt;&lt;h1&gt;CREDITWRENCH RADIO TALK SHOW&lt;/h1&gt; &lt;b&gt;Be sure to listen to our Creditwrench Friday night conference calls which start at 7:00 P.M. Central time.&lt;br /&gt;&lt;br /&gt;The call in number is (712) 432-1601 and the pin number is 508548#.&lt;br /&gt;&lt;br /&gt;You can feel free to join in the conversations and we will be happy to discuss your situation.&lt;br /&gt;&lt;br /&gt;You should also listen to our regular Monday evening Radio Talk show by clicking on the widget in the left hand column.&lt;br /&gt;&lt;br /&gt;If you would like to be a guest on the show you can do so by calling  (405) 237-2174 or (405) 227-9423. The shows are all pre recorded.&lt;br /&gt;&lt;br /&gt;You can also find a widget on many other web pages throughout the internet. Each show lasts for one hour.&lt;/b&gt;&lt;br /&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/tbody&gt;&lt;/table&gt;&lt;br /&gt;&lt;/center&gt;&lt;/div&gt;&lt;br /&gt;&lt;p&gt;&lt;br /&gt;Jurisdictionary ®&lt;br /&gt;&lt;br /&gt;PMB-11185&lt;br /&gt;&lt;br /&gt;428 Childers Street&lt;br /&gt;&lt;br /&gt;Pensacola, Florida  32534&lt;br /&gt;&lt;br /&gt;USA&lt;br /&gt;&lt;br /&gt;&lt;/p&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-3416179746538850648?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-3416179746538850648</guid>
         <pubDate>Sun, 05 Oct 2008 13:17:00 +0000</pubDate>
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         <title>Court Summons for Credit Card Debt.</title>
         <link>http://allexpertsblog.blogspot.com/2008/10/court-summons-for-credit-card-debt.html</link>
         <description>Court Summons for Credit Card Debt.&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Question:&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; under my credit card agreement under &quot;Applicable Law&quot; This Agreement and your Account will be governed by federal law, and the laws of Arizona, whether or not you live in Arizona and whether or not your Account is used outside of Arizona. You agree that:(1) this Agreement is entered into in Arizona; (2) all credit under this Agreement will be extended from Arizona; and (3) all credit extended under this Agreement is  subject to, and governed by, Section 44-1205(C) of Arizona Revised Statutes. All terms and conditions of this Agreement (including Returned Check Charge and Over Limit Change provisions) are deemed to be material to a determination of the finance charge.&lt;br /&gt;&lt;br /&gt;My argument would be to dismiss this law suit due to this debt is pass the SOL period. Since Arizona Open accounts is 3 yrs. Do you think this argument will work?&lt;br /&gt;&lt;br /&gt;My second argument would be that the debt amount is incorrect and I would then request a original application with my signed signature. I know the amount is incorrect and read some where that it's illegal for them to state an amount this is false; is that true?&lt;br /&gt;&lt;br /&gt;My last question is I received another letter from the same Attorney, same Case No. but for a larger amount. Do you think their falsifying their documents?&lt;br /&gt;&lt;br /&gt;Thank you so much for your time and any response that you can give me is so much appreciated.&lt;br /&gt;&lt;br /&gt;Sincerely,&lt;br /&gt;Guest101&lt;br /&gt;&lt;br /&gt;&lt;img src=&quot;http://www.allexperts.com/qaImages/Collections-Law-912/2008/10/Click-enlarge-print.png&quot; alt=&quot;Creditwrench Contact information&quot;/&gt;&lt;br /&gt;&lt;br /&gt;&lt;span style=&quot;font-weight:bold;&quot;&gt;Answer:  &lt;/span&gt;&lt;br /&gt;&lt;br /&gt;Will your SOL argument work? Probably not unless you really know how to make it stick. Most judges simply won't want to hear it first of all because if that argument were to be accepted they would just about have to go to school all over again. It isn't just the SOL argument that can be used against plaintiffs. There are other ramifications and arguments that can be used as well if judges accept that argument. So you are likely to get denied even though there is a fair amount of case law to support your argument. As a result I would guess that you will not only need to know how to argue that point but how to force the judge to accept it whether he wants to or not. Be aware that in order to prevail you may have to take it to the appellate level or even higher. If you are willing to do that then I'd say you have a pretty fair chance. I am aware of an ongoing Florida case that is currently being decided by the judge who took it under advisement and is studying the matter. That person, a student of mine based his argument on another Florida case against Capital One wherein Cap One lost the case argued on the same grounds. The problem is that the first case was also decided in another district court in Florida so it is not a compulsary case.&lt;br /&gt;&lt;br /&gt;There is another case that I am aware of that was ruled on in the 10th Circuit court of appeals. That case is not exactly the same but definitely similar and could be cited as well. Once again, however, rulings of the 10th circuit would not be compulsary in your state so all of the cases could only be advisory cases. They might help and they might not. You might very well have to take it all the way to your circuit court of appeals too. I would very deeply appreciate your keeping me abreast of what happens if you do argue it.&lt;br /&gt;&lt;br /&gt;Then you ask about getting the original agreement to see if all the charges are allowable under the terms and conditions of the agreement. Another excellent argument that should be vital to the outcome of the case but again you may have to put up a hard fight to get that accomplished.&lt;br /&gt;&lt;br /&gt;Are they falsifying their documents to get more money? Most likely they are.&lt;br /&gt;&lt;br /&gt;Again, I think your arguments have much merit but trying to get a judge to agree with you isn't likely to be easy unless you know how to argue the case well and be prepared to back it up with further action if things don't go well.&lt;br /&gt;&lt;br /&gt;Please keep me posted as your situation progresses.&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-7410195668578937463?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-7410195668578937463</guid>
         <pubDate>Wed, 01 Oct 2008 22:23:00 +0000</pubDate>
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         <title>Facing foreclosure in Oklahoma</title>
         <link>http://allexpertsblog.blogspot.com/2008/09/facing-foreclosure-in-oklahoma.html</link>
         <description>Question:  Hello, I got information today from a home investor that LB&amp;amp;N had some type of lien or had attached an $8000.00 dept to my home, I am trying to avoid foreclosure, and am trying to sell fast, as I also have a new job which will have me out of state for 4 weeks starting the 5th of OCT. Any way that $8000.00 would come out of the price I do get for the house, problem is I am getting less than that after pay off.&lt;br /&gt;I have not received any certified mail regarding this, and the last piece of mail I did receive was back in 2002 or 2003, it was for a repossessed car in 2002. I want to call this place tomorrow and ask if they will take less, but after google searching their name to get a phone number and running across nothing but the words &quot;scam&quot; &quot;rip off&quot; and many other negative reports filling the entire first page of the search window I am a bit hesitant. Please I need good advice.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;&lt;img src=&quot;http://www.allexperts.com/qaImages/Collections-Law-912/2008/09/creditwrench_19.png&quot; alt=&quot;Contact information for Creditwrench&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;b&gt;Answer:&lt;/b&gt;&lt;br /&gt;&lt;br /&gt;creditwrench&lt;br /&gt;I certainly would advise against contacting LBN in any way because judgments have a 5 year statute of limitations in Oklahoma. If there has been no collection activity for 5 years after the judgment as entered against you then there is no judgment against you. It is null and void and unenforceable. The fact of the lien may make that a different story but although I don't know what the length of time a lien can remain on a property may be in Oklahoma I think there is a limit on that too. You can do your research on Oklahoma liens here --&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.oscn.net/applications/oscn/Index.asp?ftdb=STOKST42&amp;amp;level=1&quot;&gt;Oklahoma Statute on Liens&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;I would be very hesitant to label LBN as some websites may have done. They hardly fall under the scam classification regardless of what many of their victims may say about them. While indeed they are one of Oklahoma's most aggressive law firms that fact does not make them scam artists by any means.&lt;br /&gt;&lt;br /&gt;You say you are trying to avoid foreclosure by selling the home before it happens? That isn't going to be easy to say the least. If you are going to get less than you owe out of the home then the lender isn't going to let the sale go through. Seems you have some real problems going on and you are going to need some real help if you can't pull out of the foreclosure situation by bringing the not up to date or working something out with the servicer.&lt;br /&gt;&lt;br /&gt;Who is the purported lender in your case? The reason I say &quot;purported&quot; lender is that as you may well know by now is that the note may have been sold on the securities and exchange market.&lt;br /&gt;&lt;br /&gt;You not only need to get busy trying to get those payments up to date or doing something but you also need to get up to speed on the mortgage meltdown situation and how that works.&lt;br /&gt;&lt;br /&gt;The problem also is that while the proposed massive cash influx into the financial arena may shore things up for a while the crash that the politicians are currently trying to stave off isn't likely to work and the economy will crash no matter what they do. If the American economy crashes it will probably make such a huge impact on the entire world that other countries will also see their economies crash setting off a global depression the likes of which are almost unimaginable.&lt;br /&gt;&lt;br /&gt;It also is not an economic crisis it is also a worldwide food shortage that confronts us at the same time. Although most don't understand the full scope of the world's problems today I think they will soon enough and the tasting of it will not be good for anybody.&lt;br /&gt;I've been predicting the oncoming crash for the last two years now. The pinch was actually starting to be felt a year ago in July and maybe even before that. What congress is now proposing as a cure is nothing more than a small bandaid on a gaping wound. Secretary Henry Paulson recently stated that if they don't get this legislation passed in a hurry the situation will soon escalate to the point where companies cannot even pay their employees and will have to close their doors. I predict that is going to happen no matter what they do because it will become a chain reaction. Defaults on credit card debt and automobile loans are escalating rapidly as well. When it is all said and done there won't be enough money in all the world to contain the mess.&lt;br /&gt;&lt;br /&gt;I know you don't want to hear that there may well be no escaping the foreclosure but I would start thinking in those terms while doing all you can to keep it from happening. I'd starto learning how to fight the foreclosure before it starts happening. As soon as it does you will start getting letters from scam artists telling you that they can save your home from foreclosure with their so called mortgage fraud programs and mythical attorneys who will go to court and fight for you. I know of most if not all of those scam artists here in Oklahoma. I'm working with some of the victims of those scams now.&lt;br /&gt;&lt;br /&gt;What happens is that the scammers will have you sign a response to the summons and complaint that looks like it really ought to get the job done but is actually nothing but legal gobble-de-gook that will get you nowhere yet cost you another bundle of money. They will be talking about such foolish ideas as accord &amp;amp; satisfaction, contributory negligence, duress, Estoppel, Fraud, illegality, laches, waiver and regaling you with tales about how their mortgage fraud investigators will scrutinize your mortgage and find all the fraud and RESPA violations so you can sue the lender for those violations.&lt;br /&gt;&lt;br /&gt;They may very well include a long list of interrogatories, demand for admissions and production of documents and the whole thing will look very legitimate. When the attorney returns with a laundry list of cut and past objections they may even be smart enough to file a motion to compel the plaintiff to comply with those demands but when the attorney comes back with an objection your scammer runs out of bullets to fire back with and suddenly they lose interest in your case and you are left hanging out to dry but the attorney is still full of fight.&lt;br /&gt;&lt;br /&gt;The response that the scammers are now providing also include a laundry list of complaints that they file in a counter claim. Most of those counter claims might very well be valid complaints but the proper place to file them is not in local court as a counter claim but in a federal case against the lender. Local judges don't want to hear all that stuff because they are far to busy to go into the lengthy trials that would ensue if they paid them any attention. Their remedy is to simply dismiss your counter claims no matter how valid they may be and move on to give judgment to the plaintiff and you lose. Of course you lose your property and all the money you invested in that but you lose any money you paid the scammers as well.&lt;br /&gt;&lt;br /&gt;The next problem you face is that since you didn't know how bad the scammer's supposed magical cure really is you also can't hire an attorney because you aren't equipped to know whether they are any better than the scammers plus they will cost you much more money than the scammers will. One is as bad as the other.&lt;br /&gt;&lt;br /&gt;There is a good possibility that you will be facing LBN all over again or if not them then Baer, Timberlake &amp;amp; company. Between the two of them they probably do the majority of foreclosures in Oklahoma.&lt;br /&gt;&lt;br /&gt;Of course, I don't know what county you live in but if you live in Oklahoma County I know most of the judges although not personally but I do know what they are like and how they treat defendants. Most are about as friendly as a pack of wolves on a dark and wintery night.&lt;br /&gt;&lt;br /&gt;You might want to call in to my Friday night conference call which starts at 7:00 P.M. central time. The number for that is 712-432-1601 and the pin number is 508548#. You might also want to call in to my Monday night Radio talk show. The number for that is (914) 803-4464 The show starts at 10:00 P.M. central time.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-722213488123703157?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-722213488123703157</guid>
         <pubDate>Thu, 25 Sep 2008 08:48:00 +0000</pubDate>
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         <title>AllExperts Answers - Sent Using Google Toolbar</title>
         <link>http://allexpertsblog.blogspot.com/2008/09/allexperts-answers-sent-using-google.html</link>
         <description>&lt;table&gt;&lt;tbody&gt;&lt;tr&gt;&lt;td&gt;Process of hearing vs trial.&lt;/td&gt;&lt;/tr&gt;    &lt;tr&gt;&lt;td valign=&quot;top&quot;&gt;&lt;b&gt;Question: &lt;/b&gt;&lt;/td&gt;&lt;td valign=&quot;top&quot;&gt;I haven't been served yet, but its coming any day. I can get on the internet and see the hearing is scheduled for October 15Th.  Once I get served by the process server i will immediately file a graduated denial. The quesion I have is , When dO I ask for discovery?? I want to know how they came to the amount they say i owe, are they authorized to collec the debt, past invoices, etc etc etc.&lt;br /&gt;&lt;br /&gt;If I go to the hearing and deny the debt, can I then ask for Discovery or a trial at that time? Or is this first hearing the time where my fate is going to be sealed. I just dont want to show up and teh judge not allow me request the documents I deserve to see to validate the debt. Can I ask for a extension at this time?  Thanks for your help.&lt;br /&gt;&lt;/td&gt;&lt;/tr&gt;    &lt;tr&gt;&lt;td valign=&quot;top&quot;&gt;&lt;b&gt;Answer: &lt;/b&gt;&lt;/td&gt;&lt;td valign=&quot;top&quot;&gt; &lt;div style=&quot;float:right;&quot;&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.allexperts.com/user.cgi?m=17&amp;amp;imgID=8085&quot;&gt;&lt;img src=&quot;http://www.allexperts.com/qaImages/Collections-Law-912/2008/09/creditwrench_17.png&quot; width=&quot;120&quot; border=&quot;0&quot; hspace=&quot;10&quot;/&gt;&lt;br /&gt;&lt;/a&gt;&lt;center&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.allexperts.com/user.cgi?m=17&amp;amp;imgID=8085&quot;&gt;&lt;span style=&quot;font-size:85%;&quot;&gt;creditwrench&lt;/span&gt;&lt;/a&gt;&lt;/center&gt; &lt;/div&gt; &lt;span style=&quot;font-size:85%;&quot;&gt;Send all your discovery requests to the plaintiff's attorney at the same time you send your denial.&lt;br /&gt;&lt;br /&gt;The plaintiff's attorney will be likely to object to or deny or refuse to answer as many of your requests as possible. If they don't object, deny or refuse to answer any question or demand you might want to&lt;br /&gt;File a Motion to Compel and set it for hearing. Support your motion with a memorandum, showing why the judge should compel production. At the hearing ask the court to enter an Order Compelling Production, giving the other side a set period of time to respond. If the judge refuses to do that you might try to demand that the judge recuse himself/herself. If you do the judge is likely to deny that too. If so then ask for an in camera hearing on the recusal demand. That is likely to get denied too. If so you will have to move to the next steps in getting the judge recused. Getting a judge recused isn't all that hard to do but it does take time and know how. You must understand the process and follow all the steps, taking it to the appellate level if necessary.&lt;br /&gt;&lt;br /&gt;If they don't obey the second order, file a Motion for Contempt and set it for hearing. At the hearing, if your opponent has not yet produced what he was ordered to produce, the judge will probably have him jailed on the spot and kept in jail until the documents are produced.&lt;br /&gt;&lt;br /&gt;If he isn't jailed immediately, the judge may give him a few hours to comply before issuing an arrest warrant. The goal of every lawsuit is a judgment or other court orders that favor your cause. The power of a judge's pen to order civilian law enforcement officers to take your opponent into custody if he disobeys the court's orders is your power to win!&lt;br /&gt;&lt;br /&gt;You can make our American legal system work for you. Once you know how to play your cards the right way. The only real hurdle to getting your way is having the fortitude to stand up and say the right things at the right time and in the right way.&lt;br /&gt;&lt;br /&gt;Know the law and how to use it isn't rocket science. Anyone can do it.&lt;br /&gt;Anyone can also learn how to take the lawyer and his client to federal court and win there. Federal court is much less stressful because you will almost never have to actually see the inside of a federal courtroom. Most cases are handled over the internet, by phone or by email so it is much less stressful that way.&lt;br /&gt;&lt;br /&gt;&lt;p&gt; RECOMMENDED READING&lt;br /&gt;&lt;br /&gt;Subscribe to Creditwrench mailing list. It is free and very informative. .&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;See all my questions and how I answered them. Just enter your email address in the box below, choose whether you want individual emails or just a daily digest of all messages posted each day. 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 &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;Mike JM tells about his experiences in federal court&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;Mike JM tells about Greentree Financial case.&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/Larry.mp3&quot;&gt;Listen to this student tell how he got $10,000 from a federal case against Capital One&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;Mark in Rhode Island gets settlement offer&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt; Statute of Limitations for all states &lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;How to set up your hard drive for creditwrench files.&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;  Makes them easy to find.&lt;br /&gt;&lt;br /&gt;&lt;/li&gt;&lt;/ol&gt;&lt;br /&gt;&lt;p&gt;&lt;br /&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;&lt;br /&gt;Dial-in Number: (712) 432-1601&lt;br /&gt;&lt;br /&gt;Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;__________________&lt;br /&gt;Try this great new search engine!&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.scour.com/invite&quot;&gt;It pays you cash money for every search you do!&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;How about a search engine on steroids? It acts like an RSS feed for most other search engines. Between these two you shouldn't ever need anything else. Use these two for all your searches. You will be glad you did.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://addictomatic.com/topic/creditwrench&quot;&gt;Addictomatic Search engine&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! 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It is another payment service just like Paypal but much better. Give it a try. You have nothing to lose and at least $10.00 to gain.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/ReferAFriend_landing.aspx?referreremail=ceo@credit%20%20wrench.com&amp;amp;SOLID=rafbtn893313a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/images/raf_signup.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;If you liked this article please consider a small donation to the author. You can sign up and get the $10 cash and use a buck or so to tip the author with. Costs you nothing that way.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/paybyrmx.aspx?sellertype=PAY&amp;amp;selleremail=ceo@creditwrench.com&amp;amp;amount=&amp;amp;desc=&amp;amp;SolID=bnbtn893413a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/Images/Buy-Now.gif&quot; alt=&quot;Revolution Money Exchange logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://technorati.com/faves?sub=addfavbtn&amp;amp;add=http://open.salon.com/user_blog.php?uid=1979&quot;&gt;&lt;img src=&quot;http://static.technorati.com/pix/fave/btn-fave2.png&quot; alt=&quot;Technorati logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/FDCPA&quot;&gt;FDCPA&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Before you go, stop and think about this. Its all about fighting poverty. Although we may go through our daily routines without realinzed it, the number of homeless people is growing rapidly. While many of the homeless have drug or alchol problems many are simply people who are homeless because of mortgage foreclosures and other financially related problems. I have armed you with a great deal of information about how to deal with debt collectors who can easily beat you out of your hard earned cash and make you the next victim of poverty. Help fight poverty (yours) by keeping your cash in your pocket. Creditwrench teaches you how to do exactly that.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;/p&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-959961342034609385?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-959961342034609385</guid>
         <pubDate>Wed, 17 Sep 2008 08:41:00 +0000</pubDate>
      </item>
      <item>
         <title>Do I have to attend court-ordered mediation&amp;hellip;</title>
         <link>http://allexpertsblog.blogspot.com/2008/09/do-i-have-to-attend-court-ordered.html</link>
         <description>Do I have to attend court-ordered mediation sessions? I do not want to attend this mediation. Thanks&lt;br /&gt;No, you don't have to attend the court ordered mediation. But failure to attend is likely to make you wish you had attended.&lt;br /&gt;&lt;br /&gt;If you do attend you can refuse to mediate and take it to a judicial hearing. Of course, I'm sure you won't want to go to that hearing either so you can just not attend and let them get a judgment, garnish your wages, bank accounts or whatever else you might own that is legal for them to take under the federal and state laws. How would you like to wake up one day to the fact that you had just paid your bills and every check you wrote bounced causing a $25.00 or more service fee plus the bank charged you a hundred or so garnishment processing fee and you went to work only to find out that in the future you will be taking home 25% less money to pay all your bills with?&lt;br /&gt;&lt;br /&gt;Now what do you want to do, go or not go? But as usual, that's not the rest of the story which is that almost no matter which path you choose to take the results are probably going to be the same. But a fork in the road don't always leave only two choices. Sometimes there are multiple paths to choose from and this is one of those road forks that has multiple paths going in different directions. One of them leads to a dead end dropoff into a deep canyon with a raging river at the bottom. Another leads to a similar fate and the third ends up on a sort of turntable something along the lines of those used in railroad yards to turn the trains around so they can make the return trip. But this turntable is a bit on the tricky side because you have to learn how to manipulate the levers and switches that make it work.&lt;br /&gt;&lt;br /&gt;I've got to run to a meeting with a local student of mine here in Oklahoma City who lost his home to foreclosure the 8th of this month.&lt;br /&gt;Now comes the Sheriff's sale and then the final confirmation hearing. Then they will evict him and throw all his belongings out on the curb if he don't do something to put a stop to it. He is pretty dejected and miserable at this point because his job is taking him out of town for the next month or so. What is he to do?&lt;br /&gt;&lt;br /&gt;Never fear, Creditwrench is here. I've prepared his turntable for him and he will go jump on it today. The attorney for the plaintiff forgot at least one or more little details such as the fact that his wife never signed any papers whatever but they sued her too. That is called mis-joinder of the parties. She can file a motion to vacate based on that fact. Mis-joinder of the parties. That should easily get the judgment vacated. Lawyers just hate to get sued for having wrongfully mis-joined someone to a lawsuit. Usually ends up costing them a bundle of money when the injured party sues them for their little mistake. This one ought to be worth somewhere between $50 to $100 Thousand.&lt;br /&gt;&lt;br /&gt;But the train isn't going to stop there. We have multiple causes of action under FDCPA, FCRA, TILA and RESPA as well. This train is going to federal court.&lt;br /&gt;&lt;br /&gt;So what do you want to do now? Refuse to go or start learning how to operate your own personal turntable?&lt;br /&gt;&lt;br /&gt;Here is where you can start learning&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;Forum&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;p&gt; RECOMMENDED READING&lt;br /&gt;  Subscribe to Creditwrench mailing list. It is free and very informative. .&lt;br /&gt;&lt;br /&gt;See all my questions and how I answered them. Just enter your email address in the box below, choose whether you want individual emails or just a daily digest of all messages posted each day. 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Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt; Dial-in Number: (712) 432-1601&lt;br /&gt;  Access code: 508548#&lt;br /&gt;   You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;br /&gt; __________________&lt;br /&gt;Try this great new search engine!&lt;br /&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.scour.com/invite&quot;&gt;It pays you cash money for every search you do!&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How about a search engine on steroids? It acts like an RSS feed for most other search engines. Between these two you shouldn't ever need anything else. Use these two for all your searches. You will be glad you did.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://addictomatic.com/topic/creditwrench&quot;&gt;Addictomatic Search engine&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! 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It is another payment service just like Paypal but much better. Give it a try. You have nothing to lose and at least $10.00 to gain.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/ReferAFriend_landing.aspx?referreremail=ceo@credit%20%20wrench.com&amp;amp;SOLID=rafbtn893313a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/images/raf_signup.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;If you liked this article please consider a small donation to the author. You can sign up and get the $10 cash and use a buck or so to tip the author with. Costs you nothing that way.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/paybyrmx.aspx?sellertype=PAY&amp;amp;selleremail=ceo@creditwrench.com&amp;amp;amount=&amp;amp;desc=&amp;amp;SolID=bnbtn893413a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/Images/Buy-Now.gif&quot; alt=&quot;Revolution Money Exchange logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://technorati.com/faves?sub=addfavbtn&amp;amp;add=http://open.salon.com/user_blog.php?uid=1979&quot;&gt;&lt;img src=&quot;http://static.technorati.com/pix/fave/btn-fave2.png&quot; alt=&quot;Technorati logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/FDCPA&quot;&gt;FDCPA&lt;/a&gt;&lt;br /&gt;Before you go, stop and think about this. Its all about fighting poverty. Although we may go through our daily routines without realinzed it, the number of homeless people is growing rapidly. While many of the homeless have drug or alchol problems many are simply people who are homeless because of mortgage foreclosures and other financially related problems. I have armed you with a great deal of information about how to deal with debt collectors who can easily beat you out of your hard earned cash and make you the next victim of poverty. Help fight poverty (yours) by keeping your cash in your pocket. Creditwrench teaches you how to do exactly that.&lt;br /&gt;&lt;/p&gt;&lt;hr /&gt;This post is part of &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://blogactionday.org/&quot;&gt;Blog Action Day 08 - Poverty&lt;/a&gt;&lt;br /&gt;&lt;div id=&quot;jabbify&quot;&gt;&lt;div style=&quot;&quot; id=&quot;jab_outer&quot;&gt;         &lt;div id=&quot;jab_inner&quot;&gt;                          &lt;div id=&quot;floating_messages&quot;&gt;              &lt;div style=&quot;background-image:none;background-color:Gray;height:10px;font-size:8px;&quot; id=&quot;jab_totals&quot; class=&quot;jab_up&quot;&gt;5 people chatting&lt;/div&gt;                 &lt;div id=&quot;jab_bottom&quot; style=&quot;display:none;&quot;&gt;                     &lt;div id=&quot;jab_messages&quot;&gt;               &lt;div class=&quot;jabbify_message&quot;&gt;             &lt;cite&gt;Chris&lt;/cite&gt;:              &lt;p&gt;Hey is any one thier&lt;/p&gt;         &lt;/div&gt;                                      &lt;div class=&quot;&quot;&gt;             &lt;p&gt;I had a simple question regarding the Discovery phase&lt;/p&gt;         &lt;/div&gt;                          &lt;div class=&quot;jab_timestamp&quot;&gt;             8/26/08 11:20pm            &lt;/div&gt;                          &lt;div class=&quot;jabbify_message current_user_message&quot;&gt;             &lt;cite&gt;&lt;a rel=&quot;nofollow&quot; title=&quot;http://www.creditwrench.com&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;me&lt;/a&gt;&lt;/cite&gt;:              &lt;p&gt;Yes, are you still there?&lt;/p&gt;         &lt;/div&gt;                                   &lt;div class=&quot;jab_timestamp current_user_message&quot;&gt;             8/27/08 10:44pm            &lt;/div&gt;                          &lt;div class=&quot;current_user_message&quot;&gt;             &lt;p&gt;Anybody here?&lt;/p&gt;         &lt;/div&gt;                             &lt;div class=&quot;current_user_message&quot;&gt;             &lt;p&gt;Anybody here to chat?&lt;/p&gt;         &lt;/div&gt;                          &lt;div class=&quot;jab_timestamp current_user_message&quot;&gt;             8/28/08 8:45pm            &lt;/div&gt;                          &lt;div class=&quot;jabbify_message&quot;&gt;             &lt;cite&gt;Erin&lt;/cite&gt;:              &lt;p&gt;Anybody here?&lt;/p&gt;         &lt;/div&gt;                                   &lt;div class=&quot;jab_timestamp&quot;&gt;             8/28/08 11:34pm            &lt;/div&gt;                          &lt;div class=&quot;jabbify_message&quot;&gt;             &lt;cite&gt;&lt;a rel=&quot;nofollow&quot; title=&quot;http://Hello&quot; target=&quot;_blank&quot; href=&quot;http://hello/&quot;&gt;Lauren&lt;/a&gt;&lt;/cite&gt;:              &lt;p&gt;Hello?&lt;/p&gt;         &lt;/div&gt;                                      &lt;div class=&quot;&quot;&gt;             &lt;p&gt;Anybody online?&lt;/p&gt;         &lt;/div&gt;                          &lt;div class=&quot;jab_timestamp&quot;&gt;             8/30/08 3:02am            &lt;/div&gt;                          &lt;div class=&quot;jabbify_message current_user_message&quot;&gt;             &lt;cite&gt;&lt;a rel=&quot;nofollow&quot; title=&quot;http://www.creditwrench.com&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;me&lt;/a&gt;&lt;/cite&gt;:              &lt;p&gt;If you want to chat call me at (405) 237-2174 or (405) 227-9423 and I'll be glad to talk to you anytime including Saturdays, Sundays and Holidatys. &lt;/p&gt;         &lt;/div&gt;                                   &lt;div class=&quot;jab_timestamp current_user_message&quot;&gt;             8/31/08 4:19am            &lt;/div&gt;                          &lt;div class=&quot;jabbify_message&quot;&gt;             &lt;cite&gt;ron&lt;/cite&gt;:              &lt;p&gt;here&lt;/p&gt;         &lt;/div&gt;                                      &lt;div class=&quot;&quot;&gt;             &lt;p&gt;jersey ron here!&lt;/p&gt;         &lt;/div&gt;                          &lt;div class=&quot;jab_timestamp&quot;&gt;             9/1/08 7:02am            &lt;/div&gt;                          &lt;div class=&quot;jabbify_message&quot;&gt;             &lt;cite&gt;&lt;a rel=&quot;nofollow&quot; title=&quot;http://creditwrench.com&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.com/&quot;&gt;lynn&lt;/a&gt;&lt;/cite&gt;:              &lt;p&gt;hey who knows Maish davis w/capitol one doing false declarations?&lt;/p&gt;         &lt;/div&gt;                                  &lt;div class=&quot;jab_timestamp&quot;&gt;             7:21am           &lt;/div&gt;      &lt;/div&gt;                  &lt;div id=&quot;jab_form&quot;&gt;                                                      &lt;form target=&quot;_blank&quot; id=&quot;jab_message&quot;&gt;     &lt;div id=&quot;jab_errors&quot; style=&quot;display:none;&quot;&gt;error&lt;/div&gt;     &lt;textarea cols=&quot;18&quot; rows=&quot;1&quot; style=&quot;&quot; id=&quot;message_message&quot;&gt;&lt;/textarea&gt; &lt;/form&gt; &lt;div id=&quot;jab_options&quot;&gt;          &lt;a rel=&quot;nofollow&quot; title=&quot;show chat window&quot; id=&quot;jab_logo&quot; class=&quot;selected&quot;&gt;         jabbify        &lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; title=&quot;List of other users chatting&quot; id=&quot;jab_users&quot; class=&quot;&quot;&gt;users&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; title=&quot;Change your personal settings&quot; id=&quot;jab_set&quot; class=&quot;&quot;&gt;settings&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; title=&quot;Pop out into a new window&quot; id=&quot;jab_pop&quot;&gt; &lt;/a&gt; &lt;/div&gt;                                              &lt;/div&gt;                 &lt;/div&gt;       &lt;/div&gt;         &lt;/div&gt; &lt;/div&gt;&lt;/div&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-3783970829956296742?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-3783970829956296742</guid>
         <pubDate>Tue, 02 Sep 2008 14:02:00 +0000</pubDate>
      </item>
      <item>
         <title>Collections Law</title>
         <link>http://allexpertsblog.blogspot.com/2008/08/collections-law.html</link>
