What Happens If a Collection Agency Can't Find You?

actually there are many answers to this question.first if they are just collecting on behalf of another like a bank then they can do nothing.second, if they have purchased the debt and can not find you and have tried they can do what the courts call public notice. where they put an ad in the paper telling of the impending court date and then go to court and sue you and get a default judgmentthird if they bought it from another collector then theY are out of lucknow all of this is negated if the debt is past the statute of limitations in your state. then they have nothing and you are pretty much Scott free.'

1. What is the most inappropriate experience you had with a debt collection agency?

My Stepdaughter passed away at 22 due to complications from her Type 1 Diabetes. She had massive medical bills. We had insurance, but it only covered parts. So, let's start by being harassed by a debt collector calling about someone that had passed away. When the bills started coming I called all the companies. 99% only asked me to send a copy of the death certificate. But, this one company, well, they were total slime balls. The odd part was this was on a bill that was actually paid by the insurance in full. So, on the first call from them I sent them copies of the paid in full notices, and a copy of the death certificate.A year went by, and I got a call from them again on the same bill. I told them about their error, even sent a copy of the registered mail signed copy. Week later, another call. This time I was hot. Gave them an ear full. A month later, same thing. This time, the asshat actually said they do not believe she is dead. Wanted to know how to reach her so they can sue her for the money. I gave them the address to the cemetery. A month went by, another call. Same thing: we do not believe you, etc. So, I said, Do what you got to do. And believe it or not, they actually sued her. I went to the office of the lawyer, with my lawyer, and a counterclaim on behalf of the estate. The lawyer wanted to drop everything right then. But, we took it to court. We made them play the recording of the agent telling me that they refused to believe she was dead. The Judge dropped the hammer on them. We won a $30,000 donation in her name to the American diabetes Association

2. Can a collection agency refuse a settlement offer?

When you get back into court, tell the judge what you have found and bring in the proof, tell him that you also made an offer to settle and that it included 100% of what you owed and the collection fees. The offer was refused because they think that you will just pay up before it gets to court. I would not do this, I would let it proceed through the court system and if you have an attorney you might be able to collect those costs as well. How much a collection agency pays for a debt does not really make any difference, the fact is that the money is owed. In some cases collection agencies only act as a agent and then they get 50% of everything that is collected. The judge may decide that you have made an honest attempt and then dismiss the case, if he does this if it is not clear that he stated "with prejudice" ask him if it is dismissed with or without prejudice. A cast that has been dismissed WITH prejudice can not be brought back before the court.

3. After a credit card is charged off and sent to a collection agency, can you still settle with the CC company?

You have to settle with the collection agency

4. Collection Agency sending letter for a debt on a credit card they say I never made payment on since '95?

This debt is way outside the statute of limitations for all 50 states...it is also past the allowable 7-year reporting cycle on credit reports....so they can not place this on your credit file . This is ancient, time-barred debt....because of this, the collection agency is powerless over you....other than trying to scare/annoy you into paying. Technically, a debt collector can come after you forever for defaulted debt...however, once the statute of limitations is up...they've lost the power to successfully take legal action. Per the Fair Debt Collection Practices Act, you can send them a "cease communications" letter and that will be all that you need to do. Per this law they must cease collection activity. Send the collection agency a letter via Certified Mail Return Receipt (NOT regular mail) stating: Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. This letter has been mailed via Certified Mail with Return Receipt. Receipt of this letter is being officially time stamped. ========================== * Do not sign your signature on any document that you mail to a debt collector. It could end up on a forged document that can be used against you. Simply type your full name. If the debt collector calls back, tell them that you have officially sent a certified letter to them to cease communications with you per the Fair Debt Collection Practices Act. DO NOT pay one penny on this debt...if you do you will instantly reset the statute of limitations.

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Knowledge About Collection Agency,Career of Collection Agency
Career of collection agencyWilliams spent nine years with McKinsey & Company, where her assignments included projects in London and Dar es Salaam, Tanzania. After completing her MBA at Harvard Business School, she joined Mitchell Hutchins, Inc., as a securities analyst. She served five years as Contributing Editor of Institutional Investor magazine.From 1991 to 2001, Dr. Williams served as Director of Special Projects for Alliance Capital Management, where she was also a member of the Board of Directors.In 1999, White Williams ran unsuccessfully for the New York City City Council in District 4.Since 2001, Dr. Williams has worked as a full-time writer and researcher. Her articles have appeared in business periodicals and art journals, including American Artist, Business and Society, Financial Analysts Journal, Journal of the Print World, Mystery Readers Journal, Print Collectors Newsletter, Print Quarterly, South Magazine, and The Tamarind Papers.NovelsRestrike, the first novel in the Coleman and Dinah Green series, was published in 2013 by Delos, the fiction imprint of Axios Press and was reissued in 2014 by The Story Plant.Fatal Impressions, the second in the series, was published in April, 2014 by The Story Plant.Angels, a prequel to the series, was published in December, 2014.Bloody Royal Prints was published in July, 2015 by Tyrus Books.Print collectingIn 1975, Reba White Williams and Dave H. Williams began to collect American fine-art prints, focusing on the first half of the twentieth century. Over the next 33 years, utilizing Williams's research skills, they built a collection of more than 5,000 prints. Between 1987 and 2009, the Williamses organized, researched and oversaw the circulation of 18 exhibitions from the collection that traveled to more than 100 museums in the United States, Canada, Mexico, Europe, and Japan.The Williamses created the Print Research Foundation in 1994 as a research and study facility on American prints. In December 2008, Reba and Dave Williams donated their American print collection of more than 5,200 works and the Print Research Foundation and its facilities (the building, library, and archives) to the National Gallery of Art. The collection was described as "unrivaled in scope," and Gallery Director Earl A. Powell III called it "a transformational acquisition".The annual Reba and Dave Williams Prize was created in 1993 for outstanding essays on American printmaking, as judged by the Editor and Editorial Board of Print Quarterly. The prize was last awarded in 2006. The couple also funded the documentary All About Prints, which aired on PBS stations in 2009.Willie Morris Award for Southern FictionSince 2007, Reba White Williams and Dave H. Williams have sponsored the Willie Morris Award for Southern Fiction, named after the journalist and author Willie Morris. The award is given to a novel set in one of the original eleven Confederate States of America that reflects the spirit of Morris's work and stands out for the quality of its prose, its originality, its sense of place and period, and the appeal of its characters.An independent panel of judges votes on the award from books submitted for consideration. Recipients of the award include:2007: The King of Colored Town by Darryl Wimberley2008: City of Refuge by Tom Piazza2009: Secret Keepers by Mindy Friddle2010: Crooked Letter, Crooked Letter by Tom Franklin2011: If Jack's In Love by Stephen Wetta2012: A Short Time to Stay Here by Terry Roberts2013: Nowhere But Home by Liza Palmer2014: Long Man by Amy Greene2015: The Headmaster's Darlings: A Mountain Brook Novel by Katherine Clark With Special Recognition awarded to Sarah Addison Allen2016: Last Ride to Graceland by Kim WrightHonors and awardsWilliams has served on the Print Committees of The Boston Museum of Fine Arts, The Metropolitan Museum of Art, The Museum of Modern Art, and The Whitney Museum. She served on the Editorial Board