Posts Tagged ‘collections’

Pay To Stay” Ohio Prison Program A Miserable Failure

August 20th, 2010

In the counties of Butler and Hamilton, Ohio, the sheriff’s departments attempted to collect money from inmates to pay for the cost of their stay at jail. An all around failure, the program stopped a few weeks ago after it cost taxpayers $69,000 to settle a federal lawsuit. The state auditor halted the program because it wasn’t generating any income.

Despite this fact, these counties are currently talking about re-starting the program through collecting booking fees. Financial analysts remain skeptical. Even in the best case scenarios, the policy may not be lucrative at all as many prisoners that end up in jail have no money.

Lawsuits were the issue that stopped the program in the first place. An Ohio prison nearby originally began charging booking fees at a hundred dollars and an additional $67.77 daily charge for every day held. But federal lawsuits against Hamilton and Butler counties started the end to “pay to stay” programs. The major issue at hand was determining who had to pay the fee.

Ohio law permits a county to charge prisoners for room and board, medical and dental treatment, property damage and a onetime booking fee. Inmates should be billed at the end of their stay, but the key provision of the law is that only convicted inmates could be charged. The District Judge stated that it was unconstitutional to take these fines from inmates who weren’t convicted yet.

Hamilton County was sued in 2000 and was told to refund about one million dollars in prison fees and to pay $150,000 for an educational program for prisoners. In 2001, Butler County was sued as well. By 2003, the grand total of money that was returned to settle litigation was $63,846 to 2,431 inmates. In addition, the county was ordered to pay a $5,000 donation to the Legal aid Society after officials did not add the agreed upon ten percent interest on refund checks.

Although the plan to charge pay to stay fees to prisoners has failed, and has cost taxpayers more money than the program is worth, the Sheriff’s department still looks to extract more money from the jail. Charging booking fees, and taking in out of state prisoners are current considerations.

Mallory Megan works for Rapid Recovery Solution, a medical debt collection agency. Having trouble collecting money from small claims? collection agencies can help.


Internet Reverse Lookup Phone Number

June 18th, 2010

Performing a reverse lookup phone number through the Internet is simple and most of the time is low-cost or free with various companies that allow individuals to use their technology to find out who has called them without leaving a message or their return phone number.

A system that allows phone numbers to be looked up from a reverse standpoint, it is simply a matter of putting a phone number into the box and clicking on the send button. Once this is completed, all the data of the individual or company that called your phone should be displayed on your computer screen. Once in a while, a reverse lookup company will request more information before releasing all the data about the phone number in question. For example a zip code may be needed in order to find out whom it was that called and did not leave their name or more than their phone number. This is often done so that if a person is serious about getting the unidentified person’s information, they will have to ‘work’ a little for it. A zip code is not that difficult to find using the area code from the phone number.

For some people, their telephone numbers could be blocked by their phone providers or themselves if they do not want to be located. Therefore, when a reverse lookup is performed on their phone number the person looking up the information will get a city and state or general area instead of that person’s or businesses address. Places like Seattle, Washington or Chicago, Illinois will show up but nothing more about the person or company who called you.

There are two choices for the data that a person would want to know about who is calling them without leaving a message or their name, just a phone number. A reverse phone number lookup system online could be free or it could cost a nominal amount of funds. The free system may not always provide all the necessary information in order to get back in touch with whomever called you, however the one that is paid typically offers all information. When a person puts in the phone number that calls them for the reverse information, there might be a box come up wanting your data like credit card number, your name, address and phone number for the opportunity to find out who called you and how to get in touch with them.

Cell phones are a little different in that the name of the owner could be permanently blocked from view when trying to look up a reverse phone number. This is part of a federal law and has been challenged by many businesses and creditors across the country because they are trying to reach individuals who either do not answer their landline phones or only have a cell phone. This is not the case with all cell phone providers and cell phone users, just some.

Not many people have landline phones any longer, but one of the biggest reasons for wanting a reverse phone number lookup system is because a person may have missed an important phone call on their cell phone or home phone and want to know who called them before returning the call.

Helping the police with a name and address for someone who has been calling you non-stop and hanging up or just breathing is a good thing. Being able to find this information with a reverse lookup by using their phone number is what is helpful and will help in stopping the harassing calls.

A quick and easy procedure such as a reverse lookup phone number Internet search to locate a person or business that has been unsuccessful in trying to reach you or hanging up on you several times a day, or night, would be helpful to the police and help calm your nerves once they stop the calls.

If you would like to run a reverse lookup for a phone number, I highly recommend that you visit www.whoscallin.me, the most trusted and effective reverse phone search engine on the internet.


Suggestions For Online Buyers

March 20th, 2010

I know that nowadays, buying something by means of the net is the swiftest and the most comfortable way to get hold of the goods that you instantly need. When you are in a hurry and suddenly you need food for your guests who are on their way to your place you are too busy to prepare food for them because it will be too late by then once they arrive. What you could do is go to the web and search via Google.