         <description>&lt;h1&gt;Collections Law&lt;/h1&gt;&lt;br /&gt;&lt;h3&gt;Subject:  Physician payment&lt;/h3&gt;&lt;br /&gt;&lt;h3&gt;Question:&lt;/h3&gt;  My daughter underwent surgery in January and I have been billed for the amount over the insurance coverage.  I have paid one of the bills as I can afford, $200 here and $100 there.  They are now threatening action against me.  If I am attempting to pay the bill, can they turn the case over to collection agency?&lt;br /&gt;&lt;br /&gt;&lt;h3&gt;Answer:&lt;/h3&gt;  Yes, they can and they probably will.&lt;br /&gt;&lt;br /&gt;You should probably hope they do and the quicker the better.&lt;br /&gt;&lt;br /&gt;Don't make the mistake of paying or even admitting that you owe the bill. Don't even take a chance of resetting the statute of limitations that way. It started when you made your last payment to the hospital plus 30 days. It will stop tolling if and when they file a lawsuit to collect the money.&lt;br /&gt;&lt;br /&gt;Here are your remedies or at least some of them.&lt;br /&gt;&lt;br /&gt;First of all get  yourself a good digital voice recorder and make sure it has a means of connecting it to your computer via the USB port.&lt;br /&gt;&lt;br /&gt;Then get yourself a small black telephone recording controller from Radio Shack and be prepared to record all phone calls. Learn to record all calls. You can always erase those that you don't want to keep.&lt;br /&gt;&lt;br /&gt;Be pepared to also make a written history of all calls to your home coming from the debt collector. Keep a record of the date, time, length of call, phone number showing up on caller I.D. and a short transcript of what was said.&lt;br /&gt;&lt;br /&gt;When they call be certain that you tell them that you dispute the debt and demand that they validate the debt. Do it every time they call. Keep on demanding. Don't stop even though they try to tell you that the debt has already been validated.  Often debt collectors will ask how you want them to validate the debt. The appropriate answer is &quot;You are supposed to know how the debt must be validated. If you don't know go ask your boss and if your boss don't know either then you ought to go find a boss who does know.&quot;&lt;br /&gt;&lt;br /&gt;Of course they will probably ask you if you are refusing to pay the debt or they will report you to the creditor as refusing to pay. Don't worry about it if they do.&lt;br /&gt;&lt;br /&gt;As soon as you get their first dunning letter you should respond with a written demand for validation/dispute of the debt. Send it certified mail, return receipt requested. Their written demand for payment must be received by you within 5 days after their initial contact by any means including putting it on your credit reports.&lt;br /&gt;&lt;br /&gt;Their initial contact letter must have a notice that you have 30 days to dispute the debt or any portion thereof. If it does not that is a violation of the FDCPA and is a valid cause of action against them in federal court.&lt;br /&gt;&lt;br /&gt;There are many more violations that they can a maybe will commit and you should learn them all and keep careful records outlining each and every one. Your written record can become the history you will need to take them to federal court and sue them for those violations. Don't let that frighten you. It isn't all that difficult to do. You don't even need a lawyer to help you do it. Just learn how to do it yourself.&lt;br /&gt;&lt;br /&gt;It is really the only hope you have to make them go away even if they end up getting a judgment against you.&lt;br /&gt;&lt;br /&gt;The law was made to help you in the likely event that you are abused by a debt collector. The law is powerful and you can make it work for you. All you have to do is learn how and it isn't all that hard.&lt;br /&gt;&lt;br /&gt;Bill Bauer&lt;br /&gt;405-227-9423&lt;br /&gt;405-684-9297 This number will change in a few days.&lt;br /&gt;See my website at http://www.creditwrnech.com for much more information to help you.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/http;/www.creditwrench.com&quot;&gt;&lt;img src=&quot;http://www.creditwrench.com/creditwrenchlogo.png&quot; alt=&quot;creditwrench logo&quot; width=&quot;400&quot; border=&quot;0&quot;/&gt;&lt;/a&gt; &lt;p&gt; RECOMMENDED READING&lt;br /&gt;   Subscribe to Creditwrench mailing list. It is free and very informative. .&lt;br /&gt;&lt;br /&gt;See all my questions and how I answered them. Just enter your email address in the box below, choose whether you want individual emails or just a daily digest of all messages posted each day. You can unsubscribe any time you wish&lt;br /&gt;&lt;/p&gt;      &lt;img src=&quot;http://groups.google.com/groups/img/3nb/groups_bar.gif&quot; alt=&quot;Google Groups&quot; width=&quot;132&quot; height=&quot;26&quot;/&gt;         &lt;b&gt;Subscribe to Creditwrench&lt;/b&gt;      &lt;form target=&quot;_blank&quot; action=&quot;http://groups.google.com/group/creditwrench/boxsubscribe&quot;&gt;      Email: &lt;input name=&quot;email&quot; type=&quot;text&quot;&gt;   &lt;input name=&quot;sub&quot; value=&quot;Subscribe&quot; type=&quot;submit&quot;&gt;    &lt;/form&gt; &lt;div style=&quot;height:350px;width:300px;&quot;&gt;&lt;/div&gt;&lt;table style=&quot;padding:5px;background-color:rgb(255, 255, 255);&quot; border=&quot;0&quot; cellspacing=&quot;0&quot;&gt; &lt;/table&gt; &lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feeds.feedburner.com/%7Er/CreditwrenchGoogleGroup/%7E6/1&quot;&gt;&lt;img alt=&quot;Creditwrench Newsletter&quot; style=&quot;border:0pt none;&quot; src=&quot;http://feeds.feedburner.com/CreditwrenchGoogleGroup.1.gif&quot;/&gt;&lt;/a&gt;&lt;/p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.feedburner.com/fb/a/headlineanimator/install?id=2225154&amp;amp;w=1&quot;&gt;↑ Grab this Headline Animator&lt;/a&gt; &lt;br /&gt;&lt;ol&gt;&lt;li&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;FDCPA EXPERT &lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/fajoson&quot;&gt;Reverse phone number look up&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;List of community property states&lt;/a&gt; &lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;How to answer a summons&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;/ol&gt;  LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;ol&gt;&lt;li&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;Mike JM tells about his experiences in federal court&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;Mike JM tells about Greentree Financial case.&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/Larry.mp3&quot;&gt;Listen to this student tell how he got $10,000 from a federal case against Capital One&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;Mark in Rhode Island gets settlement offer&lt;/a&gt; &lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt; Statute of Limitations for all states &lt;/a&gt;&lt;br /&gt;&lt;/li&gt;&lt;li&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;How to set up your hard drive for creditwrench files.&lt;/a&gt;&lt;br /&gt;    Makes them easy to find.&lt;br /&gt;&lt;/li&gt;&lt;/ol&gt;  &lt;p&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;  Dial-in Number: (712) 432-1601&lt;br /&gt;   Access code: 508548#&lt;br /&gt;    You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night. &lt;br /&gt;  __________________&lt;br /&gt;Try this great new search engine!&lt;br /&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.scour.com/invite&quot;&gt;It pays you cash money for every search you do!&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How about a search engine on steroids? It acts like an RSS feed for most other search engines. Between these two you shouldn't ever need anything else. Use these two for all your searches. You will be glad you did.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://addictomatic.com/topic/creditwrench&quot;&gt;Addictomatic Search engine&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! Try it!&lt;/a&gt;   &lt;br /&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench - The lethal weapon against debt collectors&lt;br /&gt;  &lt;/a&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://Mailto:ceo@creditwrench.com/&quot;&gt;ceo@creditwrench.com&lt;/a&gt;&lt;br /&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;Creditwrench Blog&lt;/a&gt; &lt;span style=&quot;color:red;&quot;&gt;&lt;strong&gt;&lt;br /&gt;  (405) 684-9297- CALL ANYTIME&lt;br /&gt;    (405) 684-9297 FAX NUMBER&lt;br /&gt;  (405) 227-9423 - CALL ANYTIME &lt;br /&gt;  (405) 384-4508 - CALL ANYTIME&lt;/strong&gt;&lt;/span&gt; &lt;/p&gt;   &lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/Creditwrench.gif&quot; alt=&quot;Creditwrench RSS feed&quot;/&gt;&lt;/a&gt;&lt;span style=&quot;color:red;&quot;&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feeds.feedburner.com/%7Er/google/QhuW/%7E6/1&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/google/QhuW.1.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;If you click on the banner below and sign up you get $10.00 cash money just for signing up. It is another payment service just like Paypal but much better. Give it a try. You have nothing to lose and at least $10.00 to gain.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/ReferAFriend_landing.aspx?referreremail=ceo@credit%20%20wrench.com&amp;amp;SOLID=rafbtn893313a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/images/raf_signup.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;If you liked this article please consider a small donation to the author. You can sign up and get the $10 cash and use a buck or so to tip the author with. Costs you nothing that way.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/paybyrmx.aspx?sellertype=PAY&amp;amp;selleremail=ceo@creditwrench.com&amp;amp;amount=&amp;amp;desc=&amp;amp;SolID=bnbtn893413a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/Images/Buy-Now.gif&quot; alt=&quot;Revolution Money Exchange logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://technorati.com/faves?sub=addfavbtn&amp;amp;add=http://open.salon.com/user_blog.php?uid=1979&quot;&gt;&lt;img src=&quot;http://static.technorati.com/pix/fave/btn-fave2.png&quot; alt=&quot;Technorati logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/FDCPA&quot;&gt;FDCPA&lt;/a&gt;&lt;br /&gt;Before you go, stop and think about this. Its all about fighting poverty. Although we may go through our daily routines without realinzed it, the number of homeless people is growing rapidly. While many of the homeless have drug or alchol problems many are simply people who are homeless because of mortgage foreclosures and other financially related problems. I have armed you with a great deal of information about how to deal with debt collectors who can easily beat you out of your hard earned cash and make you the next victim of poverty. Help fight poverty (yours) by keeping your cash in your pocket. Creditwrench teaches you how to do exactly that.&lt;br /&gt;&lt;/p&gt;&lt;hr /&gt;This post is part of &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://blogactionday.org/&quot;&gt;Blog Action Day 08 - Poverty&lt;/a&gt;&lt;br /&gt;&lt;div id=&quot;jabbify&quot;&gt;&lt;div style=&quot;&quot; id=&quot;jab_outer&quot;&gt;         &lt;div id=&quot;jab_inner&quot;&gt;                          &lt;div id=&quot;floating_messages&quot;&gt;              &lt;div id=&quot;jab_totals&quot; class=&quot;jab_down&quot;&gt;3 people chatting&lt;/div&gt;                 &lt;div id=&quot;jab_bottom&quot; style=&quot;&quot;&gt;                     &lt;div style=&quot;&quot; id=&quot;jab_messages&quot;&gt;               &lt;div class=&quot;jabbify_message&quot;&gt;             &lt;cite&gt;Chris&lt;/cite&gt;:              &lt;p&gt;Hey is any one thier&lt;/p&gt;         &lt;/div&gt;                                      &lt;div class=&quot;&quot;&gt;             &lt;p&gt;I had a simple question regarding the Discovery phase&lt;/p&gt;         &lt;/div&gt;                         &lt;div class=&quot;jab_timestamp&quot;&gt;             8/26/08 11:20pm           &lt;/div&gt;                     &lt;div class=&quot;jabbify_message current_user_message&quot;&gt;             &lt;cite&gt;&lt;a rel=&quot;nofollow&quot; title=&quot;http://www.creditwrench.com&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;me&lt;/a&gt;&lt;/cite&gt;:              &lt;p&gt;Yes, are you still there?&lt;/p&gt;         &lt;/div&gt;                                                     &lt;div class=&quot;current_user_message&quot;&gt;             &lt;p&gt;Anybody here?&lt;/p&gt;         &lt;/div&gt;                                            &lt;div class=&quot;current_user_message&quot;&gt;             &lt;p&gt;Anybody here to chat?&lt;/p&gt;         &lt;/div&gt;                             &lt;/div&gt;                  &lt;div id=&quot;jab_form&quot;&gt;&lt;form target=&quot;_blank&quot; id=&quot;jab_message&quot;&gt;     &lt;div id=&quot;jab_errors&quot; style=&quot;display:none;&quot;&gt;error&lt;/div&gt;     &lt;textarea cols=&quot;18&quot; rows=&quot;1&quot; style=&quot;&quot; id=&quot;message_message&quot;&gt;&lt;/textarea&gt; &lt;/form&gt; &lt;div id=&quot;jab_options&quot;&gt;          &lt;a rel=&quot;nofollow&quot; title=&quot;show chat window&quot; id=&quot;jab_logo&quot; class=&quot;selected&quot;&gt;         jabbify        &lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; title=&quot;List of other users chatting&quot; id=&quot;jab_users&quot; class=&quot;&quot;&gt;users&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; title=&quot;Change your personal settings&quot; id=&quot;jab_set&quot; class=&quot;&quot;&gt;settings&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; title=&quot;Pop out into a new window&quot; id=&quot;jab_pop&quot;&gt; &lt;/a&gt; &lt;/div&gt;&lt;/div&gt;                 &lt;/div&gt;       &lt;/div&gt;         &lt;/div&gt; &lt;/div&gt;&lt;/div&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-4838496377881648271?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-4838496377881648271</guid>
         <pubDate>Thu, 28 Aug 2008 20:41:00 +0000</pubDate>
      </item>
      <item>
         <title>U.S. Maagistrate Judge Bristow Marchant</title>
         <link>http://allexpertsblog.blogspot.com/2008/08/us-maagistrate-judge-bristow-marchant.html</link>
         <description>&lt;h1&gt;Debt Elimination&lt;/h1&gt;&lt;br /&gt;&lt;h2&gt;Question:&lt;/h2&gt;&lt;br /&gt;I'm sure you get this all the time - where does someone start if we just cant make ends meet anymore!  I have all this debt and had to refinance my house to get out of an ARM Mortgage.  We were looking into debt elimination, debt settlement and the &quot;Brad Daley&quot; program using the Assignment of Debt.  From reading your post it looks like you use different methods -- I'd appreciate any input or direction you may have.&lt;br /&gt;&lt;br /&gt;&lt;h2&gt;Answer:&lt;/h2&gt;&lt;br /&gt;I certainly do use different methods. I vehemently disagree with such scams as those you mentioned. The reason is that I do all the above and more without using any half-baked schemes. My method does debt elimination because it teaches how to determine whether or not the debt collector has violated federal law and how to take them to federal court and make them pay the debt in most cases. I say &quot;in most cases&quot; because if the consumer owes a huge debt and their violations are minimal then one cannot hope to wipe it all out.&lt;br /&gt;&lt;br /&gt;My method teaches how to do debt settlement too and the description for debt settlement is exactly the same as above.&lt;br /&gt;&lt;br /&gt;Assignment of debt is nothing more or less than a pure scam. You cannot assign your debt to anyone else. Some of those assignment scams have you incorporate your ALL CAPS NAME and assign your debts to your ALL CAPS NAME. Of course, your all caps name corporation is just as broke as you are. The all caps name is called your strawman. I sat through a couple of hours of talks given by some idiot telling us all about how great he thought that idea was. There is very little that could disgust me more than that nonsense because back in 2004 &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/06-18-04.html&quot;&gt;U.S. District Magistrate Judge Bristow Marchant&lt;/a&gt; heard a case before his court in which two dumbos filed a case trying to get the judge to overturn a case they had lost in their local court system. They signed their names in all caps and even put a copyright symbol after their names. Federal judges do not have the power to overturn state court judgments.&lt;br /&gt;&lt;br /&gt;In his scathing decision Judge Marchant falsely accused me and a good friend of mine, Richard Cornforth, of teaching that garbage on the internet. I got wind of his decision and posted an article about it on my creditwrench blog. The article and a link to the actual decision is to be found at http://www.creditwrench.com/06-18-04.html I have never taught that kind of nonsense and I'm not about to forget being falsely accused anytime soon.&lt;br /&gt;&lt;br /&gt;http://www.shrinkmylink.com/jwrqson&lt;br /&gt;Bill Bauer&lt;br /&gt;405-237-2174&lt;br /&gt;405-227-9423&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/http;/www.creditwrench.com&quot;&gt;&lt;br /&gt;&lt;/a&gt; &lt;p&gt; RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list. It is free and very informative. .&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt;&lt;br /&gt;Creditwrench  email. See all my questions and how I answered them. Just send an email to&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;Statute of Limitations for all states &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;Dial-in Number: (712) 432-1601&lt;br /&gt;Access code: 508548#&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;br /&gt;__________________&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/qlmqson&quot;&gt;http://shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;Try this great new search engine! &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! Try it!&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench - The lethal weapon against debt collectors&lt;br /&gt;&lt;/a&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://Mailto:ceo@creditwrench.com/&quot;&gt;ceo@creditwrench.com&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;Creditwrench Blog&lt;/a&gt; &lt;span style=&quot;color:red;&quot;&gt;&lt;strong&gt;&lt;br /&gt;(405) 237-2174- CALL ANYTIME&lt;br /&gt;(405) 684-9297 FAX NUMBER&lt;br /&gt;(405) 227-9423 - CALL ANYTIME&lt;br /&gt;(405) 384-4508 - CALL ANYTIME&lt;/strong&gt;&lt;/span&gt;&lt;/p&gt; &lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/Creditwrench.gif&quot; alt=&quot;Creditwrench RSS feed&quot;/&gt;&lt;/a&gt;&lt;span style=&quot;color:red;&quot;&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feeds.feedburner.com/%7Er/google/QhuW/%7E6/1&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/google/QhuW.1.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;/span&gt;&lt;br /&gt;&lt;br /&gt;If you click on the banner below and sign up you get $10.00 cash money just for signing up. It is another payment service just like Paypal but much better. Give it a try. You have nothing to lose and at least $10.00 to gain.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/ReferAFriend_landing.aspx?referreremail=ceo@credit%20%20wrench.com&amp;amp;SOLID=rafbtn893313a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/images/raf_signup.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;If you liked this article please consider a small donation to the author. You can sign up and get the $10 cash and use a buck or so to tip the author with. Costs you nothing that way.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;https://www.revolutionmoneyexchange.com/paybyrmx.aspx?sellertype=PAY&amp;amp;selleremail=ceo@creditwrench.com&amp;amp;amount=&amp;amp;desc=&amp;amp;SolID=bnbtn893413a&quot;&gt;&lt;img src=&quot;https://www.revolutionmoneyexchange.com/Images/Buy-Now.gif&quot; alt=&quot;Revolution Money Exchange logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://technorati.com/faves?sub=addfavbtn&amp;amp;add=http://open.salon.com/user_blog.php?uid=1979&quot;&gt;&lt;img src=&quot;http://static.technorati.com/pix/fave/btn-fave2.png&quot; alt=&quot;Technorati logo&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/FDCPA&quot;&gt;FDCPA&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/creditwrench&quot;&gt;Creditwrench&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/debt+consolidation&quot;&gt;debt elimination&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/debt+elimination&quot;&gt;debt eliminationtion&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/paypal&quot;&gt;paypal&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/strawman&quot;&gt;strawman&lt;/a&gt;&lt;br /&gt;Before you go, stop and think about this. Its all about fighting poverty. Although we may go through our daily routines without realinzed it, the number of homeless people is growing rapidly. While many of the homeless have drug or alchol problems many are simply people who are homeless because of mortgage foreclosures and other financially related problems. I have armed you with a great deal of information about how to deal with debt collectors who can easily beat you out of your hard earned cash and make you the next victim of poverty. Help fight poverty (yours) by keeping your cash in your pocket. Creditwrench teaches you how to do exactly that.&lt;br /&gt;&lt;/p&gt;&lt;hr /&gt;This post is part of &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://blogactionday.org/&quot;&gt;Blog Action Day 08 - Poverty&lt;/a&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-791111043988482618?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-791111043988482618</guid>
         <pubDate>Sat, 16 Aug 2008 13:40:00 +0000</pubDate>
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         <title>False and misleading information</title>
         <link>http://allexpertsblog.blogspot.com/2008/08/false-and-misleading-information.html</link>
         <description>&lt;h1&gt;False and misleading information&lt;/h1&gt;&lt;br /&gt;&lt;br /&gt;&lt;h3&gt;Question:&lt;/h3&gt; &lt;br /&gt;In 2005 we helped family members residing in Pass Christian Ms financially related to Hurricane Katrina. This made us late on payments and the default rate drove us to  send Citibank our reasons for foregoing payments and at that time offered to settle for 1/2 debt making payments.&lt;br /&gt;&lt;br /&gt;We had other accounts that closed and took this type of arrangement but not Citibank. Since 2006 we have had multiple summons to the local Civil Court here in Ky. all from different lawyers in the same law firm. They have worked the debt from $4,6.00 to $8,000.00 plus. We could not afford that then and cannot now.&lt;br /&gt;&lt;br /&gt;With each new lawyer  from this same law firm I ask for debt validation and no debt validation has been rendered.(They send copies of statements and call it validation)&lt;br /&gt;&lt;br /&gt;I certify my letters but this last time a lawyer did not respond at all, except to send a summons via regular mail. I wrote the court immediately that I received the letter regular mail, and when I went to the courts website the docket did not have the summons posted for hearing. So to prove I sent a validation request I sent it certified a SECOND time and wrote payment enclosed to try and receive my US postal service green card as proof they DID receive debt validation request.&lt;br /&gt;&lt;br /&gt;Now I am facing the hearing, but I did send a request to dismiss based on Violation of FDCPA Section 809B. I have two years left on the statute of limitations and I have fought them tooth and nail. Can you tell me what to expect if I show up in court the date will be 8/18/2008. Thank you in advance for your reply&lt;br /&gt;&lt;br /&gt;&lt;h3&gt;Answer:&lt;/h3&gt; &lt;br /&gt;First of all, your request to dismiss based on violation of FDCPA is going to get denied. FDCPA violations are never a valid cause of action for dismissal of a plaintiff's case. Won't ever happen. So forget that.&lt;br /&gt;&lt;br /&gt;It is also not a valid response to the complaint, so what did you file as your response? If you filed no response then you need to do so as soon as possible.&lt;br /&gt;&lt;br /&gt;You say you sent a second certified validation request. If the first was sent certified why would you need a second?&lt;br /&gt;&lt;br /&gt;You say that statements are not validation? Exactly what do you think validation consists of?&lt;br /&gt;&lt;br /&gt;You say that you have two years left on the Statute of Limitations? How do you know that? Where did you get that information? Yes, I am well aware that the statute of limitations in Kentucky is 5 years on open accounts but you may be using the wrong statute of limitations.&lt;br /&gt;&lt;br /&gt;Seems to me that you have been exposed to and believed lots of false and misleading information. You need to get your act together very, very quickly or you will lose and get a garnishment against you.&lt;br /&gt;&lt;br /&gt;You cannot normally defend and win. You must go on the offensive to do that.&lt;br /&gt;&lt;br /&gt;&lt;div id=&quot;post_message_7260&quot;&gt;Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;            &lt;br /&gt;                 Dial-in Number: (712) 432-1601&lt;br /&gt;                 Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;br /&gt;__________________&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/qlmqson&quot;&gt;http://shrinkmylink.com/qlmqson&lt;/a&gt; Try this great new search engine!&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! Try it!&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench - The lethal weapon against debt collectors&lt;/a&gt;&lt;br /&gt;     &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://Mailto:ceo@creditwrench.com/&quot;&gt;ceo@creditwrench.com&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;br /&gt;     Creditwrench Blog&lt;/a&gt;&lt;span style=&quot;color:red;&quot;&gt;&lt;b&gt;&lt;br /&gt;(405) 237-2174- CALL ANYTIME&lt;br /&gt;(405) 684-9297 FAX NUMBER&lt;br /&gt;    (405) 227-9423 - CALL ANYTIME&lt;br /&gt;(405) 384-4508 - CALL ANYTIME&lt;br /&gt;&lt;br /&gt;   &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/Creditwrench.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;    &lt;/b&gt;&lt;div align=&quot;left&quot;&gt;&lt;b&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feeds.feedburner.com/%7Er/google/QhuW/%7E6/1&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/google/QhuW.1.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;/b&gt;&lt;/div&gt;&lt;/span&gt;&lt;/div&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/Citibank&quot;&gt;Citibank&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/False+misleading+informaion&quot;&gt;False and misleading information&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/FDCPA&quot;&gt;FDCPA&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/validation&quot;&gt;validation&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/Katrina&quot;&gt;Katrina&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/Katrina&quot;&gt;Katrina&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/hurricane&quot;&gt;hurricane&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/creditwrench&quot;&gt;creditwrench&lt;/a&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-3224640629396343993?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-3224640629396343993</guid>
         <pubDate>Sun, 10 Aug 2008 06:33:00 +0000</pubDate>
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         <title>How to contact paypal and ebay</title>
         <link>http://allexpertsblog.blogspot.com/2008/08/how-to-contact-paypal-and-ebay.html</link>
         <description>Here are over 450 pieces of internal email addresses and phone numbers to reach a real live human at Paypal/eBay. Anyone who has ever experienced Paypal unfairly freezing their funds, Paypal siding with someone who scammed them and losing money because of it, Paypal seizing funds from their bank account or credit card without permission, or just the simple impenetrable, rude, and useless customer service can surely appreciate this list. There's contact info for executive relations, high executives, practically every department, and more, both US and international. The information comes courtesy of Screw-Paypal.com, a site started by a man who says Paypal wrongfully denied access to his funds for four years. I guess that's how long it takes to track down every single piece of Paypal contact info. He got his money back eventually, and you can too, with the email addresses and phone numbers inside...&lt;br /&gt;&lt;br /&gt;PayPal Phone Numbers: America &amp;amp; Canada&lt;br /&gt;&lt;br /&gt;1-408-967-5033 (TOLL NUMBER) Michael Oldenburg, HE WANTS TO HEAR YOUR COMPLAINTS!&lt;br /&gt;1-408- 376-7514 (TOLL FAX Number) Ryan Downs, Senior Vice President Operations, PayPal, Inc. and eBay Inc.&lt;br /&gt;1-402-935-2050 (Toll Number)&lt;br /&gt;1-888-215-5506 (Toll Free Number)&lt;br /&gt;1-888-221-1161 (Toll Free Number)&lt;br /&gt;1-408-376-7400 (Toll Number)&lt;br /&gt;1-408-376-7514 (Toll Fax Number) PayPal, San Jose, General Fax #&lt;br /&gt;1-650-864-8000 (Toll Number)&lt;br /&gt;1-402-935-2284 (Toll Number — Banking and Check Issues)&lt;br /&gt;1-402-935-2212 (Toll Number — ACH Processing &amp;amp; Check Services)&lt;br /&gt;1-402-935-2255 (Toll Number — Account Review Department)&lt;br /&gt;1-402-935-2257 (Toll Number — Account Review Department)&lt;br /&gt;1-402-935-2223 (Toll Number — PayPal Compliance)&lt;br /&gt;1-402-935-2250 (Toll Number — PayPal Compliance)&lt;br /&gt;1-402-935-2000 (Toll Number — Customer Service Department)&lt;br /&gt;1-402-935-2007 (Toll Number — Customer Service Department)&lt;br /&gt;1-402-935-5181 (Toll Number — Debit Card Services)&lt;br /&gt;1-402-935-2116 (Toll Number — Escalations Department)&lt;br /&gt;1-402-935-2129 (Toll Number — Escalations Department)&lt;br /&gt;1-402-935-2238 (Toll Number — Management, Escalations Department)&lt;br /&gt;1-402-935-2239 (Toll Number — Fraud Prevention Department)&lt;br /&gt;1-402-935-2251 (Toll Number — Manager, Resolutions Department)&lt;br /&gt;1-650-251-1101 (Toll FAX Number — Never Fax w/o a Case Number!)&lt;br /&gt;1-408-376-7514 (Toll FAX Number — Never Fax w/o a Case Number!)&lt;br /&gt;1-408-967-1005 (Toll Number — Amanda Pires, PayPal Media Relations)&lt;br /&gt;1-402-537-5755 (Toll FAX Number — PayPal Chargeback Department)&lt;br /&gt;1-402-938-2337 (Toll FAX Number — Compliance Department)&lt;br /&gt;1- 303-395-2802 (Toll FAX Number — Compliance Department)&lt;br /&gt;&lt;br /&gt;PayPal Phone Numbers: America &amp;amp; Canada — Senior Agents&lt;br /&gt;&lt;br /&gt;Should you have a PayPal problem that needs decision making authority, these are the persons you can contact directly. Each one of these persons has the power to review your account, unlimit your account or arrange for your money to be returned to you (among other things as well). PayPal Office of Executive Escalations:&lt;br /&gt;&lt;br /&gt;1-402-952-8691 (Thomas, PayPal Executive Dying to Receive Your Call)&lt;br /&gt;1-402-935-2238 (Tiffany Zaporowski, Strategic Risk Operations)&lt;br /&gt;1-402-935-2116 (Elizabeth Morey, Supervisor, Executive Escalations)&lt;br /&gt;1-402-952-8691 (Thomas, Senior Agent, Dying to Receive Your Call)&lt;br /&gt;1-402-935-2172 (Adam Braasch, Senior Agent)&lt;br /&gt;1-402-952-8902 (Gabriel, Agent, Executive Escalations)&lt;br /&gt;1-402-935-2268 (Beth Beutler, Senior Agent)&lt;br /&gt;1-402-935-5146 (Leslie Byrne, Senior Agent)&lt;br /&gt;1-402-935-2399 (Janyce Erikson, Senior Agent)&lt;br /&gt;1-402-935-5145 (Melody Fry, Senior Agent)&lt;br /&gt;1-402-935-2174 (Jackie Hart, Senior Agent)&lt;br /&gt;1-402-935-2229 (Michael Lazure, Senior Agent) *ACH/Wire Expert*&lt;br /&gt;1-402-935-5163 (Rick Martin, Senior Agent)&lt;br /&gt;1-402-935-5073 (Stephanie Mikovec, Senior Agent)&lt;br /&gt;1-402-935-2157 (Megan Moore, Senior Agent) *WORKS WEEKENDS*&lt;br /&gt;1-402-935-3533 (Peggy Pattavina, Senior Agent)&lt;br /&gt;1-402-935-2331 (Tara Stevens, Senior Agent)&lt;br /&gt;1-402-938-3532 (Megan Wetzel, Senior Agent)&lt;br /&gt;&lt;br /&gt;PayPal Phone Numbers: United Kingdom&lt;br /&gt;&lt;br /&gt;08707/ 307 191 (UK Calling Rates Apply)&lt;br /&gt;0870/730-7191 (UK Calling Rates Apply)&lt;br /&gt;0208/ 6053000 (Landline Phone Number)&lt;br /&gt;020/8605 3001 (UK FAX — UK Calling Rates Apply)&lt;br /&gt;&lt;br /&gt;PayPal Phone Numbers: Australia&lt;br /&gt;&lt;br /&gt;(02) 8223 9500 (Australian Toll Rates Apply)&lt;br /&gt;1800 073 263 (Toll Free Number)&lt;br /&gt;(02) 8223 9555 (Fax Number Australia — AU Calling Rates Apply)&lt;br /&gt;(02) 8223 9501 (Fax Number Australia — AU Calling Rates Apply)&lt;br /&gt;&lt;br /&gt;PayPal Phone Numbers: Deutschland&lt;br /&gt;&lt;br /&gt;0180/ 500 66 27 (14 Euro Cents Per Minute)&lt;br /&gt;0870/730-7191 (Calling Fees Apply)&lt;br /&gt;030-8019-5161 (PayPal/eBay Hauptquartier)&lt;br /&gt;030-8019-5252 (FAX nummer PayPal/eBay Hauptquartier)&lt;br /&gt;&lt;br /&gt;paypal.robert@ebay.de&lt;br /&gt;paypal.nico@ebay.de&lt;br /&gt;paypal.eva@ebay.de&lt;br /&gt;&lt;br /&gt;PayPal Addresses America &amp;amp; Canada&lt;br /&gt;&lt;br /&gt;PayPal President, Rajiv Dutta, 19700 Montauck Court, Saratoga, CA 95070 (Home Address)&lt;br /&gt;PayPal Inc., 2211 North First Street, San Jose, CA 95131&lt;br /&gt;PayPal Inc., 2145 Hamilton Avenue, San Jose, CA 95125&lt;br /&gt;PayPal Inc., P.O. Box 45950, Omaha, NE 68145&lt;br /&gt;PayPal Inc., 11128 John Galt BLVD, STE 300, Omaha, NE 68137&lt;br /&gt;PayPal Inc., Legal Department, 2211 North First Street, San Jose, CA 95131&lt;br /&gt;PayPal Inc., 701 First Avenue, Sunnyvale, CA 94089&lt;br /&gt;PayPal Inc., 3000 Hanover Street, Palo Alto, CA 94304&lt;br /&gt;PayPal Inc., 3404 E Harmony RD, Fort Collins, CO 80528&lt;br /&gt;PayPal Inc., 18110 SE 34th Street, Vancouver, WA 98683&lt;br /&gt;&lt;br /&gt;PayPal Addresses: United Kingdom&lt;br /&gt;&lt;br /&gt;PayPal Europe Ltd, Hotham House, 1 Heron Square, Richmond upon Thames, Surrey, TW9 1EJ&lt;br /&gt;PayPal Europe S.a.r.l. &amp;amp; Cie, S.C.A., 5th Floor 22-24, Boulevard Royal L-2449, Luxembourg&lt;br /&gt;&lt;br /&gt;eBay (UK) LTD,&lt;br /&gt;P.O. Box 9473&lt;br /&gt;Dublin 15&lt;br /&gt;Ireland&lt;br /&gt;&lt;br /&gt;PayPal Managing Director, David Graham Clarke, 3 Woodside Road, New Malton, Surrey, KT3 3AH&lt;br /&gt;&lt;br /&gt;PayPal Addresses: Australia&lt;br /&gt;PayPal, Locked Bag 10, ATTN: Error Resolution, Australia Square PO, Sydney, NSW 1215&lt;br /&gt;PayPal, 19 1 York Street, Sydney New South Wales&lt;br /&gt;&lt;br /&gt;ADDITIONAL NOTES: PayPal Australia Pty Limited is a registered Australian Company (ACN 111 195 389) and is subject to Australian law.&lt;br /&gt;&lt;br /&gt;PayPal Addressen: Deutschland&lt;br /&gt;PayPal Europe S.a.r.l. &amp;amp; Cie, S.C.A., 5th Floor 22-24, Boulevard Royal L-2449, Luxembourg&lt;br /&gt;PayPal GmbH., Marktplatz 1, Europarc-Dreilinden, BerlinD-14532&lt;br /&gt;&lt;br /&gt;PayPal-Kundenservice&lt;br /&gt;Postfach 750263&lt;br /&gt;60532 Frankfurt/Main&lt;br /&gt;&lt;br /&gt;PayPal Email Addresses&lt;br /&gt;&lt;br /&gt;Avoid using PayPal's automated email submission center — that email goes straight to New Delhi, India where you will get a prompt reply back that has nothing to do with what you asked in the first place. For faster results, email the following departments (where people with decision making authority can help you or not help you):&lt;br /&gt;&lt;br /&gt;moldenburg@paypal.com (Michael Moldenburg, Paypal Complaints)&lt;br /&gt;sthompson@paypal.com (Scott Thompson, PayPal President)&lt;br /&gt;mhentges@paypal.com (Mary Hentges, CFO PayPal)&lt;br /&gt;crme@paypal.com (PayPal Office of Executive Escalations)&lt;br /&gt;appeal@paypal.com&lt;br /&gt;harbor1@paypal.com&lt;br /&gt;account-review@paypal.com&lt;br /&gt;ppelce@paypal.com&lt;br /&gt;cardreview@paypal.com&lt;br /&gt;complaint-response@paypal.com&lt;br /&gt;abuse@paypal.com&lt;br /&gt;Europeanservices@paypal.com&lt;br /&gt;resolutions@paypal.com&lt;br /&gt;appeals@paypal.com&lt;br /&gt;compliance@paypal.com&lt;br /&gt;escalations@paypal.com&lt;br /&gt;webform@paypal.com&lt;br /&gt;service@paypal.com (Unmonitored)&lt;br /&gt;spoof@paypal.com&lt;br /&gt;complaints@paypal.com&lt;br /&gt;aup@paypal.com&lt;br /&gt;press@paypal.com (Let public relations know you are filing complaints)&lt;br /&gt;apires@paypal.com (Amanda Pires — Media Relations Contact)&lt;br /&gt;chargebackresponse@paypal.com&lt;br /&gt;pending_reversal@paypal.com&lt;br /&gt;global2@paypal.com&lt;br /&gt;intl@paypal.com&lt;br /&gt;ppe_courtesycredit@paypal.com&lt;br /&gt;BoEappeal@paypal.com&lt;br /&gt;&lt;br /&gt;Tip: Send your problem to EVERY PayPal email address that you can find, not just one. That way you have different people and different departments dealing with your problem.&lt;br /&gt;&lt;br /&gt;eBay Contact Information America/Canada&lt;br /&gt;&lt;br /&gt;1-800-322-9266 (eBay Customer Service Number — Toll Free America &amp;amp; Canada)&lt;br /&gt;1-800-717-3229 (eBay Customer Serive Number — Toll Free America &amp;amp; Canada)&lt;br /&gt;1-866-304-3229 (eBay Marketing — Toll Free America &amp;amp; Canada)&lt;br /&gt;1-408- 376-7400(eBay General Phone Number — Toll Number)&lt;br /&gt;1-408-376-7401 (eBay General FAX Number — Toll Number)&lt;br /&gt;1-408-376-7419 (Gary Dellabo, ebay Strategic Partnership's Group — Toll Number)&lt;br /&gt;1-408-376-7517 (eBay General FAX Number — Toll Number)&lt;br /&gt;1-408-376-7205 (eBay Investor Relations, Tracey Ford — Toll Number)&lt;br /&gt;1-408-376-7458 (eBay Media Relations, Hani Durzy — Toll Number)&lt;br /&gt;1-801-545-2276 (eBay President, Direct Number Salt Lake City — Toll Number)&lt;br /&gt;1-408- 376-7514 (TOLL FAX Number) Ryan Downs, Senior Vice President Operations, PayPal, Inc. and eBay Inc.&lt;br /&gt;1-801-545-1853 (eBay Accounts, Christa, Accounts Specialist, Salt Lake City — Toll Number)&lt;br /&gt;&lt;br /&gt;eBay Email Addresses&lt;br /&gt;&lt;br /&gt;spoof@eBay.com (Report Spoof or Phishing Emails/Websites)&lt;br /&gt;exec.relations@ebay.com (eBay Executive Relations)&lt;br /&gt;matthewb@ebay.com ( Matthew J. Bannick, President, eBay International)&lt;br /&gt;government_relations@ebay.com (eBay Government Relations Department)&lt;br /&gt;billcobb@ebay.com (President, eBay North America)&lt;br /&gt;paypal.robert@ebay.de&lt;br /&gt;paypal.nico@ebay.de&lt;br /&gt;paypal.eva@ebay.de&lt;br /&gt;paypaldamon@ebay.com&lt;br /&gt;&lt;br /&gt;eBay Address/eBay CEO Home Address&lt;br /&gt;&lt;br /&gt;eBay Inc.&lt;br /&gt;2145 Hamilton Avenue&lt;br /&gt;San Jose, CA 95125&lt;br /&gt;USA&lt;br /&gt;&lt;br /&gt;eBay Contact Information United Kingdom&lt;br /&gt;&lt;br /&gt;0700 500 3229 (eBay General Number — UK Calling Rates Apply)&lt;br /&gt;020 8605 3111 (UK Power Seller's Help Line — UK Calling Rates Apply)&lt;br /&gt;0906 665 8030 (eBay Customer Service — UK Calling Rates Apply)&lt;br /&gt;0906 665 8030 (eBay Customer Service — UK Calling Rates Apply)&lt;br /&gt;&lt;br /&gt;eBay Address UK&lt;br /&gt;&lt;br /&gt;eBay UK Ltd, Complaints Department&lt;br /&gt;PO Box 659, Richmond-upon-Thames&lt;br /&gt;Surrey, TW9 1TX&lt;br /&gt;&lt;br /&gt;eBay (UK) LTD,&lt;br /&gt;P.O. Box 9473&lt;br /&gt;Dublin 15&lt;br /&gt;Ireland&lt;br /&gt;&lt;br /&gt;PayPal Buyer Credit 866-571-3012 Say &quot;agent&quot; at each prompt, ignoring messages.&lt;br /&gt;PayPal F 888-221-1161 Press 0 at each prompt, ignoring messages.&lt;br /&gt;&lt;br /&gt;300 other internal numbers that might get you what you're looking for...&lt;br /&gt;&lt;br /&gt;(402)935-2114 Kay P. ACH / Check Service&lt;br /&gt;(402)935-2212 ACH Processing Main Line ACH / Check Services&lt;br /&gt;(402)935-2284 cindy ACH / Check Services Processing / Bank Only&lt;br /&gt;(402)935-2295 Chuck ACH / Check Services Processing Manager&lt;br /&gt;(402)935-2255 Jasmine Account Review&lt;br /&gt;(402)935-2256 Jamie Account Review&lt;br /&gt;(402)935-2257 Jamie Account Review&lt;br /&gt;(402)935-2328 Chris Account Review&lt;br /&gt;(402)935-2333 Luke Account Review&lt;br /&gt;(402)935-2114 Kay P. ACH / Check Services&lt;br /&gt;(402)935-2212 ACH Processing Main Line ACH / Check Services&lt;br /&gt;(402)935-2284 cindy ACH / Check Services Processing / Bank Only&lt;br /&gt;(402)935-2295 Chuck ACH / Check Services Processing Manager&lt;br /&gt;(402)935-2223 Sheryl AUP Compliance&lt;br /&gt;(402)935-2250 Katrina AUP Compliance&lt;br /&gt;(402)935-2275 Lisa AUP Compliance&lt;br /&gt;(402)935-2332 Julie Gonzales AUP Compliance&lt;br /&gt;(402)935-5140 Alahandre Elise(?) AUP Compliance&lt;br /&gt;(402)935-2029 Todd Business Development&lt;br /&gt;(402)935-5126 Shane Business Development Schedule: 8:30~5PM M-F&lt;br /&gt;(402)935-5197 Ken Holston Business Development Business Management &amp;amp; Account Management&lt;br /&gt;(402)935-2000 Call Center Inbound Call Center&lt;br /&gt;(402)935-2007 Call Center Inbound Line Call Center&lt;br /&gt;(402)935-2012 Call Center Inbound Call Center&lt;br /&gt;(402)935-2011 Call Center Inbound Call Center&lt;br /&gt;(402)935-2014 Call Center Inbound Call Center&lt;br /&gt;(402)935-2017 Call Center Inbound: Debit Cards Call Center&lt;br /&gt;(402)935-2019 Call Center Inbound Call Center&lt;br /&gt;(402)935-2021 Call Center Inbound Call Center&lt;br /&gt;(402)935-2022 Call Center Inbound Call Center&lt;br /&gt;(402)935-2023 Call Center Inbound Call Center&lt;br /&gt;(402)935-2024 Call Center Inbound Call Center&lt;br /&gt;(402)935-2025 Call Center Inbound Call Center&lt;br /&gt;(402)935-2030 Call Center Inbound Call Center&lt;br /&gt;(402)935-2050 Call Center Inbound Call Center&lt;br /&gt;(402)935-2053 Call Center Inbound: Premier Services Call Center&lt;br /&gt;(402)935-2057 Call Center Inbound Call Center&lt;br /&gt;(402)935-2065 Call Center Inbound Call Center&lt;br /&gt;(402)935-2079 Call Center Inbound Call Center&lt;br /&gt;(402)935-2080 Call Center Inbound Call Center&lt;br /&gt;(402)935-2081 Call Center Inbound Call Center&lt;br /&gt;(402)935-2082 Premier Service Line Call Center&lt;br /&gt;(402)935-2084 Call Center Inbound Call Center&lt;br /&gt;(402)935-2085 Call Center Inbound Call Center&lt;br /&gt;(402)935-2092 Call Center Inbound Call Center&lt;br /&gt;(402)935-2100 Call Center Inbound Call Center Premier Services Line&lt;br /&gt;(402)935-2106 Call Center Inbound Call Center Premier Services Line&lt;br /&gt;(402)935-2107 Call Center Inbound Call Center&lt;br /&gt;(402)935-2124 Call Center Inbound Call Center&lt;br /&gt;(402)935-2148 Call Center Inbound Call Center&lt;br /&gt;(402)935-2166 Call Center Inbound Call Center&lt;br /&gt;(402)935-2194 Call Center Inbound Call Center&lt;br /&gt;(402)935-2233 Call Center Inbound Call Center&lt;br /&gt;(402)935-2300 Call Center Inbound Call Center&lt;br /&gt;(402)935-2323 Call Center Inbound Call Center&lt;br /&gt;(402)935-5119 Call Center Inbound Call Center&lt;br /&gt;(402)935-2165 Jessica Card Services&lt;br /&gt;(402)935-2396 Tamara Spurlock Card Services&lt;br /&gt;(402)935-5181 Lisa Weaver Card Services Debit Card Team&lt;br /&gt;(402)935-2015 Teresa Rains Charge Backs&lt;br /&gt;(402)935-2141 Mikalea Charge Backs&lt;br /&gt;(402)935-2152 Anna Charge Backs&lt;br /&gt;(402)935-2189 Margaret Charge Backs&lt;br /&gt;(402)935-2340 Debbie Charge Backs&lt;br /&gt;(402)935-2063 Taj Education Team Product Education&lt;br /&gt;(402)935-2064 Dona Education Team&lt;br /&gt;(402)935-2116 Elizabeth Executive Escalations Works closely w/Tiffany(detp.mgr). Very Responsive.