4 debt collection practices that need to change

By Gerri Detweiler

Debt

(Photo credit: LendingMemo)

Major changes may be coming to the debt collection industry. The Consumer Financial Protection Bureau (CFPB) published an announcement asking for comments on issues facing consumers and the industry, while it prepares to develop new rules around debt collection practices.

This is a big deal — perhaps the biggest news since the Fair Debt Collection Practices Act went into law in 1977.

And more importantly, it’s a chance for consumers like you who are dealing with debt collectors to weigh in.

The stories we’ve published about debt collection on the Credit.com blog have been among the most popular with our readers, generating hundreds of questions and comments ranging from readers who don’t owe a penny but can’t stop collection calls coming in for the wrong person, to those who don’t have a penny to spare but are being hauled into court for old debts.

Based on comments from our readers, I picked a few recurring complaints and created a wish list of changes I’d like to see the CFPB address. We plan to share these with regulators, so feel free to weigh in using the comments section below if you have something you’d like to add. And the CFPB also invites you to submit your comments to them as well.

Collection calls for the wrong person

The CFPB says it is concerned that debt collectors may try to collect money for debts from the wrong consumers.

We agree, and believe consumers should be given tools to prevent multiple (and often ongoing) calls for the wrong person. I previously shared how when my daughter got her first cellphone at the age of 11, it rang constantly with calls from collectors trying to reach the person who previously held that number. It’s now some four years later, and the calls persist, albeit less frequently, despite our repeated request to collectors to have them remove her number from their databases.

Read More 4 debt collection practices that need to change – – MSN Money.

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Nelson Mandela vs. his hagiography

By Benjamin Fogel

Nelson Mandela silhouette

Nelson Mandela silhouette (Photo credit: HelenSTB)

In the course of his lifetime, Nelson Mandela saw his elevation in the West from terrorist to secular sainthood. The world’s media continues churning out headline after headline on his life and legacy, remembering him as one of the exemplary moral figures of the 20th century alongside the likes of Gandhi and Martin Luther King.

Mandela is lauded as a hero by everyone from Lindsey Lohan to ex-apartheid apologists like British Prime Minister David Cameron. Yet he wasn’t a pacifist, a tame advocate of nonviolence, an non-ideological figure of singular moral righteousness. He was an exemplary revolutionary, fueled by political commitment.

Yet while Mandela was certainly a “great historical figure,” too many of the obituaries and tributes published so far have been unable to move beyond hagiography or platitude. Far too little critical reflection on his actual political legacy or analysis of the nature and dangers of the Mandela mythologies has been written so far. The image of a progressive “rainbow nation” generally on the right track invoked in many of these pieces bares little relation to the actual social realities of post-apartheid South Africa.

The truth is that in South Africa much of what constituted apartheid still exists, enforced no longer through the laws, decrees and brute force of the state, but by new forms which reproduce themselves through the market. It from this basis that an honest assessment of Mandela’s legacy must begin. But in order to do this, one needs to separate Mandela the myth from the actual Mandela.

There were really two Mandelas. The first is that of the revolutionary, the lawyer, the politician, flaws and all. The second is a sanitized myth: the father of the nation, the global icon beloved by everyone from the purveyors of global humanitarian platitudes to even the erstwhile enemies of the African National Congress. This Mandela is removed of his humanity and touted as an abstract signifier of moral righteousness.

The first Mandela was willing, along with tens of thousands of others, to lay down his life in the struggle against a racist system. He was a lifelong anti-imperialist who never hesitated to stand up to the US on matters of foreign policy, and never ceased in his solidarity with the Palestinian struggle or with countries like Cuba who stood as allies in the struggle against apartheid.

Read More Nelson Mandela vs. his hagiography – Salon.com.

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Bill Moyers and Michelle Alexander on the Racist Plague of Mass Incarceration and America’s Future

By Bill Moyers and Michelle Alexander

prison_barsThere are more African Americans under correctional control today ̶ in prison or jail, on probation or parole ̶ than were enslaved in 1850, a decade before the Civil War began. According to The Sentencing Project, an advocacy group dedicated to changing how we think about crime and punishment, “More than 60 percent of the people in prison are now racial and ethnic minorities. For black males in their thirties, one in every ten is in prison or jail on any given day.”