Personally, I have set my default home page to Google because so far, it is the search engine with the vast majority of accurate and accomplish details, especially with regards to directories of the nearest restaurants, the newest place in town or the latest devices on the market. Simple as it is, anyone who considers online shopping part of their constant routine must also be aware that if shopping online is effortless, we may also be cheated and scammed in it easily. So what we must do is to be informed on the things that should keep us risk-free from the web predators so we do not fall prey to them when we do our net shopping spree.

First thing I look for in a website where I am making a purchase is the padlock symbol which is normally found at the bottom right part of the website. You should also click on it and it should show you all the information about the seller. The information in the certificate and the information posted on the seller’s profile should match. If they don’t, look for another seller. Also, are you required to by the shopping website to enter your confidential information such as bank account numbers, credit card or debit card numbers, date of birth and social security number? Make sure that before you do so, you need to run an anti spyware program that will stop any phishing programs from getting all these information from you without you knowing it.

In terms of having the merchandise you acquired delivered, according to a particular FTC rule that I have found on the web also, says that the seller should give you a specific time frame when the goods you’ve bought will likely be delivered to you. In case he couldn’t give you an exact time frame or date when the goods will probably be delivered, you may assume that within 30 days upon making the payment, you ought to get the products you ordered. If not, the seller should give you an option to get the payment back as a refund after you cancel the order you placed.

In case you happen to be already in a situation where you think you have already been scammed or ripped off by a seller in a particular shopping web page, you must look for the link that says “contact us” and you need to find there the phone number, email address or the office of the administration. Then you could get in touch with them to discuss what happened to the transaction you have made through their internet site. In the event you do not think they did enough to defend your interests as a consumer, then I strongly suggest that you get in touch with the Better Business Bureau – Office of the State Attorney General in your state or the particular state where the seller is or you can also go to the Federal Trade Commission and get a Consumer Complaint Form.

Keep in mind that we can easily always avoid getting scammed if only we know how to be on the look out for these predators in the internet. It’s our responsibility as consumers to become vigilant in almost everything we do, particularly on the internet where almost everything is available.

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Stop Your Own Foreclosure Fast

October 29th, 2009

If you, like many folks in the U.S.A, are facing foreclosure on your home, then you are looking for anything you can do to stop it. Firstly, be calm and dont panic. Do not get yourself into a situation like mortgage restructure that you have to pay for up front. A reputable mortgage company, that knows that their service will help you, will do this with no money up front because they know they will get paid when the mortgage goes through.

In stopping foreclosure, the first thing you need to do is always keep the mortgage company aware of your current situation. Work with the lending company and make an agreement with them to pay what you can, even if it is partial payments. This agreement, if followed by you, will keep your loan from going into foreclosure.

Once you get too far behind in payments, your mortgage company will file a notice of default. Your options, at this point, become very limited and your mortgage holder will not be as likely to work with you once this has been filed and foreclosure proceedings are started.

When you reach the stage of notice of default, your only option may be to pay the arrears payment along with the interest and foreclosure costs in order to stop the process.

At this point, the fees can begin adding up so quick that there is no way that a person can catch up. At this point, walking away from the problem all together seems like the easiest thing to do. Here is the sad part of this; there are some options that can be exercised.

The laws on foreclosure differ from state to state, They are not the same either in Judicial Foreclosures or Non-Judicial Foreclosures. As of February 2008, the Foreclosure Act of 2008 allows homeowners to file for bankruptcy and be able to save their home. Of course there are different qualifications for this. Most people will qualify. It will be up to the individual judge as to what extent and what the foreclosure will include, as far as all or a portion of the loan goes. It is crucially important that when you receive the Notice of Default, you notify the bank of your intentions immediately. So do your homework before you receive your notice if it is eminent.

Most folks are not aware of this, but there are many foreclosure help companies out there that can help you at this point. The earlier you get one of these companies on board, the better off you will be. So be honest with yourself and seek help before it becomes a necessity. This is the key to stopping a foreclosure. There are mortgage prevention programs and mitigation companies out there that know how to help you, so seek their help.

Not only can these corps help you stop foreclosure, they will speak with the mortgage holder directly, easing your stress over the situation. They can restructure the mortgage or lower your payments for a period of time.

If You can’t afford one of these Corps go to the Internet and use your search engine to find self help to stop foreclosure there are a lot if do it yourself kits for various other legal maneuvers if you dont feel comfortable with the options above. Again, be realistic and seek these forms of help before it becomes completely necessary.

Adam Whazzer has been a mortgage guru for years” Adam has offered stop foreclosure lawyer and foreclosure help program to foreclosure victims for nearly 5 years. If you are facing foreclosure, stop by for More Info On this Subject