2013년 12월 3일 화요일

About 'michigan debt collection laws'|Debt Rattle, December 1 2008: Trying to avoid the unavoidable, but at what cost







About 'michigan debt collection laws'|Debt Rattle, December 1 2008: Trying to avoid the unavoidable, but at what cost








You               hear               about               them               all               the               time.

Foundations.

Churches.

Initiatives               to               reduce               poverty               and               homeless,               to               feed               the               hungry.

These               types               of               organisations               are               geared               toward               helping               others,               and               while               they               don't               personally               profit               the               founder               (s)               of               these               companies,               at               least               when               starting               out--they               can               be               personally               rewarding               to               everyone               involved.

They               are               known               as               nonprofit               organisations,               for               a               very               specific               reasons.

One               cannot               legally               profit               from               them--all               monies               raised               must               be               sent               to               benefit               the               people               that               are,               according               to               the               bylaws               of               that               organisation,               to               be               helped.

Or               they               are               to               go               back               into               the               company               in               question,               funding               the               day               to               day               affairs               of               the               organisation.

For               example,               if               a               group               whose               purpose               is               to               help               the               homeless               were               to               take               a               church               collection               for               advertising,               the               founder               can't               pocket               the               funds,               or               even               part               of               them.

This               is               known               as               embezzlement,               and               can               get               that               individual               in               a               lot               of               trouble.

In               short,               the               monies               are               to               be               used               for               the               purpose               they               were               collected               for.
               Does               that               mean               that               you               must               go               without               a               salary,               or               a               means               of               paying               your               people?

No.

There               is               one               legal               way               around               that               fate,               but               don't               expect               me               to               tell               you               that               it's               easy.

You               must               become               good               at               grant               writing.

That               is               the               key               that               unlocks               that               door.

You               must               find               a               company,               or               foundation,               whose               interests               match               yours.

If               you               are               on               a               campaign               to               relieve               homelessness,               for               example,               you               must               find               a               foundation,               or               a               company               that               is               interested               in               bankrolling               such               organisations.

And               you               must               spell               out               your               needs;               you               must               state               your               case               clearly               and               accurately.

There               are               strict               deadlines,               you               must               be               concise,               and               your               grant               must               be               free               of               errors.

Or               it               will               be               sent               back.
               But               that               is               a               different               paper               altogether.

The               purpose               of               this               discussion               is               to               talk               about               how               to               start               a               nonprofit               organisation               of               your               own.

First,               you               must               find               a               Vision,               or               a               dream.

You               must               find               a               problem               in               society               that               you               feel               God               has               called               you               to               have               a               strong               hand               in               solving.

Comedian               Jerry               Lewis,               for               example,               for               some               reason               he               refuses               to               tell               us               til               this               very               day--has               a               heartfelt               passion               for               helping               kids               with               the               deadly,               still               currently               incurable               muscular               dystrophy.

Out               of               that               comes               the               Muscular               Dystrophy               Association,               which               produces               the               yearly               Labour               Day               Telethon.

Many               of               you               will               watch               it               this               Labour               Day               weekend               on               Sunday               night,               September               6               until               Labour               Day,               Sept.

7.

Many               of               you               will               laugh,               many               of               you               will               cry,               and               many               of               you               who               have               the               means               to               give               will               even               pledge.
               The               next               move               to               make               is               to               write               it               down.

The               very               wise               words               of               the               Bible               can               be               found               in               Habakkuk               2:               2,               which               says,               "Write               the               Vision--make               it               plain               upon               tables,               that               they               may               run               that               readeth               it."               Why               do               I               say               this?

Because               you               are               going               to               need               people               who               will               run               with               you.

There               is               nothing               worse               than               a               person               who               is               forced               to               run               a               non-profit--or               any               other               business               for               that               matter--alone.

It               is               next               to               impossible.

Even               Jesus               Christ,               the               founder               of               the               first               major               successful               non               profit               organisation,               the               Church--recognised               that               he               needed               help.

He               founded               His               organisation,               and               chose               12               people               to               help               Him               get               His               work               started.

That               organisation,               known               as               the               Church,               is               still               thriving               today,               even               though               its               Leader               is               long               gone.
               Next,               you               will               want               to               do               research.

Go               out               on               a               fact               finding               mission               to               see               if               your               Vision               is               already               being               done               by               someone               else.