of Print Quarterly, and was named an Honorary Keeper of American Prints by the Fitzwilliam Museum at Cambridge University. Williams also served as President of the New York City Art Commission, and as Vice Chairman of the New York State Council on the Arts.She has also received awards including:1988: The Augustus Graham Medal, presented on behalf of the Brooklyn Museum of Art Board of Trustees, for outstanding support of the arts1997: The Polish Order of Merit, Cavalier of the Grand Cross of Poland, First Class, honoring contributions to the financial industry in Poland2000: Swan Award for lifetime achievement for furthering the arts both nationally and internationally, Cheekwood Museum2000: Pratt Institute, Pratt Legend2001: Gold Medal Award from the Queen Sofia Spanish Institute2016: Honorary Degree from The Graduate Center, CUNY------Inspection and guardianship of Rights Procedures of collection agencySpanish Agency for Data Protection (AEPD)Year 2012In 2012 complaints filed with the AEPD, increased by 12%. The activity of the Agency has grown significantly in 2012, with an increase of 15% in the files registered and almost 40% in the resolutions issued. The allegations of identity theft, especially in the supply and commercialization of energy and water (222%) and in telecommunications (92%), have experienced a substantial increase. Of the 863 infringement decisions declared to private managers, more than 34% concluded in a warning, without imposing a penalty. On the other hand, most of the sanctions affect the telecommunications sector, which represents 73% of the total. Three of the main operators accumulate 70.94% of the total amount of fines.Year 2011In 2011, reported complaints were 51.6% higher than those filed in 2010. This increase is also reflected in the increase in declaratory resolutions of infringement of 37.7%. However, the application of the figure of the warning has determined a decrease of 14.5% in the declared economic sanctions. The sector where sanctions have increased most (64%) and have been declared to a greater extent (25.5%) and amount, (63%) is that of telecommunications. The amount of sanctions has grown by 12% compared to 2010.Year 2009In 2009 they increased by more than 75% of the complaints received, which reached the figure of 4,136, and the number of requests for protection of rights, by 58%. 709 sanctioning procedures were resolved, of which 621 ended with sanction with a total amount of 24.8 million euros.Source: Memory of the Spanish Agency for Data Protection (AEPD) for the years 2007, 2008, 2009.Year 2008In 2008 the number of facts reported to the AEPD (together with officio investigations initiated) increased by more than 45%, reaching the value of 2362. AEPD resolved in 2008 a total of 630 sanctioning procedures, almost 58% more than in 2007, of which 535 culminated with the imposition of sanctions. The fines imposed amounted to 22.6 million euros, representing an increase of 15% over the previous year.The number of procedures solved of declarations of infraction committed by the public administrations rose in 2008 almost 20% with respect to the previous year, going from 66 to 79, of which 59 ended with a declaration of infraction.Year 2007In 2007 the Spanish Agency for Data Protection resolved 399 sanctioning procedures, increasing by 32.5% with respect to the previous year. The economic sanctions imposed by the AEPD amounted to 19600000 euros.Autonomous data protection agenciesYear 2007The Data Protection Agency of the Community of Madrid carried out 196 inspection procedures and 32 procedures for the protection of rights in 2007.The Basque Data Protection Agency-Datuak Babesteko Euskal Bulegoa (AVDP-DBEB), resolved 43 complaints and 18 infringement procedures in 2007.Ibero-American Data Protection NetworkThe Ibero-American Data Protection Network (RIPD), since its creation in 2003, has developed an intense and fruitful work, such as the organization of ten meetings. In addition to contributing to that more than 150 million Latin American citizens currently have, along with the traditional protection of habeas data, rules that allow to effectively guarantee the use of their personal information and specialized authorities with powers to protect said guarantee.In Latin America policies are being developed for the protection of personal data. In 2012 two new laws were approved. In Nicaragua, Law No. 787 of Protection of Personal Data, of March 29, 2012 and Statutory Law No. 1581 of October 17, 2012, by which general provisions for the Protection of Personal Data are issued.In Chile, also Law 19.628, of August 28, 1999, on Protection of Private Life, is currently in the process of reviewing part of its articles.The National Assembly of Venezuela is processing the bill for the Protection of Personal Data of Habeas Data. And in Costa Rica there is already a Data Protection Agency of the Republic of Costa Rica, in compliance with the law approved in 2011.------Types of collection agencyAs cinderella stamps are defined by what they are not, there are many different types and the term is usually construed fairly loosely. Items normally regarded as falling within the area are poster stamps, propaganda labels, commemorative stickers, stamps issued by non-recognised countries or governments, charity labels like Christmas seals and Easter seals, most telegraph stamps, some railway stamps, some local stamps and purely decorative items created for advertising or amusement.Revenue stamps may be considered cinderellas, but as they are normally issued by an official government agency, they tend to be classified separately. Some telegraph, railway and other stamps may also be issued by government agencies but still fall under the cinderella umbrella since they are not for postal purposes.Local stampsLocal stamps have a long history and began to be issued soon after the invention of the postage stamp. Zemstvo stamps were issued in rural areas of the Russian Empire (c. 18601917), and local stamps have been issued in many other countries. Many local stamps performed a genuine postal function where the national post was lacking. Other locals, however, amount to nothing more than colourful labels.In the United Kingdom many local carriage labels have been issued by offshore islands, which in some cases had a genuine use to pay for transport of the mail to the mainland by ferry. Others were produced simply to sell to collectors and tourists. Usually they had to be placed on the back of the envelope, with a conventional stamp on the front to pay for onward delivery by the official postal service. Islands for which such labels have been issued include the Summer Isles, Lundy and the Calf of Man.Hotel stamps may also be regarded as a form of local stamp.Political and propaganda stampsWhile it is common to find patriotic sentiments on official stamps, the term propaganda stamp is usually used to mean unofficial stamps produced to promote a particular ideology, or to create confusion within an enemy state. Stamps with encouraging slogans have been attached to letters for prisoners of war, or troops serving abroad.Sometimes stamps are issued by breakaway governments, governments in exile or micronations in order to give themselves greater legitimacy; however, these stamps usually have no postal validity and are therefore cinderella items. The Indian National Army (Azad Hind) produced ten stamps as part of their campaign.From 1951 to 1966, UNESCO issued a series of 41 "gift stamps". Considered to be cinderellas, they were produced to raise money for the organization. The series is unusual in being an international cooperative effort. Most are readily available from specialized dealers.Illustrator and anarchist Clifford Harper, whose family had an occupational history in the postal service, designed stamps "for post-revolutionary post" bearing the image of anarchist figures such as Pierre-Joseph Proudhon ("property is theft"), Oscar Wilde, Emma Goldman and Emiliano Zapata. Colin Ward, along with Harper, published a book in 1997 called Stamps: Designs For Anarchist Postage Stamps, containing an essay by Ward on the subject of anarchists and postage stamps. Fund-raising stamps with anti-state messages have appeared within labor unions such as the ones printed by the Confederacin Nacional del Trabajo, and the Industrial Workers of the World.The Jewish National Fund had been publishing its own stamps since 1901, promoting the ideology of Zionism - see .Non-official railway stampsIn the United Kingdom, the railway letter service, a special facility offered by most British railway companies since 1891, produced a great variety of stamps and labels, which were originally an official requirement of the service. Current officially licensed Heritage railway-operated services include the Festiniog Railway Letter Service. United Kingdom railway letter stamps almost always specify a fee (often, even in Victorian times, priced higher than the current postage fee, which additionally had to be paid with regular postage stamps) for the use of this official and once-important British postal facility.