&lt;br /&gt;(402)935-2129 Joe Executive Escalations&lt;br /&gt;(402)935-2156 Brian Executive Escalations&lt;br /&gt;(402)935-2157 Megan Executive Escalations&lt;br /&gt;(402)935-2172 Adam Executive Escalations&lt;br /&gt;(402)935-2173 John Executive Escalations&lt;br /&gt;(402)935-2174 Jackie Executive Escalations&lt;br /&gt;(402)935-2192 Eric Executive Escalations&lt;br /&gt;(402)935-2128 Stacy Executive Escalations&lt;br /&gt;(402)935-2228 Stacy Executive Escalations&lt;br /&gt;(402)935-2238 Tiffany Executive Escalations Manager of Executive Escalations.&lt;br /&gt;(402)935-2268 Beth Executive Escalations&lt;br /&gt;(402)935-2269 Michelle Executive Escalations Schedule: Tues~Thur 9:30AM~8PM&lt;br /&gt;(402)935-2334 Luke Executive Escalations&lt;br /&gt;(402)935-5145 Melanie Executive Escalations Schedule: M-F 4PM~Mid. CST&lt;br /&gt;(402)935-5146 Leslie Executive Escalations&lt;br /&gt;(402)935-5163 Rick Martin Executive Escalations&lt;br /&gt;(402)935-2112 Gloria Finance&lt;br /&gt;(402)935-2207 Jeremy Finance&lt;br /&gt;(402)935-2371 Julie Finance&lt;br /&gt;(402)935-2239 Collin Fraud &amp;amp; Security Fraud Prevention&lt;br /&gt;(402)935-2267 Mark Fraud &amp;amp; Security Trust &amp;amp; Safety&lt;br /&gt;(402)935-2272 Michael Fraud &amp;amp; Security Protection Services&lt;br /&gt;(402)935-2366 Suzanne Combes Brown Fraud &amp;amp; Security Risk Management Manager&lt;br /&gt;(402)935-2368 Sheryl London Fraud &amp;amp; Security Protection Services: Senior Agent&lt;br /&gt;(402)935-5134 Bill Gray Fraud &amp;amp; Security Internal Audit. Mountain View Office: 650-864-8046&lt;br /&gt;(402)935-2044 Paula Adams Global Services Global Help Desk&lt;br /&gt;(402)935-2127 Amy Bush Global Services&lt;br /&gt;(402)935-2048 Joyce Brown Human Resources Training Department&lt;br /&gt;(402)935-2051 Melanie Human Resources Training Department&lt;br /&gt;(402)935-2128 Michelle Human Resources HR/Benefits Coordinator&lt;br /&gt;(402)935-2169 Sterling Blackwell Human Resources Employee Development&lt;br /&gt;(402)935-2283 Amy Human Resources Staffing&lt;br /&gt;(402)935-2318 John Latke Human Resources Training Department&lt;br /&gt;(402)935-2339 Michelle Mullis Human Resources&lt;br /&gt;(402)935-5128 Michelle Human Resources Benefits Coordinator&lt;br /&gt;(402)935-2001 IVR Testing Line Internal / IT Tests voice recognition, play around.&lt;br /&gt;(402)935-2004 IVR Testing Line Internal / IT Tests voice recognition, etc.. play around&lt;br /&gt;(402)935-2026 Password Prompt (?) Internal / IT Line immediately prompts for password. Unsure of it's use.&lt;br /&gt;(402)935-2032 Employee Attendance Line Internal / IT (try user: 1234 pass:1234, works to play around with)&lt;br /&gt;(402)935-2069 ECS System Testing Internal / IT Play around, not sure of purpose.&lt;br /&gt;(402)935-2299 Internal Software Helpdesk Internal / IT&lt;br /&gt;(402)935-5100 Employee Attendance Line Internal / IT (user: 1234 / pass: 1234 to play around)&lt;br /&gt;(402)935-5151 Hold Music / Advertisement Internal / IT Test Line for Hold Music ?&lt;br /&gt;(402)935-5149 Monitoring Line? Internal / IT&lt;br /&gt;(402)935-5168 Monitoring Line Internal / IT&lt;br /&gt;(402)935-5184 Gene (or Steve) Internal / IT Technical Support Manager&lt;br /&gt;(402)935-5199 Call Center Status Line Internal / IT This ext. will place the call center in Emergency or Normal state.&lt;br /&gt;(402)935-2274 Matthew Member Services Member Services Supervisor&lt;br /&gt;(402)935-2321 Michelle Member Services Supervisor (Sat/Sun/Mon 11A~Mid)&lt;br /&gt;(402)935-2357 Terry Dale Member Services&lt;br /&gt;(402)935-5161 Tim Loban Merchant Fraud &amp;amp; Risk Weekend Supervisor (Sat/Sun/Mon 11AM~Mid)&lt;br /&gt;(402)935-5169 Alicia Merchant Fraud &amp;amp; Risk&lt;br /&gt;(402)935-2074 Tammy Galvin Quality Development&lt;br /&gt;(402)935-2226 Jenny Quality Development&lt;br /&gt;(402)935-2034 Janie Bartlett Resolution Services&lt;br /&gt;(402)935-2132 Bryant Resolution Services Team Leader&lt;br /&gt;(402)935-2241 Lynn Vogue Resolution Services&lt;br /&gt;(402)935-2251 Mike McCormick Resolution Services Resolution Services Supervisor&lt;br /&gt;(402)935-2266 Rich H. Resolution Services&lt;br /&gt;(402)935-2353 Lorie Kilstrom Resolution Services&lt;br /&gt;(402)935-5120 Tim Underlow Resolution Services Product Education Trainer for Resolution Services&lt;br /&gt;(402)935-5141 Resolutions Department Line Resolution Services&lt;br /&gt;(402)935-2218 Douglas H. Security&lt;br /&gt;(402)935-5172 Michell Security&lt;br /&gt;(402)935-2002 April Garner Unknown&lt;br /&gt;(402)935-2005 Adonocca Banks Unknown&lt;br /&gt;(402)935-2010 Nick Unknown&lt;br /&gt;(402)935-2013 Pat Unknown&lt;br /&gt;(402)935-2018 Vicki Hernandez Unknown&lt;br /&gt;(402)935-2020 Mary Jo Unknown&lt;br /&gt;(402)935-2028 Megan Unknown&lt;br /&gt;(402)935-2039 Jeff Hagan Unknown&lt;br /&gt;(402)935-2040 Mary Steeley Unknown&lt;br /&gt;(402)935-2041 Michelle Parkins Unknown&lt;br /&gt;(402)935-2049 Jason Finer Unknown&lt;br /&gt;(402)935-2052 Eduardo(?) Unknown&lt;br /&gt;(402)935-2054 Tonya Unknown&lt;br /&gt;(402)935-2055 John Freeze Unknown&lt;br /&gt;(402)935-2061 Rick Unknown&lt;br /&gt;(402)935-2062 Nick Unknown&lt;br /&gt;(402)935-2066 Michelle Unknown&lt;br /&gt;(402)935-2073 Kelly Shipley Unknown&lt;br /&gt;(402)935-2086 Jeff Allen Unknown&lt;br /&gt;(402)935-2087 Patience Unknown&lt;br /&gt;(402)935-2091 Dawn Mouski Unknown&lt;br /&gt;(402)935-2095 Steve Unknown&lt;br /&gt;(402)935-2098 Dona Shong Unknown&lt;br /&gt;(402)935-2099 Shelly Unknown&lt;br /&gt;(402)935-2101 John Unknown&lt;br /&gt;(402)935-2103 Latrisha Harris Unknown&lt;br /&gt;(402)935-2104 Lisa Hughes Unknown&lt;br /&gt;(402)935-2110 Amy Lescott Unknown&lt;br /&gt;(402)935-2113 Kelly Unknown&lt;br /&gt;(402)935-2115 Maggie Mentato Unknown&lt;br /&gt;(402)935-2118 Paul Ingles Unknown&lt;br /&gt;(402)935-2119 Stacy Price Unknown&lt;br /&gt;(402)935-2123 Kelly Unknown&lt;br /&gt;(402)935-2125 Koreen Unknown&lt;br /&gt;(402)935-2126 Michelle Unknown&lt;br /&gt;(402)935-2134 Cindy Langstrom Unknown&lt;br /&gt;(402)935-2136 Lynette Lane Unknown&lt;br /&gt;(402)935-2138 Kim Unknown&lt;br /&gt;(402)935-2142 Kimberly Unknown&lt;br /&gt;(402)935-2149 Mark Rosenthal Unknown&lt;br /&gt;(402)935-2150 Eddie Unknown&lt;br /&gt;(402)935-2154 Charles Unknown&lt;br /&gt;(402)935-2158 Bill Unknown&lt;br /&gt;(402)935-2168 Peggy Unknown&lt;br /&gt;(402)935-2170 Deb Myer Unknown Schedule: M-F 8AM~4:30PM&lt;br /&gt;(402)935-2171 Trish Unknown&lt;br /&gt;(402)935-2175 Zack Unknown&lt;br /&gt;(402)935-2178 Lashaun Unknown&lt;br /&gt;(402)935-2179 Beth Unknown&lt;br /&gt;(402)935-2181 Valerie Dasante Unknown&lt;br /&gt;(402)935-2182 Erin Crain Unknown&lt;br /&gt;(402)935-2183 Frank Unknown&lt;br /&gt;(402)935-2184 Kevin Armstrong Unknown&lt;br /&gt;(402)935-2186 Emily Heldridge Unknown&lt;br /&gt;(402)935-2187 Erin Unknown&lt;br /&gt;(402)935-2188 Lamay Unknown&lt;br /&gt;(402)935-2201 Ray Unknown&lt;br /&gt;(402)935-2203 Sherry Unknown&lt;br /&gt;(402)935-2204 Lisa Thompson Unknown&lt;br /&gt;(402)935-2205 Kimberly Unknown&lt;br /&gt;(402)935-2206 Osma Unknown&lt;br /&gt;(402)935-2216 Tracy Unknown&lt;br /&gt;(402)935-2217 Shaun Unknown&lt;br /&gt;(402)935-2224 Meliss Unknown&lt;br /&gt;(402)935-2225 Jim Unknown&lt;br /&gt;(402)935-2227 Eric Harrison Unknown&lt;br /&gt;(402)935-2129 Name not known Unknown&lt;br /&gt;(402)935-2229 unknown Unknown&lt;br /&gt;(402)935-2230 Mark Peterson Unknown&lt;br /&gt;(402)935-2234 Dave Unknown&lt;br /&gt;(402)935-2236 Brock Unknown&lt;br /&gt;(402)935-2237 Shaun Unknown&lt;br /&gt;(402)935-2240 Angie Anderson Unknown&lt;br /&gt;(402)935-2244 Julie Gonzales Unknown&lt;br /&gt;(402)935-2246 Sally Unknown&lt;br /&gt;(402)935-2253 Deb Unknown&lt;br /&gt;(402)935-2254 Ellie Unknown Number changed to 935-1835, per voicemail.&lt;br /&gt;(402)935-2259 Tereasa Unknown&lt;br /&gt;(402)935-2264 Eric Unknown&lt;br /&gt;(402)935-2265 Doug H. Unknown&lt;br /&gt;(402)935-2271 Cynthia Unknown&lt;br /&gt;(402)935-2273 Leslie Walker Unknown&lt;br /&gt;(402)935-2276 Heather Johnson Unknown&lt;br /&gt;(402)935-2281 Jason Alexander Unknown&lt;br /&gt;(402)935-2288 David Unknown&lt;br /&gt;(402)935-2291 John Unknown&lt;br /&gt;(402)935-2298 Chris Unknown&lt;br /&gt;(402)935-2302 Jim Norway Unknown Call was forwarded to a Nextel Phone Afterhours (management?)&lt;br /&gt;(402)935-2305 Amanda Unknown&lt;br /&gt;(402)935-2308 Cathy Unknown&lt;br /&gt;(402)935-2316 Laurie Unknown&lt;br /&gt;(402)935-2317 Jason Unknown&lt;br /&gt;(402)935-2322 Jamie Swanson Unknown&lt;br /&gt;(402)935-2324 Jessica Carasoul Unknown&lt;br /&gt;(402)935-2335 Steve Unknown&lt;br /&gt;(402)935-2336 Marissa Unknown&lt;br /&gt;(402)935-2341 Laurie Unknown&lt;br /&gt;(402)935-2342 Torrence Unknown&lt;br /&gt;(402)935-2349 Karen Unknown&lt;br /&gt;(402)935-2350 Beverly Unknown&lt;br /&gt;(402)935-2351 Karen Lovette Unknown&lt;br /&gt;(402)935-2358 John Kimmee Unknown&lt;br /&gt;(402)935-2363 Claire Shumiker Unknown&lt;br /&gt;(402)935-2364 Mary Viella Unknown&lt;br /&gt;(402)935-2365 Frank Unknown&lt;br /&gt;(402)935-2367 Mary OBrien Unknown&lt;br /&gt;(402)935-2369 Kelly Carson Unknown&lt;br /&gt;(402)935-2370 unknown Unknown person answered, unsure, will recheck later.&lt;br /&gt;(402)935-2372 Bob Miles Unknown&lt;br /&gt;(402)935-2375 Renee Unknown Schedule: Tues~Fri 1:30PM~Mid.&lt;br /&gt;(402)935-2376 Foreign Speaking Employee Unknown Foreign Employee.. anyone identify language ?&lt;br /&gt;(402)935-2377 David B. Unknown&lt;br /&gt;(402)935-2381 Tina Unknown&lt;br /&gt;(402)935-2386 Cameron Unknown&lt;br /&gt;(402)935-2387 Cindy Unknown&lt;br /&gt;(402)935-2391 Alisha Rhea Unknown&lt;br /&gt;(402)935-2392 Cindy Kathork Unknown&lt;br /&gt;(402)935-2393 Andres Unknown&lt;br /&gt;(402)935-2394 Robin Unknown&lt;br /&gt;(402)935-2395 Jim Unknown&lt;br /&gt;(402)935-2397 Mark Davis Unknown&lt;br /&gt;(402)935-2399 Janice Erickson Unknown Schedule: M-F 6AM~2:30PM&lt;br /&gt;(402)935-5103 Nicole Unknown&lt;br /&gt;(402)935-5105 Natalie Unknown&lt;br /&gt;(402)935-5106 Angie Unknown&lt;br /&gt;(402)935-5108 Gene Unknown&lt;br /&gt;(402)935-5111 Doug Maxum Unknown&lt;br /&gt;(402)935-5113 Becky Unknown&lt;br /&gt;(402)935-5115 Carrie Unknown&lt;br /&gt;(402)935-5116 Paula Baldwin Unknown&lt;br /&gt;(402)935-5117 Dave Burchill Unknown&lt;br /&gt;(402)935-5121 Andy J. Unknown&lt;br /&gt;(402)935-5123 Micheal Jones Unknown&lt;br /&gt;(402)935-5129 Marlow Rumington Unknown&lt;br /&gt;(402)935-5133 Jeanette Unknown&lt;br /&gt;(402)935-5136 Quincy Unknown&lt;br /&gt;(402)935-5138 Terrell Anderson Unknown&lt;br /&gt;(402)935-5144 Lisa L. Unknown&lt;br /&gt;(402)935-5147 Evan McCaul Unknown&lt;br /&gt;(402)935-5152 Jessica Palamino Unknown&lt;br /&gt;(402)935-5156 Steve Unknown&lt;br /&gt;(402)935-5164 Tonya Lynn Unknown&lt;br /&gt;(402)935-5165 Devon Unknown&lt;br /&gt;(402)935-5171 Carrol Unknown&lt;br /&gt;(402)935-5175 Cindy Unknown&lt;br /&gt;(402)935-5148 Jeff Lonka Unknown Admin maybe (msg says if urgent, call: 402-490-9749)&lt;br /&gt;(402)935-5176 Sheila Unknown&lt;br /&gt;(402)935-5178 Unknown Employee Unknown&lt;br /&gt;(402)935-5179 Tim Maxwell Unknown&lt;br /&gt;(402)935-5185 Rich Unknown&lt;br /&gt;(402)935-5186 Jerry Lowe (female) Unknown&lt;br /&gt;(402)935-5187 Brian G. Unknown Voicemail says w/Ebay&lt;br /&gt;(402)935-5189 Brian Unknown&lt;br /&gt;(402)935-5192 Christian Reese Unknown&lt;br /&gt;(402)935-5194 Reese Unknown&lt;br /&gt;(402)935-5195 Angie Unknown&lt;br /&gt;(402)935-5196 Scott Unknown&lt;br /&gt;&lt;br /&gt;Source: Screw-Paypal.com (Thanks to L!)&lt;br /&gt;&lt;br /&gt;(Photo: Getty, Travelin' Librarian)&lt;br /&gt;&lt;br /&gt;   *&lt;br /&gt;       *&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;     Here we are again, my own spoils from an EECB that weren't in this list:&lt;br /&gt;&lt;br /&gt;     &quot;Lieberman, Usher&quot; ulieberman@ebay.com&lt;br /&gt;     Sr. Manager Corporate Communications&lt;br /&gt;&lt;br /&gt;     &quot;Vergara, Mike&quot; mvergara@paypal.com&lt;br /&gt;     Senior Direct, Accounts Protection&lt;br /&gt;&lt;br /&gt;     &quot;Friedberg, Larry&quot; lfriedberg@paypal.com&lt;br /&gt;     Senior manager of Brand Marketing and Security&lt;br /&gt;&lt;br /&gt;     &quot;Canfield, John&quot; jcanfield@ebay.com&lt;br /&gt;     Senior Director for Trust &amp;amp; Safety policy management&lt;br /&gt;&lt;br /&gt;     &quot;Wong, Catherine&quot; cwong@paypal.com&lt;br /&gt;     Senior Product Manager, Merchant Services&lt;br /&gt;&lt;br /&gt;     &quot;Barrett, Michael&quot; mbarrett@paypal.com&lt;br /&gt;     Chief Information Security Officer&lt;br /&gt;&lt;br /&gt;     &quot;Omidyar, Pierre&quot; pierre@ebay.com&lt;br /&gt;     Chairman&lt;br /&gt;&lt;br /&gt;     &quot;Donahoe, John&quot; john@ebay.com&lt;br /&gt;     President, ebay marketplace&lt;br /&gt;&lt;br /&gt;     &quot;Dutta, Rajiv&quot; rajiv@ebay.com&lt;br /&gt;     President, Paypal&lt;br /&gt;&lt;br /&gt;     &quot;Thompson, Scott&quot; scott@paypal.com&lt;br /&gt;     Senior Vice President and Chief Technology Officer&lt;br /&gt;&lt;br /&gt;     &quot;Livnat, Sarah&quot; slivnat@paypal.com&lt;br /&gt;     Paypal Risk management&lt;br /&gt;&lt;br /&gt;     &quot;Rule, Colin&quot; crule@paypal.com&lt;br /&gt;     ???&lt;br /&gt;&lt;br /&gt;     &quot;Office of the President&quot; csme@ebay.com&lt;br /&gt;&lt;br /&gt;     PS: The PayPal and eBay official blogs are REALLY good places to gather names from ...&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-9041578843763816364?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-9041578843763816364</guid>
         <pubDate>Sat, 09 Aug 2008 08:32:00 +0000</pubDate>
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         <title>car repossession</title>
         <link>http://allexpertsblog.blogspot.com/2008/08/car-repossession.html</link>
         <description>&lt;h1&gt;Car Repossesion&lt;/h1&gt;&lt;br /&gt;&lt;h2&gt;Question:&lt;/h2&gt;  I voluntarily turned in my car at the dealership. While in their possession the car was in an accident. Do I have any means of legally disputing the balance owed on the car reflected when they auction the car?&lt;br /&gt;&lt;br /&gt;&lt;h2&gt;Answer:&lt;/h2&gt;  The fact of the vehicle having been in an accident would not make a difference on the total amount owed but it would or at least might make a big difference on what the vehicle brings. Repoed vehicles are sold at auction and many dealers have detectors that will detect the thickness of the paint on a vehicle. They take these detectors and run them over the entire body before the sale and they can tell immediately whether the vehicle has ever been in an accident or not no matter how good the repair job was. Of course that will make a difference in what the car will bring. Or if they didn't bother to repair it but sent it over the block as is. Then it would bring almost nothing.&lt;br /&gt;&lt;br /&gt;And when you look at it that way it would make a difference in what the final balance will be. If they just hauled it over the block as is then you would have a cause of action against the dealer to recover whatever damages you might suffer as a result. You could use carfacts.com to see who bought the vehicle and maybe whether or not it had been in an accident. You could also check to see if you can find any accident reports on that vehicle. There are several ways to discover what the vehicle brought at auction and what condition the vehicle was in when sold. You could even demand information about the sale from the auction house.&lt;br /&gt;&lt;br /&gt;There are many other actions to consider as well that you didn't mention in your question.&lt;br /&gt;&lt;br /&gt;   Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                  &lt;br /&gt;                    Dial-in Number: (712) 432-1601&lt;br /&gt;                    Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.    __________________&lt;br /&gt;    &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/qlmqson&quot;&gt;http://shrinkmylink.com/qlmqson&lt;/a&gt; Try this great new search engine!&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! Try it!&lt;/a&gt;&lt;br /&gt;   &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench - The lethal weapon against debt collectors&lt;/a&gt;&lt;br /&gt;        &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://Mailto:ceo@creditwrench.com/&quot;&gt;ceo@creditwrench.com&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;br /&gt;        Creditwrench Blog&lt;/a&gt;&lt;span style=&quot;color:red;&quot;&gt;&lt;b&gt;&lt;br /&gt;(405) 684-9297- CALL ANYTIME&lt;br /&gt;(405) 684-9297 FAX NUMBER&lt;br /&gt;(405) 227-9423 - CALL ANYTIME&lt;br /&gt;(405) 384-4508 - CALL ANYTIME&lt;br /&gt;&lt;br /&gt;      &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/Creditwrench.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feeds.feedburner.com/%7Er/google/QhuW/%7E6/1&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/google/QhuW.1.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;/b&gt;&lt;/span&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-670614873767606591?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-670614873767606591</guid>
         <pubDate>Mon, 04 Aug 2008 14:52:00 +0000</pubDate>
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      <item>
         <title>Sued</title>
         <link>http://allexpertsblog.blogspot.com/2008/08/sued.html</link>
         <description>Sued, Liened, and Maxed Out&lt;br /&gt;Question:&lt;br /&gt;Hi CW,&lt;br /&gt;&lt;br /&gt;I just settled with IRS who is taking all of my disposable income every month (there is *barely* enough for rent, food, utilities, and to drive my car).&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/IRS&quot;&gt;IRS&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;However Capital One has hired a law firm to collect on a $700 principle credit card debt (a card I never used, signed for, my wife signed for it in my name). The debt is up to $1400 with penalties and late fees however the law firm is telling me if I don't pay in full by monday they will sue and I will end up owing the $1400 plus 8k in attorneys fees.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/Capital_One&quot;&gt;Capital One&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;I have explained my situation to them and they either don't believe that I don't have the money or frankly don't care at this point. I have exhausted any potential lenders to get me out of this situation, if they are awarded a judgment against me and a garnishment (which will cause me to fail on my lien agreement with the IRS) I am totally screwed with the IRS who already has said if I fail even one month to make my payment they will levy everything I own including bank accounts.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/judgment&quot;&gt;judgment&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Will a judge really award a judgement that will cause me to be levied? Can I still dispute that this debt is mine (I never used the card and I know I never signed for it)? Any help would be greatly appreciated.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/judgement&quot;&gt;judgemnet&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;p.s. I owe IRS 50k and 65k in credit cards in case that changes any of your answers, no I don't qualify for bankruptcy according to the attorney I met with.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/bankruptcy&quot;&gt;bankruptcy&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;h2&gt;Answer:&lt;/h2&gt;&lt;br /&gt;&lt;br /&gt;I'd let them sue me. I know you are very frightened by what might happen if they get a judgment and I certainly can't disparage you for that. But if you learn to fight back the right way then you can turn the table on them. Let them learn that what goes around comes around.&lt;br /&gt;&lt;br /&gt;First of all, where is the contract that you supposedly agreed to? I've just been provided with some new information from at least 3 attorneys who all state that the card agreement must be presented in court. No card agrement, no statements showing use of the card then there is no case. These same attorneys, One from Alabama, one from Oregon and one from New York all say the same thing and all agree on a shocking new legal theory dealing with credit cards and credit card lawsuits.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/credit_card&quot;&gt;credit card&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;Now then, I must admit that this is probably not the least bit new or shocking to some lawyers but it sure was shocking to me and it will be very shocking to millions of consumers. The &quot;new&quot; information heavily underscores the need to force them to produce that contract upon which they base their claim.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/consumers&quot;&gt;consumers&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/lawyers&quot;&gt;lawyers&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;The &quot;new&quot; information is so devastating that it presents an entirely new approach to how consumers can fight in local courts and win and leaves the vast majority of credit card judgments null and void upon their face and vulnerable to collateral attack that is going to be very tough for judges to deny motion to vacate their judgments.&lt;br /&gt;&lt;br /&gt;So in order to get these people off your back you need to start learning how to detect their violations of law and take them to federal court. That will put a big hitch in their git-along.&lt;br /&gt;&lt;br /&gt;It is, in fact, so devastating that it also opens up a new line of attack in federal courts.&lt;br /&gt;&lt;br /&gt;Now then, how did I make this &quot;earth shattering&quot; discovery? Just this last week I have been setting up RSS feeds on my message board at http://consumers.creditwrench.com so the latest in court decisions and law related information is brought in for my readers to learn from. I also have set up a newsletter that people can subscribe to and follow what is happening on my message board and on my blogs.&lt;br /&gt;People can subscribe to my newsletter by going to my web site at http://www.creditwrench.com and looking in the right hand column. Once there look for the GOOGLE box where it says &quot;subscribe to the creditwrench newsletter.&lt;br /&gt;&lt;br /&gt;The advantage is that one does not have to visit my message board to pick up on the latest posts and rss feeds because they can get an email everytime someone posts or they can get a daily digest of everything that happened that day by email. Saves people a great deal of time.&lt;br /&gt;&lt;br /&gt;One thing I'm going to start asking people to do is to send me copies of credit card agreements from any and all credit card companies they might have. New ones, old ones, it don't matter. In fact, the older the better. All they have to do is scan them front and back and send them to ceo@creditwrench.com so they can be used to help people defeat these bloodsuckers.&lt;br /&gt;&lt;br /&gt;            &lt;div id=&quot;post_message_7260&quot;&gt;Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                  &lt;br /&gt;                    Dial-in Number: (712) 432-1601&lt;br /&gt;                    Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;/div&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-3530728660092491750?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-3530728660092491750</guid>
         <pubDate>Sat, 02 Aug 2008 09:16:00 +0000</pubDate>
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         <title>Cambece Law Firm</title>
         <link>http://allexpertsblog.blogspot.com/2008/07/cambece-law-firm.html</link>
         <description>Cambece Law Firm collections&lt;br /&gt;&lt;br /&gt;Question:  &lt;br /&gt;&lt;br /&gt;My husband of 11 days has been making monthly payments to the Cambece Law Firm for several years now out of our joint checking account to pay off an old car debt. Several times a year they call wanting to up the monthly payment. Again today they called wanting more money monthly but, we really cannot afford it.&lt;br /&gt;&lt;br /&gt;They take their monthly payment automatically out of our account so it has never been late or missed, they are claiming the car company wants this &quot;settled&quot;. Are we required to keep paying more when they ask or are we ok as long as those monthly payments are being made, can we tell them we just don't have more money? The balance is about $1300 down from about $5000&lt;br /&gt;&lt;br /&gt;Answer:  &lt;br /&gt;&lt;br /&gt;Cambece Law Firm ranks high on anyone's list of the worst collection agencies. They can do any one of many bad things to people trying to do the right thing and are not to be trusted for anything. They can and often do file lawsuits against people who have been paying regularly once they get their balances paid down to a small amount. They do that to keep the people on the hook and paying more and more.&lt;br /&gt;&lt;br /&gt;A favorite trick played by some debt collectors is to get the account paid down to some predetermined level then sell the debt to some other debt collector who then tacks on their collection fees putting the consumer much deeper in the hole than they should be. Filing lawsuits on consumers once the account is down to a relatively small amount is another dirty trick sometimes played on unsuspecting consumers.&lt;br /&gt;&lt;br /&gt;Constant demands for larger payments is often just an excuse to build up to a lawsuit. After a few demands for larger payments they can &quot;justify&quot;&lt;br /&gt;filing a lawsuit and then the amount owed grows exponentially.&lt;br /&gt;&lt;br /&gt;Another nasty trick is often played on consumers because the consumer is never given any receipts for their money. As time goes on there is little chance that the consumer can prove that they paid the debt and it is sold to some zombie debt collector who starts hounding the consumer all over again for the same debt.&lt;br /&gt;&lt;br /&gt;I'm not suggesting that such is what they have planned for you but knowing that such things do happen lets you be more prepared for what might happen.&lt;br /&gt;&lt;br /&gt;So how does one prepare for the possibility that an outfit like Cambece will pull some bad trick on you such as letting you pay down to some figure such as maybe $600 or so and then file a lawsuit on you?&lt;br /&gt;&lt;br /&gt;The way to prepare for such eventualities is to first of all be certain that all phone calls are recorded and that you have the full name of any person from the agency recorded on every call. Ask them when was the last time they called and what was agreed to on the last call. Then move on by asking what is the purpose of today's call.&lt;br /&gt;&lt;br /&gt;Keep a careful written record of all calls including the date, time and a short synopsis of what was said on the call.&lt;br /&gt;&lt;br /&gt;Make all payments by certified bank cashier's check and never using check by phone direct from your account. Send all payments by certified mail return receipt requested and keep a careful record of those. Make a photo copy of the check before you send it. You should do this even with original creditors such as your car loan. They aren't going to give you any receipts either.&lt;br /&gt;&lt;br /&gt;With such outfits as Cambece you need to include a report about any and all violations they might commit. Write them down in your phone record diary. But above all don't ever trust them to do anything right. Deal with them much as you would a rattlesnake because they are fully capable of biting you at any  time.&lt;br /&gt;&lt;br /&gt;Their claims that the car company wants the matter settled is probably  phony too. Sounds like this developed from a vehicle purchase that ended up as a repo and Cambece bought the debt from the finance company. That is their normal way of getting accounts to collect. They probably paid about eight to ten percent of what you owed for the debt and now will extract every last penny possible from you by any means they can.&lt;br /&gt;&lt;br /&gt;I certainly hope they don't sue you because if they do you won't be prepared to do battle with them and win. You would be almost guaranteed to lose in local court. Your fine record of past payments won't mean a thing. Even if the judge wanted to listen to your pleas about how you never missed a payment it won't mean a thing if you can't prove it and most likely not even if you could.&lt;br /&gt;&lt;br /&gt;Their violations of federal law is the only way to beat them in court and you have to take them to federal court to do that. So while paying them what you owe is a commendable thing you need to prepare yourself for the almost inevitable. With prices escalating as rapidly as they are making those payments is going to become nearly impossible very soon. Miss one and you will find a sheriff at your door with a summons very quickly.&lt;br /&gt;&lt;br /&gt;Then you will have to learn how to defend yourself without a lawyer because you won't have the money to pay one to help you even if you could find one willing to do so.&lt;br /&gt;&lt;br /&gt;I wish you the best of luck.&lt;br /&gt;&lt;br /&gt;Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                  &lt;br /&gt;                    Dial-in Number: (712) 432-1601&lt;br /&gt;                    Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;br /&gt;&lt;br /&gt;This article is published as a knol in the Google data base of knols. &lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://knol.google.com/k/bill-bauer/-/22q7lm3zlrdc8/5#&quot;&gt;A knol by Creditwrench CEO Bill Bauer&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.technorati.com/tag/knol&quot;&gt;knol&lt;/a&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-4887655213027653581?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-4887655213027653581</guid>
         <pubDate>Fri, 25 Jul 2008 09:48:00 +0000</pubDate>
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         <title>Collections on medical bill</title>
         <link>http://allexpertsblog.blogspot.com/2008/07/collections-on-medical-bill.html</link>
         <description>Subject:  collections on medical bill&lt;br /&gt;Question: &lt;br /&gt;&lt;br /&gt;My fiance and I clean house for two very dear friends of ours, Martha and Arnold.  They are on a fixed income and receive only social security and because they have worked hard all their lives, they both have pensions too.&lt;br /&gt;&lt;br /&gt;My fiance and I think they are being taken advantage of by the collections agency that keeps threatening to sue them. The facts concerning the whole mess is that Martha had eye surgery in both eyes by an eye surgeon.  The surgery was completely covered by her health insurance. The eye surgeon TOLD Martha to see an ophthalmologist friend of his for her post-op. Because the ophthalmologist was not a &quot;surgeon&quot;, the health insurance company refuses to pay for Martha's ophthalmologist bill of $1,200.00 (By the way the ophthalmologist charged $600.00 PER EYE to look at her eyes for 5 minutes and tell her that the surgery looked great!).&lt;br /&gt;&lt;br /&gt;The surgery was approx. 6 months ago and since then a collections agency has gotten involved.  The bill is now up to $1,700.00 because the collections agency is charging their fee of $500.00!  Arnold says he is going to have to pay it somehow because he is terrified that they are going to garnish his bank account and go after their pensions after they file suit.  Can the collections company do that?    They won't even back down on their collections fee.  We really care about this kind, honest people and would like to know if they have any recourse against any party involved.  They won't even have enough to eat for a while if they have to pay this bill.  If there is no recourse, I would just like to put my two cents in that it's a SAD day in America when two lifelong, hardworking people have to worry their survival because of a stupid, overpriced insurance bill that should have been paid by the insurance company in the first place!!&lt;br /&gt;&lt;br /&gt;Thanks for your help in this matter.&lt;br /&gt;&lt;br /&gt;Answer: &lt;br /&gt;&lt;br /&gt;They really don't have much to worry about. Their ss checks cannot be garnished for any reason by anybody except the U.S. Government. Tell them that and that they should not even worry about it.&lt;br /&gt;&lt;br /&gt;On the other hand, while it may be illegal for anyone to garnish their checks it can and has been done countless times simply because oldsters didn't know that and didn't know how to protect themselves.&lt;br /&gt;&lt;br /&gt;Here are some of the things they need to learn and do and that you can do to help them learn.&lt;br /&gt;1. Have them get a digital voice recorder. They can get one at many places such as Target, Radio Shack, Circuit City and more. It don't have to be really expensive so long as it has a USB port. Do they have a computer? If not, help them get one and teach them how to use it. The computer can record phone calls too. If they don't want to do any of that then just have them keep a written diary of all the calls, date, time and phone number. If they don't have caller ID then get one. Those are really cheap if you shop for them.&lt;br /&gt;&lt;br /&gt;2. Teach them not to take abuse on the phone and teach them to demand validation of the debt. Teach them that although everybody has a moral obligation to pay their bills it is not a crime to refuse to pay that which you cannot pay. Teach them that the necessities of life are far more important than the bills are. Teach them that they can be sued and they can get a judgment against them for not paying the bill but a judgment is only a court order saying that they owe the money but it is not a court order saying the must pay. The court order saying they must pay is a separate process entirely. Tell them that if they get a garnishment hearing summons or a summons for an assets hearing they must go to those kinds of hearings and then they can tell the judge that they are on SSI and have no other income. That should take care of it.&lt;br /&gt;&lt;br /&gt;There are lots of things they can learn from me for free. Give them my  phone number and tell them that if they have any questions about their problems I'll be glad to talk to them and try to help as much as I can for free. If and when the time comes they need more help than I can afford to give for free I'll tell them and if they can't afford it they will owe me nothing. I do hope they have a computer and internet access however. Just makes things so much easier.&lt;br /&gt;&lt;br /&gt;Bill Bauer&lt;br /&gt;405-237-2124 Voice line Call anytime&lt;br /&gt;405-227-9423 Voice line Call anytime&lt;br /&gt;405-684-9297 Fax only&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;div id=&quot;post_message_7260&quot;&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                &lt;br /&gt;                   Dial-in Number: (712) 432-1601&lt;br /&gt;                   Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;/div&gt;                                __________________&lt;br /&gt;   http://shrinkmylink.com/qlmqson Try this great new search engine!&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! Try it!&lt;/a&gt;&lt;br /&gt;  &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench - The lethal weapon against debt collectors&lt;/a&gt;&lt;br /&gt;       &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://Mailto:ceo@creditwrench.com/&quot;&gt;ceo@creditwrench.com&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;br /&gt;       Creditwrench Blog&lt;/a&gt;&lt;br /&gt;         &lt;span style=&quot;color:red;&quot;&gt;&lt;b&gt;&lt;br /&gt;(405) 237-2174- CALL ANYTIME&lt;br /&gt;(405) 684-9297 FAX NUMBER&lt;br /&gt;      (405) 227-9423 - CALL ANYTIME&lt;br /&gt;(405) 384-4508 - CALL ANYTIME&lt;br /&gt;&lt;br /&gt;     &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/Creditwrench.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;/b&gt;&lt;/span&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-768035388240928962?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-768035388240928962</guid>
         <pubDate>Thu, 24 Jul 2008 12:19:00 +0000</pubDate>
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      <item>
         <title>Do the right thing</title>
         <link>http://allexpertsblog.blogspot.com/2008/07/do-right-thing.html</link>