For               example,               it's               fine               you               want               to               help               people               get               out               of               debt,               but               if               there               are               three               other               organisations               with               the               same               goal--then,               instead               of               forming               your               own               group,               you               may               want               to               team               up               with               other               groups               doing               the               same               thing.
               But               should               you               see               the               need               for               your               nonprofit               in               the               community,               you               are               going               to               want               to               build               a               work               that               survives               even               your               departure               from               the               scene.

That               means               that               not               only               should               you               select               people,               but               you               should               choose               individuals               who               see               your               Vision.

If               your               Vision               is               feeding               and               clothing               the               hungry               and               the               naked,               select               individuals               who               feel               it               the               way               you               do,               who               are               just               as               passionate               as               you               are.(Sidebar:               How               to               identify               those               people               will               be               a               topic               of               another               paper.)
               The               next               thing               to               do               is               to               get               Incorporated.

By               so               doing,               you               protect               yourself               from               a               personal               lawsuit.

They               can               sue               a               person,               but               they               can't               sue               a               corporation               quite               as               easily.

What               happens               is,               the               corporation               becomes               a               separate               entity,               or               person,               from               its               founder.

It               takes               on               a               whole               life               of               its               own.

How               do               you               do               this?

Call               your               state               offices,               or               your               local               Chamber               of               Commerce.

There               is               a               small               fee,               say,               maybe               $10-$25.
               Incorporating               is               a               major               step               towards               the               all-too               important               501c3               status.

You               have,               maybe               a               year               and               a               half,               to               finalise               your               501c3,               or               tax-exempt               status.

Without               this               you               cannot               raise               monies,               advertise               on               radio,               or               do               anything.

That's               the               law.

And               getting               through               the               paperwork               will               cost               you.

Please               google               the               laws               for               your               state               for               the               exact               price.

It               varies.

But               in               Michigan,               for               example,               $500               will               get               you               tax               exemption               up               to               around               $10,000.

Generally,               you               will               have               a               year               and               a               half-               to               two               years               to               finalise               the               501c3               process.

This               is               sooooo               important--local               radio/TV               advertisers               won't               even               look               at               advertising               for               you               without               such               paperwork               filled               out!

That               is               your               ticket               to               advertising,               to               respectability               as               a               non-profit.
               You               may               say,               "Koolbreeze,               I               don't               have               the               money               right               now.

How               can               I               fundraise?"               So               glad               you               asked               that               question,               my               friend.

Seek               a               fiduciary               agreement               with               your               pastor,               or               a               friend               who               has               a               successful               nonprofit.

Let               that               person               serve               as               your               fiduciary               person               until               you               are               able               to               afford               your               own               501c3               paperwork.

Mind               you,               you               may               not               have               the               independence               you               want               right               now,               but               it's               a               good               start.

But               you               must               have               that               piece               of               paper.

Think               of               that               piece               of               paper               as               a               driving               permit--a               piece               of               paper               you               must               carry               around               with               you               that               enables               you               to               drive               under               supervision               of               a               licensed               adult,               until               such               a               time               as               you               get               your               own               full-fledged               license.
               The               next               thing               to               do               is               to               schedule               interviews               with               people               who               may               be               interested               in               partnering               with               you,               or               advertising               with               you.

These               are               BUSINESS               meetings,               and               you               must               treat               them               as               such.

Come               there               organised,               and               appropriately               dressed.

Be               ready               to               give               a               simple               presentation               of               what               you               are               all               about.

Keep               it               concise               and               be               respectful               of               the               time               they've               chosen               to               give               you.

In               the               case               of               a               public               presentation,               if               you               are               given               10               minutes               to               communicate               your               message,               take               eight.

Don't               take               the               whole               time.

Hit               the               important               points               and               yield               back               the               balance               of               your               time.

Conciseness               is               the               key               here.

Don't               try               to               oversell               your               product               or               service.

Don't               take               too               long.

That               will               be               a               mark               against               your               organisation.

You               won't               be               invited               back.
               Also...be               prepared               to               provide               the               service,               or               fundraiser,               you               say               you               are               going               to               provide               the               day               and               time               you               say               you               are               going               to               provide               it.

If               you               want               to               hold               a               car               wash,               for               example--make               sure               the               arrangements               for               that               fundraiser               have               been               made.

Make               a               list               of               all               people               who               have               agreed               to               be               volunteers               on               that               day.

Furthermore,               don't               just               pick               one               day,               also               pick               a               rain               date.