My Name Spelled Wrong on Files That Will Be Sent to Collection Agency? Can I still Get Charged?
Yes, you still owe. Misspelling your name does not waive your liability. Even if you dropped out of the class, you still owe the fee. Pay the $170 before it goes on your credit file. This would take a huge bite out of your score. You will have to pay higher interest rates on credit cards or other loans, your car insurance will cost more, and you might not be considered for some jobs. Just make sure you get a written settlement agreement and do not give the collection agency direct access to your bank account. Ask for a delete for pay -- you pay and they do not put it on your credit.1. Is Tri-Financial & Assoc a legitimate collection agency?What type of debt is this? Unless it is something like parking or traffic tickets, the county clerk would not be involved in collection this debt. Sure, they could file a lawsuit and have you served, but for $300 that is highly unlikely. So they doubled your balance, effectively. Demand to see proof that they have legal standing to do that. Chances are, they do not and once you challenge them on that, they will "waive" that $300 as "a courtesy." $50 a month would have this debt paid off in 6 months, which is pretty reasonable. Keep documents showing your attempts to settle this debt, as that would work in your favor in the small chance this goes to court. Any other questions, feel free to email me.2. can a debt collection agency find him (anon) even though he's changed name, address and bank accounts?Safe? Tell the deadbeat to pay his bills3. Collection agency responded to pay-to-delete letter saying it is a "violation of the Fair Credit Reporting Act?6 years old over $56? These are both strange, why would someone let their credit haunt them over $56 and why would you bother paying it when you've only got a year until it's gone. Do not pay it, you will just start the clock again. I am betting you are dealing with a collections agency. Only the original credit issuer can delete a negative mark as they are the ones that put it there.4. Can creditor erase bad credit if I settle with the collection agency?Nothing can fix your credit report, including paying it. The thing to check is if you are original credit card is being updated. If it's not, you could call the CRA and launch an investigation, then do the same for the collection agency. If it's only $274 and represents a fraction of the original then probably it's worth it to 'make it go away.' Then in 6 months to a year, call, request an investigation on your credit report, tell them you do not recognize the account and there's a good chance it will just be removed5. Can you sue a collection agency for Harrassment?If you can prove that you satisfied the debt, then you might have a case. I would talk to a lawyer and take them to district court, though. I would think that they would stop calling you at work upon request, but I dont think they have to6. What is the most inappropriate experience you had with a debt collection agency?I also work in poverty relief and had a lot of experiences with debt collector agencies... Some work legal like they should, some will use illegal methods to get money from an already broke clint...When that happens, I always file complaints and start procecuting them... Taste of their own medecine... They do not like it ( I often win) but I think it's one of the most rewarding aspects of my work; I hate misuse of power...7. Fair amount to offer collection agency as lump sum payment?Offer whatever you like. See what they say. Keep in mind though that anything less than 100% will have two impacts. First your credit rating will be screwed for years. Second, any forgiven debt will become income to you and you will pay federal and state taxes on it at your marginal rate. A debt that you will be less likely to wind your way out of. All in all, better to pay off that debt. Good luck
Apartment Complex Sent Me to a Collection Agency?
Just throw the letter from the collection agency in the trash. You do not owe the collection agency any money. They will send a few more bills saying they will take you to court. They wo not . Just ignore them.1. collection agencies after my parents?It sounds like you never gave your creditors your new address. What did you think would happen?2. What are fun things to do during the summer?Go to a museum Plant something Go to the beach and collect seashells Have a collection (Seashells,rocks,buttons,souvenirs) Go swimming or water balloon fight with your brothers Adopt a bunny / dog / cat / insect / turtle / ETC. Visit a national park or the mountains Go to an amusement park and ride ALL the rides Become a photographer Build a scrapbook of your summer Record your day Go outside and find 10 different plants Go swimming Rock climbing Go to the library and research your interests Volunteer at an animal shelter Build a fort Cook a new food you will like Go to a camp Star gaze in your backyard Pick wild flowers and ding dong ditch and leave the flowers in front of the door Have a lemonade / smoothie stand Go on a ghost hunt Go to the thrift store and buy stuff Write a novel or a short story Play soccer with your brothers on the mud Get your ears pierced double time Do really epic chalk drawing on people's sidewalks Laser tag Make your own soap Tie dye your white T shirt Run a mile Bike a mile Make your own ice cream Lounge on a hammock Catch fire flies Catch bees / flies Make your own pizza Pick fruits Make a world record Go to a concert and have an autograph Float down a river with a kiddie tube Run through sprinklers Teach / Learn a new language or make your own Ride with a shark Start a garden Build a hole in your backyard and put water and fishes and fish with your stick with string rod Explore a cave Make a scrap book on what you did Record yourself on an adventure Record a comedy film Try skateboarding Volunteer for a charity Go to a free event community Start a diary of your day Make a slushie Tan yourself Do the reject / shuffle A trip to the world with your families Bonfire and roast marshmallows Find a new plant in a jungle Babysit and make money Make the longest picture in the world Have a book collection Become a vampire Make a sock puppet Make a teddy bear Knit something Do a headstand Build yourself an obstacle course Meet a person and make friends Visit a zoo Go outside and identify / find 10 different plants Go hyper / crazy on your lawn Surf Make a zombie Learn what interests you most Ride on a horse Be proud of yourself that you did ALL these plans I've gave you3. dale earnhardt gold card collection?Mann I got 5 of those and I thought they were worth a lot. I was very very disappointed when I found out how much they were. They cost like 8 bucks4. If schizophrenia is a collection of illness, then is it a spectrum disorder?Have you noticed that autism spectrum trates in language and SPD dyspraxia dislex magical thinking OCD ritual behavior mania chronic depression any 3 to 4 of these if you trace it back to the system affiliated and or the sensory system endocrine glands both can be liked to the brain by following the nervous system either from the organ or sensory system they say that the lock and key for smells ar baced on not only cemical but bio vibrational contex i think there's a like serotonin context vibration that transfers between the cemical nervous system and the limbic system/cortex system and pre progamed amygdala/hippocampus electro cemical transmitters vibration ad context the implications of the factors when dealing with synthetic cemical transmitters are of you take meds and feel numb emotional numb well thats might just reson5. Proving a collection of subsets is a basisFrom the definition, to prove that $mathfrakB_a$ is a basis for the neighborhood system of $a$, you must prove that for any neighborhood $N$ of $a$, you can find an element of $B in mathfrakB_a$ such that $B subseteq N$. Note that you do not get to choose what $N$ is, the proof has to work for all possible neighborhoods $N$.For example, to prove (a) is a basis for the neighborhood system at $a$, you would need to show that for an arbitrary neighborhood $N$ of $a$, there exists some $epsilon>0$ such that $[aepsilon,aepsilon] subseteq N$. Hint:The proof for (b) is very similar to the proof for (a).For the second problem, start with an arbitrary finite collection of neighborhoods $mathfrakB_a$, and show that there exists a neighborhood $N$ that does not contain any member of the collection. Hint:
What Happens When a Collection Agency Fails to Collect the Money That Is Owed on Behalf of the Credi
