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  1. Does your dd's college have a legal office for students (many/most do). If so, she can go to them and get county-specific advice on what to do. Have your dd contact her professors NOW to let them know about the jury duty situation. That way you can go ahead and work something out should push come to shove. Pending advice from the legal office, go ahead and write another letter, explaining that that is the week of exams, and professors are refusing to allow her to take exams. What's more, if she should have to serve for a month, that is FAAAAR too long for her to simply make up the tests without consequence. If the jerk of a judge is going to force her to come in for jury duty, he has a legal obligation to FORCE the university's cooperation in the matter. If he's not willing to compel them to cooperate, he can't legally require her to attend jury duty (that's just the way it is). But again, get advice from the legal office at school on that one. There may be different rules in different jurisdictions. FWIW, I called in for jury duty when I was a college student. I simply wrote a quick letter to the clerk of court explaining that I was a student, and not a legal resident of the county in question (heck, I think there was even a check box for that).
  2. Hey guys- I thought the general forum would be a better place for this than the credit forum. Anyhoo, I'm giving a presentation on the FDCPA. I've been looking everywhere for statistics (ie, % of people with collections on their credit reports, % of bogus collections, etc.), but haven't been able to find any. I know they're out there, because I've read them before. I suppose I'm just not googling the right combo of keywords or something. All that comes up are actual collection agencies talking about the importance of early collection efforts. If any of you guys happen to know of an article (or something) that would have hard statistics, that would be great. I REALLY appreciate it! I figured that if anyone would know of where these might be, it would be you guys.
  3. (bump) Evil-sperian also sent us a "previously verified" letter today. Get this: it's for a mortgage tl that was iib, but current at the time. It SHOULD be reporting closed, paid as agreed, included in bk. Anyhoo, it's reporting a CURRENT foreclosure. Disputed. Verified. Disputed with OC. CMRRR RETURNED TO SENDER! Sent a copy of the returned CMRRR to Evil-sperian, demanding they delete as I've been deprived of my right to dispute (and how the hell did they investigate with a bogus contact address for the OC anyway???). This is a HUGE violation of pretty much every consumer protection statute there is (FCRA, bankruptcy code, etc.). A not-so-nice letter to the registered agent will be going off Tuesday (gotta wait for the Labor Day holiday). I'll apply for a mortgage and get denied tomorrow (just so I have some serious damages). Punks.
  4. I've already told them I'll be making complaints to the IRS. The IRS won't care that they prefer to mail the documents, that's their prerogative (even if it is pretty stinking lame). What a bunch of creeps. I'm formulating my reply now... "Gee, I didn't realize Jesus said anything about the USPS...could you please direct me to the appropriate verse?"
  5. Yeah, but I'd still have to use my real name, right (for a mailboxes etc. style box, I mean)? What I'd REALLY like, is to tell them that they should really seek competent legal counsel regarding their insistance on knowing my identity (they spouted a bunch of biblical "justification" for their refusal to e-mail/fax), and then direct them to send the documents to MY legal counsel, who is authorized to accept delivery on my behalf. Can you retain a lawyer just to receive documents? What will that cost me?
  6. I need to set up an anonymous mail drop. I want to do this because I've requested some documents from an organization and would greatly prefer to maintain my anonymity in receiving them (backstory below). Does anyone know a way of legally doing this? Here's the backstory: In college, my husband and I were members of a campus church. We left several years ago, but have since learned that this group has had a long and colorful history, had been previously labeled as a cult, and is (obviously) not upfront about its history/practices. This is a group that is still on dozens of college campuses throughout the country and is truly *hurting* young people. Anyway, this group, which is a non-profit, apparently thinks it's acceptable to withold its governing documents from the public. As a non-profit, they can't do this and maintain their tax-free status. I told them this, and they agreed to provide the documents to me, but refuse to e-mail or fax the documents. They insist on a mailing address. Hence, my dilema. Any ideas?