         <description>Debt collection practices&lt;br /&gt;&lt;br /&gt;Question:  I was unemployed between August 2006 and August 2007 and as a result defaullted on a number of debts with a total value of over $50,000.  After obtaining employment in 2007 I began makeing payment on these debts on a regular and consistant basis.  Some are already paid off and others are gradually paying down.  One account of unsecured credit in the amount of $24,000 was sold to a collection attorney.  After 6 minths of payments at $400 per month I increased my payments to $500 per month.  For the next few months I found they were no longer taking the payments on the scheduled date, and I had to call each time and set up the payment.  Each time the collector first offers me an offer for a settlement in full which I cannot accept as I no access to cash for a lump sum payment.  I offer to continue my payments with the expectation of increasing my payment to $1000 per month in October 2008.  The collectors have then become abuse and tell me they have no obligation to accept my monthly payment and have intention to sue or take &quot;other&quot; legal actions.  Each time they have eventually  taken that months payment over the phone.  What recourse do I have if they refuse to contine taking my payments?&lt;br /&gt;&lt;br /&gt;Answer:  You have no recourse at all so long as you are trying to cooperate with them. They take your good efforts as a sign of weakness and much like a barking dog which will become much more aggressive if you show fear.&lt;br /&gt;&lt;br /&gt;You need to learn to defend yourself against the possibility that one day they will do just what they threaten to do and file a lawsuit on you. Accept the fact that they might very well do just that. Prepare yourself for that eventuality now. Learn what laws they violate, record all phone conversations with them using a digital voice recorder and keep a written record of them as well. You will soon have a nice history of their violations.&lt;br /&gt;&lt;br /&gt;When the time comes that you have a few violations recorded start controlling the conversations instead of letting them control the conversations. If they refuse to take your payments and start their illegal threats tell them that if they want to take you to court then they should do just that. Tell them to either take your money or take you to court. Tell them you are sick and tired of getting this hassle every time you want to make a payment. When they start giving you a hard  time demand a full accounting of the debt.&lt;br /&gt;&lt;br /&gt;Let them know you are not the least bit afraid of them or their lawyers.&lt;br /&gt;After all, there is no need to be afraid of them or their lawyers if you are well prepared to not only deal with them on a local basis but on a federal basis as well.&lt;br /&gt;&lt;br /&gt;What you don't seem to realize is that they will never give you any receipt for your payments and you will probably end up paying forever and stand an excellent chance of ending up in court anyway.&lt;br /&gt;&lt;br /&gt;I realize that you are fearful of having to go to court but once you have become familiar with how to go there and defend yourself against their lawyers and win there is nothing to fear except fear itself.&lt;br /&gt;&lt;br /&gt;Learn that even though you pay them and try to do the right thing your payments are actually being used against you via your credit reports.&lt;br /&gt;You are actually doing nothing but buying your own bad credit.&lt;br /&gt;&lt;br /&gt;I don't blame you for trying to do the right thing and nobody else will either but are you really doing the right thing for yourself? That is a question you should be seriously considering.&lt;br /&gt;&lt;br /&gt;I can assure you that while you are doing the right thing from a moral standpoint you are doing the wrong thing for your own good. You are simply paying out huge sums of money fruitlessly hoping to stave off what may well  turn out to have been inevitable anyway.&lt;br /&gt;&lt;br /&gt;All that money could be going towards your eventual retirement or making a better life for yourself.&lt;br /&gt;&lt;br /&gt;&lt;div id=&quot;post_message_7260&quot;&gt;Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                  &lt;br /&gt;                    Dial-in Number: (712) 432-1601&lt;br /&gt;                    Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;/div&gt;                                __________________&lt;br /&gt;    http://shrinkmylink.com/qlmqson Try this great new search engine!&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://feedjumbler.com/cc3539a5/html.jhtml&quot;&gt;This Sigline updates constantly! Try it!&lt;/a&gt;&lt;br /&gt;   &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/&quot;&gt;Creditwrench - The lethal weapon against debt collectors&lt;/a&gt;&lt;br /&gt;        &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://Mailto:ceo@creditwrench.com/&quot;&gt;ceo@creditwrench.com&lt;/a&gt;     &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;br /&gt;        Creditwrench Blog&lt;/a&gt;&lt;br /&gt;          &lt;span style=&quot;color:red;&quot;&gt;&lt;b&gt;&lt;br /&gt;(405) 684-9297- CALL ANYTIME&lt;br /&gt;(405) 684-9297 FAX NUMBER&lt;br /&gt;       (405) 227-9423 - CALL ANYTIME&lt;br /&gt;(405) 384-4508 - CALL ANYTIME&lt;br /&gt;&lt;br /&gt;      &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://creditwrench.blogspot.com/&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/Creditwrench.gif&quot; alt=&quot;&quot; border=&quot;0&quot;/&gt;&lt;/a&gt;&lt;br /&gt;       &lt;/b&gt;&lt;/span&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-2666401583998221441?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-2666401583998221441</guid>
         <pubDate>Thu, 24 Jul 2008 08:30:00 +0000</pubDate>
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      <item>
         <title>Bankruptcy?</title>
         <link>http://allexpertsblog.blogspot.com/2008/07/bankruptcy.html</link>
         <description>Question:  &lt;br /&gt;&lt;br /&gt;hello and thanks for taking the time.&lt;br /&gt;I have been financing my wife real estate business for 2.5 years hoping she could pay back, unfortunately i have racked up allot of debt as a result and no longer have the cash flow. Credit cards are at 50,000 combined. they have shut down my lines and because i am getting squeezed i have misled one payment. I have assets cars etc to sell but the market is bad so i don't know if i can raise that kind of money. I also anticipate loosing my job in the small town i work in in about a year. I have gone one month behind on my credit card bills only. I have not spoken to the credit card companies yet. I would like to negotiate a payoff! please advise, I have no problem filing bk once i am laid off as well.&lt;br /&gt;&lt;br /&gt;Answer:&lt;br /&gt; Your plans sound very rational and well laid. Looks like you have it all figured out as to what is the best thing to do but I don't think I can agree that they are the best course of action you could choose for you and your family. As you now know it wasn't a good idea to try to finance your wife's real estate business. That cost you dearly. I have found that the more money one has to put into a new startup business the less likely it is to succeed while in contrast to that a business that is going to be successful will be that way right from the start and will generate a good cash flow very quickly. Of course, that depends on the type of business. Naturally you can't start many businesses for nothing. You can't start a convenience store without buying the stock the store needs to sell but I'm talking about service type businesses where no stock or inventory is required and the owner's labor is about all that is needed at first. Basically speaking a real estate business only needs the owner's labor to get going. Sell a house or two and the cash to get going should be available.&lt;br /&gt;&lt;br /&gt;But now you are in deep trouble and say that even though you sell off all your assets you still wouldn't have enough cash to get yourself out of debt and your situation is going to get much worse day by day because they will keep on adding a mountain of interest, late fees and what have you and when you can't keep up and default entirely they will turn it over to collection agencies who will add thousands more. Sooner or later the debt collectors will send it to their lawyers who will add on even more thousands of dollars.&lt;br /&gt;&lt;br /&gt;Of course, you will file bankruptcy and hope to get rid of the mess that way since you will also have lost your employment by that time.&lt;br /&gt;&lt;br /&gt;So then what do you plan for a future? Just retire and live on pension or what? Looks like a very bleak future you have planned for yourself to me.&lt;br /&gt;&lt;br /&gt;You also say you would like to negotiate a reduced payoff. You might be able to do that in some cases but probably not in all cases. Some won't deal with you at all. But even if you can work out a reduced settlement offer it will be reported to the credit bureaus that way and that won't help your future any either. Bad credit can not only make it impossible to buy things like cars you might need to get to the grocery store, the doctor, and back and forth to a new job if you can find one and with bad credit you might not be able to get good employment.&lt;br /&gt;&lt;br /&gt;So why plan a miserable future? Now is the time to start taking positive steps instead of negative ones. Why not do as a North Dakota rancher is doing right now? Dusty got hit with some problems and fell behind on a credit card debt to Citibank. He too owed them about the same amount as you do and they turned it over to a debt collector in Bismark which is about 90 miles from his ranch. As soon as they contacted him he sent them a demand for validation to which they never responded except to call his wife's father and start asking him how many cows Dusty owned and when asked why they wanted to know that they told the old man the whole story and how much Dusty owed them.&lt;br /&gt;&lt;br /&gt;Then they turned it over to a lawyer who filed a lawsuit against Dusty. Dusty sent the lawyer a demand for validation which the lawyer ignored and Dusty also filed a response to the court, sent it to the lawyer along with demand for interrogatories, admissions and production of documents. When the lawyer answered he answered one of the questions by stating that he didn't have to abide by the Fair Debt Collection Practices Act. He also made a couple of other mistakes as well which also violated FDCPA. Dusty prepared a complaint against both the debt collector and the attorney and got it finished today. Next he will work on his memorandum of law which may take him a couple of days since this is his first federal case and then he will prepare an intent to sue letter and send his already prepared case and the intent to sue letter to both the lawyer and the debt collector and see how they react to that.&lt;br /&gt;&lt;br /&gt;If they want to keep from having to answer Dusty's federal complaint they will have to dismiss their case against him and take all related derogatory remarks off his credit report.&lt;br /&gt;&lt;br /&gt;If they ignore him and go on to court on the 18th of August as now is planned Dusty will simply file his federal case and then the cheese will become much more binding. He will win beyond a shadow of a doubt&lt;br /&gt;and because they won't want to go to a federal jury trial and try to explain why they violated the law they will want to settle out of court which Dusty will be only too happy to accept but the terms of settlement will be vastly stiffer. Besides what he would have settled for earlier he will tack on the $350 filing fee, attorney fees at $125 an hour for his time preparing the case and he will have added in their violations of Fair Credit Reporting Act. Those violations will cost another $3,000 per month for each month they have been in violation plus damages. They get nothing and pay Dusty more money than his little ranch will make in a year and Dusty walks off with pristine credit. How did all that become possible? Because they apparently thought Dusty was just a dumb old rancher and the truth is that before he started he didn't know a thing about FDCPA or FCRA, much less how to successfully prepare, present and argue a federal court case. He still has a lot to learn but he is getting the job done very quickly.&lt;br /&gt;&lt;br /&gt;Now then, whose plan is better? You tell me.&lt;br /&gt;&lt;br /&gt;Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                    &lt;br /&gt;                     Dial-in Number: (712) 432-1601&lt;br /&gt;                     Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-7421187297160237301?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-7421187297160237301</guid>
         <pubDate>Wed, 23 Jul 2008 14:44:00 +0000</pubDate>
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         <title>Civil summons. What should I do?</title>
         <link>http://allexpertsblog.blogspot.com/2008/07/civil-summons-what-should-i-do.html</link>
         <description>Judgement Civil Summons&lt;br /&gt;Question:  I received a Civil Summons for a Judgement brought against me from a credit card company.  The Collection company is out of Kansas.  The collection company is going through an attorney in Tucson, AZ.  I live in Phoenix, AZ.  What should I do?&lt;br /&gt;&lt;br /&gt;Answer:  What should you do? Respond to the court summons then learn to fight back by taking advantage of their mistakes and violations of federal law. It is the only way to win. You owe them money for your mistake of not paying when due and they want you to pay dearly for that mistake yet they make mistakes all the time and think nothing of it. Of course they want you to think nothing of their mistakes either. Never mind our mistakes it is your mistakes we are worried about they say. Its not fair that you accepted their money, goods or services and don't pay it back. That's their argument and of course we all know that it is a valid argument that the judge will accept and therefore rule in their favor. Of course we should have paid them and we would have if we could but we just didn't have the money to keep up with their demands. We didn't just go out and deliberately run up bills we knew we couldn't pay. Something unforseen happened and we had no choice but to default.&lt;br /&gt;&lt;br /&gt;Now they have filed a lawsuit which will end up as a judgment against you and from there it will go into a garnishment which they will use to take up to 25% of each paycheck or go garnish your bank account or maybe even go to your home and grab up any valuables they can find. They will do anything the law allows them to do to get their money.&lt;br /&gt;&lt;br /&gt;Things are already tough for you. Its costing more and more to heat and cool your home, buy the gasoline you need to get to work or the store or other places you have to go as well as food and other essentials getting more and more expensive every day. You are barely getting by now so what will you do with 25% less money than you have now? How will you make it? Hold garage sales and sell off everything you can possibly do with out? That's not going to get the job done and you already know that. Or will you go get another job and see them take 25% of your second job too? The second job will most likely pay less than your first job and with gasoline costing what it does today and going up and up daily you won't gain a thing from that second job.&lt;br /&gt;&lt;br /&gt;I can't see any alternative but to learn how to fight back and win by using their mistakes against them just as they are using your mistakes&lt;br /&gt;against you. Can you think of any other alternative other than just putting up with it? If so I'd like to know what other options there are too. After all, there might come a time in the future when I might be faced with the same problem you are today but I'll have the knowledge and the skills needed to fight back and make them pay me instead of the other way around.&lt;br /&gt;&lt;br /&gt;When the wolf comes to my door which I firmly believe he will do sooner or later he is going to have to bring an awfully big picnic basket with him. First of all I'll be recording every howl he lets out. I'll demand that he validate his claim right away. When he turns his claim over to a lawyer he will suddenly find himself trying to explain to a federal judge why he did all the things he did that he wasn't supposed to do and then when his friend the shark (Lawyer)tries to take a bite out of my hide he will also find himself explaining the same kinds of things to a federal judge.&lt;br /&gt;&lt;br /&gt;I'm not worried about my ability to catch them making mistakes. The problem they have is that there are so many ways they can break the law that it is almost impossible for them to attempt to collect a debt without breaking the law one way or another. I'll catch them every time and make them pay before they get to the point of making me pay and I'll use the law against them.&lt;br /&gt;&lt;br /&gt;I'm not an original genius. I'm just an average old man so if I can do it so can you. I can't give you legal advice but I can teach you what I know. I can't fix your credit for you because I'm not a credit repair expert and I don't fix anybody's credit but I can teach you what I know and if you use that knowledge to get you out of the fix your are in then more power to you. And if you decide you aren't going to take this lying down you will probably end up teaching me some things I didn't know too. That's just the way it works. I don't think I've ever had a student who didn't teach me something or other and I've had a lot of students over the years.&lt;br /&gt;&lt;br /&gt;So what should you do? I think you should learn how to fight them off instead of just taking it on the chin.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;/strong&gt;        &lt;hr style=&quot;color:rgb(209, 209, 225);&quot; size=&quot;1&quot;&gt;                &lt;div id=&quot;post_message_7260&quot;&gt;Bill Bauer&lt;br /&gt;405-684-9297&lt;br /&gt;405-227-9423&lt;br /&gt;&lt;br /&gt;Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/qlmqson&quot;&gt;http://www.shrinkmylink.com/qlmqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;RECOMMENDED READING&lt;br /&gt;Subscribe to Creditwrench mailing list on google groups.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/iomqson&quot;&gt;http://www.shrinkmylink.com/iomqson&lt;/a&gt; Creditwrench google group by email.&lt;br /&gt;See all my questions and how I answered them.&lt;br /&gt;Just send an email to &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;mailto:ceo@creditwrench.com&quot;&gt;ceo@creditwrench.com&lt;/a&gt; and ask to join my mailing list of all answers. I'll put you on the list and you can easily unsubscribe any time you wish.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/hhlqson&quot;&gt;http://www.shrinkmylink.com/hhlqson&lt;/a&gt;  FDCPA EXPERT&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howjudgmentswork.html&quot;&gt;www.creditwrench.com/howjudgmentswork.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/18questions.html&quot;&gt;www.creditwrench.com/18questions.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/kmlqson&quot;&gt;http://shrinkmylink.com/kmlqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/objections.html&quot;&gt;www.creditwrench.com/objections.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.com/howcreditwrenchworks.html&quot;&gt;www.creditwrench.com/howcreditwrenchworks.html&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/bnlqson&quot;&gt;http://www.shrinkmylink.com/bnlqson&lt;/a&gt; List of community property states&lt;br /&gt;How to answer a summons&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/exlqson&quot;&gt;http://www.shrinkmylink.com/exlqson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.&lt;br /&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&quot;&gt;http://www.creditwrench.tv/MIKEJM-06-27-08.mp3&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/uimqson&quot;&gt;http://www.shrinkmylink.com/uimqson&lt;/a&gt; Mike JM tells about Greentree Financial case.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/xsjqson&quot;&gt;http://shrinkmylink.com/xsjqson&lt;/a&gt;&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.shrinkmylink.com/danqson&quot;&gt;http://www.shrinkmylink.com/danqson&lt;/a&gt; Mark in Rhode Island gets settlement offer&lt;br /&gt;&lt;br /&gt;Statute of Limitations for all states&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://shrinkmylink.com/zlwpson&quot;&gt;http://shrinkmylink.com/zlwpson&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;How to set up your hard drive for creditwrench files. Makes them easy to find.&lt;br /&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://tinyurl.com/3lqxaw&quot;&gt;http://tinyurl.com/3lqxaw&lt;/a&gt;&lt;br /&gt;The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.&lt;br /&gt;                    &lt;br /&gt;                     Dial-in Number: (712) 432-1601&lt;br /&gt;                     Access code: 508548#&lt;br /&gt;&lt;br /&gt;You might also want to visit our message forum at &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://consumers.creditwrench.com/&quot;&gt;http://consumers.creditwrench.com&lt;/a&gt; to get answers to questions you need answered before next Friday night.&lt;/div&gt;&lt;div class=&quot;blogger-post-footer&quot;&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/8312289709404087563-1936611235740570786?l=allexpertsblog.blogspot.com' alt=''/&gt;&lt;/div&gt;</description>
         <author>Creditwrench</author>
         <guid isPermaLink="false">tag:blogger.com,1999:blog-8312289709404087563.post-1936611235740570786</guid>
         <pubDate>Wed, 23 Jul 2008 08:01:00 +0000</pubDate>
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         <title>New this week on the Inside Network Job Board: SponsorPay, Spooky Cool, Plumbee and more</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/Gi0nGvzbsBM/</link>
         <description>The Inside Network Job Board is dedicated to providing you with the best job opportunities across social and mobile application platforms. Here are this week’s highlights from the Inside Network Job Board, including positions at SponsorPay, GREE International, Inc., Social Point, King.com, Atari, TinyCo, Addmired, &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/18/new-this-week-on-the-inside-network-job-board-sponsorpay-spooky-cool-plumbee-and-more/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63809</guid>
         <pubDate>Sat, 18 Feb 2012 20:00:18 +0000</pubDate>
         <content:encoded><![CDATA[<p>The <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/">Inside Network Job Board</a> is dedicated to providing you with the best job opportunities across social and mobile application platforms.</p>
<p>Here are this week’s highlights from the <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/">Inside Network Job Board</a>, including positions at <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130016&amp;c=twjf">SponsorPay</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130083&amp;c=twjf">GREE International, Inc.</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130117&amp;c=twjf">Social Point</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129300&amp;c=twjf">King.com,</a> <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129609&amp;c=twjf">Atari</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129855&amp;c=twjf">TinyCo</a>, <a rel="nofollow">Addmired</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130145&amp;c=twjf">PlayMesh</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128901&amp;c=twjf">Spooky Cool Labs</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128917&amp;c=twjf">Identified</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129372&amp;c=twjf">XMG Studio</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129304&amp;c=twjf">FashionPlaytes, Inc.</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129081&amp;c=twjf">Stealth Mobile Startup</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128736&amp;c=twjf">Plumbee</a>, <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128862&amp;c=twjf">Mobile Deluxe</a> and <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128774&amp;c=twjf">Game Show Network</a>.</p>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2011/02/SponsorPay-Logo-RGB-500.jpg" alt="" width="200" height="30" border="0" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130016&amp;c=twjf">Director of Developer Relations</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2011/07/gree-international-inc.png" alt="" width="173" height="66" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128962&amp;c=twjf">Director of Business Development</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130083&amp;c=twjf">Senior Manager, Corporate Development</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/02/social-point.jpg" alt="" width="200" height="40" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130113&amp;c=twjf">Product Manager (Video Games)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130115&amp;c=twjf">iOS Developer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130117&amp;c=twjf">Senior Systems Administrator</a></li>
</ul>
<p><em><strong><a rel="nofollow" target="_blank" href="http://jobs.insidenetwork.com/opening/detailjob.php?jid=11819"><img src="http://www.insidefacebook.com/wp-content/uploads/2011/06/king.com_.png" alt="" width="115" height="60" vspace="10"/></a></strong></em></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129300&amp;c=twjf">3D Artist</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129301&amp;c=twjf">IT Support Engineer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129302&amp;c=twjf">Game Developer – Social and Mobile Games</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129618&amp;c=twjf">Ad Operations Traffic</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129707&amp;c=twjf">Senior Producer, Social Games – King.com</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129708&amp;c=twjf">Product Manager Network</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/02/atari-e1328722150298.gif" alt="" width="84" height="100" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129609&amp;c=twjf">Monetization Analyst – Mobile/Social Games</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129610&amp;c=twjf">Acquisition Marketing Manager – Mobile Games</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129611&amp;c=twjf">Mobile Producer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129613&amp;c=twjf">Mobile Advertising Sales Manager</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129614&amp;c=twjf">Business Development Director – Mobile Games</a></li>
</ul>
<p><a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/04/13/new-jobs-this-week-on-the-inside-network-job-board/tinyco-2/"><img src="http://www.insidefacebook.com/wp-content/uploads/2011/04/tinyco.png" alt="" width="158" height="53" vspace="10"/></a></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129851&amp;c=twjf">Data Analyst</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129852&amp;c=twjf">Product Manager</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129853&amp;c=twjf">C++ Game Engineer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129854&amp;c=twjf">Game Designer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129855&amp;c=twjf">UI Artist</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/01/addmired-e1326309101761.png" alt="" width="199" height="80" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129292&amp;c=twjf">UX Artist</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129646&amp;c=twjf">Erlang Infrastructure Developer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129644&amp;c=twjf">C/C++ Game Developer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129647&amp;c=twjf">Tools Engineer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129648&amp;c=twjf">Scalability Engineer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129653&amp;c=twjf">Build/Release Engineer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129676&amp;c=twjf">Senior Producer/Project Manager</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129678&amp;c=twjf">QA/CS Director</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129679&amp;c=twjf">Senior Operations Engineer</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129681&amp;c=twjf">Acquisition Manager/Mobile Ad Buyer</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/02/PlayMeshInc.png" alt="" width="196" height="37" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=130145&amp;c=twjf">Backend Game Developer</a></li>
</ul>
<p><a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/04/13/new-jobs-this-week-on-the-inside-network-job-board/scl/"><img src="http://www.insidefacebook.com/wp-content/uploads/2011/04/scl-150x85.jpg" alt="" width="150" height="85"/></a></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128901&amp;c=twjf">Marketing Director</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128900&amp;c=twjf">Software Engineer – Games Front End/Unity</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2011/08/identified-logo-sept2-small3.jpeg" alt="" width="167" height="67" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128917&amp;c=twjf">Core Software Engineer</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/01/xmg-e1328079130339.jpeg" alt="" width="158" height="90" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129372&amp;c=twjf">Data Jockey</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/01/fashion-playtes-e1328079369400.jpeg" alt="" width="110" height="110"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129304&amp;c=twjf">Social Game Designer</a></li>
</ul>
<h2>Stealth Mobile Startup</h2>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=129081&amp;c=twjf">Senior Android Engineer</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/01/plumbee-e1326870516918.jpeg" alt="" width="100" height="100" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128736&amp;c=twjf">Head of Mobile/Senior Mobile Producer</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/01/mobile-deluxe-e1327518026856.jpeg" alt="" width="100" height="100" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128859&amp;c=twjf">Art Director</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128862&amp;c=twjf">Senior Programmer</a></li>
</ul>
<p><img src="http://www.insidefacebook.com/wp-content/uploads/2012/01/gns-e1327518364446.jpeg" alt="" width="90" height="90" vspace="10"/></p>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/jobview.asp?joid=128774&amp;c=twjf">Senior QA Engineer-Mobile Games</a></li>
</ul>
<p><em>Listings on the <a rel="nofollow" target="_blank" href="http://www.mediabistro.com/insidenetwork-jobs/">Inside Network Job Board </a>are distributed to readers of Inside Social Games, Inside Facebook and Inside Mobile Apps through regular posts and widgets on the sites. Your open positions are being seen by the leading developers, product managers, marketers, designers and executives in the Facebook Platform and social gaming industry today.</em></p>
<img src="http://feeds.feedburner.com/~r/InsideFacebook/~4/Gi0nGvzbsBM" height="1" width="1"/>]]></content:encoded>
         <category>Jobs</category>
      </item>
      <item>
         <title>Facebook Roundup: fellowship, Africa, shareholders, Windows Phone, more</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/5VTicb1_Xqo/</link>
         <description>Facebook announces 2012 fellows - Facebook announced 12 picks for its Fellowship Program this week. The company had about 300 applicants for the positions which include a year&amp;#8217;s worth of tuition, a $30,000 stipend, $5,000 for travel and $2,500 for a computer. &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/17/facebook-roundup-fellowship-africa-shareholders-windows-phone-more/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63943</guid>
         <pubDate>Sat, 18 Feb 2012 02:00:05 +0000</pubDate>
         <content:encoded><![CDATA[<p><strong><img src="http://www.insidefacebook.com/wp-content/uploads/2012/02/fellowship.jpeg" alt="" width="200" height="258" align="right" hspace="10" vspace="10"/></strong><strong>Facebook announces 2012 fellows</strong> - Facebook <a rel="nofollow" target="_blank" href="http://www.facebook.com/notes/facebook-engineering/announcing-the-2012-2013-facebook-fellows/10150558596698920">announced</a> 12 picks for its Fellowship Program this week. The company had about 300 applicants for the positions which include a year&#8217;s worth of tuition, a $30,000 stipend, $5,000 for travel and $2,500 for a computer.</p>
<p>Fellows have specialties including mobile computing, computer networking and cloud computing, machine learning, storage systems, search, distributed systems, programming language technology, computer security, programming languages, computer security, distributed data storage and programming languages and computer security.</p>
<p><strong>Mobile coverage in Africa could mean growth for Facebook</strong> &#8211; French mobile carrier Orange <a rel="nofollow" target="_blank" href="http://techcrunch.com/2012/02/16/facebooks-mobile-net-widens-as-orange-turns-on-access-in-africa/">announced</a> a new service for low-end mobile phones in Africa, meaning that about 70 million subscribers may now be able to access Facebook.</p>
<p><strong>ISS criticizes Facebook’s shareholder rights</strong> &#8211; Institutional Shareholder Services analysts <a rel="nofollow" target="_blank" href="http://www.reuters.com/article/2012/02/13/us-facebook-idUSTRE81C16I20120213">wrote</a> this week that Facebook’s dual-class share structure may cause problems if the structure ever changes. Analysts wrote that this dual structure potentially divides owners into opposing groups, creating potential for future conflict.</p>
<p><strong>Microsoft’s Windows phone Facebook app upgraded</strong> - A new version the Facebook app for Microsoft’s Windows Phone, was <a rel="nofollow" target="_blank" href="http://www.geekwire.com/2012/microsofts-facebook-app-windows-phone-muchneeded-upgrade">introduced</a> this week and includes a new profile design, banner images, access to pages, groups, the ability to view Likes and more.</p>
<p><strong><img src="http://www.insidefacebook.com/wp-content/uploads/2012/02/tomorrwo-world-war-e1329521634520.png" alt="" width="200" height="221" align="right" hspace="10" vspace="10"/>Australian film simultaneously released in theaters, Facebook </strong>- “Tomorrow, When the War Began” is an Australian film that is set to be <a rel="nofollow" target="_blank" href="http://www.facebook.com/twtwb.usa">released</a> into U.S. theaters, Facebook and VOD at the same time, on Feb. 24. The film is being distributed by Milyoni’s Social Cinema technology. [Image via <a rel="nofollow" target="_blank" href="http://www.facebook.com/photo.php?fbid=124228401032565&amp;set=a.124228394365899.19549.124227381032667&amp;type=3&amp;theater">Facebook</a>]</p>
<p><strong>Paul Ceglia owes Facebook $76K</strong> &#8211; The man who claims to own part of Facebook, Paul Ceglia, owes the company a hefty sum of legal fees, according to U.S. Magistrate Judges Leslie Foschio. The judge <a rel="nofollow" target="_blank" href="http://www.zdnet.com/blog/facebook/judge-paul-ceglia-owes-facebook-76000-and-counting/9113">ordered</a> Ceglia to pay about $76,000 in legal fees to the company.</p>
<p><strong>Vitrue’s SRM livestreams Coldplay across 240 pages</strong> &#8211; iHeartRadio used Vitrue’s SRM technology to <a rel="nofollow" target="_blank" href="http://www.vitrue.com/coldplay-live-on-a-facebook-page-near-youactually-240-of-them/">livestream</a> a Coldplay concert across 240 Clear Channel-affiliated pages last week.</p>
<img src="http://feeds.feedburner.com/~r/InsideFacebook/~4/5VTicb1_Xqo" height="1" width="1"/>]]></content:encoded>
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         <title>Brighter Option combines Page Insights, Ads API to improve Facebook ad planning</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/SjDjHMxZ-V4/</link>
         <description>Facebook Ads API partner Brighter Option announced an update to its Social Ads Manager tool that makes ad creation and optimization more efficient. Most notably, the company now integrates the Page Insights API to help businesses choose effective ad creative &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/17/brighter-option-combines-page-insights-ads-api-to-improve-facebook-ad-planning/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63934</guid>
         <pubDate>Fri, 17 Feb 2012 23:14:02 +0000</pubDate>
         <content:encoded><![CDATA[<p><img class="alignright size-full wp-image-63938" title="brighter-option-sam" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-17-at-3.12.56-PM.png" alt="" width="141" height="97" hspace="20" vspace="10"/>Facebook Ads API partner <a rel="nofollow" target="_blank" href="http://www.brighteroption.com/SAM/index.htm">Brighter Option</a> announced an update to its Social Ads Manager tool that makes ad creation and optimization more efficient. Most notably, the company now integrates the Page Insights API to help businesses choose effective ad creative for page post ads.</p>
<p><a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/09/26/sponsored-stories-tracking-tags-page-post-selection/">Page post ads</a> are a relatively new offering from Facebook. Instead of developing creative with a headline, body copy and image, businesses can promote posts they already made on their Facebook pages. Brighter Option now shows posts’ engagement metrics within the ad creation section, which gives advertisers more context than Facebook’s self-serve dashboard and other ad tools provide.</p>
<p>Brighter Option CEO Peter Goodman says part of the goal with this feature is to solve some of the problems that result when companies have different agencies doing advertising and page management. Bringing page insights to the ad builder increases efficiency and we imagine it will encourage advertisers to rethink what type of content works best in Facebook ads.</p>
<p>The Social Ad Manager has come a long way since <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2010/11/30/brighter-option-social-ads-manage/">we profiled the tool in 2010</a>. The London-based company has introduced several features that make Facebook ad planning and campaign management less onerous. We liked the easy navigation between analytics and scheduling, the find-and-replace feature for making copy changes across multiples ads, the ZIP code area map and shortcuts in the creative builder. For advertisers seeking a software solution rather than managed services for Facebook advertising, Brighter Option is worth testing. The company offers a <a rel="nofollow" target="_blank" href="http://www.brighteroption.com/SAM/pricing.htm">free trial</a> of its tool.</p>
<p><img class="aligncenter size-full wp-image-63935" title="Creative Builder" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Creative-Builder.png" alt="" width="650" height="372"/></p>
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         <title>Santorum gains most new fans; Gingrich gets Timeline this week on Inside Facebook’s Election Tracker</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/sqyeSwKJnSQ/</link>
         <description>Rick Santorum continues to gain more new Facebook Likes per day than other Republican primary candidates. His page averaged more than 2,600 new fans per day, according to our Inside Facebook Election Tracker. Santorum also has a very high ratio &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/17/santorum-gains-most-new-fans-gingrich-gets-timeline-this-week-on-inside-facebooks-election-tracker/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63923</guid>
         <pubDate>Fri, 17 Feb 2012 20:06:30 +0000</pubDate>