For               example,               if               you               choose               Saturday,               April               27               as               your               day,               pick               a               rain               date,               say               May               18               as               a               backup.

In               other               words,               have               a               BACKUP               plan,               or               plan               B.
               The               next               thing               you               will               want               to               do               is               advertise,               advertise,               advertise.

Call               your               local               radio               station.

In               choosing               a               station,               examine               things               such               as               cost               as               well               as               your               intended               demographic--i.e.,               the               people               who               will               benefit               the               most.

If               you               know               that               for               a               given               project               your               demographic               is               African-American               churchgoers,               you               may               want               to               advertise               on               an               African-American               station,               such               as               WJLB               in               Detroit,               or               The               Touch               in               Kalamazoo,               some               excellent               radio               stations               in               that               particular               demographic               here               in               Michigan.

Advertising               goes               a               long               way.
               Finally,               be               patient.

Don't               be               discouraged.

Just               because               it's               not               paying               you               personally,               is               no               reason               to               give               up.

It               will               one               day,               if               you               keep               at               it,               and               write               grants,               and               connect               with               the               proper               people.

For               this               reason,               it's               best               not               to               focus               on               how               it               will               reward               you.

Your               main               reward               will               be               that               you               are               doing               something               worthwhile               for               someone               else.






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      ...Volume II, 1886, (Pgs. 506-507). [The Modern English Collection at the University of Virginia Electronic Text Center...am of opinion that it is not a rule of law of universal application that the plaintiff must prove...
    8. ericjurmo.wordpress.com/   08/06/2010
      ...my opinion, the debt collection industry runs...the Federal Laws that were put...you file a lawsuit, debt collectors... in Chesterfield Michigan. Chesterfield Loan Modification...
    9. melburrowlaw.wordpress.com/   06/14/2011
      ...responsibility to pay off any debts themselves, although stories abound of collection agencies...Pottow, a professor of law at the University of Michigan Law School, found...
    10. theautomaticearth.blogspot.com/   12/01/2008
      ... tied with Michigan as the highest... that deal with debt, either helping... law firms, investigative... in debt collection (she calls it...



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    2013년 12월 2일 월요일

    About 'debt collection agency australia'|..., Obama’s Private Life None of Anyone’s Business, Education-Financial-Student Debt Complex, Increasingly Oppressive Societies, Dangerous Tech, Neurotech Satellite Wiifi Danger...







    About 'debt collection agency australia'|..., Obama’s Private Life None of Anyone’s Business, Education-Financial-Student Debt Complex, Increasingly Oppressive Societies, Dangerous Tech, Neurotech Satellite Wiifi Danger...














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    1. debtcollectorsanon.blogspot.com/   10/27/2005
      ... with, was LAM - at the time the 3rd largest debt collection agency (DCA) in australia and by far the largest in the state. i was transferred...
    2. rougeknights.blogspot.com/   11/01/2007
      ...payment to credit rating agencies. Being late on a payment... the amount of debt the consumer has. When...July 2004) £55.1 billion [2] Australia (2007) $40 billion (AUD) [3...
    3. malaysiandemocracy.wordpress.com/   09/16/2012
      ...close their doors, the debt collection industry is booming. Conserve, a debt collection agency in New York, expects to double its payroll in the next three years...
    4. expectedloss.blogspot.com/   07/25/2011
      ...Treasury investors. Now these agencies, led by S&P, are beginning...responsibility was software development and data collection. He had no professional experience as...
    5. bikersofamerica.blogspot.com/   10/06/2011
      .... The repossession agency denies any involvement... repo," said one debt collector. A spokesman for the Minister... of debt collection regulation is under way...
    6. legalleverage.wordpress.com/   12/17/2009
      ...to a collection agency the collection agency will not have paid full price for the debt. Therefore you are...Call 1300 305 898 in Australia to enquire or visit http...
    7. theautomaticearth.blogspot.com/   04/25/2008
      ...the world's biggest commodity markets. Debt Collection Done From India Appeals to U.S. Agencies In a glass tower on the outskirts of New...
    8. themancommon.blogspot.com/   02/03/2013
      ...way or another, they were centrally about debt, especially a system of indebtedness that was...and Russia, as well as the outbacks of Australia and South America. To survive this mercantile onslaught...
    9. rwer.wordpress.com/   01/01/2012
      Debt Britannia (with 16...fault its statistical agencies on the collection and dissemination of... of the US. Australia’s ABS ... even Australia’s household debt ratio—though Australia...
    10. globalglassonion.blogspot.com/   11/26/2011
      ...which conducts auctions on behalf of the Germany’s federal debt agency, accepted €3.644 billion in bids. That left the central bank to pick up...