  7. I thought you guys would get a kick out of the latest incarnation of operation "laundry disaster." When DH got home last night, I made him promise to fix the washing machine (which he did- it took less than 15 minutes to install the $5 piece of pvc needed to stop the endless drain and refill cycle) and clean up the 2 inches of standing water in the laundry area. I also made him promise to quit taking "short cuts" on his diy projects. I got him to agree to that, but only after I told him that if he didn't, I would light a match to this place (metaphorically speaking, of course). Anyhoo, do you think he cleaned up the mess? How 'bout hell no. DH thought it would be a nice surprise to install the laundry sink he bought for me last year. Of course, trying to install a cheap, particle board piece of furniture that's been wicking up laundry water all day is a bad idea. He totally obliterated one side of the cabinet. He tried to fix the catastrophic break in the particle board with caulk. DH really believed that the "fix" he came up with would hold an enormous laundry sink full of water. So I made him fill it up. Crash and burn. Water all over the floor. Now, do you think he's cleaned up THAT mess?! See above (how 'bout hell no). I'm writing a letter to the NC Board of Engineers. I think they should know that their licensed, professional engineers aren't meeting the high standards they expect. Somebody please rescue me. I CAN'T TAKE IT ANYMORE!!!! AGGGGGHHHHH!
  8. How about another DIY adventure. This one took place about a week ago (see why I'm going nuts?!). We live in a home built in the late 1930s. So we have an oil burning furnace, and a separate central air system (the central air was at least 25 years old). We knew it would go out, and decided we'd just ride it out until it busted, and then replace it. It broke the beginning of May. So we lived a month and a half or so with no a/c. It wasn't bad- in fact it was quite pleasant. Anyhoo, we set out on replacing it. Now, dh is a pe (electrical engineer), and is very qualified to do the electrical work. We find a Trane compressor and air handler locally that somone is getting rid of for $100. DH installs it, does all the wiring, installs new thermostat, and generally does a great job. Except that he had to install a new refrigerant line. I don't know what possessed him to think that he was capable of bending 3/4 inch copper pipe with his bare hands, but I do know that he spent two nights without sleep trying to do so. So...he finally gets it all installed, and we turn it on. The unit definitely works, is the right size, is blowing cold air, etc., but no cool air is getting into the living area of the house. I go investigate myself. We had to install about 8 feet of new ductwork for this unit. We have metal ductwork (which needs to be custom fabricated). Of course, dh couldn't trouble himself to get that done, so he got something from Lowes he thought would work. Suffice to say, he didn't seal any joints, and did such a lousy job with it, he might as well have used a tube sock to get the cold air from the air handler into the main ductwork. OMG. I should have taken pictures. It was that bad. Hey, but it works now (giggle).
  9. Tim Allen, no. But my husband's name is Tim. Mason- I've been around! Mostly lurking and not posting much these days.
  10. I swear, I can't take it anymore. I love my husband, and he's good at lots of thing (including many diy projects). BUT GOOD GOD, I'm about to explode over this most recent episode. It's not that he is bad at these projects, it's like he just refuses to do them the right way the first time. He'll spend tons of time doing it the wrong way, make a big mess (that he won't clean up), and then get around to actually fixing it and doing it the right way sometime months later. Most recently, we got a "new washing machine" (free off craigslist). DH hooks it up, but the drain pipe isn't working properly, causing the wash basin to constantly fill and refill without doing anything. Of course, when the washer is in the basement, and you start laundry and walk away, it's hours before you know there's a problem. DH represents that he's "fixed" this about a half dozen times. I estimate we've wasted about 1000 gallons of water this way. Yesterday I told him he had one more chance to fix it, and if it broke again, we were buying a new washing machine and having it professionally installed. This motivated him to go out and purchase the $5 (yes, 5 whole dollars) piece of pvc he actually needed to fix the problem in the first place (why he never did this before I don't know). Of course, he busts out the windshield of our car trying to get the pipe home (I'm really not kidding). Too small a space + too long a pipe = broken windshield. Then, to top it all off, he disconnected the plumbing to the washer without telling me. So I try to do a load of laundry I had been soaking (yes, I asked first and was assured it would be fine), and when I close the lid water comes rushing out all over the floor. I'm gonna kill him. I swear. How do you ladies deal with your diy inept husbands. I can't take it anymore! I called him to tell him what had happened, and he asked what I wanted him to do about it. Yeesh- how about FIX THE ^&*( WASHING MACHINE AND CLEAN UP THE MESS!!! Aggggh!!! I'm seriously gonna lose it. Please, somebody tell me some of their own "war stories." I need to know that it's not just my crazy husband that does this stuff.