         <content:encoded><![CDATA[<p><a rel="nofollow" target="_blank" href="http://pagedata.appdata.com/pages/facebook/rick-santorum/44746457369">Rick Santorum</a> continues to gain more new Facebook Likes per day than other Republican primary candidates. His page averaged more than 2,600 new fans per day, according to our <a rel="nofollow" target="_blank" href="http://elections.insidefacebook.com/">Inside Facebook Election Tracker</a>.</p>
<p>Santorum also has a very high ratio of People Talking About This to total Likes &#8212; about 48 percent compared to <a rel="nofollow" target="_blank" href="http://pagedata.appdata.com/pages/facebook/newt-gingrich/19182454196">Newt Gingrich</a>’s 18 percent, <a rel="nofollow" target="_blank" href="http://pagedata.appdata.com/pages/facebook/ron-paul/6233046685">Ron Paul</a>’s 9 percent and <a rel="nofollow" target="_blank" href="http://pagedata.appdata.com/pages/facebook/mitt-romney/21392801120">Mitt Romney</a>’s 6 percent. Part of this is attributable to the <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2012/02/10/santorum-soars-this-week-on-inside-facebooks-election-tracker/">influx of new fans</a> after Santorum swept the Super Tuesday elections. The other factor is how active his team has been making between 9 and 17 posts each day.</p>
<p><img class="aligncenter size-full wp-image-63924" title="election-tracker-2-17" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-17-at-7.26.24-AM-e1329508792725.png" alt="" width="650" height="322"/></p>
<p>Gingrich has had the slowest fan page growth of all the candidates this month. He is the only candidate, however, to <a rel="nofollow" target="_blank" href="https://www.facebook.com/gingrich">create a Timeline profile</a> and enable subscribers. He has fewer than 2,800 subscribers as of this post, but if he can work with Facebook to get a <a rel="nofollow" title="Facebook starts verifying popular accounts" target="_blank" href="http://www.insidefacebook.com/2012/02/16/facebook-starts-verifying-popular-accounts/">verified account</a>, Gingrich could start to see more subscribers. So far his team is making more posts to the fan page than Timeline, but we will watch how the use of each space evolves over the course of the campaign.</p>
<p>The next primaries are in Arizona and Michigan on Feb. 28.</p>
<p><img class="aligncenter size-full wp-image-63925" title="gingrich-timeline" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-17-at-11.24.38-AM.png" alt="" width="635" height="357"/></p>
<img src="http://feeds.feedburner.com/~r/InsideFacebook/~4/sqyeSwKJnSQ" height="1" width="1"/>]]></content:encoded>
         <category>Election Tracker</category>
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      <item>
         <title>Tabs, Jewels of the Amazon, Walmart, Angry Birds, more on this week’s emerging Facebook apps by MAU</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/SoimafCZlfs/</link>
         <description>Page tab and other page applications were popular on our list of emerging apps by monthly active users, there were a group of games led by Jewels of the Amazon, an app from Walmart and Angry Birds, too. The apps &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/17/tabs-jewels-of-the-amazon-walmart-angry-birds-more-on-this-weeks-emerging-facebook-apps-by-mau/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63909</guid>
         <pubDate>Fri, 17 Feb 2012 19:12:18 +0000</pubDate>
         <content:encoded><![CDATA[<p><a rel="nofollow" target="_blank" href="http://www.appdata.com/"><img src="http://www.insidefacebook.com/wp-content/uploads/2011/05/appdata3.png" alt="" width="206" height="57" align="right" hspace="10" vspace="10"/></a></p>
<p>Page tab and other page applications were popular on our list of emerging apps by monthly active users, there were a group of games led by Jewels of the Amazon, an app from Walmart and Angry Birds, too.</p>
<p>The apps grew from between 130,000 and 310,000 MAU, based on <a rel="nofollow" target="_blank" href="http://appdata.com/?utm_source=If&amp;utm_medium=text-upper&amp;utm_content=editorial-top-20-mau&amp;utm_campaign=adp">AppData</a>, our data tracking service covering traffic growth for apps on Facebook. We define emerging applications as those that ended with between 100,000 and 1 million MAU in the past week.</p>
<p><span style="color:#990000;font-size:22px;">Top Gainers This Week</span></p>
<table width="505">
<tbody>
<tr>
<th></th>
<th align="left"><a rel="nofollow" target="_blank" href="http://www.appdata.com/gainers/week?sort=name">Name</a></th>
<th align="left" width="80"><a rel="nofollow" target="_blank" href="http://www.appdata.com/gainers/week?sort=gain&amp;fanbase=100000,1000000&amp;genre_id=Select%20category&amp;list_select=apps&amp;metric_select=mau">MAU</a></th>
<th><a rel="nofollow" target="_blank" href="http://www.appdata.com/gainers/week?sort=gain&amp;fanbase=100000,1000000&amp;genre_id=Select%20category&amp;list_select=apps&amp;metric_select=mau">Gain</a></th>
<th><a rel="nofollow" target="_blank" href="http://www.appdata.com/gainers/week?sort=gain_pct&amp;fanbase=100000,1000000&amp;genre_id=Select%20category&amp;list_select=apps&amp;metric_select=mau">Gain,%</a></th>
</tr>
<tr>
<td valign="top">1.</td>
<td align="left"><img src="http://graph.facebook.com/115462065200508/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/115462065200508-static-iframe-tab">Static IFRAME Tab</a></td>
<td align="right">940,000</td>
<td><span style="color:#008000;">+310,000</span></td>
<td><span style="color:#ff9900;">+ 49%</span></td>
</tr>
<tr>
<td valign="top">2.</td>
<td align="left"><img src="http://graph.facebook.com/285539014799784/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/285539014799784-jewels-of-the-amazon">Jewels of the Amazon</a></td>
<td align="right">730,000</td>
<td><span style="color:#008000;">+260,000</span></td>
<td><span style="color:#ff9900;">+ 55%</span></td>
</tr>
<tr>
<td valign="top">3.</td>
<td align="left"><img src="http://graph.facebook.com/211427168875708/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/211427168875708-static-iframe-tab-page-icon">Static IFRAME Tab : Page Icon</a></td>
<td align="right">770,000</td>
<td><span style="color:#008000;">+240,000</span></td>
<td><span style="color:#ff9900;">+ 45%</span></td>
</tr>
<tr>
<td valign="top">4.</td>
<td align="left"><img src="http://graph.facebook.com/209569249055691/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/209569249055691-static-html-ninth-tab">Static HTML&#8230; [Ninth Tab]</a></td>
<td align="right">780,000</td>
<td><span style="color:#008000;">+220,000</span></td>
<td><span style="color:#ff9900;">+ 39%</span></td>
</tr>
<tr>
<td valign="top">5.</td>
<td align="left"><img src="http://graph.facebook.com/214309071924895/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/214309071924895-woobox-custom-tab-arrow">Woobox Custom Tab | Arrow #2</a></td>
<td align="right">790,000</td>
<td><span style="color:#008000;">+220,000</span></td>
<td><span style="color:#ff9900;">+ 39%</span></td>
</tr>
<tr>
<td valign="top">6.</td>
<td align="left"><img src="http://graph.facebook.com/143103275748075/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/143103275748075-sweepstakes">Sweepstakes</a></td>
<td align="right">1,000,000</td>
<td><span style="color:#008000;">+210,000</span></td>
<td><span style="color:#ff9900;">+ 27%</span></td>
</tr>
<tr>
<td valign="top">7.</td>
<td align="left"><img src="http://graph.facebook.com/152645868106521/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/152645868106521--my-kingdom">我的王國(My Kingdom)</a></td>
<td align="right">880,000</td>
<td><span style="color:#008000;">+200,000</span></td>
<td><span style="color:#ff9900;">+ 29%</span></td>
</tr>
<tr>
<td valign="top">8.</td>
<td align="left"><img src="http://graph.facebook.com/216359575057664/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/216359575057664-my-local-walmart">My Local Walmart</a></td>
<td align="right">270,000</td>
<td><span style="color:#008000;">+190,000</span></td>
<td><span style="color:#ff9900;">+ 238%</span></td>
</tr>
<tr>
<td valign="top">9.</td>
<td align="left"><img src="http://graph.facebook.com/229478787107712/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/229478787107712-hoop-de-loop-saga">Hoop De Loop Saga</a></td>
<td align="right">650,000</td>
<td><span style="color:#008000;">+160,000</span></td>
<td><span style="color:#ff9900;">+ 33%</span></td>
</tr>
<tr>
<td valign="top">10.</td>
<td align="left"><img src="http://graph.facebook.com/218080624896002/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/218080624896002-fbml-tab-maker">FBML Tab Maker</a></td>
<td align="right">470,000</td>
<td><span style="color:#008000;">+150,000</span></td>
<td><span style="color:#ff9900;">+ 47%</span></td>
</tr>
<tr>
<td valign="top">11.</td>
<td align="left"><img src="http://graph.facebook.com/150043631727305/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/150043631727305-tab-builder-basic-blue">Tab Builder: Basic Blue (3)</a></td>
<td align="right">650,000</td>
<td><span style="color:#008000;">+150,000</span></td>
<td><span style="color:#ff9900;">+ 30%</span></td>
</tr>
<tr>
<td valign="top">12.</td>
<td align="left"><img src="http://graph.facebook.com/151816111531678/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/151816111531678-tower-blocks">Tower Blocks</a></td>
<td align="right">820,000</td>
<td><span style="color:#008000;">+150,000</span></td>
<td><span style="color:#ff9900;">+ 22%</span></td>
</tr>
<tr>
<td valign="top">13.</td>
<td align="left"><img src="http://graph.facebook.com/191034970944620/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/191034970944620-woobox-custom-tab-arrow">Woobox Custom Tab | Arrow #3</a></td>
<td align="right">550,000</td>
<td><span style="color:#008000;">+150,000</span></td>
<td><span style="color:#ff9900;">+ 38%</span></td>
</tr>
<tr>
<td valign="top">14.</td>
<td align="left"><img src="http://graph.facebook.com/215494645155789/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/215494645155789-woobox-custom-tab-arrow">Woobox Custom Tab | Arrow #4</a></td>
<td align="right">490,000</td>
<td><span style="color:#008000;">+150,000</span></td>
<td><span style="color:#ff9900;">+ 44%</span></td>
</tr>
<tr>
<td valign="top">15.</td>
<td align="left"><img src="http://graph.facebook.com/185710698120550/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/185710698120550-angry-birds-seasons">Angry Birds Seasons</a></td>
<td align="right">630,000</td>
<td><span style="color:#008000;">+140,000</span></td>
<td><span style="color:#ff9900;">+ 29%</span></td>
</tr>
<tr>
<td valign="top">16.</td>
<td align="left"><img src="http://graph.facebook.com/173762196028475/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/173762196028475-lucky-cruise">Lucky Cruise</a></td>
<td align="right">690,000</td>
<td><span style="color:#008000;">+140,000</span></td>
<td><span style="color:#ff9900;">+ 25%</span></td>
</tr>
<tr>
<td valign="top">17.</td>
<td align="left"><img src="http://graph.facebook.com/212097992149339/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/212097992149339-static-iframe-tab">Static IFRAME Tab</a></td>
<td align="right">800,000</td>
<td><span style="color:#008000;">+140,000</span></td>
<td><span style="color:#ff9900;">+ 21%</span></td>
</tr>
<tr>
<td valign="top">18.</td>
<td align="left"><img src="http://graph.facebook.com/242743749084709/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/242743749084709-tab-builder-badge">Tab Builder: Badge</a></td>
<td align="right">810,000</td>
<td><span style="color:#008000;">+140,000</span></td>
<td><span style="color:#ff9900;">+ 21%</span></td>
</tr>
<tr>
<td valign="top">19.</td>
<td align="left"><img src="http://graph.facebook.com/164842263565182/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/164842263565182-what-s-hot">What&#8217;s Hot</a></td>
<td align="right">140,000</td>
<td><span style="color:#008000;">+133,000</span></td>
<td><span style="color:#ff9900;">+ 1,900%</span></td>
</tr>
<tr>
<td valign="top">20.</td>
<td align="left"><img src="http://graph.facebook.com/94839219579/picture" alt="" width="16" height="16" align="top"/>  <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/94839219579--preguntas">21 Preguntas</a></td>
<td align="right">620,000</td>
<td><span style="color:#008000;">+130,000</span></td>
<td><span style="color:#ff9900;">+ 27%</span></td>
</tr>
</tbody>
</table>
<p>Tab apps, ranging from sweepstakes, iFrame, HTML, FBML and badges on our list grew from between 310,000 MAU to 140,000 MAU. The <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/216359575057664-my-local-walmart">My Local Walmart</a> app helps users locate their local stores via zip codes. <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/185710698120550-angry-birds-seasons">Angry Birds Seasons</a> is an app that allows users to send cards to their friends. Quiz app <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/94839219579--preguntas">21 Preguntas</a> asks users to invite all their friends to the app before using it.</p>
<p>Games were also popular on the list, as we mentioned, ranging from <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/285539014799784-jewels-of-the-amazon">Jewels of the Amazon</a> which grew by 260,000 to <a rel="nofollow" target="_blank" href="http://www.appdata.com/apps/facebook/173762196028475-lucky-cruise">Lucky Cruise</a> with 140,000 MAU.</p>
<p><em>All data in this post comes from our traffic tracking service, <a rel="nofollow" target="_blank" href="http://appdata.com/?utm_source=Isg&amp;utm_medium=text-lower&amp;utm_content=editorial-top-20-emerging&amp;utm_campaign=adp">AppData</a>. Stay tuned next week for our look at <em>the top weekly gainers by monthly active users on Monday, </em>the top weekly gainers by daily active users on Wednesday, and the top emerging apps on Friday.</em></p>
<img src="http://feeds.feedburner.com/~r/InsideFacebook/~4/SoimafCZlfs" height="1" width="1"/>]]></content:encoded>
         <category>AppData</category>
      </item>
      <item>
         <title>Facebook tests ‘suggested guests’ for events</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/FFVYFeJNNoA/</link>
         <description>Some Facebook users now see a “suggested guests” module on events they plan to attend. Suggested guests are listed on the right side of the event page along with an invite button. Facebook seems to serve suggestions based on interests &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/16/facebook-adds-suggested-guests-to-events/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63898</guid>
         <pubDate>Thu, 16 Feb 2012 23:39:26 +0000</pubDate>
         <content:encoded><![CDATA[<p>Some Facebook users now see a “suggested guests” module on events they plan to attend.</p>
<p><img class="alignright size-full wp-image-63899" title="suggested-guests" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-15-at-2.59.39-PM.png" alt="" width="251" height="177" hspace="20" vspace="10"/>Suggested guests are listed on the right side of the event page along with an invite button. Facebook seems to serve suggestions based on interests relevant to the event and mutual friends attending. This test feature could increase awareness and attendees for public events.</p>
<p>For instance, an event page for a concert might suggest friends who listen to the artist on Spotify and could lead people to decide to go together. This is more likely to occur if users can see why a person is listed as a suggested guest. Currently the module displays friends without any context.</p>
<p>This is another of several recent improvements to the events product. About two months ago, the social network <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/12/23/facebook-testing-suggested-events-based-on-pages-and-places/">introduced “Suggested Events</a>&#8220; to give users recommendations about events based on Open Graph activity, pages they Like and events that friends are attending. In November 2011, Facebook <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/11/17/facebook-updates-photo-uploading-events-ui/">updated the event page UI</a>. We’ve also seen Facebook <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/12/20/how-facebook-could-help-more-users-make-plans/">testing a “Make Plans” option</a> above News Feed.</p>
<img src="http://feeds.feedburner.com/~r/InsideFacebook/~4/FFVYFeJNNoA" height="1" width="1"/>]]></content:encoded>
      </item>
      <item>
         <title>Facebook starts verifying popular accounts</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/GSJiGQrAPK4/</link>
         <description>Facebook will allow a small number of public figures to verify their accounts beginning today, a spokesperson from the company confirms. Users with verified accounts will appear more often in “People To Subscribe To” recommendations on the site, but unlike &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/16/facebook-starts-verifying-popular-accounts/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63885</guid>
         <pubDate>Thu, 16 Feb 2012 21:50:43 +0000</pubDate>
         <content:encoded><![CDATA[<p>Facebook will allow a small number of public figures to verify their accounts beginning today, a spokesperson from the company confirms.</p>
<p>Users with verified accounts will appear more often in “People To Subscribe To” recommendations on the site, but unlike on Twitter and Google+, there will be no visual indication that a profile is official. These users will also have the option to display their more well-known pseudonyms, if applicable. For example, Curtis Jackson could choose to go by his stage name 50 Cent across the site, instead of displaying it as an alternate name as he does now. (See image below.)</p>
<p>Facebook says users with a large number of subscribers will see a notification to verify their accounts. Not everyone who allows subscribers will see this option, and for now, users cannot request to be verified.</p>
<p style="text-align:center;"><img class="aligncenter  wp-image-63886" title="50-cent-profile" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-16-at-10.20.57-AM.png" alt="" width="520" height="350"/></p>
<h3>What this does</h3>
<p>For Facebook, verifying accounts seems to be about improving its recommendations systems. Recommendation modules around the site have been key to the growth of the social network&#8217;s new subscribe feature. This will ensure that Facebook is presenting users with the real profiles of people they&#8217;re in which interested.</p>
<p>Serving quality recommendations and being flexible about names helps Facebook compete with Twitter as a platform for asymmetrical relationships. Public figures who are known by pseudonyms will appreciate the option to display that name more prominently. A verified user&#8217;s birth name will still be shown in the About section of Timeline.</p>
<h3>What this doesn&#8217;t do</h3>
<p>Currently, there isn&#8217;t a way for users to definitively tell whether an account is the official profile of someone to whom they want to subscribe. There are already plenty of fake celebrity profiles on the site, and as more public figures begin to use Facebook, the number of impostors will likely increase. The company will need to do something to distinguish its verified accounts or work harder to eliminate the fakes.</p>
<p>Facebook didn&#8217;t offer details on how verification might affect search. Subscriber numbers do not currently seem to influence how a user is ranked in search. This is frustrating for users and could lead some people to connect with fake pages.</p>
<p style="text-align:center;"><img class="aligncenter size-full wp-image-63888" title="usher-search-results" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-16-at-12.06.06-PM.png" alt="" width="500" height="486"/></p>
<p style="text-align:center;"><img class="aligncenter  wp-image-63887" title="fake-gaga-profile" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/Screen-Shot-2012-02-16-at-9.54.57-AM.png" alt="" width="520" height="322"/></p>
<img src="http://feeds.feedburner.com/~r/InsideFacebook/~4/GSJiGQrAPK4" height="1" width="1"/>]]></content:encoded>
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         <title>Facebook hires and departures: legal, privacy, search, engineering, data centers, more</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/Fq0w7Rpvays/</link>
         <description>Facebook&amp;#8217;s Careers page this week shows that the company removed a listing for IP counsel, as well as engineering positions in search, ads and several data center positions in Oregon and North Carolina. According to Facebook&amp;#8217;s LinkedIn feed, the company hired its Lead Privacy &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/16/facebook-hires-and-departures-legal-privacy-search-engineering-data-centers-more/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63874</guid>
         <pubDate>Thu, 16 Feb 2012 21:20:34 +0000</pubDate>
         <content:encoded><![CDATA[<p><img src="http://www.insidefacebook.com/wp-content/uploads/2011/04/facebook4.jpg" alt="" width="200" height="73" align="right" hspace="10" vspace="10"/>Facebook&#8217;s <a rel="nofollow" target="_blank" href="http://www.facebook.com/careers/">Careers</a> page this week shows that the company removed a listing for IP counsel, as well as engineering positions in search, ads and several data center positions in Oregon and North Carolina. According to Facebook&#8217;s <a rel="nofollow" target="_blank" href="http://www.linkedin.com/company/facebook/activity?fl=0">LinkedIn</a> feed, the company hired its Lead Privacy Counsel — Joshua Smith, formerly of Yahoo.</p>
<h3>New hires per <a rel="nofollow" target="_blank" href="http://www.linkedin.com/company/10667/activity?fl=2">LinkedIn</a>:</h3>
<ul>
<li><strong>Joshua Smith</strong><strong>, Lead Privacy Counsel</strong> &#8211; former senior legal director of privacy at Yahoo Inc.</li>
<li><strong>Peter Cottle</strong><strong>, Software Engineer </strong>- former autopilot software development intern at General Atomics Aeronautical Systems.</li>
<li><strong>Brian Thomas</strong><strong>, Software Engineer </strong>- former software engineering intern at Willow Garage.</li>
<li><strong>Faith Haddad</strong><strong>, Ad Review, Risk</strong> &#8211; former marketing intern at A Glimmer of Hope Foundation.</li>
<li><strong>Neasa Costin Bannon</strong><strong>, Client Partner UK</strong> &#8211; former sales manager at 98FM.</li>
</ul>
<div>
<h3><strong>Prior listings now removed from the <a rel="nofollow" target="_blank" href="http://www.facebook.com/careers/">Facebook Careers Page</a>:</strong></h3>
<ul>
<li>IP Counsel</li>
<li>Software Engineer, Search Ranking</li>
<li>Software Engineer, Ads Product (Seattle)</li>
<li>Marketing Communications Manager EMEA (London)</li>
<li>Manager, Datacenter Facilities Operations (Prineville)</li>
<li>Lead Data Center Technician (Forest City, NC)</li>
<li>Head of Policy (Arabic)</li>
<li>Head of Safety, Pan-Euro (London)</li>
<li>Partner Development Manager, Mobile (Hong Kong)</li>
<li>Custom Market Insights Lead (London)</li>
<li>Senior Analyst ,Custom Market Insights, Nordics (Stockholm)</li>
<li>Sales Manager – Global Marketing Solutions for SEA, India and Korea (Singapore)</li>
<li>DSO Account Manager (Sao Paulo)</li>
<li>Platform Operations &#8211; Contract (Menlo Park)</li>
<li>Product Specialist, Platform Operations</li>
<li>Manager, Business Operations &#8211; SMB</li>
<li>Partner Engineer</li>
<li>Lead, Measurement Solutions (New York)</li>
<li>Financial Analyst</li>
<li>Partner Engineer</li>
<li>Data Analyst (Menlo Park)</li>
<li>Associate,Tech Communications</li>
<li>Analyst, Measurement Solutions (New York)</li>
<li>Integration Engineer &#8211; HR Systems</li>
<li>Product and Sales Training Consultant (Singapore)</li>
<li>Diversity Technical Sourcer</li>
<li>Diversity Technical Sourcer-Contract</li>
<li>Recruiting Coordinator &#8211; Contract (Seattle)</li>
<li>Recruiting Manager (Austin)</li>
<li>Recruiting Sourcer (Menlo Park)</li>
<li>Recruiting Sourcer (New York)</li>
<li>Recruiting Sourcer &#8211; Contract (Dublin)</li>
<li>Technical Recruiter, Mergers and Acquisitions</li>
<li>University Strategic Sourcing Specialist</li>
<li>Oracle Database Administrator</li>
<li>Senior Strategist, Global Customer Marketing (Hamburg)</li>
<li>University, Business Operations Associate, Finance (Menlo Park)</li>
<li>University Intern: Account Executive (London)</li>
<li>University Business Intern: Advertising Operations</li>
<li>Technical Program Coordinator, Intern</li>
<li>Account Manager – Swedish (Dublin)</li>
<li>Small Business Marketing Manager, LATAM</li>
<li>Site Integrity Associate, User Operations</li>
<li>University Intern, Decision Support and Asset Analysis Intern</li>
<li>University Business Intern: EMEA Platform (Dublin)</li>
<li>University Business Intern: Platform Partnerships (London)</li>
<li>University Business Intern: Platform Partnerships (Paris)</li>
<li>University Business Intern: EMEA Sales and Business Development (London)</li>
<li>University Business Intern: Market Solutions Strategist (Milan)</li>
<li>University Business Intern: Sales (Hamburg)</li>
<li>University Business Intern: Sales Operations (Dublin)</li>
<li>University Business Intern: Sales (Paris)</li>
<li>University Business Intern: EMEA User Operations (Dublin)</li>
</ul>
<p><em>Who else is hiring? The <a rel="nofollow" target="_blank" href="http://jobs.insidenetwork.com/jobboard.php">Inside Network Job Board</a> presents a survey of current openings at leading companies in the industry.</em></p>
</div>
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         <title>Facebook career postings: engineering, mail, search, data centers, more</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/AnmD1jSIKBs/</link>
         <description>Facebook expanded its engineering offerings this week, posting positions for a mail, game, prepaid card partnership and several search engineering positions, according to its Careers page. Other positions included data center jobs, partnership, account management and support staff. The company&amp;#8217;s LinkedIn feed this &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/16/facebook-career-postings-engineering-mail-search-data-centers-more/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=63875</guid>
         <pubDate>Thu, 16 Feb 2012 21:02:06 +0000</pubDate>
         <content:encoded><![CDATA[<p><img src="http://www.insidefacebook.com/wp-content/uploads/2011/04/facebook4.jpg" alt="" width="200" height="73" align="right" hspace="10" vspace="10"/>Facebook expanded its engineering offerings this week, posting positions for a mail, game, prepaid card partnership and several search engineering positions, according to its <a rel="nofollow" target="_blank" href="http://www.facebook.com/careers/">Careers</a> page. Other positions included data center jobs, partnership, account management and support staff. The company&#8217;s <a rel="nofollow" target="_blank" href="http://www.linkedin.com/company/facebook/activity?fl=0">LinkedIn</a> feed this week showed insights and support staff positions were posted.</p>
<h3><strong>Posts added this week on Facebook’s Careers <a rel="nofollow" target="_blank" href="http://www.facebook.com/careers/">Page</a>:</strong></h3>
<ul>
<li>Software Engineer, Mail</li>
<li>Data Warehouse Operations Manager</li>
<li>Network Operations Engineers 120102</li>
<li>Manager, Production Engineering</li>
<li>Strategic Partner Development, Gaming</li>
<li>Strategic Partner Development, Prepaid Card Partnerships</li>
<li>Software Engineer 120201</li>
<li>Software Engineer, Ads and Pages (New York)</li>
<li>Software Engineer, Mail</li>
<li>Software Engineer, Search Infrastructure</li>
<li>Software Engineer, Search Product</li>
<li>Software Engineer, Search Ranking</li>
<li>Multimedia Designer</li>
<li>Associate, Business Operations, Mid-Market Sales (Austin)HR Specialist EMEA &#8211; Contract (Dublin)</li>
<li>Data Warehouse Operations Manager</li>
<li>Lead, EMEA People Services (Dublin)</li>
<li>Technical Sourcer &#8211; Contract (Dublin)</li>
<li>Salesforce Administrator</li>
<li>Business Intelligence Engineer</li>
<li>Data Analyst</li>
<li>Physical Security Manager, Data Centers (Forest City, NC)</li>
<li>Physical Security Systems Designer, Data Centers</li>
<li>Physical Security Systems Designer, Offices</li>
<li>eCrime Analyst</li>
<li>Analyst, Measurement Solutions (New York)</li>
<li>Lead, Measurement Solutions (New York)</li>
<li>Senior Analyst, Custom Market Insights (Sydney)</li>
<li>Ad Regulation Specialist</li>
<li>Communications Specialist</li>
<li>Privacy Specialist</li>
<li>Safety Specialist</li>
<li>Payroll Specialist</li>
<li>Senior Reporting Analyst</li>
<li>Administrative Assistant (Madrid)</li>
<li>Administrative Assistant (Milan)</li>
<li>Associate General Counsel, Labor &amp; Employment</li>
<li>Compliance Associate</li>
<li>Account Manager, Toronto</li>
<li>DSO Account Manager (Tokyo)</li>
<li>DSO Account Manager, Japan (Tokyo)</li>
<li>Associate, Ad Operations</li>
<li>Associate, Business Operations, Mid-Market Sales (Austin)</li>
<li>Team Lead 120202</li>
<li>Head of Policy (Russia)</li>
<li>Partner Manager, Marketing API (Dublin)</li>
<li>Client Partner (Melbourne)</li>
<li>Client Partner, Commercial Development (Sydney)</li>
<li>Client Partner, Korea (Singapore)</li>
<li>Associate, User Operations, Intellectual Property (Austin)</li>
<li>Associate, User Operations, Pages (Austin)</li>
<li>Associate, User Operations, Site Integrity</li>
<li>Marketing Manager, LATAM (Sao Paulo)</li>
<li>Partner Engineer, Platform</li>
<li>Global Customer Marketing Pod Lead (New York)</li>
<li>Industry Relations Manager (New York)</li>
<li>Strategic Partner Development, Gaming</li>
<li>Strategic Partner Development, Prepaid Card Partnerships</li>
</ul>
<h3>Jobs posted by Facebook on <a rel="nofollow" target="_blank" href="http://www.linkedin.com/company/facebook/activity?fl=0">LinkedIn</a>:</h3>
<ul>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560161&amp;trk=jobs_biz_nprem_srch">Client Partner, Australia (Singapore), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560146&amp;trk=jobs_biz_nprem_srch">Account Manager, Online Sales Operations, Australia (Singapore), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560131&amp;trk=jobs_biz_nprem_srch">Senior Analyst, Custom Market Insights (Sydney), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560071&amp;trk=jobs_biz_nprem_srch">Manager, Custom Market Insights (Singapore), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560063&amp;trk=jobs_biz_nprem_srch">Client Partner, Korea (Singapore), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560047&amp;trk=jobs_biz_nprem_srch">Associate General Counsel, Labor &amp; Employment, Facebook</a>&#92;</li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560031&amp;trk=jobs_biz_nprem_srch">Manager, National Sales, Global Marketing Solutions (Austin), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2560001&amp;trk=jobs_biz_nprem_srch">Client Partner (Austin), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2559990&amp;trk=jobs_biz_nprem_srch">Manager, Risk Management (Austin), Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2556784&amp;trk=jobs_biz_nprem_srch">Operations Engineer, Facebook</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2553630&amp;srchIndex=10&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Custom Market Insights, Senior Analyst : Nordics</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2553567&amp;srchIndex=11&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Custom Market Insights Senior Analyst :France and Southern Europe</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2553490&amp;srchIndex=12&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Custom Market Insights, Senior Analyst : DACH, Benelux</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2429860&amp;srchIndex=13&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Analyst, SMB Growth &#8211; German (Dublin)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2429850&amp;srchIndex=14&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Analyst, SMB Growth &#8211; UK and Ireland (Dublin)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2429836&amp;srchIndex=15&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Analyst, SMB Growth &#8211; Italian (Dublin)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2414162&amp;srchIndex=16&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Custom Market Insights Senior Analyst, London</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2411387&amp;srchIndex=17&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">International Fixed Assets General Ledger Accountant (EMEA)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2542558&amp;srchIndex=18&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Partner Manager, Marketing API (Dublin)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2534367&amp;srchIndex=19&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Client Partner, Commercial Development (Sydney)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2534308&amp;srchIndex=20&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Compliance Associate</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2533175&amp;srchIndex=21&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Business Operations Manager (Singapore)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2533169&amp;srchIndex=22&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Learning and Development Consultant (Hyderabad)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2533143&amp;srchIndex=23&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Legal Counsel (Hyderabad)</a></li>
<li><a rel="nofollow" target="_blank" href="http://www.linkedin.com/jobs?viewJob=&amp;jobId=2533117&amp;srchIndex=24&amp;trk=njsrch_hits&amp;goback=%2Efjs_*1_*1_*1_Y_*1_*1_*1_1_DD_true_*1_10667_*2_*2_*2_*2_*2_*2">Public Policy Manager (Sao Paulo)</a></li>
</ul>
<p><em>Who else is hiring? The <a rel="nofollow" target="_blank" href="http://jobs.insidenetwork.com/jobboard.php">Inside Network Job Board</a> presents a survey of current openings at leading companies in the industry.</em></p>
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         <title>Timeline coming soon for businesses</title>
         <link>http://feedproxy.google.com/~r/InsideFacebook/~3/gAPxigqcCKQ/</link>
         <description>Facebook plans to convert business pages to the new Timeline format as early as the end of February when the company will host an invitation-only marketing conference in New York City, according to AdAge. Marketers have been dreaming up ways &amp;#8230; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.insidefacebook.com/2012/02/15/timeline-coming-soon-for-businesses/&quot;&gt;Continue reading &lt;span class=&quot;meta-nav&quot;&gt;&amp;#8594;&lt;/span&gt;&lt;/a&gt;</description>
         <guid isPermaLink="false">http://www.insidefacebook.com/?p=62968</guid>
         <pubDate>Wed, 15 Feb 2012 23:56:00 +0000</pubDate>
         <content:encoded><![CDATA[<p>Facebook plans to convert business pages to the new Timeline format as early as the end of February when the company will host an invitation-only marketing conference in New York City, <a rel="nofollow" target="_blank" href="http://adage.com/article/digital/facebook-release-timeline-brands-month/232760/">according to AdAge</a>.</p>
<p><img class="alignright size-full wp-image-63868" title="facebook-pages" src="http://www.insidefacebook.com/wp-content/uploads/2012/02/set1.jpeg" alt="" width="180" height="232" hspace="20" vspace="10"/></p>
<p>Marketers have been dreaming up ways to use Timeline for businesses <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/09/22/facebook-launches-new-profile-feature-timeline-for-showing-all-your-important-content-on-one-page/">since the new profile debuted at f8</a>, but Timeline hasn’t been an option for brands because the social network requires companies use pages instead of profiles.</p>
<p>Timeline could be a significant improvement for pages, which users typically visit once to Like but they rarely return or spend much time on them. Giving brands more control over their presence on the social network is important for Facebook to maintain an advantage over Twitter and Google+. The change, however, could affect page tab apps, in which some companies have heavily invested over the past few years.</p>
<p>Page owners can look forward to a new design that allows for more branding with a cover photo and the option to resize posts. On the current pages, posts get easily lost, but with the Timeline algorithm, more important posts are surfaced when a user scrolls. Users can more easily find content that was shared weeks or even years ago. With an update to Facebook pages, businesses might also gain the ability to make posts to the past, as users now can with Timeline to share their history. A car company, for instance, might share photos of old models or a drink company might post vintage commercials.</p>
<p>A big question remains: what will happen to tab applications? Many pages &#8212; from top global brands to small local businesses &#8212; have invested in iFrame apps to welcome users to their pages or provide additional experiences. The company has frequently changed the size of tabs, forcing developers to redesign their apps, and it could do so again.</p>
<p>We also wonder whether Facebook’s mobile product will begin to support page apps, particularly if the company plans to bring <a rel="nofollow" title="Facebook likely to reject traditional mobile ad types in quest to monetize" target="_blank" href="http://www.insidefacebook.com/2012/02/02/facebook-likely-to-reject-traditional-mobile-ad-types-in-quest-to-monetize/">Sponsored Story ads to mobile devices soon</a>. Most advertisers will want a custom landing page if they are running a campaign, but perhaps a unique cover photo will satisfy that need.</p>
<p>The last time Facebook <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2010/12/06/profile-redesign-coax-data/">redesigned profile pages</a> in December 2010, business pages got a <a rel="nofollow" target="_blank" href="http://www.insidefacebook.com/2011/02/10/page-redesign-2011-guide/">matching update in February</a>. “We hope to make pages more consistent with Timeline in the future, but we have nothing further to share at this time,” a Facebook spokesperson says.</p>
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         <title>Ignoring Patient Safety = $1 Trillion Waste</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/b9HJt8C_xd8/ignoring-patient-safety-1-trillion-waste.html</link>
         <description>Former Bush administration Treasury Secretary Paul O’Neill identified a simple but crucial element that should be front and center in the health care reform debate and legislation: improving patient safety, which would, in turn, reduce health care costs. O’Neill rhetorically...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/07/ignoring-patient-safety-1-trillion-waste.html</guid>
         <pubDate>Wed, 08 Jul 2009 14:51:39 +0000</pubDate>
         <content:encoded><![CDATA[<p class="MsoNormal">Former Bush administration Treasury Secretary Paul O’Neill identified
a simple but crucial element that should be front and center in the health care
reform debate and legislation: improving patient safety, which would, in turn,
reduce health care costs.</p>