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    2013년 11월 30일 토요일

    About 'arrow debt collection'|Debt Rattle, October 15 2008: The Real People







    About 'arrow debt collection'|Debt Rattle, October 15 2008: The Real People








    Denver               is               a               fine               city.

    It               has               a               proud               frontier               history,               clear               mountain               air               and               a               modern               collection               of               skyscrapers               and               highways.
                   Everybody               should               visit               Denver               at               least               once.
                   You               can               even               visit               when               it's               most               "eco               friendly"               to               do               so.

    A               "travel               carbon               calculator"               will               tell               you               how               much               your               trip               and               stay               in               Denver               will               bang               up               the               planet               and               melt               the               polar               caps.

    The               "travel               carbon               calculator"               can               do               this               whether               you               fly               in               on               Frontier               or               United,               or               hop               into               your               non-hybrid               SUV               and               take               the               trek.

    There               is               no               calculator               function               for               private               jets,               so               the               footprint               of               the               "Obama               1"               jet               is               not               able               to               be               figured.
                   Okay,               you               get               to               the               "Mile               High               City"               and               the               earth               is               still               holding               together               --               then               what?

    Denver,               especially               now               during               the               Democrat               Convention,               is               a               great               blending               of               the               old               and               the               new.
                   There               are               hundreds               of               art               galleries               in               Denver,               according               to               the               official               Denver               Tourism               web               site.

    There               are               museums               by               the               score,               ranging               from               the               dead               white               rich               guy               museum,               Astor               House               Museum,               to               the               Black               American               West               Museum,               to               the               the               old               exploiters               museum               of               Buffalo               Bill               (which               as               a               bonus               contains               old               Bill's               grave).

    In               Barrack               Obama's               home               town,               Chicago,               there               are               some               great               art               galleries               and               museums,               too,               but               most               people               just               think               that               "Art"               is               the               old               peeping               tom               down               the               block,               and               a               museum               is               what               kids               visit               on               field               trips               from               school.
                   Denver               is               an               active               city,               where               ordinary               citizens               are               slim               people               in               spandex               suits,               cutting               through               the               thin               mountain               air               like               an               arrow               shot               from               a               bow.

    This               compared               to               Barrack               Obama's               home               town,               Chicago,               where               the               typical               bike               riding               citizen               is               dressed               in               a               wife               beater               t-shirt               with               a               middle               finger               salute               stitched               on               it.

    Jostle               too               close               in               your               car               and               your               likely               to               get               that               middle               finger               aimed               at               you               (at               the               very               least),               along               with               a               string               of               obscenities               when               the               Chicago               lad               removes               the               cigarette               from               his               mouth.

    There               are               miles               of               bike               trails               in               Denver,               and               the               odds               greatly               favor               your               living               should               you               complete               one,               as               opposed               to               the               neighborhoods               close               to               Obama's               mansion,               where               a               bullet               decides               when               the               bike               riding               is               finished.
                   Denver               has               you               covered,               no               matter               where               you               go,               even               if               it's               outside               of               the               city.

    There               are               many               convenient               "Visitor               Information               Booths",               which               most               likely               point               you               back               into               the               city               for               more               fun               things               to               do.

    In               Chicago,               the               Democrat               Machine,               which               is               synonymous               with               the               Daley               (as               in               Richard               J.

    --               "da               mayor")               Machine,               has               that               figured               out,               too.

    The               official               motto               of               Chicago               is               "Where's               Mine"               or               those               more               ed-u-macated               Denverites               and               Democrats,               "Ubi               est               mea".

    This               leads               to               the               tourism               and               work               for               hire               motto,               which               is,               "We               don't               want               nobody               nobody               sent".

    Have               a               good               time               somewhere               else,               but               if               you               do               visit,               we               will               tax               your               fool               hardy               brains               out               at               max               11.25               percent               in               "da               Loop"               should               you               be               so               stupid               as               to               buy               something               there,               or               along               the               Magnificent               Mile.
                   One               can               even               take               a               winery               tour               in               Denver.