Because of the 40-year war on drugs and get tough sentencing policies, the American prison population has exploded from about 300,000 in the 1970’s to more than 2 million today. The United States has a higher rate of incarceration than any other nation and spends billions every year to keep people behind bars. The cost on democracy is immeasurable.

This week on Moyers & Company, Bill Moyers speaks with civil rights lawyer and legal scholar Michelle Alexander. Her book The New Jim Crow: Mass Incarceration in the Age of Colorblindness had just been published last time she joined Bill in conversation, three and a half years ago. It’s a work of scholarship that lays out how the war on drugs, harsh mandatory minimum sentencing and racism have converged to create a caste system in this country very much like the one under Jim Crow segregation laws. The book became a bestseller and spurred a wide conversation about justice and inequality in America – inspiring one reviewer to call it “the bible of a social movement.”

Read More Bill Moyers and Michelle Alexander on the Racist Plague of Mass Incarceration and America’s Future | Alternet.

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Working Together on Behalf of the American People

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Affirmation

Capture (2)

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Britney Spears – Perfume

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Robin Thicke – Feel Good

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Candice Glover – Cried

New material from the American Idol (US) winner!! Nice!!

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Soulbrother’s Christmas Soul Jam IV

7240334670_ffa5592f16_zWe are in the season of joy, blessings, and giving as we rush about. Enjoy this playlist with your family and friends. Merry Christmas, Happy Kwanzaa, and Happy New Year!!

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Black Women and the Body Police

By Ayana Byrd

untitledWhen “12 Years a Slave” was released in October, Time magazine wanted to go that extra step. Instead of a review or a 300-word treatise on how this was the hardest and the best film they had ever seen, the publication decided to get tough in an online piece called “The True Story of ‘12 Years a Slave.’” It promised to “break down what’s fact—and fiction—in the new movie about slavery in the antebellum South.” And so writer Eliana Docterman did just that, summarizing key plot points and labeling them as “fiction,” “fact” or “mostly fact” based on the memoir written by Solomon Northup. Only two moments are written off as fiction, one involving the cause of death of another man on the ship that took Northup to the South (he did die, but not in the way the film said). The other fictional flight of fancy, according to Time, was the plantation owner’s wife’s violence against an enslaved woman Patsy.

In actuality, Northup did detail this abuse in his book; it was not added by screenwriters who wanted to garner more sympathy for Patsy or outrage against Mary Epps. And yet, even though all they had to do was flip through the pages of the memoir, Time instead implied that in real life the body of a (black) woman would not be enough of a threat to drive this (white) woman to violence. Ignoring commenters who let them know—repeatedly—that they were wrong, the site did not add an update or correction to the article. Patsy’s abuse at the hands of the wife of the man who owned her by law and raped her without remorse is still officially listed as “fiction.”

It is a fitting reminder of the continued collusion of the mainstream media and other sources to label the crimes visited upon black women’s bodies as either “fiction” (because, the argument goes, she was being too sensitive) or “mostly fiction” (she was exaggerating, it wasn’t that bad) or, in a category Time could have also used, “legally justifiable.”

In years past, a look back on the ways black women and girls’ bodies were misused and assaulted would be able to focus heavily on pop culture. And while 2013 is not without its examples, they are far from the real problem. Miley Cyrus’s video and MTV Awards performance of “We Can’t Stop” were poorly choreographed reminders of the music industry’s shameless dependence on black female bodies to sell records and get much-desired street cred. And Lily Allen’s “Hard Out Here” video is guilty of an astounding lack of introspection. The clip, which satirizes Robin Thicke’s “Blurred Lines” and Cyrus’s “We Can’t Stop,” doesn’t account for the fact that it is not ethical or even ironic hipster cool to critique men’s sexist treatment of women while using ass-shaking, crotch-grabbing black women as props. But neither Cyrus nor Allen was original, as much as they both believe themselves to be. And at the end of the day, their dancers went home with a check and the rest of us could focus on the real issue at hand: how 2013 emphasized how black women’s bodies are becoming synonymous with danger that must be stopped or controlled.

Read More Black Women and the Body Police – COLORLINES.

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