  11. Poor thing! You hang in there. Don't sweat it, everybody has rough days sometime. I don't know anything about your situation, so pardon me if this is a stupid question....but is there anyway someone could give you a hand with the kids so you could relax? Soak in the tub, go see a movie, have drinks with the gal pals, anything that might help you feel a little better? Those times when you just get so wound up you can't calm back down, xanax is your friend.
  12. Please, Please PLEASE, my CB family, don't let me screw my kids up THAT way. I realize that if my kids AREN'T screwed up as adults, then I haven't done my job as a parent (hehehe), but I endeavor to ensure they don't grow up with entitlement issues. Honestly, I believe it's because they don't know they can really buy things used (as dumb as that sounds). They drive new cars because they need reliable transportation and they never figured out how to keep a used vehicle running/do simple repairs. And conspicuous consumption. I agree, it's sad that the first thing young people do is buy a new car, as if going without would really be the end of the world. It's sad that people buy a new furniture set at the bargain price of $50/month instead of buying cheap and paying cash. But what's really sad, is that young people don't realize how brainwashed they've been by advertising and marketing.
  13. You're under 30, aren't you? Yep, and I have two little ones of my own. And you'd better believe I'm counting down until they day they are no longer in my home. It'll make it MUCH easier to keep clean. I'd just like to take a moment to say what wonderful parents I had (they don't read here, but still). They prepared me well for the world, paid for my school, and have been wonderful grandparents to our kids. I never realized what a gift it was to have parents who paid for my education until I realized how many of my friends were working multiple jobs to get by, and/or were saddled with enormous loan expenses upon graduation. I'm exceedingly thankful that "student loan" is not a line item in my budget. Growing up, my parents actually made a list of things they wanted us to be able to do before we left home. I've never actually seen the list, but it went something like this: -Drive a nail. -Sew a straight seam. -Make spaghetti. -Stretch a dollar as far as it will go. -Do laundry. I have good parents.
  14. The point of raising a child is indeed to prepare them to function as an adult. The problem is the conditions adults/parents put on what "preparedness" entails. You don't get to demand your kids go to college, demand that they finance it themselves, harang them mercilessly about what a "good" job is and that they MUST have health insurance (even if they have to pay out the nose for it themselves), and then suddenly claim that it's unreasonable for your kid to move back in for awhile because they can't afford to pay rent in addition to their $800 a month student loan payment and $400 health insurance premium. If you want to throw your kid overboard at 18 with no strings attached, I don't think anyone has a problem with that. In fact, I completely agree that that's totally reasonable. What the author is trying to make clear to baby boomers with tunnel vision is that the environment now isn't like it was then. Real wages have shrunk, and new college grads have huge expenses that the boomers never had (in the way of student loan payments and health insurance premiums). The world has changed- if baby boomers want to kick their kids out at 18, that's fine. But it's unfair for them to make all kinds of crazy generalizations (like, "I went to college and then got a place on my own just fine!") when they didn't face anything approximating what their kids are facing today in the way of student loan payments and health insurance premiums.
  15. Not trying to start an argument here, just pointing out the obvious: Why are kids having to move back in with their parents?! Because they are up to their eyeballs in crazy student loans because those same parents didn't pay for their child's education. Like I said, not saying parents *should* pay, just pointing out what the author was pointing out, which is that the environment for graduates now is COMPLETELY different from the one that existed when the baby boomers entered the workforce. Like the author pointed out, the baby boomers overwhelmingly didn't have student loans to contend with and were able to get jobs that provided health insurance.

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