Generally when one credit agency can not collect they will pass it on to another. They were just trying to scare you into paying it1. Collection agency threatening legal action. Will they sue?No one will sue you over $200. Eventually the the person you owe the debt to will write it off and sell it for a fraction of what you owe to a debt collector. Businesses weigh the amount owed against the cost of bringing a lawsuit when determining whether or not it is worth the hassle.2. My dad owes $17,000 in UCLA hospital bills and is being threatened with collection action. He lives in Spain and this happened when he was visiting. What happens if he doesn't pay? Can the collection agency go to Spain?First of all, no, the collection agency cannot go to Spain unless they are licensed there. Secondly, if it is a collection agency, it has no standing to do anything in Spain (or anyplace else). Unless the debt has been sold, only the original creditor can hire an attorney. Collection agencies (again, unless they own they debt) cannot sue you - in Spain or anyplace else. Third it is highly unlikely that the original creditor (UCLA) would go incur the costs of a Spanish attorney to go after a debt that they may or may not ever recover on.The only economically viable alternative would be for UCLA to sue your father in California - and yes California courts will have jurisdiction over him since he incurred the bills there), and then try to domesticate the judgment in Spain, if and ONLY if Spain would recognize and register a foreign judgment. Bottom line - highly unlikely that your father has anything to worry about3. Collection Agency wont send a letter saying they will report as paid in full?Frankly, it really makes very little difference whether it's reported as 'setttled' or 'paid in full'. Neither will improve your credit score. In fact, your score will initially decrease. When you pay old debt, it becomes a current transaction and counts more in your score calculation, including the negative stuff. However, creditors do look at your whole credit report, not just your score. Paid old debt is only VERY slightly better than settled old debt. Both are better than unpaid old debt. Before you pay, get the settlement agreement in writing, specifically that they are accepting $1475 as full settlement. You do not want them selling the balance off to another collection agency who will come after you for the rest. Keep that agreement, along with your payment proof, forever. Do not give the collector direct access to your bank account.4. Collection agency calling numerous times and i'm making payments?Did you get that payment plan in writing? Since you defaulted, the whole amount is due. The collection agency does not have to accept whatever small payment you want to send. There is no such thing as "good faith" payments. They can take your small payments and continue to call or even sue you. If you want the calls to stop, you are going to have to negotiate a payment plan the collection agency will agree to. Get it in writing. The collection agency will likely expect payoff within 6 months. They do not want to carry accounts for years.5. What happens if I dont pay a collection agency?Are you saying that they overpaid you in vacation time? Were you actually working your normal schedule during the period they paid you the extra erroneous vacation? If so, it sounds like contributory negligence; you have not paid them back, but they caused their own harm with crappy record keeping.6. If a collection agency doesn't want to agree to a pay for delete agreement?NEVER talk to a collection agency on the phone. Period. Get your terms in writing before you even open your checkbook. Here is a sample of an agreement requesting the reduction of your debt amount. Never expect a creditor to meet an agreement that was made verbally. Everything must be in writing and, even then, you will probably have to fight to make the creditor live up to his end of the bargain. Keep good records. This can be the difference between a good and bad settlement. Do not expect them to remember you or what you agreed upon. Send all correspondence via registered mail, receipt requested(about $3-$4 a letter). Keep a copy of every letter you send. If you call (and why are you calling?), keep a log of when you spoke to the agencies, and who you spoke with. Ask for the name of the supervisor of the person you spoke to, as the turnover rate at collections agencies is high. Follow up all phone correspondence (again, why are you calling?) with a letter (registered, of course). Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. I've seen as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. Example: Recently, I talked to a guy who had his $5000 original debts balloon up to $11,000 in less than 3 years. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged.) If you consider the junk debt buyer paid 7 cents on the dollar or less, there is no way there is this much interest. Most companies would be thrilled to get you to pay the original debt even without the extra penalties they add on and will usually be more than agreeable in waiving these fees. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention. The longer the debt remains uncollected, the better your chances will be of getting a good settlement. Eventually, the creditor will consider the bad debt a loss in order to receive a corporate tax write-off. This does not necessarily mean that they wo not pursue you for the debt. The corporation may then collect on the debt themselves, sell or assign the debt to a collection agency, press for a judgment and garnishment, or temporarily ignore the debt. The course of action chosen by the creditor will vary widely between corporations and debts. Never look too eager to settle. Take plenty of time to reach an agreement. Never let it slip that you need to settle the debt because you are buying a home, car or anything else. If, for example, you tell a creditor that you really need to get this debt settled to get into your dream home, you can forget any kind of settlement. The creditor will insist on the full balance. Do not accept the first, or even second, settlement offer. Make sure that they are the ones calling you to push the deal forward. You cannot expect to reach an affordable settlement if the creditor thinks he has the upper hand.
Introduction to Collection Agency: Positions on Issues of Collection Agency
Positions on issues of collection agencySoto is seen as a defender of "conservative" Catholic values. In 2008, Soto spoke at a conference for the National Association of Catholic Diocesan Lesbian and Gay Ministries, saying that the "homosexual lifestyle" is sinful. Soto stated: "Sexual relations between people of the same sex can be alluring for homosexuals but it deviates from the true meaning of the act and distracts them from the true nature of love to which God has called us all. For this reason, it is sinful." In the same speech, Soto spoke against premarital sex stating: "Sexual intercourse, outside of the marriage covenant between a man and a woman, can be alluring and intoxicating but it will not lead to that liberating journey of true self-discovery and an authentic discovery of God. For that reason, it is sinful." Soto has lamented that contraception has become the unquestioned default mode of marriage.Bishop Soto has been a strong defender of immigrant rights; he encourages Catholics to read the Bible so as to better understand the churchs stance on immigration and its long-standing support for the rights of immigrants. Soto believes that comprehensive immigration reform, if done properly taking into account the concerns of all affected parties, would benefit the country as a whole.------Schlesinger Report of collection agencyThe Schlesinger Report, originally titled A Review of the Intelligence Community, was the product of a survey authorized by U.S. President Richard Nixon late in 1970. The objective of the survey was to identify and alleviate factors of ineffectiveness within the United States Intelligence Community (IC) organization, planning, and preparedness for future growth. The report, prepared by James Schlesinger, Deputy Director of the Office of Management and Budget (OMB), was submitted to Nixon on 10 March 1971.The survey was the first of the IC reform attempts to specifically address the growing technological capabilities of the IC and their impact on the collection process. The report highlighted two "disturbing phenomena" within the IC: an "impressive rise in ... size and cost" and the "apparent inability to achieve a commensurate improvement in the scope and overall quality of intelligence products." The report analyzed issues pertaining to organizational fragmentation, lack of interagency centralization, costly emerging technologies, duplication of collection and analysis, and institutional disorganization, and offered the administration several practical options for improving IC functions. Major recommendations included: creating a Director of National Intelligence (DNI), strengthening the role of the Director of Central Intelligence (DCI), and establishing an interagency coordinator for national intelligence functions.