<p class="MsoNormal">O’Neill rhetorically asked in this <a rel="nofollow" target="_blank" href="http://www.nytimes.com/2009/07/06/opinion/06oneill.html?ref=opinion&amp;pagewanted=print">New
York Times op-ed piece</a>:</p>

<ul style="margin-top:0in;" type="disc">
 <li class="MsoNormal"><em>Which of the reform proposals will
 eliminate the millions of infections acquired at hospitals every year?</em></li>
</ul>

<ul style="margin-top:0in;" type="disc">
 <li class="MsoNormal"><em>Which of the proposals will eliminate
 the annual toll of 300 million medication errors?&#0160;</em></li>
</ul>

<ul style="margin-top:0in;" type="disc">
 <li class="MsoNormal"><em>Which of the proposals will eliminate
 pneumonia caused by ventilators?</em></li>
</ul>

<ul style="margin-top:0in;" type="disc">
 <li class="MsoNormal"><em>Which of the proposals will eliminate
 falls that injure hospital patients?</em></li>
</ul>

<ul style="margin-top:0in;" type="disc">
 <li class="MsoNormal"><em>Which of the proposals will capture
 even a fraction of the roughly $1 trillion of annual “waste” that is
 associated with the kinds of process failures that these questions imply?</em></li>
</ul>

<p class="MsoNormal">“So far,” O’Neill wrote, “The answer to each question is ‘none.’”</p>

<p class="MsoNormal">O’Neill calls it waste – that is, the unnecessary harms done
to patients on a daily basis and, he estimates, a trillion dollars in annual
costs to address those harms. He said that hospitals themselves can adopt simple
processes, such as hand-washing and proper preparation of surgical sites, to
cut down on costly injuries and deaths. He also suggested that members of
Congress seek more information on the dire problem of hospital-acquired infections,
provider errors and other similar “waste indictors.” <span>&#0160;</span>To sum up, he said: “(A)ny health care reform
that does not address the pervasive waste and the associated burden of needless
suffering for patients and staff alike will give us little to celebrate.”</p>

<p class="MsoNormal">Congress should heed O’Neill’s<span class="MsoCommentReference"><span style="font-size:8pt;"> </span></span>call.&#0160;</p><div class="feedflare">
<a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=b9HJt8C_xd8:9Lpf4pjnbxU:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=yIl2AUoC8zA" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=b9HJt8C_xd8:9Lpf4pjnbxU:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=7Q72WNTAKBA" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=b9HJt8C_xd8:9Lpf4pjnbxU:V_sGLiPBpWU"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?i=b9HJt8C_xd8:9Lpf4pjnbxU:V_sGLiPBpWU" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=b9HJt8C_xd8:9Lpf4pjnbxU:qj6IDK7rITs"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=qj6IDK7rITs" border="0"></a>
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         <title>Misplaced Malpractice Reform</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/tZzTTGmEoVk/misplaced-medical-malpractice.html</link>
         <description>by Kiren Gopal According to President Obama, health care reform should control costs, expand coverage, improve care, and guarantee choice. As Congress works to find politically palatable solutions to achieve those goals and health care interests continue to lobby –...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/07/misplaced-medical-malpractice.html</guid>
         <pubDate>Tue, 07 Jul 2009 19:10:25 +0000</pubDate>
         <content:encoded><![CDATA[<div><span style="font-style:italic;font-size:12px;font-family:Arial;">by Kiren Gopal</span></div><div><span style="font-size:12px;font-family:Arial;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">According to President Obama, health care reform should control costs, expand coverage, improve care, and guarantee choice. &#0160;As Congress works to find politically palatable solutions to achieve those goals and health care interests continue to lobby – to the tune of $1.4 million daily – some legislators instead choose to offer proposals to limit medical liability.</span></div><div><span style="font-size:12px;font-family:Arial;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">These proposals are based in part on the theory that frivolous malpractice claims are epidemic and represent a significant component of health care costs. &#0160;But according to th</span><span style="font-size:12px;font-family:Arial;">e </span><a rel="nofollow" target="_blank" href="http://www.citizen.org/publications/release.cfm?ID=7678"><span style="font-size:12px;font-family:Arial;">latest Public Citizen study of the National Practitioner Data Bank</span></a><span style="font-size:12px;font-family:Arial;">, nearly two-thirds of the individuals who were compensated in 2008 suffered an injury that resulted in “significant permanent injury, major permanent injur</span><span style="font-size:12px;font-family:Arial;">y, quadriplegia, brain damage or the need for lifelong care, or death.” These claims can hardly be described as frivolous. Perhaps the most telling point from the NPDB study is that the medical malpractice liability system accounts for just <span style="font-weight:bold;">0.6 percent</span> of national health care costs. Reducing accountability for medical malpractice is clearly an unsuitable focal point for reducing unnecessary costs.&#0160;</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">Groups like the American Medical Association and Common Good also contend that “defensive medicine,” where providers order unnecessary tests out of fear of lawsuits, also contributes to rising health care costs. But both the Congressional Budget Office and the National Bureau of Economic Research concluded that the effects of limiting tort liability on the practice of “defensive medicine” are “weak or inconclusive” and “at best ambiguous.”&#0160;</span></div><div><span style="font-size:12px;font-family:Arial;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">It is against this backdrop that some senators introduced amendments to restrict patients’ rights. &#0160;Senator Hatch’s amendment, for example, would impose an arbitrary cap on damages, leaving patients who suffer significant permanent injuries without adequate compensation. &#0160;But in the states, measures like this have not driven down costs. &#0160;A recent article in the <span style="font-style:italic;">New Yorker</span>, examining health care costs in a small Texas town, observed that although Texas capped malpractice awards in 2003, today McAllen is the second most expensive health care market in the country. Further, consumers’ insurance premiums and Medicare spending in Texas have continued to rise even after caps on damages became law.</span></div><div><span style="font-size:12px;font-family:Arial;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">Although none of these amendments has been adopted, there is reason to be concerned. &#0160;For example, Senate Finance Committee Chair Max Baucus released a health care reform white paper last November which contained liability proposals in the form of administrative compensation tribunals. &#0160;These “alternatives” are more similar to caps on damages than they seem because they are likely to limit compensation and immunize negligent providers from accountability. Whether the chairman will allow such provisions in the health care legislation is a matter to which we should pay close attention.</span></div><div class="feedflare">
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         <title>Sorry Works: Change We Can Believe In?</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/6U-AVJjsZCQ/sorry-works-change-we-can-believe-in.html</link>
         <description>by Kiren Gopal At a recent speech before the American Medical Association, President Obama expressed a concern for medical malpractice lawsuits and said that “we need to explore a range of ideas” to tackle the issue. However, the president hasn’t...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/06/sorry-works-change-we-can-believe-in.html</guid>
         <pubDate>Wed, 24 Jun 2009 15:30:32 +0000</pubDate>
         <content:encoded><![CDATA[<div><span style="font-style:italic;font-size:12px;font-family:Arial;">by Kiren Gopal</span><span style="font-size:12px;font-family:Arial;"><br /></span></div><div><span style="font-size:12px;font-style:italic;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">At a recent speech before the American Medical Association, President Obama expressed a concern for medical malpractice lawsuits and said that “we need to explore a range of ideas” to tackle the issue. However, the president hasn’t offered much in the way of clarification of his position on medical liability reform. &#0160;The only indication was a reported comment of a White House spokeswoman who “pointed to his support as a senator for a mediation program known as ‘Sorry Works.’”</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">In 2006, then-Senators Obama and Clinton introduced MEDiC (National Medical Error Disclosure and Compensation). &#0160;They wrote in the <span style="font-style:italic;">New England Journal of Medicine</span> that the program would provide grant money to health care providers to “implement programs for disclosure and compensation.” &#0160;In practice, this means that health care providers would disclose medical errors to the patient, offer an apology, and then try to negotiate compensation. &#0160;Additionally, the data yielded from the program would be analyzed to determine best practices. &#0160;The potential benefits of such a program are manifold: improved quality of care, more effective doctor-patient communication, and lower administrative and legal costs.</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">Successful implementations of similar models are in place at the University of Michigan Health System and the VA Hospital in Lexington, KY. &#0160;These programs have drawn on scholarship “explaining the importance of apology,” writes Robert Leflar in the <span style="font-style:italic;">Yale Journal of Health Policy, Law &amp; Ethics</span>. Proponents “assert that contrary to long-standing assumptions of liability insurers and hospital defense lawyers, disclosure and apology have in fact the practical benefit of diffusing some of the dissatisfaction that leads to compensation claims…” &#0160;And Professor Jonathan Todres notes that “[a] study published in the <span style="font-style:italic;">Lancet</span>, the leading British medical journal, found that as many as 37% of medical malpractice plaintiffs reported that they would not have filed their lawsuits if their doctors had sincerely apologized instead of stone-walling…An apology facilitates patients’ emotional healing.”</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">All of this is not to say that sorry works is a cure-all – or that any type of sorry works program would benefit patients. &#0160;The details matter. &#0160;Any federal legislation providing grants to set up these programs must ensure that the statute of limitations is tolled while negotiations for compensation are ongoing. A similar tolling requirement is contained in Vermont&#39;s sorry works program. &#0160;Patients should also be encouraged to obtain legal counsel during negotiations. &#0160;If safeguards are put in place to ensure that patients can still use the courts if they choose and not be disadvantaged by having gone through the sorry works process, then the program could work well. &#0160;For patients, it could potentially offer an easier way to obtain needed compensation; for both patients and doctors it could reduce legal defense costs considerably; and most important, by producing information on best practices for patient safety, it would address the root cause of medical malpractice and improve the quality of care.</span></div><div class="feedflare">
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         <title>Poll: Americans Oppose Forced Arbitration, Demand Corporations Be Held Accountable</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/Z05gOjs_qXs/poll-americans-oppose-forced-arbitration-demand-corporations-be-held-accountable.html</link>
         <description>Wide support exists across party lines for Arbitration Fairness Act; consumers, employees from around U.S. lobby lawmakers today Washington, DC – Americans widely oppose corporations using mandatory binding arbitration clauses in the fine print of consumer and employment contracts, according...</description>
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         <pubDate>Wed, 29 Apr 2009 16:48:51 +0000</pubDate>
         <content:encoded><![CDATA[<div class="content">
	
	
	<p><em>Wide support exists across party lines for Arbitration Fairness Act; consumers, employees from around U.S. lobby lawmakers today</em></p>
<p><strong>Washington, DC</strong> – Americans widely oppose
corporations using mandatory binding arbitration clauses in the fine
print of consumer and employment contracts, according to national
polling of likely voters conducted by Lake Research Partners.</p>
<p>Forced arbitration clauses are hidden in the fine print of
everything from cell phone, home, credit card and retirement account
terms of agreement to employment and nursing home contracts. Just by
taking a job or buying a product or service, consumers and employees
are forced to give up their right to take their case to court if they
are harmed by a corporation.</p><p>
</p></div>


<p>The poll results bolster already heightened scrutiny by lawmakers of
credit cards, mortgages, and other common consumer and employee
contracts. The bipartisan Arbitration Fairness Act (H.R. 1020) was
introduced by Rep. Hank Johnson (D-Ga.) in the House of Representatives
and will be introduced in the Senate by Sen. Russ Feingold (D-Wis.)
today. The measure will ensure that the decision to arbitrate is made
voluntarily and after a dispute has arisen, so corporations cannot
manipulate the arbitration system in their favor at the expense of
consumers. The Fairness in Nursing Home Arbitration Act (S. 512 / H.R.
1237), introduced by Sens. Mel Martinez (R-Fla.) and Herb Kohl (D-Wis.)
and Rep. Linda Sanchez (D-Calif.), would eliminate forced arbitration
clauses in nursing home contracts.</p>
<p>&quot;The findings show clearly that Americans strongly oppose forced
arbitration, and they see the Arbitration Fairness Act as a remedy. Not
only is there real intensity to this view, but it traverses traditional
partisan divides,&quot; said Lake Research Partners President Celinda Lake.
&quot;Forced arbitration clauses – which are buried in the fine print of
employment and consumer contracts – are another example of corporations
taking advantage of ordinary Americans. The public supports the
Arbitration Fairness Act because equal justice under the law is a core
American value.&quot;</p>
<p>The poll shows that:</p>
<ul>
<li>Six in 10 likely voters support the Arbitration Fairness Act – including majorities of Democrats, Republicans and Independents;</li>
<li>59 percent of likely voters oppose the use of mandatory binding arbitration clauses in employment and consumer contracts;</li>
<li>Two-thirds of respondents cannot remember ever reading about a
forced arbitration provision buried in the fine print of employment
terms or agreement for goods and services; and,</li>
<li>More than 70 percent of respondents believe they could take their
employer or a corporation to court in the event of a dispute, unaware
they could be subjected to mandatory binding arbitration.</li>
</ul>
<p>The results were unveiled today at a press conference in Washington,
D.C., organized by the Fair Arbitration Now Coalition, which represents
consumers, employees, homeowners and franchise holders. The groups
range from Public Citizen, the National Association of Consumer
Advocates, the National Employment Lawyers Association and the American
Association for Justice to the National Consumer Voice for Long-Term
Care, Home Owners for Better Building and the Leadership Conference on
Civil Rights.</p>
<p>“The Arbitration Fairness Act does not seek to eliminate arbitration
and other forms of alternative dispute resolution agreed to voluntarily
after a dispute arises,” the groups wrote last month in a letter to
lawmakers. &quot;Its sole aim is to end the unscrupulous business practice
of forcing consumers and employees into biased arbitrations by binding
them long before any disputes arise.&quot;</p>
<p>More than 50 consumers, employees and advocates lobbied lawmakers
today to pass the Arbitration Fairness Act. They came from Alabama,
California, Georgia, Iowa, Louisiana, Maryland, Michigan, Minnesota,
New Hampshire, Ohio, Pennsylvania, Tennessee, Texas and Virginia to
speak about how forced arbitration makes it nearly impossible to hold
companies accountable for wrongdoing.</p>
<p>&quot;One of our indelible rights is the right of a jury trial,&quot; Johnson
said. &quot;Guaranteed by the Constitution, this right has been gradually
ceded by citizens every day as they purchase a new cell phone, buy a
home, place a loved one in a nursing home, or accept a new job. Once
used as a tool for businesses to solve their disputes, arbitration
agreements have found their way into employment, consumer, franchise
and medical contracts.&quot;</p>
<p>Added Feingold, &quot;Americans are sick and tired of a system that so
strongly favors big corporations over consumers and in this case robs
them of their constitutional right to their day in court,&quot; Feingold
said. &quot;Americans are often given no choice but to give up their rights
if they want to sign credit card agreements, cell phone contracts, job
applications or other basic contracts. It&#39;s time for Congress to side
with consumers and employees and end this practice of forced
arbitration, which stacks the deck against the people Congress is
supposed to represent.&quot;</p>
<p>Members of Congress will hear from people like David Kurth, of
Burlington, Wis., whose father William died in 2005 due to severe
neglect of care while in a nursing home facility. When the Kurth family
tried to hold the nursing home corporation accountable in court, they
were told that another family member had signed a forced arbitration
clause. A judge agreed and said the case could not be heard in court.</p>
<p>&quot;Nursing home corporations are using arbitration clauses as
liability shields to insulate them from their own wrongful conduct,&quot;
said Kurth at today’s press conference.</p>
<p>The survey reached 800 adults nationwide, 18 years or older, who are
likely to vote in the 2010 elections. The overall margin of error is
+/-3.5%. The poll was commissioned by The Employee Rights Advocacy
Institute For Law &amp; Policy and Public Citizen, and funded by The
Public Welfare Foundation. Pollsters Celinda Lake and Daniel Gotoff of
Lake Research Partners are also available to discuss the poll results.
Please see media contacts above to arrange any interviews.</p>
<p>For more information, <a rel="nofollow" target="_blank" href="http://www.fairarbitrationnow.org/">visit www.FairArbitrationNow.org</a>.</p>
<p>CONTACT:</p>
<p>Ray De Lorenzi , American Association for Justice<br />
202-965-3500 x749, <a rel="nofollow" target="_blank" href="mailto:ray.delorenzi@justice.org">ray.delorenzi@justice.org</a></p>
<p>Angela Bradbery, Public Citizen<br />
202-588-7741, <a rel="nofollow" target="_blank" href="mailto:abradbery@citizen.org">abradbery@citizen.org</a></p>
<p>Donna Lenhoff, The Employee Rights Advocacy Institute For Law &amp; Policy<br />
202-898-2880, <a rel="nofollow" target="_blank" href="mailto:dlenhoff@nelahq.org">dlenhoff@nelahq.org</a></p>
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         <title>Arb Study Points Out System's Lack of Checks and Balances</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/zCxJeaHDgh0/arb-study-points-out-systems-lack-of-checks-and-balances.html</link>
         <description>Opponents of the Arbitration Fairness Act strained to see a glass half full in a new study on consumer arbitrations administered by the American Arbitration Association, but they didn’t realize that the tonic contained a poison pill. The study –...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/03/arb-study-points-out-systems-lack-of-checks-and-balances.html</guid>
         <pubDate>Thu, 12 Mar 2009 19:52:16 +0000</pubDate>
         <content:encoded><![CDATA[<p>Opponents of the Arbitration Fairness Act strained to see a glass half full in a new <a rel="nofollow" target="_blank" href="http://www.searlearbitration.org/p/full_report.pdf">study</a> on consumer arbitrations administered by the American Arbitration Association, but they didn’t realize that the tonic contained a poison pill.</p><p>

The study – released Wednesday by the Searle Center, a conservative Northwestern University think tank – found that consumers received an award in 53 percent of the cases they initiated and received about 52 percent of the amount they sought in those cases. Businesses received an award in 84 percent of cases they brought and won 93 percent of what they ask for in those cases. This means that businesses got roughly 78 percent of what they sought compared to 28 percent for consumers.</p>


<p>
Nonetheless, Lisa Rickard, the chief of the Chamber of Commerce’s legal policy arm, raced out a statement claiming the study showed arbitration to be "a fair, inexpensive and unbiased option" for consumers. (Her use of the word “option” was a bit ironic given that the Searle report examined only cases in which consumers were forced into arbitration by a contract clause; meanwhile, the Chamber is vigorously fighting the Arbitration Fairness Act, which would ensure that consumers have the option to go to court.)</p><p>

While it is difficult to construe a finding of fairness from the study’s results (Businesses 78, Consumers 28), other data in the report undermined the proposition of arbitration’s fairness in a much more fundamental way – and the Chamber swallowed it whole.</p><p>

The study found that AAA flagged nearly a quarter (23 percent) of the cases it received because businesses had included terms in their arbitration clauses that violated AAA’s due process rules. These violations included imposing excessive costs on consumers, limiting remedies, calling for arbitration hearings to be held in distant locations, and failing to provide for an impartial arbitrator. In most instances, the business agreed to modify its rules and the case went forward. But AAA refused to take nearly 10 percent of the cases.</p><p>

Rickard cheered this finding: "AAA actively promotes consumer fairness by strictly enforcing their due process rules and refusing to administer arbitration in cases where businesses were repeat violators of the AAA’s protocol."</p><p>
 
Oops. While this finding made AAA look good, it is devastating to the current legal regime surrounding arbitration, which is akin to the Wild West. Let’s say, purely hypothetically, that AAA is a paragon of fairness, and is entirely impervious to financial incentives to recruit and maintain customers. Maybe, in fact, AAA’s business clients so value their reputation that they will only use an arbitration firm of impeccable integrity. The Searle study touches on this proposition by suggesting that some businesses might actually want pro-consumer arbitrators just as some retailers instruct their return-desk employees "to give customers every benefit of the doubt."</p><p>

This view sounds a bit Pollyannaish. But even if accurate in some cases, it still would do absolutely nothing for consumers who find themselves in disputes against companies that do not share that outlook – which are likely the vast majority. Does anybody really believe payday lenders are guided by a "customer is always right" philosophy? What about health insurers? Credit card and cell phone providers? Most businesses have every incentive to choose an arbitration firm that’s good for the business, not the consumer. Public Justice litigator Paul Bland <a rel="nofollow" target="_blank" href="http://blogs.wsj.com/law/2009/03/11/consumers-rejoice-after-all-arbitration-is-fair-study-says/">pointed</a> this out in response to a Wall Street Journal blog item. [Scroll to “Update” for Bland’s remarks]</p><p>

It’s important to realize that businesses have complete control in designating who is eligible to conduct their arbitrations, that arbitration firms are entirely self-regulating, and that consumers’ recourse against even the most blatantly egregious arbitration rulings is next to nil.</p><p>

None of this is to say that the report completely exonerates AAA. The study also revealed that while AAA polices contract terms in lower stakes cases, it does not do so for higher-stakes cases (those in which more than $75,000 is at stake). This is not a misprint. "Administrative review is limited to cases seeking $75,000 or less," the Searle study says. "The Protocol still applies in cases in which the claimant seeks more than $75,000, but in those cases decisions on application of the Protocol are for the arbitrator."</p><p>

AAA’s fallibility and the lack of any assurances about other firms point to consumers enjoying almost no expectations of fairness in binding mandatory arbitration. Sure, arbitration might look fair in some instances. But those instances wouldn’t say much about the overall fairness of a system in which one side of a legal dispute can force the other into a hand-picked, private tribunal. Accepting that kind of system amounts to a public policy of crossing one’s fingers and hoping for a benevolent master. If our Founders had that philosophy, they would have commissioned a search committee for a better king and spared themselves from spending a hot summer in Philadelphia – indoors, with the windows closed – while they hammered out a system of checks and balances.</p><p></p><div class="feedflare">
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         <title>Time to Blow the Whistle on Washington</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/VF3U8bOmb3o/next-week-an-important-assembly-will-convene-to-urge-congress-to-take-the-next-step-forward-in-strengthening-accountability.html</link>
         <description>Beginning on Sunday, an important assembly will convene to urge Congress to take the next step forward in strengthening accountability and transparency in government. The 2009 National Whistleblower Assembly is a gathering of whistleblowers and advocates organized by the Make...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/03/next-week-an-important-assembly-will-convene-to-urge-congress-to-take-the-next-step-forward-in-strengthening-accountability.html</guid>
         <pubDate>Sat, 07 Mar 2009 05:38:37 +0000</pubDate>
         <content:encoded><![CDATA[<p>Beginning on Sunday, an important assembly will convene to urge Congress to take the next step forward in strengthening accountability and transparency in government. The <a rel="nofollow" target="_blank" href="http://makeitsafecampaign.org/index.php?option=com_content&amp;task=view&amp;id=55&amp;Itemid=1">2009 National Whistleblower Assembly</a> is a gathering of whistleblowers and advocates organized by the Make It Safe Coalition. Over the course of four days, the assembly will lobby members of Congress, share stories, and educate the public. The event takes place in Washington D.C. from Sunday, March 8th - Wednesday, March 11th.&#0160; </p><p>As <a rel="nofollow" target="_blank" href="http://citizen.typepad.com/watchdog_blog/2008/06/whistleblowers.html">we&#39;ve said</a> <a rel="nofollow" target="_blank" href="http://citizen.typepad.com/watchdog_blog/2008/09/protecting-the.html">over</a> and <a rel="nofollow" target="_blank" href="http://citizen.typepad.com/watchdog_blog/2009/02/deputy-agnominee-is-a-big-believer-in-whistleblowers.html">over </a>again, whistleblowers ensure real accountability, protect our tax dollars in the stimulus and other government spending, and are indispensable to a healthy, non-corrupt government. It&#39;s a disgrace that speaking out about government fraud, misconduct, waste and corruption is still such a risky endeavor, especially in these times, after countless studies have verified that whistleblowers are the most effective weapon against fraud.</p><p>If you can, please join us in D.C. and take a stand for government accountability and civil servant rights.&#0160; But if you can&#39;t make it to Washington, you can still help. <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/6693/campaign.jsp?campaign_KEY=26515">You can join</a> those making the rounds to members of Congress from home. </p><p>For more information about this event and whistleblower and taxpayer rights, <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/5489/content.jsp?content_KEY=4147">visit us here</a>.</p><div class="feedflare">
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         <title>Guns, Votes and DC</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/s0QaJZuDiJ4/guns-votes-and-dc.html</link>
         <description>On last Thursday, the Senate finally approved at least one vote in Congress for the long-disenfranchised citizens of the nation's capital. That was the hand that giveth . . . The other hand promptly took away the common-sense gun control...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/03/guns-votes-and-dc.html</guid>
         <pubDate>Tue, 03 Mar 2009 00:49:01 +0000</pubDate>
         <content:encoded><![CDATA[<p>On last Thursday, the Senate&#0160;<a rel="nofollow" target="_blank" href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=111&amp;session=1&amp;vote=00073">finally&#0160;approved</a> at least one vote in Congress for the long-disenfranchised citizens of the nation&#39;s capital.&#0160;&#0160;That was the hand that giveth . . . </p>

<p>The other hand promptly took away the common-sense gun control laws put into place by the locally-elected government of Washington, D.C.</p><p>Senator John Ensign (R-NV) offered an&#0160;amendment to the <a rel="nofollow" target="_blank" href="http://www.dcvote.org/advocacy/dcvra_111thmain.cfm?cid=1867&amp;uid=128004">D.C. House Voting Rights Act</a> (<a rel="nofollow" target="_blank" href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=111&amp;session=1&amp;vote=00073">61-37</a>) that - if it should&#0160;become law -&#0160;could&#0160;make D.C. one of the most free-wheeling-gun-toting places in the country.&#0160; It passed by <a rel="nofollow" target="_blank" href="http://www.senate.gov/legislative/LIS/roll_call_lists/roll_call_vote_cfm.cfm?congress=111&amp;session=1&amp;vote=00072">62-36</a>.&#0160; That&#39;s right - more guns got one vote more than democracy.</p>
<p>First of all, what business does Congress have&#0160;removing safeguards on selling and possessing firearms that meet the standards set by the highest court?&#0160; The D.C. City Council recently amended its local gun laws to comply with a <a rel="nofollow" target="_blank" href="http://www.huffingtonpost.com/tag/heller-decision">Supreme Court ruling</a>.&#0160; There is no sound reason for Congress to use extraordinary powers to preempt the democratic will of the people of D.C. - especially to make the city <em>less </em>safe.&#0160; </p>
<p>This gun measure is more than symbolism, or politics:&#0160; It&#39;s about public safety.&#0160; Specifically, the&#0160;gun amendment would&#0160;undermine federal anti-trafficking laws, repeal D.C.’s ban on&#0160;military-style weapons, allow teenagers to possess semiautomatic assault rifles, and prohibit D.C. from passing laws that could “discourage” gun possession or use, by anyone - even children or felons.</p>
<p>And exactly what do gun laws have to do with the right to vote?&#0160; House leadership should not consider this or&#0160;any other&#0160;<a rel="nofollow" target="_blank" href="http://www.rules.house.gov/archives/germane_over.htm">non-germane</a> proposal with this civil and voting rights bill.&#0160; This is about righting a historic wrong and&#0160;bringing more democracy to the so-called capital of the free world.&#0160;&#0160;</p>
<p>It seems some in Congress think it is within their power to rule over the more than half a million people who live in the District of Columbia, even if those people have no democratic representation in Congress. This has got to change. It&#39;s time to <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/1153/campaign.jsp?campaign_KEY=12068">tell members of the House</a> that We the People are more powerful than the gun lobby who are pushing to have their interests imposed upon&#0160;District residents.&#0160; </p>
<p>The House likely will vote on the bill on Wednesday, March 4.&#0160; Hopefully, they will walk our nation&#39;s democratic talk and do&#0160;right by the people of D.C. by restoring their voting representation in the House AND rejecting any attempts to undermine their local democratic government.&#0160; If they succeed, members of the House will then need to negotiate with the Senate for the removal of the dangerous and unnecessary gun amendment.&#0160; President Obama should not have to consider whether to sign a divisive gun measure into law at the same time he acts to return voting rights to the citizens of the District.</p>
<p>If you live outside of Washington, D.C., please feel enfranchised to <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/1153/campaign.jsp?campaign_KEY=12068">give your rep. a nudge</a> to take a stand for more democracy now.&#0160; District residents can thank their non-voting delegate, Eleanor Holmes Norton, for tirelessly fighting for their rights.</p><div class="feedflare">
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         <title>Deputy AG-Nominee is &quot;a big believer in whistleblowers&quot;</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/rT47MP3Irxo/deputy-agnominee-is-a-big-believer-in-whistleblowers.html</link>
         <description>This just in from Steven Aftergood's &quot;Secrey News&quot; blog with the Federation of American Scientists: David W. Ogden, who has been nominated to be the next Deputy Attorney General, last week expressed strong support for government whistleblowers who help to...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/02/deputy-agnominee-is-a-big-believer-in-whistleblowers.html</guid>
         <pubDate>Mon, 09 Feb 2009 20:12:46 +0000</pubDate>
         <content:encoded><![CDATA[<p><em>This just in from Steven Aftergood&#39;s &quot;Secrey News&quot; blog with the Federation of American Scientists:</em></p><p></p><p>David W. Ogden, who has been nominated to be the next Deputy
Attorney General, last week expressed strong support for government
<a rel="nofollow" target="_blank" href="http://action.citizen.org/t/5489/content.jsp?content_KEY=4147">whistleblowers</a> who help to expose corruption or malfeasance.</p>
<p>“I am a big believer in whistleblowers,” <a rel="nofollow" target="_blank" href="http://www.fas.org/sgp/news/2009/02/ogden.html">he said</a>
at his February 5 confirmation hearing before the Senate Judiciary
Committee, “and in the need to make sure that people feel comfortable
coming forward to make complaints.”</p>
<p>“I think what we need is a process that encourages whistleblowing in
this administration and any other administration going forward. The
business of making sure that we’re doing the right thing is an ongoing
business,” <a rel="nofollow" target="_blank" href="http://www.fas.org/sgp/news/2009/02/ogden.html">Mr. Ogden said</a> in response to a question from Sen. Sheldon Whitehouse.</p>
<p>He said he would work with the Attorney General “to fashion an
appropriate process that encourages whistleblowers to raise issues that
need to be addressed.”</p>
<p>Mr. Ogden also indicated a willingness to consider public disclosure
of certain legal opinions of the Foreign Intelligence Surveillance
Court.</p>
<p>Sen. Ron Wyden noted that “there are a lot of important rulings that
go to the meaning of surveillance law, and I think that a lot of those
kinds of judgments really could be redacted and declassified so that
the country could be brought in in a more informed, a more complete way
to these national-security debates.”</p>
<p>“I absolutely will commit to take a fresh look at this issue if I’m confirmed,” <a rel="nofollow" target="_blank" href="http://www.fas.org/sgp/news/2009/02/ogden.html">Mr. Ogden said</a>.</p>
<p>FIS Court opinions that interpret surveillance law were one of several categories of “secret law” that were <a rel="nofollow" target="_blank" href="http://www.fas.org/sgp/congress/2008/043008aftergood.pdf">identified</a> (pdf) in an April 30, 2008 Senate Judiciary Committee <a rel="nofollow" target="_blank" href="http://www.fas.org/sgp/congress/2008/law.html">hearing</a> on the subject.</p><p></p><p><em>Original post available<a rel="nofollow" target="_blank" href="http://www.fas.org/blog/secrecy/2009/02/big_believer.html"> here</a>.</em></p><div class="feedflare">
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         <title>A personal letter from Bunny Greenhouse</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/h9Zx8lh5IPw/a-personal-letter-from-bunny-greenhouse.html</link>
         <description>B elow is an important letter from Bunnatine Greenhouse who spoke up regarding the approval of a highly improper muti-billion dollar no bid contract to Halliburton for the reconstruction of Iraq. In retaliation for her courage she was removed from...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/02/a-personal-letter-from-bunny-greenhouse.html</guid>
         <pubDate>Mon, 09 Feb 2009 19:11:51 +0000</pubDate>
         <content:encoded><![CDATA[<p><em>B<img align="left" alt="bunny_greenhouse" border="0" height="100" hspace="5" src="http://www.whistleblowers.org/storage/whistleblowers/images/bunny_greenhouse.jpg" title="bunny_greenhouse" vspace="5" width="75"/>elow is an important letter from Bunnatine
Greenhouse who spoke up regarding the approval of a highly improper
muti-billion dollar no bid contract to Halliburton for the
reconstruction of Iraq. In retaliation for her courage she was removed
from her position as the highest-ranking civilian contracting official
at the Army Corps of Engineers. </em></p><p><br />My name is Bunny Greenhouse. I am the former Procurement Executive and highest-ranking Army Corps of Engineers civilian procurement official. </p><p>Today I am asking you to contact your Senators and Representatives to demand, in the strongest possible terms, that employees who disclose fraud in federal contracting are fully and properly protected in the 800 billion dollar stimulus package that Congress is currently debating. Here&#39;s why. </p><p>Shortly before the Iraq War commenced, I blew the whistle on improper contracting concerning the award of a multi-billion dollar no-bid, cost plus contract to Halliburton/KBR for the reconstruction of Iraq.</p><p>I was concerned that improper contracting activity would cost the taxpayers billions – and it did. The contract should not have been awarded. From my inside prospective, it was clear that the “fix was in” – the contract was going to be awarded to Halliburton no matter what I said or did. </p><p>Those who should have protested the contract remained silent. And their silence is not surprising because, as federal employees, we have no meaningful whistleblower protection! We can be fired for reporting fraud. We can lose our careers simply for doing our job and trying to protect the taxpayer. <br />I know this is true. It happened to me. The top brass demanded that I drop my protests. <a rel="nofollow" target="_blank" href="http://www.whistleblowers.org/index.php?option=com_content&amp;task=view&amp;id=782&amp;Itemid=139">I refused.</a> The top brass – many of whom had longstanding relations with government contractors – retaliated. They removed me from the Senior Executive Service and from anything having to do with contract oversight. When I went to federal court to demand protection the judge dismissed my case because as a federal employee I had no protection. </p><p><a rel="nofollow" target="_blank" href="http://action.citizen.org/t/5489/content.jsp?content_KEY=4147">The bottom line</a> is that without access to independent courts, real judges and juries, whistleblowers don’t stand a chance, and fairness and transparency will not see the light day.</p><p>Only Congress can fix this. The House of Representatives has already acted decisively by adding H.R. 985 to the stimulus bill, by a unanimous voice vote (now called H.R. 1, Section IV). President Obama&#39;s presidential campaign is on record as supporting the same whistleblower protections now found in House version of the stimulus bill. </p><p>So, the buck stops with the Senate. I urge you to <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/6693/campaign.jsp?campaign_KEY=26515">contact your Senators</a> and let them know that whistleblower protection is a critical part of the stimulus package for protection of the public trust. I urge you to contact your Representatives and tell them to hold strong -- and refuse to cut whistleblower protections from the bill. Federal employees, like me, who risk their careers to protect taxpayer money need to be protected.</p><p><a rel="nofollow" target="_blank" href="http://action.citizen.org/t/6693/campaign.jsp?campaign_KEY=26515">Please act now!</a> Pass this letter to your friends! Pass this letter to your co-workers! Pass this letter to your family! <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/6693/campaign.jsp?campaign_KEY=26515">Send a letter to your Senator Now! </a></p><p>Billions of taxpayer dollars are at stake and it is up to the Senate to do the right thing. </p><p>Very truly yours, </p><p>Bunnatine H. Greenhouse <br />Former Procurement Executive<br />Army Corps of Engineers </p><div class="feedflare">
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         <title>Post Editorial Misses Mark on Whistleblowers: Protections in Stimulus Bill Help Workers Hold Government Accountable</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/QFqKPq2zBkg/post-editorial-misses-mark-on-whistleblowers-protections-in-stimulus-bill-help-workers-hold-governme.html</link>
         <description>Today our whistleblower coalition responded to the Washington Post's outrageous editorial from February 2, 2009. A Joint Statement from a Coalition of Public Interest Groups Monday’s Washington Post editorial, “Wrong Way to Protect,” did a disservice to its readers and...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/02/post-editorial-misses-mark-on-whistleblowers-protections-in-stimulus-bill-help-workers-hold-governme.html</guid>
         <pubDate>Tue, 03 Feb 2009 17:52:52 +0000</pubDate>
         <content:encoded><![CDATA[<div><span style="font-style:italic;font-size:12px;font-family:Arial;">Today our whistleblower coalition responded to the Washington Post&#39;s outrageous editorial from February 2, 2009.</span></div><div style="text-align:center;"><span style="font-weight:bold;font-size:12px;font-family:Arial;">A Joint Statement from a Coalition of Public Interest Groups</span></div><div style="text-align:center;"><span style="font-size:12px;font-weight:bold;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">Monday’s Washington Post editorial, </span><span style="font-size:12px;font-family:Arial;">“</span><a rel="nofollow" target="_blank" href="http://www.washingtonpost.com/wp-dyn/content/article/2009/02/01/AR2009020101032.html"><span style="font-size:12px;font-family:Arial;">Wrong Way to Protect</span></a><span style="font-size:12px;font-family:Arial;">,</span>”<span style="font-size:12px;font-family:Arial;"> did a disservice to its readers and the taxpayers when it opposed provisions in the economic stimulus bill that are designed to empower federal whistleblowers.</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">The editorial argues that the reform should be pursued through ordinary legislative channels rather than included in the stimulus, stating “This is not the way it’s supposed to work.” &#0160;This is exactly how it is supposed to work: Federal whistleblower protection legislation has had the benefit of hearings, and has been vetted in both chambers for several years. &#0160;This is not an extraneous measure, as the editorial suggests. &#0160;In both chambers, the original stimulus bills included whistleblower protections for state and local employees. &#0160;Members of the House had the good sense to recognize that the massive stimulus package creates an urgent need for federal employees, who are the taxpayers’ first line of defense against waste and fraud, to be given the same protections afforded state and local employees. &#0160;</span></div><div><span style="font-size:12px;font-family:Arial;">Congress has diligently built a record to strengthen federal whistleblower protections through a robust legislative history (see fact sheet below). &#0160;Identical whistleblower protections overwhelmingly passed the House as a stand-alone measure, 331-94, in 2007. &#0160;Despite eight years of hearings, committee meetings, mark-ups, and four House and Senate votes, federal employees who expose waste, fraud and abuse remain vulnerable to intimidation, reassignment and termination, with no effective means to fight retaliation. &#0160;Even so, whistleblowers each day risk their careers and come forward with evidence of misconduct, much to the benefit of The Washington Post and other newspapers that have earned prizes for their reporting on information whistleblowers provided.</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">In addition, the editorial cites curious concerns about disclosures of classified information (which could have been cleared up with a careful reading of the text). &#0160;There is nothing in the bill to condone any “breach” – “unilateral” or otherwise. &#0160;However, after some members of Congress raised legitimate concerns about the procedure for disclosure of classified information, the House managers agreed on the floor to work together with the Intelligence Committee to address those concerns. &#0160;The members who raised the concerns were satisfied, and voted for the whistleblower amendment. &#0160;We too are confident that those issues will be resolved. &#0160;In fact, because the law will allow for only lawful disclosures to those with the appropriate security clearances, it actually will prevent leaks and so-called &quot;breaches.&quot; &#0160;</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">But it is important to recognize the central purpose behind protecting federal employees in the stimulus:&#0160;</span></div><div><span style="font-size:12px;font-family:Arial;">Taxpayers need their help in detecting fraud and waste. &#0160;The stimulus bill authorizes the expenditure of billions of taxpayer dollars; as taxpayers, we need the best oversight possible. &#0160;Countless studies have verified that whistleblowers are the most effective weapon against fraud. This includes recent statistics by the U.S. Department of Justice, which announced that whistleblowers were responsible for returning over $1 billion to the U.S. Treasury in 2008 alone. In addition, PriceWaterhouseCoopers recently surveyed more than 5,000 corporations worldwide and found that whistleblowers, by far, were the most effective means for the initial detection of corporate fraud, besting internal auditors and law enforcement. &#0160;The editorial asserts that it is somehow “disingenuous” to claim that whistleblowers will “enhance accountability.” &#0160;But the evidence shows that there is no better means of enhancing accountability. &#0160;We believe there is no excuse to spend another $888 billion without first locking in this proven accountability safeguard. &#0160;Lastly, whistleblower protections, unlike every other provision in the stimulus, will save money, not spend it.</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">If lawmakers reject these provisions, they will be sending federal employees a very strong signal: Keep your head down and don’t rock the boat. Employees know what happens to colleagues who step forward and expose waste, fraud and abuse in government. &#0160;Federal workers who have reported wrongdoing have lost more than 98.5 percent of cases at the Federal Circuit Court of Appeals since 1994, when Congress last unanimously strengthened the law. During the entire Bush administration, the U.S. Merit Systems Protection Board ruled only twice that the whistleblower law was violated.</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">It’s time to end the culture of secrecy and guarantee that the federal workforce has our support in making sure our stimulus dollars are spent honestly and effectively.</span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div><span style="font-size:12px;font-family:Arial;">Whistleblower Legislative History Fact Sheet available </span><a rel="nofollow" target="_blank" href="http://www.citizen.org/congress/govtaccount/articles.cfm?ID=18360 "><span style="font-size:12px;font-family:Arial;">here</span></a><span style="font-size:12px;font-family:Arial;">.</span></div><div><span style="font-size:12px;line-height:14px;">For more information on whistleblower protections, visit&#0160;<span style="font-size:13px;line-height:15px;"><span style="font-size:12px;font-family:Arial;"></span><span style="font-size:12px;line-height:14px;"><a rel="nofollow" target="_blank" href="http://www.whistlebloweraction.org">WhistleblowerAction.org.</a></span></span><a rel="nofollow" target="_blank" href="http://www.whistlebloweraction.org"></a></span></div><div><span style="font-size:12px;line-height:14px;"><br /></span></div><div style="text-align:center;"><span><span style="text-decoration:underline;font-size:12px;font-family:Arial;">Statement by:</span></span></div><div><span><div style="text-align:center;"><span style="text-align:center;font-size:12px;font-family:Arial;">American Federation of Government Employees ● &#0160;Government Accountability Project (GAP) ● Liberty Coalition ● National Employment Lawyers Association ● National Treasury Employees Union ● National Whistleblower Center ● OpenTheGovernment.org ● OMB Watch ● Project on Government Oversight ● Public Citizen ● Union of Concerned Scientists ● U.S. Bill of Rights Foundation</span><br /></div></span></div><div class="feedflare">
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         <title>Public Citizen Applauds House Vote to Encourage Federal Workers to Watchdog Spending of Taxpayer Dollars</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/gki6rMx-OVw/public-citizen-applauds-house-vote-to-encourage-federal-workers-to-watchdog-spending-of-taxpayer-dollars.html</link>
         <description>We applaud the House of Representatives for answering the call on Wednesday for more meaningful transparency and accountability in the federal spending bill. House lawmakers passed a critical, bipartisan whistleblower protection amendment offered by Reps. Todd Platts (R-Pa.) and Chris...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2009/01/public-citizen-applauds-house-vote-to-encourage-federal-workers-to-watchdog-spending-of-taxpayer-dollars.html</guid>
         <pubDate>Thu, 29 Jan 2009 22:14:51 +0000</pubDate>
         <content:encoded><![CDATA[<p style="text-align:left;"><a rel="nofollow" target="_blank" href="http://www.citizen.org/pressroom/release.cfm?ID=2810">We applaud</a> the House of Representatives for answering
the call on Wednesday for more meaningful transparency and
accountability in the federal spending bill. House lawmakers passed a
<a rel="nofollow" target="_blank" href="http://www.whistleblower.org/doc/2008/Amend128.pdf">critical, bipartisan whistleblower protection amendment</a> offered by
Reps. Todd Platts (R-Pa.) and Chris Van Hollen (D-Md.) that will
strengthen and expand protections for federal workers and contractors
who report waste, fraud and abuse. We strongly urge the Senate to
include the same commonsense whistleblower protections in its stimulus
spending legislation.</p>