    Obama's               old               stomping               grounds,               where               he               did               his               community               organizing,               has               tours               too.

    Any               number               of               skinny,               booze               soaked               drunks               take               the               liquor               store               tour,               which               lasts               the               entire               day.

    Go               by               anytime               and               see               the               clerk               behind               bullet               proof               glass.

    He               sure               is               organized               --               speed               dial               set               to               911               and               9               millimeter               under               the               counter               (though               this               is               technically               against               the               law               in               this               Obama               organized               city).
                   A               new               addition               in               Denver               is               a               bow               to               the               Democrat               vision               of               free               speech.

    It's               been               called               the               new               "Gitmo"               of               the               West.

    Actually,               it's               just               the               latest               Chicago               import.

    It               seems               a               number               of               aging,               smelly               hippies               want               to               relive               their               glory               days               and               disrupt               the               Democrat               Convention.

    They               call               themselves               "Re-create               68".

    This               does               not               refer               to               their               IQ,               but               to               the               riots               that               raged               during               the               Democrat               Convention               in               Chicago,               in               1968.

    Raged               that               is,               until               Mayor               Daley               the               First,               Richard               M.

    Daley               (Richie's               dad),               had               the               very               capable               Chicago               police               pound               the               then               young               smelly               hippie's               skulls               till               the               raging               stopped               and               business               as               usual               was               completed.

    This               new               fenced               off               area               in               Denver               keeps               the               protesters               out               of               sight               and               out               of               earshot               of               the               organized               ears               of               Obama.

    See               no               evil.

    Hear               no               evil.

    There               is               no               evil.

    The               coronation               can               be               accomplished               in               peace.

    The               1000               year               reign               can               begin.

    Free               speech               is               allowed               in               Blue               Land,               but               only               when               it               doesn't               cost               the               Democrats               any               bad               TV               sound               bites.
                   The               first               night               of               the               Democrat               convention               will               have               the               whole               Chicago               gang               there.

    Some               are               even               speaking.

    Among               the               "honorable"               speakers               tonight               are               some               of               the               royality               of               Chicago               Machine               Politics.

    You               have               Emil               Jones,               President               of               the               Illinois               senate,               who               just               annointed               his               dunce               of               a               son               to               be               his               successor.

    Jones               was               the               guy               who               took               a               young               Barrack               under               his               wing               and               showed               him               the               way               of               Chicago               politics:               pay               to               play.

    You'll               meet               the               Illinois               Comptroller,               Dan               Hynes,               who               has               overseen               the               State               of               Illinois               debt               explosion,               and               who               has               never               turned               down               a               cronie               in               need               for               a               little               public               lifestyle               financing.

    There               Lisa               Madigan,               the               bean               pole               progeny               of               Michael               Madigan,               the               Illinois               Speaker               of               the               House               and               one               of               the               clout               bloated               ruling               families               of               Illinois.
                   Lisa               Madigan,               however,               won't               be               the               only               Illinois               girl               there.

    Another               hometown               sweetheart               will               be               mighty               present               at               the               Denver               Democrat               Convention:               Hillary               Clinton.

    She               grew               up               in               Park               Ridge,               which               is               a               Metra               train               line               escape               from               the               inner               city               of               Chicago.

    I'm               not               sure               if               it               will               be               Hillary's               first               trip               to               Denver.

    I               suspect               not.

    It               might               be               her               last,               though,               as               these               days               won't               be               easy               on               her,               and               who               wants               to               relive               and               revisit               any               city               under               these               circumstances.
                   Denver               is               a               great               city               to               visit.

    I've               been               there.

    I               love               it.

    Denver               better               get               used               to               Chicago               politics.

    Once               the               Great               Obama               acends               to               the               Oval               Office               throne,               there               will               be               change.

    It               will               be               change               you               can               believe               in,               if               you               are               a               former               machine               hack               organizer               from               Chicago,               who               can               read               pretty               words               from               a               teleprompter.
                   Change               that               will               make               any               grifter               smile,               including               Tony               Rezko,               when               he               sits               down               to               what               used               to               be               called               a               Denver               Omelet               but               is               now               the               Chicago-Denver               combo               called               the               Obama               Omlet.
                   Let's               hope               the               polar               ice               caps               are               still               intact               when               this               convention               is               finished,               because               the               travel               carbon               calculator               will               be               hot               off               the               charts               with               all               the               Chicago               hot               air               that               has               blown               in.






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