------Scope of collection agencyThree Mile Island Nuclear AccidentRecords pertaining to the Three Mile Island Nuclear Accident are part of the collection. Other documentation regarding the accident are housed in the Pennsylvania State Archives. The materials included in this section of the collection were from during and after the incident. Some of the materials contain annotated notes by Thornburgh and his staff. The types of materials in the files include, for example: memoranda, news clippings, news releases, correspondence, reports, topic background, wire stories from the early days of the accident, press statements and advisories, transcripts of news conferences, public statements by the Governor and others, reports on the future of nuclear energy, staff and cabinet notes and drafts, and emergency and evacuation plans.VideosVideos in the collection number 547 and span 1978-1991. Chronologically, they were recorded beginning with Thornburgh's campaign for governor in 1978 to his campaign for U.S. Senate in 1991. Over 70 videos are available for streaming from the collection. Archived content include: Governors Testimony before joint committees of US Senate regarding cleanup of Three Mile Island online October 20, 1981, Governor proposes cost-sharing plan for cleanup of Three Mile Island, July 9, 1981, WQED: Governor Thornburgh press conference, Scranton, Denton, Adamcik, 3 p.m., April 9, 1979 and others.News releasesNews releases related to events are also contained in the collection.------Requirements of collection agencyFast track designation is designed to aid in the development and expedite the review of drugs which show promise in treating a serious or life-threatening disease and address an unmet medical need.Serious Condition: Determining whether a disease is serious is a matter of judgment, but generally is based on whether the drug will affect such factors as survival, day-to-day functioning, or the likelihood that the disease, if left untreated, will progress from a less severe condition to a more serious one.Unmet Medical Need: For a drug to address an unmet medical need, the drug may be developed as a treatment or preventative measure for a disease that does not have a current therapy. The type of information necessary to demonstrate unmet medical need varies with the stage of drug development: early in development, nonclinical data, mechanistic rationale, or pharmacologic data will suffice; later in development, clinical data should be utilized. If there are existing therapies, a fast track eligible drug must show some advantage over available treatment, such as:Showing superior effectivenessAvoiding serious side effects of an available treatmentImproving the diagnosis of a serious disease where early diagnosis results in an improved outcomeDecreasing a clinically significant toxicity of an available treatmentAddressing an expected public health need.------Purpose of collection agencyThe purpose of mandamus is to remedy defects of justice. It lies in the cases where there is a specific right but no specific legal remedy for enforcing that right. Generally, it is not available in anticipation of any injury except when the petitioner is likely to be affected by an official act in contravention of a statutory duty or where an illegal or unconstitutional order is made. The grant of mandamus is therefore an equitable remedy; a matter for the discretion of the court, the exercise of which is governed by well-settled principles.Mandamus being a discretionary remedy, the application for it must be made in good faith and not for indirect purposes. Acquiescence cannot, however, bar the issue of mandamus. The petitioner must, of course, satisfy the Court that they have the legal right to the performance of the legal duty as distinct from mere discretion of authority. A mandamus is normally issued when an officer or an authority by compulsion of statute is required to perform a duty and that duty, despite demand in writing, has not been performed. In no other case will a writ of mandamus issue unless it be to quash an illegal order.------Life and career of collection agencyHarry Dees was born on June 4, 1912, in Oklahoma and later moved to Owensboro, Kentucky, where he lived with his grandparents. His grandfather, M.N. Porter, trained mules and later trained and raced thoroughbreds, spurring young Harry's lifelong interest in the sport of horse racing. Upon graduating from Owensboro High School, Harry enrolled in the University of Kentucky and graduated from the UK School of Law in 1935.Harry Dees began his legal career in 1935 as an attorney working for Isidor N. Kahn in Evansville, Indiana. In 1942, at age 30, Dees volunteered for the US Navy, serving during World War II and stationed in the Solomon Islands. After his release from the Navy, he returned to work with Mr. Kahn, becoming a partner in the firm in 1945.From the time he was 16 until he died at 91, Harry attended every Kentucky Derby except those when he was serving in World War II. By 1993 he had attended races at 35 tracks in 18 states, in addition to tracks in a number of foreign countries. At his death he was remembered in Kentucky horse racing circles for having attended more Kentucky Derby races than any other patron.Harry Dees maintained a 70-year association with Kahn, Dees, Donovan, & Kahn, LLP until his death on January 27, 2004.------Collection of collection agencyThe articles exhibited in the museum are mostly symbols of the regime that were brought from the bastions of Gaddafi ( Tripoli and Sirte ) to Misrata by the more than 200 brigades of militiamen of the city. Among the exhibited pieces are:Fist Crushing a U.S. Fighter Plane: anti-American monument built by order of Gaddafi and originally located at his residence in Bab al-Azizia , (Tripoli).Gaddafi's chair: it was used by the Libyan leader during his stay in Sirte and, after his death, the rebels used it to transport the corpse to Misrata.Statue of an eagle: brought from the barracks of the Salahaldin brigades (Tripoli).Photos of more than a thousand dead and missing during the government of Gaddafi.Weapons and ammunition used during the war: AK-47 bullets and a half-ton bomb, as well as several rockets, mortars, projectiles, Russian-made tanks and homemade bulletproof vests.Personal effects of Gaddafi: two copies of the Koran belonging to the Libyan leader, a set of tableware and several bottles of alcoholic beverages (which supposedly demonstrate his alcoholism, something forbidden by Islam ).The dictator's own body was publicly exposed for 5 days.In 2013, a group of volunteers from the NGO Mines Advisory Group helped the museum dispose of more than 363 explosive devices that put visitors' safety at risk.------Literary connections of collection agencyPublishers John Lane and Elkin Mathews were in partnership in Vigo Street. Together they published the infamous literary journal The Yellow Book volumes one and two in 1894. Later they founded The Bodley Head and continued to publish the work until it ceased in 1897.When the partnership between Lane and Mathews ended, both continued to have premises in Vigo Street and Mathews published the first editions of a number of important literary works, including The Wind Among the Reeds by W.B. Yeats in 1899 Chamber Music by James Joyce in 1907. He also published Lionel Johnson, John Masefield, J.M. Synge and Ezra Pound.It was from 8 Vigo Street that Allen Lane founded Penguin Books as part of Bodley Head in 1935. In 1985, Penguin erected a plaque on number 8 to mark the fiftieth anniversary of the Penguin paperback.In Conan Doyle's The Lost World, 1912, a South American adventure, Lord John Roxton, based on Irish human rights activist Roger Casement, turns down Vigo street and 'through the dingy portals of the famous aristocratic rookery' to his Albany chambers. Doyle describes his rooms, art and gun collection, in great detail.In Graham Greene's The End of the Affair, 1951, the private detective agency Bendrix approaches is located at 159 Vigo Street.------Bishop Hill State Historic Site of collection agencyBishop Hill State Historic Site is an open-air museum in Henry County, Illinois. It is located about 2 miles north of U.S. Route 34 in Bishop Hill, Illinois.The Illinois Historic Preservation Agency operates four surviving buildings in the village as a state historic site located within the Bishop Hill Historic District, which was added to the National Register of Historic Places in 1970, and listed as a National Historic Landmark in 1984.Bishop Hill was the site of a utopian religious community founded in 1846 by Swedish pietist Eric Janson. The settlers of Bishop Hill included skilled carpenters and craftsmen. Today visitors can enter the two-story frame Greek Revival-style Colony Church (1848), part of which was once used as single-room apartments by colony residents and which features a museum about Bishop Hill's history and reproductions of Colony artifacts, the three-story stuccoed-brick Colony Hotel (1852-ca. 1860), the small two-story frame Boys Dormitory (ca. 1850), and the Colony barn (mid-1850s) which was relocated behind the Hotel to the site of the original Hotel stable. The state also owns the village park with a gazebo and memorials to the towns early settlers and Civil War soldiers. A museum building houses a collection of early American primitive paintings by colonist and folk artist Olof Krans.