<p style="text-align:left;">This is a true victory for taxpayers who will be
well-served if the final stimulus bill empowers hard-working federal
employees and contractors who are uniquely positioned to observe and
report if funds are mishandled. Workplace retaliation for reporting
wrongdoing is <a rel="nofollow" target="_blank" href="http://www.usatoday.com/news/washington/2006-11-23-whistle-blowers_x.htm">real</a> <a rel="nofollow" target="_blank" href="http://www.washingtontimes.com/news/2008/jun/26/retaliation-suspected-against-whistleblower/">and</a> <a rel="nofollow" target="_blank" href="http://www.news8.net/news/stories/1108/573269.html">ruthless</a>. That’s why we have long fought for
these critical protections.&#0160;</p>

<p style="text-align:left;">The original Whistleblower Protection Act of 1989 <a rel="nofollow" target="_blank" href="http://en.wikipedia.org/wiki/Whistleblower#Whistleblower_Protection_Act_of_2007">has
become ineffective</a>, worn down by obstructionist administrative policies
and a monopoly court that repeatedly left whistleblowers vulnerable and
without justice. The consequences of the gutting of this law have never
been more apparent as we suffer an economic crisis brought on by a
culture of secrecy in government and unregulated greed and corruption
on Wall Street.&#0160;</p>

<p style="text-align:left;">The new whistleblower provisions should become law so
that federal whistleblowers will no longer fear intimidation and
retaliation for reporting wrongdoing. The whistleblower measures
overturn a series of activist court decisions and include consideration
for and protections of disclosures of possible wrongdoing made during
regular job duties; codify protections against retaliatory
investigations; allow for due process for security clearance revocation
– a favorite reprisal technique; extend specific protections to
federally funded scientists, as well as baggage screeners and other
Transportation Security Administration personnel; and end the monopoly
of the Federal Circuit Court of Appeals of appellate review, restoring
the right to an appeal in any appropriate U.S. court of appeals and
access to jury trials.</p>

<p style="text-align:left;">The new whistleblower protection measure originally was
championed by Rep. Henry Waxman (D-Calif.) and passed the House by a
vote of 331-94 in 2007, but eventually was stymied by Senate inaction.
Thanks largely to the support and leadership of House Speaker Nancy
Pelosi, as well as that of Reps. Platts, Van Hollen, Waxman, Bruce
Braley (D-Iowa), Chellie Pingree (D-Maine), House Oversight and
Government Reform Chairman Edolphus Towns (D-N.Y.), Homeland Security
Chairman Bennie Thompson (D-Miss.) and the other representatives who
have spoken out in support of the measure, these effective protections
now can become the law of the land.</p>

<p>With our allies from a broad coalition of groups representing
millions of concerned individuals, Public Citizen will continue to
advocate for strong protections for federal workers and contractors so
they can effectively safeguard the public trust and taxpayer dollars.
It should not take incredible acts of courage to become a government
whistleblower, as it does now, when only the bravest civil servants
come forward to report waste, fraud and abuse.<a rel="nofollow" target="_blank" href="http://action.citizen.org/t/6693/campaign.jsp?campaign_KEY=26515"> </a><a rel="nofollow" target="_blank" href="http://action.citizen.org/t/6693/campaign.jsp?campaign_KEY=26515">It’s time to end the era
of repression and ensure that all civil servants feel safe to do their
jobs and make our government more open and accountable to the American
people.</a></p><div class="feedflare">
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         <title>Update on Consumer and Civil Justice News</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/jA0U0BYdxAI/update-on-consumer-and-civil-justice-news.html</link>
         <description>Happy holidays. With so many people on hiatus from last week until January 5, we thought a brief recap of some recent consumer and civil justice news might be useful: CBS News legal analyst Andrew Cohen responded to an absurd...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/12/update-on-consumer-and-civil-justice-news.html</guid>
         <pubDate>Tue, 30 Dec 2008 20:43:09 +0000</pubDate>
         <content:encoded><![CDATA[<p>Happy holidays. With so many people on hiatus from last week until
January 5, we thought a brief recap of some recent consumer and civil justice news might be useful:</p><ul>
<li>CBS News legal analyst Andrew Cohen <a rel="nofollow" target="_blank" href="http://www.cbsnews.com/stories/2008/12/20/opinion/courtwatch/main4679876.shtml">responded</a> to an <a rel="nofollow" target="_blank" href="http://www.uschamber.com/press/releases/2008/december/081218_legal.htm">absurd proposal</a>
from the U.S. Chamber of Commerce to President-elect Obama: the
way to get the country back on track economically is to exempt companies from legal liability. Cohen analogized this
selfish and short-sighted appeal to &quot;child who kills his parents and
then begs for mercy because he is an orphan.&quot; I like to think of it as a drunk driver who gets pulled over and then
suggests to the police that the best way to resolve the situation would
be to give him his keys back and look the other way while he drives
himself home. Cohen recognizes this shameless argument for what it is:
nonsense.</li>
<li>Following the Fed &#39;s recent enactment of <a rel="nofollow" target="_blank" href="http://pubcit.typepad.com/clpblog/2008/12/new-credit-card-regulations.html">new credit card rules</a>, Sen. Robert Menendez (D-N.J.) <a rel="nofollow" target="_blank" href="http://voices.washingtonpost.com/thecheckout/2008/12/senator_asks_credit_card_compa.html?wprss=thecheckout">called on lenders to comply with the reforms ASAP</a>, rather than by the July 2010, date required by the rules. Other lawmakers have pledged to act quickly for more <a rel="nofollow" target="_blank" href="http://maloney.house.gov/index.php?option=com_content&amp;task=view&amp;id=1752&amp;Itemid=61">timely</a> and <a rel="nofollow" target="_blank" href="http://banking.senate.gov/public/index.cfm?Fuseaction=Articles.Detail&amp;Article_id=e833120e-ddf8-4ca9-911c-9f82176fedcd&amp;Month=12&amp;Year=2008">comprehensive</a> reforms. Last weekend, the <em>New York Times</em> <a rel="nofollow" target="_blank" href="http://www.nytimes.com/2008/12/27/opinion/27sat3.html">editorialized</a> that &quot;promptly passing a credit card reform package&quot; should be a priority for the next Congress. </li>
<li>Class action lawsuits have been useful to consumers <a rel="nofollow" target="_blank" href="http://news.cnet.com/8301-1035_3-10004049-94.html">challenging baseless early termination fees</a> (ETFs) in cellular telephone contracts. A <a rel="nofollow" target="_blank" href="http://www.nytimes.com/2008/12/28/business/28digi.html?em=&amp;adxnnl=1&amp;adxnnlx=1230663215-KSoUFJwNaU/9ijyijk7GqA">recent story</a> in the <em>Times</em>
reported on efforts by Sen. Herb Kohl (D-Wis.) to investigate rate
setting for cell phone text messaging plans. Perhaps unsurprisingly,
those rates appear to be as baseless as ETFs. In another similarity to
ETFs, consumers have begun filing class actions over text messaging
rates.</li>
<li>New America Foundation&#39;s blog <a rel="nofollow" target="_blank" href="http://www.newamerica.net/blog/higher-ed-watch/2008/key-banks-one-two-punch-9068">has been following</a>
an old but infuriating story about a shady student lending practice in which lenders, like Ohio-based Key Bank, partner with unlicensed and
unaccredited trade schools, disburse student loan money to the schools,
and then refuse to discharge students of their debts when the schools
go out of business. There is an FTC rule
designed to protect students in these situations. One way that Key Bank has been evading the rule and other charges of unfairness over its practices is by including Binding Mandatory
Arbitration clauses in the promissory notes. Key Bank insists that
these are old cases, and it has <a rel="nofollow" target="_blank" href="http://compass.lssu.edu/content/view/346/28/">ceased student loan operations</a> (for the time being), but Key also <a rel="nofollow" target="_blank" href="https://www.snl.com/irweblinkx/file.aspx?IID=100334&amp;FID=6881979">received $2.5 billion</a> from U.S. taxpayers (via the U.S. Treasury) as part of the bailout package.</li>
</ul>
<p>Meanwhile, we must wait until after the New Year for word on a potential economic stimulus bill. Until this week, <a rel="nofollow" target="_blank" href="http://www.time.com/time/business/article/0,8599,1868405,00.html">all signs seemed to indicate</a> that authority for judges to modify mortgages would be included as part of the package. Now that congressional Republicans have <a rel="nofollow" target="_blank" href="http://www.washingtonpost.com/wp-dyn/content/article/2008/12/29/AR2008122902037.html?nav=hcmodule">indicated a willingness to drag their feet</a>,
the question appears to be not only whether the provision will be
included in the stimulus, but also when the stimulus will be enacted.&#0160;
Stay tuned.</p><p>Happy new year to all!</p><div class="feedflare">
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         <title>JAMA Editorializes Against Preemption in Wyeth Case</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/yJJEn1MVXpE/jama-editoriali.html</link>
         <description>The Journal of the American Medical Association has joined the New England Journal of Medicine (published by the Massachusetts Medical Society) in urging the Supreme Court not to grant immunity to pharmaceutical companies for lapses in FDA-approved prescription labels. As...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/10/jama-editoriali.html</guid>
         <pubDate>Fri, 24 Oct 2008 14:40:02 +0000</pubDate>
         <content:encoded><![CDATA[<p class="MsoNormal">The Journal of the American Medical Association has joined
the New England Journal of Medicine (published by the Massachusetts Medical
Society) in urging the Supreme Court not to grant immunity to pharmaceutical
companies for lapses in FDA-approved prescription labels. &nbsp;</p> 

<p class="MsoNormal">As we <a rel="nofollow" target="_blank" href="http://citizen.typepad.com/watchdog_blog/2008/10/bad-court-rul-1.html#more">described</a>
earlier this week, pharmaceutical giant Wyeth has asked the Court to throw out
an award to a patient whose right arm had to be amputated because a Wyeth drug was
 administered in a way that caused it to
enter her arterial bloodstream, which was a well-known hazard. The patient,
Diana Levine, persuaded a jury in state court that Wyeth's label should have
warned against the method of injection that caused the drug to enter her
arterial bloodstream and necessitated the amputation. Wyeth argues that the
FDA's approval of its label should immunize it from liability over any of the
label's shortcomings, thereby preempting state laws. &nbsp;</p> 



<p class="MsoNormal">JAMA's editorial says: &nbsp;</p> 



<p class="MsoNormal" style="margin:0in 0.5in 0.0001pt;">The Wyeth v. Levine ruling will have
far-reaching and profound implications for patients and drug safety. If the court
rules in favor of Wyeth, endorsing preemption, patients will lose an
irreplaceable method for seeking remedies for injuries resulting from
pharmaceutical agents that were approved by FDA. &nbsp;</p> 



<p class="MsoNormal" style="margin-right:0.5in;">Medical Marketing &amp; Media has
written a <a rel="nofollow" target="_blank" href="http://www.mmm-online.com/JAMA-Editors-Oppose-Wyeth-on-Preemption-Case/article/119753/">summary</a>
of the editorial, the first <a rel="nofollow" target="_blank" href="http://jama.ama-assn.org/cgi/content/extract/300/16/1939">portion</a> of
which is available for free on JAMA's Web site. [subscription required to view
the entire article] &nbsp;</p> 



<p class="MsoNormal" style="margin-right:0.5in;">Given JAMA's <a rel="nofollow" target="_blank" href="http://www.ama-assn.org/ama/pub/category/7861.html">pursuit</a> of
limitations on patients' rights to seek redress in court for medical malpractice, its
endorsement of the civil justice system's merit as an adjunct to the regulatory
system in the context of pharmaceuticals is somewhat surprising and deserving
of commendation. Although the publication operates at arm's length from the
American Medical Association, its staff serves at the pleasure of its parent
association, as longstanding JAMA editor Dr. George Lundberg learned in 1999
when he was <a rel="nofollow" target="_blank" href="http://www.bmj.com/cgi/content/full/318/7178/213">fired</a>
for fast-tracking an article about definitions of sex to coincide with
the Clinton impeachment hearings, which JAMA's management deemed
inappropriate. &nbsp;</p> 







<p>This month's editorial may have
been influenced by a Dutch study published elsewhere in JAMA's October issue
which found that 70 percent of biologicals approved in the United States and
Europe between 1995 and 2007 wound up being investigated after they went on the
market because of newly discovered side effects. Complications involving 19 of
the 136 drugs approved in the United States were so serious that bold, black box warnings – the strongest notices carried
on U.S. prescriptions – had to be created for them. Med Headlines has a <a rel="nofollow" target="_blank" href="http://medheadlines.com/2008/10/23/fda-approval-to-sell-no-guarantee-of-drug-safety/">summary</a>
of the study; JAMA has posted the <a rel="nofollow" target="_blank" href="http://jama.ama-assn.org/cgi/content/abstract/300/16/1887">abstract</a>.</p><div class="feedflare">
<a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=yJJEn1MVXpE:EwZFtMkd_78:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=yIl2AUoC8zA" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=yJJEn1MVXpE:EwZFtMkd_78:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=7Q72WNTAKBA" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=yJJEn1MVXpE:EwZFtMkd_78:V_sGLiPBpWU"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?i=yJJEn1MVXpE:EwZFtMkd_78:V_sGLiPBpWU" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=yJJEn1MVXpE:EwZFtMkd_78:qj6IDK7rITs"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=qj6IDK7rITs" border="0"></a>
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         <title>Whistleblower Trapped in Arbitration</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/bmXh21H2peg/whistleblower-t.html</link>
         <description>An opinion issued earlier this month by the 2nd U.S. Circuit Court of Appeals shows how willing the courts can be to uphold binding mandatory arbitration clauses even if the courts find elements of them unfair. The case involved Linda...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/10/whistleblower-t.html</guid>
         <pubDate>Tue, 21 Oct 2008 17:29:23 +0000</pubDate>
         <content:encoded><![CDATA[<div class="Section1">

<p class="MsoNormal">An opinion issued earlier this month by the <a rel="nofollow" target="_blank" href="http://www.ca2.uscourts.gov:8080/isysnative/RDpcT3BpbnNcT1BOXDA2LTQ5NTQtY3Zfb3BuLnBkZg==/06-4954-cv_opn.pdf#xml=http://www.ca2.uscourts.gov:8080/isysquery/irl8132/24/hilite">2nd
U.S. Circuit Court of Appeals</a> shows how willing the courts can be to uphold
binding mandatory arbitration clauses even if the courts find elements of them
unfair.</p>

<p>The case involved Linda <span class="SpellE">Guyden</span>,
who was hired by Aetna Inc. in January 2004 as the company's internal audit
director. <span class="SpellE">Guyden</span> soon concluded that Aetna's internal audit department was ineffective,
leaving the company susceptible to violating the Sarbanes-Oxley Act of 2002.
After receiving unsatisfactory responses from various members of Aetna's senior management team, <span class="SpellE">Guyden</span>
took her concerns to the firm's CEO in August 2004. A week later, the firm's
chief financial officer gave <span class="SpellE">Guyden</span> a withering
performance review that conflicted with a positive review he had given her only
a month earlier. Along the way, <span class="SpellE">Guyden</span> won an
intra-company battle to hire an outside auditor. In November, ten days before <span class="SpellE">Guyden</span> was slated to present the outside auditor's report
to the firm's audit committee, she was fired.</p></div>

<p class="MsoNormal"><span class="SpellE">Guyden's</span> case was custom-made for a clause in
Sarbanes-Oxley that provides whistleblower protections to employees who are
fired for providing supervisors with information about potential violations of
federal securities law. <span class="SpellE">Guyden</span> filed an
administrative complaint with the Labor Department, as the statute requires.
But Labor failed to take action, later explaining that it takes a hands-off
approach to cases in which employees have signed an agreement to settle
disputes in arbitration and the department is satisfied that the arbitration
agreement will &quot;adequately protect the employee's interests.&quot; Labor
based this decision on a <a rel="nofollow" target="_blank" href="http://www.dol.gov/sol/media/memos/August9.htm">memo</a> by former
Solicitor of Labor Eugene Scalia (son of the Supreme Court justice) that was
written in response to a Supreme Court <a rel="nofollow" target="_blank" href="http://www.law.cornell.edu/supct/html/99-1823.ZS.html">decision</a>
expressly <em>permitting</em> government
agencies to litigate on behalf of employees who had signed agreements to
arbitrate. While purporting to &quot;welcome&quot; that authority, Scalia's
memo called for balancing it with our <span style="color:black;">&quot;liberal
federal policy favoring arbitration agreements,&quot; as the Supreme Court put
it in 1983. Notably, the Court articulated that <a rel="nofollow" target="_blank" href="http://bulk.resource.org/courts.gov/c/US/460/460.US.1.81-1203.html">sentiment</a>
in the context of a business-versus-business dispute eight years before it even
decided that the Federal Arbitration Act applied to employment disputes.</span></p>



<p>After Labor failed to take action, <span class="SpellE">Guyden</span>
followed the statute's instructions to file a case in federal district court. Aetna, predictably, moved to force <span class="SpellE">Guyden</span>
into arbitration. The district court granted the motion, and <span class="SpellE">Guyden</span> appealed.

</p>

<p class="MsoNormal"><span class="SpellE">Guyden's</span> over-arching argument on appeal was that the
arbitration clause should not apply to Sarbanes-Oxley whistleblower claims
because the statute was intended to serve the public purpose of protecting the
financial markets. But the appeals court was not persuaded, noting that
Congress had rejected amendments that would have forbidden mandatory
arbitration of <span class="GramE">SOX whistleblower</span> claims.</p>



<p>Aside
from her sweeping claim against arbitration of SOX whistleblower claims, <span class="SpellE">Guyden</span> raised three complaints about Aetna's
arbitration clause that she argued should have invalidated it.

</p>

<p class="MsoNormal">First,
<span class="SpellE">Guyden</span> attacked the clause's confidentiality
provision, which said that &quot;all proceedings, including the arbitration
hearing and decision, are private and confidential, unless otherwise required
by law.&quot;</p>

<p class="MsoNormal">The
appeals court sympathized with <span class="SpellE">Guyden</span>, agreeing that &quot;a
lack of public disclosure may systematically favor companies over individuals.&quot;
But the panel said it could not act on this concern because &quot;confidentiality
clauses are so common in the arbitration context&quot; that attacking them
would be &quot;an attack on arbitration itself.&quot; That would constitute a &quot;generalized
attack&quot; on arbitration, which the Supreme Court has prohibited in light of
its &quot;strong endorsement&quot; of arbitration. Let's translate. The appeals
panel found that confidentiality terms in arbitration clauses systemically
favor businesses, but that such favoritism is so ubiquitous that it cannot be
policed without impugning the very institution of arbitration, which the
Supreme Court has deemed sacrosanct.</p>

<p class="MsoNormal">Next,
<span class="SpellE">Guyden</span> argued that the arbitration clause's
stipulation that the arbitrator would only be required to write a brief summary
of his or her opinion could allow the arbitrator to issue a ruling at odds with
the law and mask the flawed reasoning in a vague summary. That, <span class="SpellE">Guyden</span> said, would leave her without options for judicial
review because &quot;no one would be the wiser.&quot; Notably, Scalia's memo
calls for arbitration clauses to require written awards<span style="color:black;">
&quot;setting out not only the award but also the essential findings of fact
and conclusions of law on which it is based&quot; as a factor in determining
whether arbitration would indeed protect the employee's interests and thereby
justify Labor opting not to take up a case. But, just as these arbitration
terms did not sway the Labor Department, they also failed to persuade the
appeals court. B</span>ecause <span class="SpellE">Guyden</span> could not show
that the arbitrator would in fact ignore the law and mask that transgression in
a vague opinion, the appeals court found this factor insufficient to strike
down the clause. Of course, if the arbitrator <em>did </em>do as <span class="SpellE">Guyden</span> feared, that very act
would likely deprive her of the evidence she would need to prove it.</p>

<p class="MsoNormal">Finally,
<span class="SpellE">Guyden</span> argued that the arbitration clause's
limitations on discovery, which permitted each party to depose only one person
(aside from expert witnesses) without special <span class="GramE">permission from the arbitrator</span>
would prevent her from vindicating her claim. The appeals court again
sympathized with <span class="SpellE">Guyden</span>, noting that deposing only
one person was &quot;unlikely to be adequate.&quot; Here too, <span class="SpellE">Guyden</span> might have expected support from the Labor
Department, given that Scalia's memo <span style="color:black;">calls for &quot;access
to the information reasonably relevant to the arbitration&quot; and &quot;reasonable
mutual discovery&quot; as factors in the department deferring to arbitration. </span>But
just as <span class="SpellE">Guyden</span> got no help from Labor, the appeals
court also failed to step in. The panel said a claim about limited discovery in
arbitration constituted &quot;an attack on the character of arbitration itself,&quot;
which, as previously discussed, it deemed off limits. Also, the court
discounted <span class="SpellE">Guyden's</span> claim because the clause
permitted the arbitrator to allow extra discovery. Because <span class="SpellE">Guyden</span>
was unable to prove that the arbitrator would not exercise that discretion, the
appeals court found <span class="SpellE">Guyden's</span> complaint insufficient &quot;unless
and until the record proves otherwise.&quot; It is unclear what record <span class="SpellE">Guyden</span> would be able to rely on later on.</p>

<p class="MsoNormal">Thus,
<span class="SpellE">Guyden</span> struck out before the appeals court, and must
decide whether to try her luck in arbitration. Meanwhile, the accounting
problems that she raised and the outside auditor's report she commissioned
remain secret.</p>

<p class="MsoNormal">The
court of appeals agreed with some of <span class="SpellE">Guyden's</span>
concerns but appeared to think its hands were tied by Supreme Court rulings
that have interpreted the Arbitration Fairness Act as making arbitration
agreements almost inviolable. The Court has based this interpretation on the
faulty assumption that arbitration offers an equivalent form of justice to the
courts. Such reasoning ignores the vital point that in nearly all
business-versus-individual disputes, the business chooses the arbitration firm
that handles the case. Obviously, allowing a business to hire a firm to choose
the judges and juries who decide its disputes would be unthinkable in court.</p>

<p class="MsoNormal"><span style="color:black;">The
clearest solution to this mess is for Congress to pass the Arbitration Fairness
Act, which would ban pre-dispute binding mandatory arbitration clauses in
consumer and employment contracts altogether. Congress also should resolve any
ambiguity that real whistleblower protections require due process and
access to a jury trial. The Private
Sector Whistleblower Protection Streamlining Act would do so by explicitly
banning mandatory arbitration in Sarbanes-Oxley and similar whistleblower
cases. In the meantime, the new president could show leadership on
corporate and government accountability by issuing an executive order
<span class="GramE">instructing the</span>
Labor Department and other agencies to pursue employment cases solely on the
merits, regardless of any contractual arbitration claims. </span></p><div class="feedflare">
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         <title>Bad Court Ruling Could End Checks on Industry Funded 'Science'</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/dFipIW7JZvs/bad-court-rul-1.html</link>
         <description>Yesterday, the Washington Post noticed a disturbing trend that we have been following for a long time – the corporatization of scientific research ostensibly conducted by unbiased and trustworthy sources like, in this case, the Food and Drug Administration. Science...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/10/bad-court-rul-1.html</guid>
         <pubDate>Mon, 20 Oct 2008 20:44:11 +0000</pubDate>
         <content:encoded><![CDATA[<p>Yesterday, the Washington Post noticed a disturbing trend that we have
been following for a long time – the corporatization of scientific
research ostensibly conducted by unbiased and trustworthy sources like,
in this case, the Food and Drug Administration.
Science has been twisted to serve corporate ends for decades – see the
tobacco industry's &quot;studies&quot; showing that smoking is not dangerous.
Most of the time, these justifications for unhealthy or dangerous
products are given precisely the credibility they deserve – none.
Perhaps realizing this, the new trend is to funnel money behind the
scenes to get disreputable science published by reputable sources.</p><p>The FDA's tarnished report on bisphenol A (BPA) is only the
most recent incident of corporatized science. In this case, the FDA
subcommittee reporting that an &quot;adequate margin of safety exists for BPA at
current levels of exposure from food contact uses&quot; was chaired by <a rel="nofollow" target="_blank" href="http://www.sph.umich.edu/iscr/faculty/profile.cfm?uniqname=philbert">Martin
Philbert</a>, acting director of the University of Michigan's Risk Science Center. The problem is,
the Risk Science Center recently received a $5 million grant from <a rel="nofollow" target="_blank" href="http://sourcewatch.org/index.php?title=Charles_Gelman">Charles Gelman</a>,
founder of Gelman Instrument Company (now Pall Life Sciences) and firm believer
that BPA is <span style="text-decoration:underline;">&quot;</span><a rel="nofollow" target="_blank" href="http://www.jsonline.com/story/index.aspx?id=805074">risk free</a>.&quot;</p>

<p>Gelman, whose company was once <a rel="nofollow" target="_blank" href="http://www.jsonline.com/story/index.aspx?id=805074">labeled</a> the
second worst polluter in Michigan by the state’s Department of Natural Resources, may not have bad intentions.
And indeed, the Risk Science Center expects a permanent director to replace Philbert by the time Gelman's grant
kicks in next year. But the Milwaukee Journal Sentinel <a rel="nofollow" target="_blank" href="http://www.jsonline.com/story/index.aspx?id=805074">reports</a> that Gelman
and Philbert &quot;talk often,&quot; and the Washington Post reports that Philbert failed
to put Gelman's donation on his financial disclosure form. It all adds up to a
relationship that's too close for comfort. As the New York Times <a rel="nofollow" target="_blank" href="http://www.nytimes.com/2008/10/14/opinion/14tue3.html">says</a>, &quot;Consumers
need to know that any decision on BPA is completely unbiased – and that the FDA
is, too.&quot;

</p>

<p class="MsoNormal">Despite the dangers of a potential toxin being present in
hundreds of thousands of containers (including countless baby bottles), the
past few months have brought far worse consequences because of the
corporatization of science. Three other recent examples of the manipulation of
clinical studies by pharmaceutical companies have made press.</p>

<p class="MsoNormal">First, it <a rel="nofollow" target="_blank" href="http://online.wsj.com/article/SB121910517536051499.html?mod=googlenews_wsj">came
to light</a> that a clinical trial for the former Merck blockbuster drug Vioxx
had, in fact, been an elaborate marketing technique. The Annals of Internal
Medicine <a rel="nofollow" target="_blank" href="http://www.annals.org/cgi/content/full/149/4/279">called it</a>
&quot;marketing in the guise of science.&quot; The practice, called a &quot;seeding
trial,&quot;
had long been suspected but had not been proven until brought to light
during
Vioxx litigation. &quot;The apparent purpose is to test a hypothesis,&quot;
Annals wrote. &quot;The true purpose is to get physicians in the habit of
prescribing a new drug.&quot;
Far from being just another type of trial, &quot;seeding trials&quot; constitute
fraud on
review boards, researchers, doctors and patients. The documents
obtained in
discovery show &quot;that deception is the key to a successful seeding
trial.&quot;</p>

<p class="MsoNormal">Second, it was revealed that Merck employees were writing
papers on Vioxx and then recruiting physicians to take the credit (and lend
credibility). The Journal of the American Medical Association <a rel="nofollow" target="_blank" href="http://jama.ama-assn.org/cgi/content/abstract/299/15/1800">concludes</a>:</p>

<p class="MsoNormal" style="margin-left:0.5in;">This case-study review of industry
documents demonstrates that clinical trial manuscripts related to rofecoxib
[Vioxx] were authored by sponsor employees but often attributed first
authorship to academically affiliated investigators who did not always disclose
industry financial support. Review manuscripts were often prepared by
unacknowledged authors and subsequently attributed authorship to academically
affiliated investigators who often did not disclose industry financial support.</p>

<p class="MsoNormal">The author of that report, Joseph Ross, told the New York
Times, &quot;it almost calls into question all legitimate research that’s been
conducted by the pharmaceutical industry with the academic physician.&quot;</p>

<p class="MsoNormal">Finally, the New York Times <a rel="nofollow" target="_blank" href="http://www.nytimes.com/2008/10/08/health/research/08drug.html">reports</a>
that Pfizer &quot;manipulated studies&quot; on its epilepsy drug Neurontin.</p>

<p class="MsoNormal" style="margin-left:0.5in;">Pfizer's tactics included delaying
the publication of studies that had found no evidence the drug worked for some
other disorders, &quot;spinning&quot; negative data to place it in a more positive light,
and bundling negative findings with positive studies to neutralize the results,
according to written reports by the experts, who analyzed the documents at the
request of the plaintiffs’ lawyers.</p>

