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Discussion in 'Credit Talk' started by Carreonand, May 8, 2000.
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This is most certainly a damning indictment of the whole credit industry and congress.
Welcome to the new world of debtor's prison for life.
Its obvious what this will lead to. Epecially those without homes. I.E. quitting their jobs where their wages are being permanently garnished and going on welfare. There to live in permanent poverty with judgements upon them until sometime in the future (5? 10? 20 years) the laws are changed and an amnesty is broght about.
Also, now matter how much the corrupt goverment tries to stop this they will be an explosion of companies offering new ID's, credit files and services helping to assist these 'bankrupt' individuals vanish. I see a whole sub-class of missing persons chased by hordes of private investigators hired by the creditors and collection agencies.
It won't be too far-fetched to see crime dramas with individuals who skipped out on credit card and payday loan debts in the 10 top!!!!
Welcome to the brave new world of the United States of America or is that a return to industrial age England.
It's a great thing if you are a lending institution. It certainly is a giant step toward doing away with the whole reason bankruptcy laws were a part of this country's history. Simply fewer protections and rights for the individual and even increased power for the corporations, banks, and big money folks who own us. There were certainly abuses of the law, but now the law is an abuse itself and emblemic of the ever diminishing rights of the original rights of the individual. IMHO, of course
I'm sure our lawmakers are very aware of who lines their pockets and have acted in the best interest of the big contributors.
Yikes, no wonder people are joining militia groups. Let's see...high taxes no medical coverage, corporations dictate what bills are drafted and passed, and as we speak the NSA is reading every word I say. Just because I'm paranoid doesn't mean people aren't following me.
Congress is closing loopholes to ensure their tax dollars continue to pour into government coffers.
If money wasn't being stolen through high taxes by the thieves in Congress BKs surely would not be so prevalent. MSAs should be allowed to plan for medical emergencies; social security, a ponzi scheme that soaks the middle class of revenue, should be privatized after ensuring those who paid into it received every cent returned the government taxed from them.
In my opinion most rational and middle class people use credit cards to keep their standard of living going to enjoy minimal comforts of life. No one can make it on one or two incomes and still enjoy a life that reflects the hard work put into it.
We are not the only ones opposed to this:
Consumer Bankruptcy Attorneys Denounce Creditor-Sponsored Bankruptcy Bill
NACBA Urges Lawmakers to Take More Balanced Approach
WASHINGTON, D.C.February 24, 1999
The National Association of Consumer Bankruptcy Attorneys (NACBA) expressed its strong opposition to bankruptcy legislation introduced today by Representative Gekas and others.
"It is regrettable that a handful of Members of Congress have chosen to resurrect one of the most anti-family pieces of legislation to be considered during the 105th Congress," said NACBA president Norma Hammes. "The passage of time has done nothing to make what failed in the last Congress a better bill for this one. The bill introduced today would make bankruptcy more expensive, more intimidating, and less effective for families in financial distress. It will put the family home, automobile and other necessities at risk," Hammes added.
"Congress sends the wrong signal if it ignores the credit card companies' sorry record," said Ike Shulman, NACBA legislative committee chair. "This bill actually rewards them with so-called 'bankruptcy reform' that will only serve to harm single mothers and their children, working families struggling to make ends meet, crime victims, senior citizens fighting to save their homes, small-business owners struggling to stay afloat, and other hard-working Americans facing extraordinary financial difficulties," Shulman added.
"If Congress really wants to show that it is focusing on the people's business, it will rein in the increasingly out-of-control abuses by credit card companies," said NACBA member Henry Sommer. "Congress should take a hard look at what may best be described as 'cardjacking' -- sky-high interest charges, outrageous penalties for people who pay their bills in full each month, and, the profligate granting of credit far beyond the ability of average consumers to repay. Every independent study has shown that the increasing number of bankruptcies is directly related to the rising level of debt, fueled in part by the aggressive marketing practices of credit card companies," said Sommer.
"The simple truth is that there is a better way to reform the bankruptcy system. We stand ready with lawmakers and other interested parties in finding a balance between rooting out abusers of the bankruptcy system and making possible the rehabilitation of good faith petitioners who seek to honorably deal with their debts while providing for their families," said Hammes.
Fear not - Clinton has vowed to veto it if it passes. Can't say what Bush would do when he is elected.
If there's enough money involved Bush will pass it, just like his old man.
(READ MY LIPS, NO NEW TAXES) That promise
didn't even last a year before he raised