Knowledge About Collection Agency: Legal Status of Collection Agency
Legal status of collection agencyPrior to Brunei's independence, the country's investment portfolio was administered by the British Crown. The BIA was established under an Act of the Government of Brunei and became functional from 1 July 1983.The objective defined under the Act is to hold and manage the General Reserve Fund of the Government and all its external assets. The agency manages 40% of Brunei's foreign reserves, remainder being managed by eight foreign organizations.The Sultan of Brunei and Yang de Pertuan have the authority to specify any other issues that need to be addressed by BIA.------Partnerships of collection agencyFinesti and a Danish company called FundConnect were mandated by the European Fund and Asset Management Association (EFAMA) to be joint Classification Administrators of its European Fund Classification (EFC) with the mission to implement the EFC on a pan-European basis.The company was also active in the provision of Fund Processing Passports, short harmonized documents containing all key operational information to facilitate investment fund processing within Europe.Finesti also provided data services for the Luxembourg Fund Labelling Agency (LuxFLAG), an organisation providing information on microfinance investment vehicles.------Doping of collection agencyIn 1989, Yates tested positive for anabolic steroids in a doping test in the first stage of Torhout-Werchter. However, his 'B' sample did not confirm the 'A' sample and Yates was subsequently cleared because it was accepted that a labelling error must have occurred and the tested sample was not his.Following the report in October 2012 from the US Anti-Doping Agency that detailed organised doping in the US Postal/Discovery Channel teams, Yates insisted on BBC Radio 5 Live that he saw nothing suspicious during his six years working alongside Lance Armstrong.------List of national archives of collection agencyNational archives are central archives maintained by countries. This article contains a list of national archives.Among its more important tasks are to ensure the accessibility and preservation of the information produced by governments, both analogically and digitally, for the government itself, researchers and generations to come.Some national archives collections are large, holding millions of items spanning several centuries, while others created recently have modest collections. In the last decade, digitization projects have made possible to browse records and contents online, although no archive have their entire collections published on the web.------Activities of collection agencyThe organization gathered information on the conditions of Jews in the USSR, mostly from the American tourists visiting refuseniks in Soviet Union, and informed federal, state, and local government officials, thus influencing the Soviet-American relations during the two final decades of the Cold War. The GNYCSJ organized public events aimed to raise public awareness of the plight of the Soviet Jewry, including annual Solidarity Sunday rallies that gathered large crowds of supporters in New York City. GNYCSJ co-sponsored the 1987 Freedom Sunday for Soviet Jews in Washington, D.C. attended by 250,000 participants..------Susannah Harrison of collection agencySusannah Harrison (17521784) was an English working-class religious poet. Her 1780 collection Songs in the Night went through at least twenty-one editions in Britain and America, making it "one of the best selling collections written by a laboring-class poet in the late eighteenth century".Harrison was a domestic servant who taught herself to read and write. Aged twenty, she suffered an illness from which she did not expect to survive and gave manuscripts of her poetry to John Condor, a Congregationalist Minister, who edited and published her poems for her. She died 3 August 1784 in Ipswich.------Writings of collection agencyFranqui, Carlos (June 18, 1980). Diary of the Cuban Revolution. Library of America. ISBN0-670-27217-5.Franqui, Carlos (October 2006). Cuba, La Revolucion/ Cuba, the Revolution: Mito O Realidad/ Myth or Reality (El Ojo Infalible). Peninsular Publishing Company. ISBN970-777-137-2.Franqui, Carlos (1984). Family Portrait With Fidel: A Memoir. Random House, New York. ISBN0-224-02268-7. ISBN0394726200.Franqui, Carlos (2001). Camilo, el Hroe Desaparecido (in Spanish). Planeta. ISBN0-9715256-3-3.Franqui, Carlos Franqui (2006). Cuba, la revolucin, mito o realidad?: memorias de un fantasma socialista (in Spanish). Ediciones Pennsula. ISBN9788483077252.CS1 maint: refharv (link)------Peter Semoli of collection agencyPeter Semoli (born 1 February 1967) is a Slovene poet and translator. He has published numerous collections of poetry and his poems have been translated into English, German, Italian, French, Spanish, Polish, Hungarian, Finnish, Serbian, Bulgarian and Macedonian. He translates from English, French, Serbian and Croatian and also writes radio plays and children's literature.Semoli was born in Ljubljana in 1967 and studied Linguistics and Sociology of culture at the University of Ljubljana. In 1997 he won the Jenko Award for his poetry collection Hia iz besed (House Made of Words) and in 2001 the Preeren Foundation Award for his poetry collection Krogi na vodi (Circles Upon the Water).------Ezra Danin of collection agencyEzra Danin (Hebrew: .mw-parser-output .script-hebrew,.mw-parser-output .script-Hebrfont-family:"SBL Hebrew","SBL BibLit","Frank Ruehl CLM","Taamey Frank CLM","Ezra SIL","Ezra SIL SR","Keter Aram Tsova","Taamey Ashkenaz","Taamey David CLM","Keter YG","Shofar","David CLM","Hadasim CLM","Simple CLM","Nachlieli",Cardo,Alef,"Noto Serif Hebrew","Noto Sans Hebrew","David Libre",David,"Times New Roman",Gisha,Arial,FreeSerif,FreeSans ; 2 August 1903- 31 May 1984) was the head of the Arab section of the SHAI, the intelligence arm of the Haganah, Israeli politician and an orange grower. Danin specialized in Arab affairs.------Etymology of collection agencyThe term subpoena is from the Middle English suppena and the Latin phrase sub poena meaning "under penalty". It is also spelled "subpena". The subpoena has its source in English common law and it is now used almost with universal application throughout the English common law world. John Waltham, Bishop of Salisbury, is said to have created the writ of subpoena in the reign of Richard II. However, for civil proceedings in England and Wales, it is now described as a witness summons, as part of reforms to replace Latin terms with Plain English understandable to the layman------Death of collection agencyBennett died in a plane crash in Iran serving on an assignment for the Point Four Program. His wife, Vera, was with him and also was killed in the crash. Bennett was returning to a student event at Oklahoma State University when the plane crashed. He was interred at Highland Cemetery, Durant, Oklahoma. The Bennett Memorial Chapel at Oklahoma State University serves as a memorial to Bennett and his wife, and to the students of Oklahoma A&M College who were killed in World War I and World War II.------Lindholm Strait of collection agencyLindholm Strait (Russian: Proliv Lindgol'ma) is a strait in the northwestern Sea of Okhotsk. It separates Malyy Shantar and Belichiy Islands to the north from the Tugur Peninsula to the south. At its narrowest it is only 3.2 km (2 mi) wide. Tides are semidiurnal. Springs rise 4.9 m (16 ft), while neaps rise 3.6 m (11.8 ft). The flood current sets west, while the stronger ebb current flows in the opposite direction. The former creates large eddies and whirlpools. Tidal currents vary from 3.5 to 6 knots.In the summer bowhead whales can be seen in the strait.------Surfing and bathing of collection agencyFrequent strong swells coming in from the Atlantic Ocean make for excellent surfing and the sands are ideal for children, but the state of the tide has a major impact on the beach. As the tide comes in, the sands are swiftly submerged by the incoming seas until all that is left of the beach is the rocks at the base of the cliffs. There is a voluntary lifeguard service provided by Tintagel Surf Lifesaving Club. Unwary visitors can easily be cut off by the rising waters. A number of people have to be rescued each year.