<p class="MsoNormal">The common thread connecting these cases is that the
pharmaceutical companies' fraud was only revealed through litigation – which is
one reason why Wyeth v. Levine (<a rel="nofollow" target="_blank" href="http://www.tortdeform.com/archives/2008/09/something_else_to_look_out_for.html">Tort
Deform</a>, <a rel="nofollow" target="_blank" href="http://www.nytimes.com/2008/09/19/us/19scotus.html?fta=y">New
York Times</a>) is such an important case. In 2000, Diana Levine was given
Wyeth’s drug Phenergan to combat nausea associated with her painkillers. But
the drug was administered incorrectly, caused gangrene, which cost the
professional guitarist her right arm. Levine sued Wyeth because Phenergan's
label did not mention that the method used to administer the drug would
inevitably cause gangrene. Wyeth appealed to the Supreme Court, arguing that the
FDA’s approval of Phenergan's label immunizes it from Levine's lawsuit.</p>

<p class="MsoNormal">If the Supreme Court sides with Wyeth, these lawsuits will
be blocked – forever. Since the FDA approval is based, <a rel="nofollow" target="_blank" href="http://www.healthtalk.umn.edu/kare/fda/home.html">in large part</a>, on
the very sort of studies that have proven to be tainted, such a decision would
pervert Big Pharma's incentives. If Big Pharma feeds the FDA misleading
information, it would be rewarded both with approval of its drugs and immunity
from accountability if those drugs injure consumers. Maybe that's why the New
England Journal of Medicine <a rel="nofollow" target="_blank" href="http://www.abanet.org/publiced/preview/briefs/pdfs/07-08/06-1249_RespondentAmCuNEJournalofMed.pdf"><span style="color:purple;">filed an amicus brief</span></a> urging the Supreme Court to
reject Wyeth’s argument.</p><div class="feedflare">
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         <title>The Other Bad News for Consumers: Forced Arbitration</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/W4WbHifP-vQ/arbitration-in.html</link>
         <description>Due to the extensive coverage of the recent economic meltdown and the presidential race, it's been easy to miss some other news very relevant to consumers and corporate accountability. Over at Tortdeform, they have some excellent posts about issues covered...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/10/arbitration-in.html</guid>
         <pubDate>Fri, 17 Oct 2008 15:28:34 +0000</pubDate>
         <content:encoded><![CDATA[<p>Due to the extensive coverage of the recent economic meltdown and the presidential race, it's been easy to miss some other news very relevant to consumers and corporate accountability.&nbsp; Over at Tortdeform, they have some excellent posts about issues covered by the <em>New York Times</em>.&nbsp; </p>

<p><a rel="nofollow" target="_blank" href="http://www.tortdeform.com/archives/2008/09/violations_reported_at_94_of_n.html">First</a>, Kia Franklin relayed the news that a recent Department of Health and Human Services study cited 94% of nursing homes for violations of federal health and safety laws.&nbsp; This underscores the need for legislation banning forced arbitration, which nursing homes use to immunize themselves from the accountability when they violate the law or hurt their residents through negligent treatment or abuse.&nbsp; (Follow up on the <em>Times</em> story from Tortdeform <a rel="nofollow" target="_blank" href="http://www.tortdeform.com/archives/2008/10/nyt_letter_on_arbitration_in_n.html">here</a>.&nbsp; Read more about the nursing home arbitration bill <a rel="nofollow" target="_blank" href="http://citizen.typepad.com/watchdog_blog/2008/09/protect-the-eld.html#more">here</a>.)</p>

<p>Next, Justinian Lane <a rel="nofollow" target="_blank" href="http://www.tortdeform.com/archives/2008/10/if_arbitration_is_so_wonderful.html">recaps</a>
a study by two law professors about the reluctance of companies to use
arbitration when dealing with one another.&nbsp; The professors cited in the
story have been following this issue for some time now, and their
results have consistently shown the hypocrisy of corporations that tout
arbitration as a fair, efficient, less costly method of dispute
resolution between companies and consumers, or employers and employees,
but not between one another.</p>

<div class="feedflare">
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         <title>Protecting the rights of government whistleblowers</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/WKjvjCospqQ/protecting-the.html</link>
         <description>originally posted by Alyssa Wolice at CitizenVox It’s no secret that the government officials you elect to serve the public’s best interests often abuse their power and cost you your hard-earned dollars. So, when the average government employee witnesses the...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/09/protecting-the.html</guid>
         <pubDate>Thu, 18 Sep 2008 17:04:24 +0000</pubDate>
         <content:encoded><![CDATA[<p class="MsoNormal"><em>originally posted by <a rel="nofollow" target="_blank" href="http://citizenvox.org/2008/09/17/protecting-the-rights-of-government-whistleblowers/">Alyssa Wolice at CitizenVox</a> </em></p>

<p class="MsoNormal">It’s no secret that the government officials you
elect to serve the public’s best interests often abuse their power and
cost you your hard-earned dollars. So, when the average
government employee witnesses the acts of corruption that continue to
plague our political system, shouldn’t they have the freedom to speak
up and <a rel="nofollow" target="_blank" href="http://action.citizen.org/signUp.jsp?key=3671">protect the public’s rights</a> without facing the risk of retaliation?</p><p class="MsoNormal">Though strong bills were passed last year that
would provide whistleblowers with greater protection of their rights to
free speech, now is the time to demand that Congress finish the job by
passing a final bill. </p>

<p class="MsoNormal">The truth is plain and simple. Millions of taxpayer dollars have been squandered. Documents regarding our own nation’s security have been falsified. Scientific research has often been altered, or worse yet, brought to a complete stand-still. Yet,
the very same employees who can defend our rights by blowing the
whistle on the government misconduct have less protection than
corporate employees enjoy. As a result, too few employees are willing to take on the risks of speaking out against government wrongdoings.</p>

<p class="MsoNormal">Wouldn’t it be nice to ensure that these everyday
eyewitnesses of government corruption can stand up for public rights
without feeling intimidated or threatened?</p>

<p class="MsoNormal">You can help! Stand up for the everyday heroes who protect your rights by taking action now. So far, more than 200 public interest organizations have signed on to urge Congress to change the status quo - and now you can too. <a rel="nofollow" target="_blank" href="http://www.whistlebloweraction.org/">Sign the Citizens’ Whistleblower Petition</a> today or <a rel="nofollow" target="_blank" href="http://action.citizen.org/t/5489/content.jsp?content_KEY=4147">read more</a>
about what the Make It SAFE Coalition is doing to protect those who
help to overcome political corruption. There is no better time than now
to make Congress aware of the grassroots support for honesty and
accountability within our government.</p>
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         <title>Protect the Elderly from Forced Arbitration</title>
         <link>http://feedproxy.google.com/~r/WatchdogBlog/civiljustice/~3/OMOAoLOjcuc/protect-the-eld.html</link>
         <description>by David Arkush and Christine Hines Yesterday the Senate Judiciary Committee followed its counterpart in the House and approved an important arbitration bill to protect residents in nursing homes and assisted living facilities, the Fairness in Nursing Home Arbitration Act,...</description>
         <guid isPermaLink="false">http://citizen.typepad.com/watchdog_blog/2008/09/protect-the-eld.html</guid>
         <pubDate>Fri, 12 Sep 2008 20:07:52 +0000</pubDate>
         <content:encoded><![CDATA[<p><em>by David Arkush and Christine Hines</em></p>

<p>Yesterday the Senate Judiciary Committee followed its counterpart in the House and approved an important arbitration bill to protect residents in nursing homes and assisted living facilities, the Fairness in Nursing Home Arbitration Act, S. 2838. The legislation, which a House committee approved in July, will make it easier to hold these facilities accountable for negligent or reckless acts that harm their residents. It prevents nursing homes from <span style="color:#000000;">forcing residents to agree to <a rel="nofollow" target="_blank" href="http://www.citizen.org/publications/release.cfm?ID=7589">arbitration</a></span><span style="color:#ff0000;">&nbsp;</span>before a dispute arises, allowing residents to turn to the courts in the event their nursing homes cause them serious injuries or death. Without this protection, nursing homes can force residents to take disputes to private arbitrators chosen by the nursing home itself. Guess who wins cases there?</p><p>The Judiciary Committee approved the bill despite vigorous opposition from the U.S. Department of Justice and a coalition of business and nursing home industry organizations. The Justice Department embarrassed itself by making wacky and self-contradicting arguments in a letter to the Committee. It said Congress lacks authority to pass this bill, even though nursing home contracts are clearly within Congress's Commerce Clause power. It also urged Congress to leave the Federal Arbitration Act (FAA) in place - even though the FAA regulates the very nursing home contracts that Congress supposedly can't regulate. (We wrote <a rel="nofollow" target="_blank" href="http://www.citizen.org/documents/DOJ%20response%20letter.pdf "><span style="color:#000000;">a letter</span></a> responding to DOJ; Paul Bland wrote a<a rel="nofollow" target="_blank" href="http://pubcit.typepad.com/clpblog/2008/09/doj-disgraces-i.html"><span style="color:#000000;">&nbsp;</span></a><span style="color:#ff3300;"><a rel="nofollow" target="_blank" href="http://pubcit.typepad.com/clpblog/2008/09/doj-disgraces-i.html"><span style="color:#000000;">great post</span></a> </span>on the DOJ letter over at CL&amp;P.)</p>

<p>The Committee also heard from a coalition of industry groups, which wrote a letter that misrepresented nearly everything it discussed: the identity and interests of the letter's signers, the facts about arbitration, the current law, and the effect of the Fairness in Nursing Home Arbitration Act. The group pretended to be interested in consumer protection, claimed that forcing consumers into arbitration preserves &quot;consumer choice&quot; and benefits consumers, claimed that nursing homes currently can't require arbitration as a condition of admission, and said the bill in Congress would virtually eliminate arbitration - when the bill actually would ensure that consumers can choose whether to go to arbitration voluntarily.</p>

<p>When someone needs to lie so much to make their case, you know they're on the wrong side of the issue.<strong> If this industry group told the truth, it would sound something like, &quot;We're corporate lobbyists fighting for the right to neglect or abuse elderly nursing home residents with impunity. Our corporate clients want to make millions in profits without worrying about being held accountable if they hurt people.&quot;</strong> That message probably wouldn't win much support.</p>

<p>Fortunately, the Hill heard plenty from our broad, genuine coalition of consumer groups, which worked hard to educate congressional members on the bill's importance. More than 100 organizations from 30 states signed<span style="color:#ff3300;"> <a rel="nofollow" target="_blank" href="http://www.citizen.org/documents/Coalition%20Support%20Letter%20S.2838%209-10-08.pdf "><span style="color:#000000;">a letter </span></a></span><a rel="nofollow" target="_blank" href="http://www.citizen.org/documents/Coalition%20Support%20Letter%20S.2838%209-10-08.pdf "><span style="color:#000000;">supporting passage of the bill </span></a>to protect the rights of nursing home residents and their families.</p>

<p>Now that the legislation is out of committee, it could go to the floor for a full vote in either house. This is the perfect time to call your members and <strong><a rel="nofollow" target="_blank" href="http://action.citizen.org/campaign.jsp?campaign_KEY=25274">urge them to turn this bill into law</a></strong>.</p><div class="feedflare">
<a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=OMOAoLOjcuc:37_f4aRbX5o:yIl2AUoC8zA"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=yIl2AUoC8zA" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=OMOAoLOjcuc:37_f4aRbX5o:7Q72WNTAKBA"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=7Q72WNTAKBA" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=OMOAoLOjcuc:37_f4aRbX5o:V_sGLiPBpWU"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?i=OMOAoLOjcuc:37_f4aRbX5o:V_sGLiPBpWU" border="0"></a> <a rel="nofollow" target="_blank" href="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?a=OMOAoLOjcuc:37_f4aRbX5o:qj6IDK7rITs"><img src="http://feeds.feedburner.com/~ff/WatchdogBlog/civiljustice?d=qj6IDK7rITs" border="0"></a>
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         <title>Can You Sue Chase Credit Card Company For Auto Dialed Calls?</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/M0W2FnB_tk8/can_you_sue_chase_credit_card.html</link>
         <description>&lt;p&gt;Yes -- here is an &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/02/alabama-consumer-sues-chase-for-illegal-calls-to-cell-phones/&quot;&gt;example of Alabama consumers who sued Chase for auto dialed (computer or robo dialed calls) to their cell phones without permission.&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;If you never gave the creditor permission to call your cell phone, or if you revoke permission, then these &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumer.com/practice-areas/illegal-calls-to-cell-phones&quot;&gt;annoying auto dialed calls can be illegal under the Telephone Consumer Protection Act (TCPA) and can entitle you to $500 or $1500 per call in statutory damages.&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;If you live in Alabama and want to discuss your particular situation, please let us know and we'll be happy to do so.  You can call us at 205-879-2447 or contact us through this blog or &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/contact-us/&quot;&gt;our website contact form&lt;/a&gt;.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=M0W2FnB_tk8:wVI4m_k-wZM:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=M0W2FnB_tk8:wVI4m_k-wZM:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=M0W2FnB_tk8:wVI4m_k-wZM:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=M0W2FnB_tk8:wVI4m_k-wZM:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=M0W2FnB_tk8:wVI4m_k-wZM:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/M0W2FnB_tk8&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
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         <pubDate>Sun, 19 Feb 2012 21:26:35 +0000</pubDate>
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         <title>Lawsuit Against BSI Stops A Wrongful Foreclosure In Alabama</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/FDrEysIqjgU/lawsuit_against_bsi_stops_a_wr.html</link>
         <description>&lt;p&gt;Our clients in &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/02/alabama-homeowners-sue-mortgage-company-to-stop-wrongful-foreclosure/&quot;&gt;Huntsville recently sued several mortgage companies before a planned foreclosure that we feel would have been wrongful and illegal&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;Foreclosures are still running rampant across our state and when they are &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumer.com/practice-areas/foreclosures&quot;&gt;illegal and wrongful foreclosures, they need to be stopped or reversed&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;Learn about your rights and take the appropriate action to protect yourself.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=FDrEysIqjgU:WA0qkQqWMds:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=FDrEysIqjgU:WA0qkQqWMds:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=FDrEysIqjgU:WA0qkQqWMds:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=FDrEysIqjgU:WA0qkQqWMds:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=FDrEysIqjgU:WA0qkQqWMds:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/FDrEysIqjgU&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/02/lawsuit_against_bsi_stops_a_wr.html</guid>
         <pubDate>Fri, 17 Feb 2012 14:25:17 +0000</pubDate>
         <category>Foreclosure</category>
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         <title>Alabama Consumer Sues Portfolio Recovery For Calls After A Cease And Desist Letter</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/gwbLsNbs2m4/alabama_consumer_sues_portfoli.html</link>
         <description>&lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/02/alabama-consumer-sues-debt-collector-portfolio-recovery-associates-for-fdcpa-violatiosn/&quot;&gt;A 71 year old Alabama consumer sued Portfolio Recovery Associates for continuing to call him after he told them, over the phone and in writing (by certified mail) to stop all communication with him&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;Remember Portfolio's slogan about giving debt collection a good name....&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=gwbLsNbs2m4:1JUEH0oD60Q:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=gwbLsNbs2m4:1JUEH0oD60Q:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=gwbLsNbs2m4:1JUEH0oD60Q:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=gwbLsNbs2m4:1JUEH0oD60Q:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=gwbLsNbs2m4:1JUEH0oD60Q:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/gwbLsNbs2m4&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/02/alabama_consumer_sues_portfoli.html</guid>
         <pubDate>Wed, 15 Feb 2012 14:18:22 +0000</pubDate>
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         <title>Alabama Consumer Sues Student Loan Collector Allied Interstate</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/mRpMAGDGeNo/alabama_consumer_sues_student.html</link>
         <description>&lt;p&gt;You can read a recent &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/02/alabama-consumer-sues-allied-interstate-over-student-loan-collection-abuses/&quot;&gt;Alabama consumer lawsuit against the large debt collector Allied Interstate.  This lawsuit relates to alleged abusive collection practices related to a federal student loan&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;If you have any similar experiences, let us know as we are curious to see how widespread the problem is with Allied Interstate -- we know &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2011/10/student-loan-collection-agencies-pay-massive-fines-for-illegal-debt-collection/&quot;&gt;Allied Interstate has been fined in the past for student loan abuses&lt;/a&gt; and we doubt this is an isolated event.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=mRpMAGDGeNo:Q3cNgyOLVTI:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=mRpMAGDGeNo:Q3cNgyOLVTI:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=mRpMAGDGeNo:Q3cNgyOLVTI:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=mRpMAGDGeNo:Q3cNgyOLVTI:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=mRpMAGDGeNo:Q3cNgyOLVTI:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/mRpMAGDGeNo&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
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         <pubDate>Sun, 12 Feb 2012 20:12:14 +0000</pubDate>
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         <title>Alabama Lawsuits Against LVNV By Consumers</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/F0oOv8IhWqg/alabama_lawsuits_against_lvnv.html</link>
         <description>&lt;p&gt;On our redesigned main site of &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumer.com/&quot;&gt;Alabama Consumer&lt;/a&gt;, we have posted a new page which &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumer.com/2012/02/alabama-consumer-lawsuits-against-lvnv-for-illegal-collection-actions/&quot;&gt;details some of the specific cases and allegations brought against the debt buyer LVNV Funding, LLC by Alabama consumers&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;We will update this page with additional links to lawsuits.  Let us know if you live in Alabama and have experiences with LVNV as we would like to continue to expand our knowledge of what Alabama consumers are facing.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=F0oOv8IhWqg:L_CAZ5Af1Xk:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=F0oOv8IhWqg:L_CAZ5Af1Xk:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=F0oOv8IhWqg:L_CAZ5Af1Xk:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=F0oOv8IhWqg:L_CAZ5Af1Xk:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=F0oOv8IhWqg:L_CAZ5Af1Xk:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/F0oOv8IhWqg&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/02/alabama_lawsuits_against_lvnv.html</guid>
         <pubDate>Fri, 10 Feb 2012 16:13:31 +0000</pubDate>
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         <title>Bankruptcies Fall, But Will It Change In 2012?</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/AJ0WyfNs5qM/bankruptcies_fall_but_will_it.html</link>
         <description>&lt;p&gt;Last year brought a decline in bankruptcies around the country.  The question is will it continue to decline or will it spike up this year?&lt;/p&gt;

&lt;blockquote&gt;Filings fell 12% in 2011 as 1.35 million Americans entered Chapter 7 or 13, according to an analysis for the National Bankruptcy Research Center by Columbia Law School professor Ronald Mann.

&lt;p&gt;That’s down from more than 1.5 million filings in 2010, or about one out of every 150 people. In 2011, the ratio was one out of every 175 Americans. Chapter 7 liquidation filings were down 17% compared with 2010's figures, while Chapter 13 rehabilitation filings declined 25%.&lt;/p&gt;

&lt;p&gt;It’s the first drop since 2006 -- but Mann said filings began increasing again in November and December and could portend yet another rise this year.&lt;/blockquote&gt;&lt;/p&gt;

&lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.latimes.com/business/money/la-fi-mo-personal-bankruptcies-20120105,0,4661263.story&quot;&gt;Read the rest of this good article by Tiffany Hsu by clicking here&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;You can find out more about bankruptcy by visiting our sites &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/practice-areas/bankruptcy/&quot;&gt;Alabama Consumer Protection&lt;/a&gt; and &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumer.com/practice-areas/bankruptcy/&quot;&gt;Alabama Consumer&lt;/a&gt;.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=AJ0WyfNs5qM:WPalBbCKD74:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=AJ0WyfNs5qM:WPalBbCKD74:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=AJ0WyfNs5qM:WPalBbCKD74:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=AJ0WyfNs5qM:WPalBbCKD74:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=AJ0WyfNs5qM:WPalBbCKD74:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/AJ0WyfNs5qM&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/02/bankruptcies_fall_but_will_it.html</guid>
         <pubDate>Tue, 07 Feb 2012 00:07:27 +0000</pubDate>
         <category>Bankruptcy</category>
      </item>
      <item>
         <title>Amazing Arrogance of Freddie Mac....</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/zMLqLOd4s4Q/amazing_arrogance_of_freddie_m.html</link>
         <description>&lt;p&gt;Ever wonder why it seems the mortgage foreclosure disaster is not getting better?  When Freddie Mac and Fannie Mae say they are on the side of the consumers?&lt;/p&gt;

&lt;p&gt;Read this article and be disturbed....&lt;/p&gt;

&lt;blockquote&gt;Freddie Mac, a taxpayer-owned mortgage company, is supposed to make homeownership easier. One thing that makes owning a home more affordable is getting a cheaper mortgage.

&lt;p&gt;But Freddie Mac has invested billions of dollars betting that U.S. homeowners won't be able to refinance their mortgages at today's lower rates, according to an investigation by NPR and ProPublica, an independent, nonprofit newsroom.&lt;/p&gt;

&lt;p&gt;These investments, while legal, raise concerns about a conflict of interest within Freddie Mac.&lt;/p&gt;

&lt;p&gt;&quot;We were actually shocked they did this,&quot; says Scott Simon, who heads the mortgage-backed securities team at the giant bond trading and investment firm called PIMCO. &quot;It seemed so out of line with their mission, out of line with what Congress wanted them to do.&quot;&lt;/blockquote&gt;&lt;/p&gt;

&lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.npr.org/2012/01/30/145995636/freddie-mac-betting-against-struggling-homeowners&quot;&gt;In this article by article by Chris Arnold, there is a demonstration of the arrogance of Freddie Mac&lt;/a&gt;.  I encourage you to read the entire article.&lt;/p&gt;

&lt;p&gt;Gotta love the conclusion:&lt;/p&gt;

&lt;blockquote&gt;Meanwhile, even though Freddie is a ward of the federal government, its top executives are highly compensated. The Freddie Mac official then in charge of its investment portfolio, Peter Federico, made $2.5 million in 2010, and had target compensation of $2.6 million for last year — the time period during which most of these inverse floater investments were made. ProPublica and NPR made numerous attempts to reach Federico. A woman who answered his home phone said he declined to comment.&lt;/blockquote&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zMLqLOd4s4Q:h-rUYKlfbH8:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zMLqLOd4s4Q:h-rUYKlfbH8:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zMLqLOd4s4Q:h-rUYKlfbH8:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=zMLqLOd4s4Q:h-rUYKlfbH8:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zMLqLOd4s4Q:h-rUYKlfbH8:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/zMLqLOd4s4Q&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/02/amazing_arrogance_of_freddie_m.html</guid>
         <pubDate>Fri, 03 Feb 2012 13:57:38 +0000</pubDate>
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      <item>
         <title>Alabama Homeowner Sues Freddie Mac and Citi-Mortgage For Wrongful Foreclosure</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/ACEJhKaH0z4/alabama_homeowner_sues_freddie.html</link>
         <description>&lt;p&gt;You can follow the link below to read about our client who was sued by Freddie Mac for ejectment (or eviction) after a foreclosure by CitiMortgage.&lt;/p&gt;

&lt;p&gt;Many Alabama consumers, unfortunately, just give up even when they have valid claims and defenses.&lt;/p&gt;

&lt;p&gt;Our client, however, felt the foreclosure was wrongful and improper and she decided to take action.&lt;/p&gt;

&lt;p&gt;She &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/02/alabama-consumer-counter-sues-citi-mortgage-and-freddie-mac-for-wrongful-foreclosure/&quot;&gt;answered the lawsuit and then filed a counterclaim against Freddie Mac and CitiMortgage for fraud, wrongful foreclosure, violation of the Fair Debt Collection Practices Act, negligence, etc.&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;If you have dealt with similar issues in Alabama, please contact us at 205-879-2447.&lt;/p&gt;

&lt;p&gt;Take care and we look forward to hearing about your story.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ACEJhKaH0z4:rT_a2AARj8E:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ACEJhKaH0z4:rT_a2AARj8E:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ACEJhKaH0z4:rT_a2AARj8E:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=ACEJhKaH0z4:rT_a2AARj8E:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ACEJhKaH0z4:rT_a2AARj8E:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/ACEJhKaH0z4&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/02/alabama_homeowner_sues_freddie.html</guid>
         <pubDate>Thu, 02 Feb 2012 14:00:17 +0000</pubDate>
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      <item>
         <title>Homeowners In Alabama Sue Wells Fargo For Wrongful Foreclosure</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/zZ8rv_G02fg/homeowners_in_alabama_sue_well.html</link>
         <description>&lt;p&gt;We &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/01/alabama-consumer-sues-wells-fargo-for-wrongful-foreclosure/&quot;&gt;recently sued Wells Fargo for wrongful foreclosure and fraud and since it is a common type of fraud&lt;/a&gt;, we thought it might be helpful to show you the complaint we filed in federal court.&lt;/p&gt;

&lt;p&gt;If you live in Alabama and you are dealing with anything similar to this with any mortgage company (especially Wells Fargo), please let us know as we would like to hear about your experiences.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zZ8rv_G02fg:1AdIaQzL1jg:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zZ8rv_G02fg:1AdIaQzL1jg:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zZ8rv_G02fg:1AdIaQzL1jg:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=zZ8rv_G02fg:1AdIaQzL1jg:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=zZ8rv_G02fg:1AdIaQzL1jg:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/zZ8rv_G02fg&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/01/homeowners_in_alabama_sue_well.html</guid>
         <pubDate>Tue, 17 Jan 2012 17:53:45 +0000</pubDate>
      </item>
      <item>
         <title>Chase To Stop Filing Collection Suits?</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/cbvyePXTCCc/chase_to_stop_filing_collectio.html</link>
         <description>&lt;p&gt;&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.americanbanker.com/issues/177_7/jpmorgan-chase-consumer-debt-collection-1045606-1.html&quot;&gt;Interesting news report that JP Morgan Chase is apparently stopping its collection lawsuits&lt;/a&gt;.  I have not verified this in Alabama as Chase is not a huge filer of collection lawsuits here but will do so when I have a moment.&lt;/p&gt;

&lt;p&gt;Here are some interesting quotes from the excellent article:&lt;/p&gt;

&lt;blockquote&gt;A sampling of court records in the major cities in five states shows that Chase collection suits have virtually disappeared. In a sixth state, Illinois, contract attorneys continue to file small-dollar cases, though at a reduced rate.

&lt;p&gt;It is unclear whether Chase has stopped pursuing collection on many claims nationwide, or if intends to pursue the debts in some other fashion. The bank has not explained its apparent moratorium and declined comment.&lt;/p&gt;

&lt;p&gt;Chase's halt does, however, follow scattered defeats in state courts and a whistle-blower's allegation that it falsely overstated the balances of thousands of delinquent accounts it sold to a third party. Former Chase employees and debt collection experts insist that the bank would not have abruptly retreated from its collections efforts in the absence of trouble.&lt;/blockquote&gt;&lt;/p&gt;

&lt;p&gt;We'll see how this plays out and how various problems with bogus debts affects the banks.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=cbvyePXTCCc:KjGsuKTU8y0:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=cbvyePXTCCc:KjGsuKTU8y0:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=cbvyePXTCCc:KjGsuKTU8y0:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=cbvyePXTCCc:KjGsuKTU8y0:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=cbvyePXTCCc:KjGsuKTU8y0:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/cbvyePXTCCc&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/01/chase_to_stop_filing_collectio.html</guid>
         <pubDate>Sun, 15 Jan 2012 14:53:19 +0000</pubDate>
      </item>
      <item>
         <title>Alabama Consumer Sues After Winning Collection Lawsuit</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/_dDLhC57crU/alabama_consumer_sues_after_wi.html</link>
         <description>&lt;p&gt;It is bad enough being sued by a debt buyer over an old debt.  Worse to be sued when you don't owe the debt.  The ultimate insult is when you have been sued, you win your lawsuit, and the debt buyer still won't remove the false information from your credit reports.&lt;/p&gt;

&lt;p&gt;What is the best solution to this frustrating problem?&lt;/p&gt;

&lt;p&gt;Each situation is different but often the &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.suedbyadebtcollector.com/i-won-my-lawsuit-now-what/&quot;&gt;best approach in Alabama is to sue the debt collector or debt buyer and the credit reporting agencies that refuse to correct false information.&lt;/a&gt;  Unless you like being trapped in an endless loop of no one listening to you or helping you, then often the best approach to getting these companies to do the right thing is to sue them.&lt;/p&gt;

&lt;p&gt;We recently did this by &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2012/01/alabama-consumer-sues-lvnv-equifax-experian-and-trans-union/&quot;&gt;filing suit against LVNV, Equifax, Experian, and Trans Union after our Alabama consumer won the LVNV collection lawsuit, and disputed the false information on his credit reports&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;If you have experienced this same problem in Alabama, please let us know as we would like to know your story as we gather more evidence of this growing problem.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=_dDLhC57crU:kSqIs6OV7ek:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=_dDLhC57crU:kSqIs6OV7ek:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=_dDLhC57crU:kSqIs6OV7ek:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=_dDLhC57crU:kSqIs6OV7ek:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=_dDLhC57crU:kSqIs6OV7ek:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/_dDLhC57crU&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2012/01/alabama_consumer_sues_after_wi.html</guid>
         <pubDate>Fri, 13 Jan 2012 14:05:51 +0000</pubDate>
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      <item>
         <title>Alabama Wrongful Foreclosure Website</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/7-Yn1Jy98r0/alabama_wrongful_foreclosure_w.html</link>
         <description>&lt;p&gt;We are in the process of finalizing a new website that is solely focused on &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamawrongfulforeclosure.com/&quot;&gt;Alabama foreclosures and ejectment lawsuits&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;While &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumer.com/&quot;&gt;Alabama Consumer&lt;/a&gt; and &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/practice-areas/stopping-foreclosures/&quot;&gt;Alabama Consumer Protection&lt;/a&gt; have aspects devoted to foreclosure issues, we wanted a site that only discusses foreclosures to make it as easy as possible to find the information that you want.&lt;/p&gt;

&lt;p&gt;We hope you enjoy it and leave us a comment or send us a message if you have any questions or suggestions.&lt;/p&gt;

&lt;p&gt;Thanks!&lt;/p&gt;

&lt;p&gt;John Watts and Stan Herring&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=7-Yn1Jy98r0:fZga2vUoe2s:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=7-Yn1Jy98r0:fZga2vUoe2s:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=7-Yn1Jy98r0:fZga2vUoe2s:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=7-Yn1Jy98r0:fZga2vUoe2s:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=7-Yn1Jy98r0:fZga2vUoe2s:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/7-Yn1Jy98r0&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2011/12/alabama_wrongful_foreclosure_w.html</guid>
         <pubDate>Wed, 21 Dec 2011 15:37:20 +0000</pubDate>
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         <title>FDCPA Lawsuit Against NCA and Smith Haynes</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/y1Ea9jo_IBQ/fdcpa_lawsuit_against_nca_and_1.html</link>
         <description>&lt;p&gt;We recently &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2011/11/alabama-consumer-sues-nca-and-smith-haynes-for-fdcpa-violations/&quot;&gt;filed suit (19 pages for the Complaint) under the FDCPA and Alabama state law against the debt collectors out of Kansas -- National Credit Adjusters and Smith Haynes &amp; Watson&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;There is a great deal of scams going on in the collection world related to pay day loans.&lt;/p&gt;

&lt;p&gt;This lawsuit exposes a different facet of pay day loan collection scams -- assuming that the allegations are correct, which we believe they are.&lt;/p&gt;

&lt;p&gt;I'm sure the defendants, National Credit Adjusters (also known as NCA) and Smith Haynes will strongly disagree and that is why, as an old judge told me once, they build these big courthouses.  To decide who is right and who is wrong.&lt;/p&gt;

&lt;p&gt;If you feel a collector has lied to you and you live in Alabama, please give us a call at 205-879-2447 and we'll be glad to chat with you and discuss your options.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=y1Ea9jo_IBQ:xZ_zXqxHs3w:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=y1Ea9jo_IBQ:xZ_zXqxHs3w:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=y1Ea9jo_IBQ:xZ_zXqxHs3w:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=y1Ea9jo_IBQ:xZ_zXqxHs3w:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=y1Ea9jo_IBQ:xZ_zXqxHs3w:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/y1Ea9jo_IBQ&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2011/11/fdcpa_lawsuit_against_nca_and_1.html</guid>
         <pubDate>Fri, 25 Nov 2011 02:17:04 +0000</pubDate>
      </item>
      <item>
         <title>LVNV Sued For Collecting After Losing Collection Lawsuit Against Alabama Consumer</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/MjHsZqnt7dU/lvnv_sued_for_collecting_after.html</link>
         <description>&lt;p&gt;You can read about what happened to an Alabama consumer after LVNV sued her, lost its case against her, and then continued to collect against her.&lt;/p&gt;

&lt;p&gt;The collection activities included sending her collection letters from a law firm.&lt;/p&gt;

&lt;p&gt;LVNV reported this debt on the consumer's credit reports, even though the court ruled the consumer did not owe the debt.&lt;/p&gt;

&lt;p&gt;LVNV verified the debt, as did Equifax, when the consumer disputed the debt with Equifax by including a copy of the judgment in her favor.&lt;/p&gt;

&lt;p&gt;So, finally, the &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/2011/11/fdcpa-lawsuit-against-lvnv-collection-lawyers-and-equifax/&quot;&gt;consumer sued LVNV, the collection law firm (Couch), and Equifax, for violating the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and Alabama state law&lt;/a&gt;.&lt;/p&gt;

&lt;p&gt;If you live in Alabama and have been sued or threatened by a debt buyer or &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.suedbyadebtcollector.com/i-won-my-lawsuit-now-what/&quot;&gt;you won your case and the collection agency and debt buyer are still reporting the debt on your credit reports or they are sending you collection letters or calling you&lt;/a&gt;, feel free to pick up the phone and call us at 205-879-2447 or you can &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.alabamaconsumerprotection.com/contact-us/&quot;&gt;contact us through an online contact form and let us know if you prefer a phone call or email response&lt;/a&gt;.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=MjHsZqnt7dU:kHLjHz8fPys:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=MjHsZqnt7dU:kHLjHz8fPys:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=MjHsZqnt7dU:kHLjHz8fPys:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=MjHsZqnt7dU:kHLjHz8fPys:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=MjHsZqnt7dU:kHLjHz8fPys:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/MjHsZqnt7dU&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2011/11/lvnv_sued_for_collecting_after.html</guid>
         <pubDate>Sat, 19 Nov 2011 20:55:09 +0000</pubDate>
      </item>
      <item>
         <title>A Detailed Discussion Of What Happens After You Win Your Alabama Collection Lawsuit</title>
         <link>http://rss.justia.com/~r/alabamaconsumerlawblogCom/~3/ekN_isgu49Y/a_detailed_discussion_of_what.html</link>
         <description>&lt;p&gt;Check out our other website where we have a&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://www.suedbyadebtcollector.com/i-won-my-lawsuit-now-what/&quot;&gt; long article on what it means when you win your Alabama collection lawsuit&lt;/a&gt;.  This article discusses many of the illegal collection actions that collection agencies, debt buyers, and collection lawyers (all of these are debt collectors) take after you beat them in the lawsuit they filed against you.&lt;/p&gt;

&lt;p&gt;Let us know if you have any questions about this and we hope this article is helpful.&lt;/p&gt;&lt;div class=&quot;feedflare&quot;&gt;
&lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ekN_isgu49Y:ePbGfBi-RTA:yIl2AUoC8zA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=yIl2AUoC8zA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ekN_isgu49Y:ePbGfBi-RTA:7Q72WNTAKBA&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=7Q72WNTAKBA&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ekN_isgu49Y:ePbGfBi-RTA:V_sGLiPBpWU&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?i=ekN_isgu49Y:ePbGfBi-RTA:V_sGLiPBpWU&quot; border=&quot;0&quot;&gt;&lt;/a&gt; &lt;a rel=&quot;nofollow&quot; target=&quot;_blank&quot; href=&quot;http://rss.justia.com/~ff/alabamaconsumerlawblogCom?a=ekN_isgu49Y:ePbGfBi-RTA:qj6IDK7rITs&quot;&gt;&lt;img src=&quot;http://feeds.feedburner.com/~ff/alabamaconsumerlawblogCom?d=qj6IDK7rITs&quot; border=&quot;0&quot;&gt;&lt;/a&gt;
&lt;/div&gt;&lt;img src=&quot;http://feeds.feedburner.com/~r/alabamaconsumerlawblogCom/~4/ekN_isgu49Y&quot; height=&quot;1&quot; width=&quot;1&quot;/&gt;</description>
         <guid isPermaLink="false">http://www.alabamaconsumerlawblog.com/2011/11/a_detailed_discussion_of_what.html</guid>
         <pubDate>Tue, 08 Nov 2011 03:56:31 +0000</pubDate>
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