Delaware Debt Consolidation

The Fair Debt Collection Practices Act is the federal law that dictates how and when a debt collector may contact you. A debt collector may not call you before 8 a.m., after 9 p.m., or while you're at work if the collector knows that your employer doesn't approve of the calls. Collectors may not harass you, lie, or use unfair practices when they try to collect a debt. And they must honor a written request from you to stop further contact. ... [Read More]


    (c) immediately upon the entry of an order for relief, if the debtorhas authorized deductions from the debtor's employment compensation in repayment of anunsecured claim, or if the debtor's employment compensation is subject to an involuntarygarnishment, then upon the entry of an order for relief, notify the employer and theentity authorized to receive any voluntary deduction that such deduction shall cease as ofthe date of the entry of the order for relief. If the employer or the entity authorized toreceive a voluntary deduction is notified orally, the debtor shall send to the employerwithin three (3) days thereafter a written notice which includes photocopies of thepetition and that portion of the schedules listing the creditor receiving the deductions.If the debtor has authorized a deduction from the debtor's compensation for repayment of asecured claim which the debtor intends to reaffirm, or if the debtor's compensation issubject to garnishment for a debt not di ... [Read More]

34-42992
Between December 12, 1996 and January 7, 1997, AHERF distributed Delaware Valley audited financial statements and 1996 Disclosure Report to the public. Appropriately adjusting Delaware Valley's bad debt reserve would have, among other things, reduced its reported net income of $27 million before extraordinary item and change in accounting principle by approximately $40 million and similarly reduced its reported net accounts receivable figure of $253 million by approximately $40 million. Moreover, the management discussion and analysis ("MD&A") portion of the Disclosure Report implied that the $72.2 million increase in Delaware Valley accounts receivable during fiscal year 1996 was a temporary phenomenon that would resolve itself upon completion of Patient Billing department consolidation and conversion. In addition, the referenced patient accounts receivable figure, taken from the Delaware Valley balance sheet, should have represented amounts that, in the judgment of AHER ... [Read More]

FTC, California Attorney General Seek Halt to Illegal Spam Operation
Federal Trade Commission, and The People of the State of California, Plaintiffs, v. OPTIN GLOBAL, INC., a Delaware Corporation, also doing business as Vision Media Limited Corp., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; VISION MEDIA LIMITED CORP., a Commonwealth of Dominica Corporation, also doing business as Optin Global, Inc., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; RICK YANG, also known as Qing Kuang Yang, individually, and as principal and owner of Vision Media Limited Corp. and Optin Global, Inc.; and PEONIE PUI TING CHEN, individually, and as president of Optin Global, Inc.; Defendants., United States District Court, Northern District of California, San Francisco Division, ... [Read More]

Commission Actions for April 2005
Federal Trade Commission, and The People of the State of California, Plaintiffs, v. OPTIN GLOBAL, INC., a Delaware Corporation, also doing business as Vision Media Limited Corp., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; VISION MEDIA LIMITED CORP., a Commonwealth of Dominica Corporation, also doing business as Optin Global, Inc., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; RICK YANG, also known as Qing Kuang Yang, individually, and as principal and owner of Vision Media Limited Corp. and Optin Global, Inc.; and PEONIE PUI TING CHEN, individually, and as president of Optin Global, Inc.; Defendants., United States District Court, Northern District of California, San Francisco Division, ... [Read More]

CBT Step One Memo
14 Currently, CBOT membership interests include full memberships, associate memberships, Government Instruments Markets (“GIM”) memberships, Debt and Energy Market (“IDEM”) memberships and Commodity Options Market (“COM”) memberships. A full membership is defined by CBOT Rule 210.00 (Full member CBOE exercise privilege) and an associate membership is defined by CBOT Rule 211.00 (Associate Membership). See also infra notes 24 and 27 (comparing the voting and liquidation rights of current CBOT membership categories). ... [Read More]

FTC, States Give "No Credit" to Finance-related Scams In Latest Joint LawEnforcement Sweep
These defendants allegedly lured consumers with false promises that consumers would be able to eliminate all of their unsecured debt by paying off only a fraction of what the consumers actually owed. According to the FTC, the defendants told consumers that if the consumers made monthly payments to the defendants' debt negotiation program, the consumers would eliminate their debt and improve their credit rating. The defendants also told consumers to allow the defendants to handle all aspects of the debt negotiation. The FTC alleges that the defendants rarely contacted consumers' creditors, causing consumers to damage their credit ratings and accrue additional late fees and finance charges. (Complaint filed in the U.S. District Court, Central District of California, on August 19, 2002. Civil Action No. CV 02-6468 ABC (Ex); FTC File No. 022 3148.) ... [Read More]

Associates First Capital Corporation
According to the FTC's complaint, The Associates obtained its customers through a variety of means, including through direct mail offers that in some cases included "live checks," and the purchase of retail installment contracts from sellers of consumer goods. Once in The Associates' loan portfolio, customers were aggressively solicited to take out new loans and refinance their existing debts into a single debt consolidation loan, typically a home equity loan, a practice known as "flipping." ... [Read More]

About Us | HouseDemocrats.gov
In the 108th Congress, Rep. Carson is set to reintroduce the National Defense Rail Act, and to introduce legislation which would require credit bureaus to verify that any negative information about to be placed on a person's credit report is a fair and accurate before they do it. She will also be the sponsor of legislation that will regulate the Debt Consolidation Industry. ...

In 1990, Julia Carson successfully ran for election to the post of Center Township Trustee of Marion County. She did so against the advice of many who feared the political quagmire of a poor relief office that was $20 million in debt. However, Trustee Carson employed an aggressive workfare program and anti-fraud procedures to quickly erase the enormous debt while providing much needed emergency services to the poor of Indianapolis. Julia Carson's fiscal acumen and management skill lead her to being named for the second time as the Indianapolis Star's Woman of the Year. Her budget balancing feat earned bipartisan admiration, including that of Republican County Auditor John Von Arx, who said, "Julia Carson wrestled that monster to the ground." ... [Read More]

Federal Trade Commission, and The People of the State of California, Plaintiffs, v. OPTIN GLOBAL, INC., a Delaware Corporation, also doing business as Vision Media Limited Corp., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; VISION MEDIA LIMITED CORP., a Commonwealth of Dominica Corporation, also doing business as Optin Global, Inc., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; RICK YANG, also known as Qing Kuang Yang, individually, and as principal and owner of Vision Media Limited Corp. and Optin Global, Inc.; and PEONIE PUI TING CHEN, individually, and as president of Optin Global, Inc.; Defendants., United States District Court, Northern District of California, San Francisco Division
Federal Trade Commission, and The People of the State of California, Plaintiffs, v. OPTIN GLOBAL, INC., a Delaware Corporation, also doing business as Vision Media Limited Corp., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; VISION MEDIA LIMITED CORP., a Commonwealth of Dominica Corporation, also doing business as Optin Global, Inc., USA Lenders Network, USA Lenders, and USA Debt Consolidation Service; RICK YANG, also known as Qing Kuang Yang, individually, and as principal and owner of Vision Media Limited Corp. and Optin Global, Inc.; and PEONIE PUI TING CHEN, individually, and as president of Optin Global, Inc.; Defendants., United States District Court, Northern District of California, San Francisco Division ... [Read More]