------Utility of collection agencyThese databases are invaluable resources in the field of aquatic toxicology because the likelihood that a chemical will cause toxicity is highly variable across the broad spectrum of contaminants in the environment. This is because the likelihood of adverse effects on an organism is dependent on the concentration of that substance in the target tissues of the organism, the physicochemical properties of that chemical and the duration of exposure to the chemical. Tools capable of predicting the toxicity of specific chemicals to particular organisms or groups of organisms are essential to regulators and researchers in the field of toxicology.------Forestdale (agency) of collection agencyForestdale, Inc. is a non-profit agency that provides foster care, preventive and other family services in New York City. It is located in the Forest Hills section of Queens.Forestdale receives support and oversight from the New York City Administration for Children's Services (ACS).Forestdale sponsors the Fathering Initiative, a program for fathers who want to take an active role in their childrens lives. The Fathering Initiative provides parenting classes, links to education and job resources, and individual counseling. It is funded by the New York City Department of Youth and Community Development, with additional support from private foundations, including the National Fatherhood Initiative.------Public Law Libraries (U.S.) of collection agencyPublic law libraries provide access to primary legal sources (statutes, cases, and regulations) and secondary sources (professional reference books, form books, and self-help books) used in legal matters. In most U.S. states, public law libraries are part of the trial court system, a department of the state or county government, or an independent local government agency managed by a board of trustees. Public law libraries serve several user groups with different information needs: judges and their support staff, attorneys in all types of practice, and the general public.------Inger Elisabeth Hansen of collection agencyInger Elisabeth Hansen (born 20 April 1950) is a Norwegian poet and translator.Her poetry collection Trask was awarded the Brage Prize in 2003 and nominated for the Nordic Council's Literature Prize in 2004. An extensive selection of her poetry in Spanish will be published by Bartleby in 2010.needs updateIn addition to writing her own poetry she has translated Cesar Vallejo, Juan Gelman, Rosario Castellanos and other Spanish and Latin-American poets into Norwegian, as well as Maryam Azimi and Mrta Tikkanen. She has also taught Spanish-language literature at the University of Oslo and served as president of the Norwegian Writers' Union from 1997 to 1999.------Teaching career of collection agencyIn 1941, West began his first teaching assignment at the Phoenix Indian School but then joined the US Navy to fight in Europe in World War II from 1942 to 1946. Upon his honorable discharge, West returned to teaching at the Phoenix Indian School, then chaired the art department at Bacone College from 1947 to 1970. From 1970 to 1977, West taught art at Haskell Indian Junior College. From his teaching, he influenced innumerable Native artists. His students included such successful artists as Joan Hill, Enoch Kelly Haney, Johnny Tiger Jr., Sharron Ahtone Harjo, Marlene Riding In-Mameah, and Virginia Stroud.From 1979 to 1980, West served as professor emeritus at Bacone College.------Karuna Center for Peacebuilding of collection agencyKaruna Center for Peacebuilding (KCP) is a 501(c)(3) non-profit organization based in Amherst, Massachusetts. The stated mission of KCP is to empower people divided by conflict to develop mutual understanding and to create sustainable peace. The organization was named for the Sanskrit word for compassion. The organizations efforts in facilitating "post-conflict reconciliation" has led to active programs in more than 30 countries. They have co-implemented programs with the United States Agency for International Development, United States Department of State, United States Institute of Peace, and Fund for Peace, among others.------Land use of collection agencyThe upper half of the river is inside the Six Rivers National Forest, but the vast majority of the river flows through private land, even in the national forest. About 64 percent of the land is used for timber production. Green Diamond is by far the largest landowner in the watershed, with about 42 percent of all land. The next largest landowners are R. Emmerson and Humboldt Redwood Company (formerly the Pacific Lumber Company), with 3 and 2 percent respectively. There are quite a few ranchers and lumber companies that own smaller, but still sizable, parcels. Private residences, open space and parks make up most of the rest.------Importance of collection agencyOverall, the National Archives of Egypt is considered one of the most important Archives in the world, due to the huge number of archival resources it contains. In fact, its documents and manuscripts are a reflection of the key status that Egypt has held for so long in world history. It contains documents written in many languages: Arabic, Turkish, English, Italian, French and German as well as a few in Amharic. They cover almost a thousand years of history, from the Abbasid, Fatimid, Ayyubid, Mameluk, and Ottoman Empire eras up to modern times
Knowledge About Collection Agency,Counselor Certification of Collection Agency
Counselor Certification of collection agencyAs part of membership, agencies agree to certify their counselors through the NFCC Certification program which focuses on empowering counselors to deliver exemplary counseling and educational services to the clients and communities they serve. Certified counselors are able to demonstrate to the community and their colleagues that they have attained the degree of professional knowledge and skills necessary to provide quality services.Individuals in need of financial counseling can experience confidence in knowing that by working with an NFCC member they are being assisted by a counselor who has been certified and held to a high standard of service delivery. A typical session includes reviewing goals, completing a thorough financial analysis, and working in partnership with the individual to establish steps to improve the individuals overall financial well-being.The NFCC Certification program is exclusive to NFCC members and provides industry best practices in the financial management arena, to include working with people in (but not limited to):Establishing goals and the action steps to achieve themDeveloping and understanding a budget as well as revising a budget during times of crisisWorking with creditors to manage unsecured debt and determine alternatives that most effectively meet the consumers needs and goalsDetermining affordability of potential housing optionsExamining steps needed to obtain and maintain home ownershipUnderstanding consumer rights and responsibilitiesNavigating the student loan repayment processIdentifying community resources and referrals that may assist individuals in increasing their financial well-beingUnderstanding the collection and foreclosure processesEstablishing strategies to overcome financial hardshipsDeveloping techniques to effectively cope with unplanned expenditures and prepare for the futureUnderstanding credit reporting and possible methods to improve credit-worthinessThe NFCC Certification program requires initial certification through comprehensive instruction on how to provide education and guidance regarding the multitude of areas listed above. The program also requires continuing education in service related areas as well as mandatory re-certification on a bi-annual cycle for credit counseling and annual cycle for housing and student loan.------Earlier statutes of collection agencyUp to early 19th century, the Basque districts maintained a great degree of self-government under their charters (they came to be known as the Exempt Provinces), i.e. they held a different status from other areas within the Crown of Castile/Spain, involving taxes and customs, separate military conscription, etc.), operating almost autonomously.After the First Carlist War (18331839), home rule was abolished and substituted by the Compromise Act (Ley Paccionada) in Navarre (1841) and a diminished chartered regime in the three western provinces (up to 1876). After the definite abolition of the Charters (end of Third Carlist War), former laws and customs were largely absorbed into Spanish centralist rule with little regard for regional idiosyncrasies. As a result, attempts were made by Carlists, Basque nationalists and some liberal forces in the Basque region of Spain to establish a collaboration among them and restore some kind of self-empowerment ("autonomy"), while the Catalans developed their own Catalan Commonwealth.Attempts at a unified Basque statute including Navarre were repeatedly postponed until the occasion seemed to have arrived at the onset of the Second Spanish Republic with a statute for the four Basque provinces. A draft Basque Statute was approved by all four provinces (1931), but Carlists were divided, and the 1931 draft Statute of Estella did not achieve enough support, against a backdrop of heated controversy over the validity of the votes, as well as allegations of strong pressures on local representatives to tip the scale against the unitarian option (Assembly of Pamplona, 1932).Following the works started for the Basque Statute, another proposal was eventually approved by the government of the Spanish Republic, already awash in the Civil War, this time only including the provinces of Gipuzkoa, Biscay and lava. Its effectivity was limited to the Republic-controlled areas of Biscay and a fringe of Gipuzkoa.After the surrendering of the Basque Army in 1937, the statute was abolished. However, Francisco Franco allowed the continuation of a limited self-government for Alava and Navarre, thanking their support for the Spanish Nationalist uprising.It is on the republican statute and the Alavese institutions that the current Statute of Gernika takes its legitimacy.------Music of collection agencyAllen began his musical career learning to play piano from his mother, Pauline Pierce Allen, who was a professional piano player. In 1962, while in High School, he wrote his first song, "Red Bird", which he would go on to perform live on Shindig! in 1965, and recorded on his 1980 album, Smokin' the Dummy.In 1975, Allen released his debut, art-country album, Juarez, which is considered "one of the greatest concept albums of all time" according to PopMatters while Rolling Stone called it an "outlaw classic".The 1979 follow up, was the groundbreaking, Lubbock (on everything). His deeply moving and satirical lyrics capture his complex memory of growing up in his hometown of Lubbock, Texas. According to AllMusic, Lubbock (On Everything) is "one of the finest country albums of all time" and a progenitor of the alt-country movement. His song "New Delhi Freight Train", from Lubbock (On Everything), was first recorded by Little Feat in 1977 on their album, Time Loves a Hero. Guy Clark says, "It's such an interesting piece of work... It's the juxtaposition of the song."In 1980, Allen released, Smokin' the Dummy, which he recorded with the Panhandle Mystery Band.His 1983 album, Bloodlines, includes one of his most well-known songs, "Gimme a Ride to Heaven Boy", which includes themes of hitchhiking and the road.In 1986, he collaborated with David Byrne on the soundtrack for Byrne's movie True Stories.Over the span of a decade (1985-1995), Allen released several avant-garde albums, Pedal Steal, Amerasia and Chippy (a collaboration with Joe Ely, Butch Hancock, Robert Earl Keen, Wayne Hancock), which crossover to visual, theatrical and musical medium interpretations.In 1996, he released the country album, Human Remains, which features guest spots from David Byrne, Joe Ely, Charlie and Will Sexton and Lucinda Williams.In 2007, Allen did a guest spot on the track "Ghost of Travelin' Jones" on Ryan Bingham's album, Mescalito.Allen's 2013 album, Bottom of the World, features his Guy Clark co-write, "Queenie's Song", inspired by the death of his dog.------Early life and career of collection agencyO'Rear was born in Butler, Missouri in 1941 and first handled a Brownie camera when he was 10. As a child, he wanted to be a pilot and got his license at the age of 16. He attended State Teachers College and started his career as a sports reporter for the Butler Daily Democrat. In 1961, he joined the daily newspaper Emporia Gazette as a photographer, and in 1962 The Kansas City Star as a reporter-photographer and, in 1966, he moved to Los Angeles to join as a staff photographer for the Los Angeles Times.In 1971, National Geographic magazine hired O'Rear to document the lives of Russian villagers in Alaska who called themselves Old Believers. In 1978, the magazine sent him to Napa Valley to photograph the wine region. O'Rear became interested in wine photography and shifted his base to the valley to photograph the region. In 1985, he traveled to Indonesia for another assignment for the magazine where he carried 500 rolls of film and took 15,000 photos. O'Rear has appeared on National Geographic magazine's cover twice: once as "Bird Man" flying an ultralight aircraft and later for the other photograph shown him holding a computer chip in his hand. O'Rear had been associated with the magazine for nearly 25 years (1971 to 1995) and has photographed in 30 countries and every state in the USA. For the magazine, he photographed 25 articles ranging in topics including the Mexican Riviera, Siberia, Canada, Silicon Valley and Napa Valley. While working with National Geographic, he learned to use small strobes and taught the subject for 11 years at the Santa Fe Photographic Workshop.From 1972 to 1975, O'Rear was part of the Environmental Protection Agency's DOCUMERICA project, aimed at "photographically documenting the subjects of environmental concern in America during the 1970s" along with 70 other photographers including Bill Strode, Danny Lyon and John H. White. O'Rear is credited with the most photographs in the final DOCUMERICA collection. In 1980, he co-founded the photo agency, Westlight, with Craig Aurness, which was acquired in 1998 by Corbis. The same year, Corbis sent O'Rear around the world for a year to photograph major wine regions.------Zionist activism of collection agencyRuppin joined the Zionist Organization (ZO, the future World Zionist Organization WZO) in 1905. In 1907 he was sent by David Wolffsohn, the President of the ZO, to study the condition of the Yishuv (the Jewish community in Palestine), then in the Ottoman Empire, to investigate the possibilities for development of agriculture and industry. He reported on what he saw, which was distressing, and gave recommendations for improving the situation. In 1908 Ruppin came to live in Palestine by decision of the eighth Zionist Congress. He opened the Palestine Office of the Zionist Organization in Jaffa, with the aim of directing the settlement activities of the Zionist movement. His work made Practical Zionism possible and shaped the direction of the Second Aliya, the last wave of Jewish immigration to Palestine before World War I.Ruppin became the chief Zionist land agent. He helped to get a loan for Ahuzat Bayit, later Tel Aviv, and acquired land on the Carmel, in Afula, in the Jezreel Valley, and in Jerusalem. Ruppin was instrumental in shaping the nature of Jewish settlement in Palestine and in changing the paradigm of settlement from those of plantation owners and poor laborers to the collective and cooperative kibbutzim and moshavim that became the backbone of the state-in-the-making. He catalyzed the commune at Sejera, and helped building the first kibbutz Degania, as well as helping to support and organize Kinneret, Merhavia and other settlements (background about Labor Zionism can be found at www.mideastweb.org). Later, he supported Yehoshua Hankin in his purchases of large tracts of land in the Galilee.Ruppin was among the founders of the Brit Shalom peace movement, which supported a binational state, but he left Brit Shalom after the 1929 Hebron massacre. Thereafter he was convinced that only an independent Jewish state would be possible, and he believed that the way to bring about that state was through continued settlement. He headed the Jewish Agency between 1933 and 1935, and helped to settle the large numbers of Jewish immigrants from Germany who came in that period. Ruppin died in 1943. He was buried in Degania Alef.
Credit Card in Collections, and Have to Deal with Collection Agency.?
1. You can't. The original creditor is no longer involved. The collection agency cannot change to original creditor's report with the credit bureaus. Dealing with a 3rd party collection agency will not change to original creditor's entry.2. They might not. By law anything reported to you to the credit bureaus has to be the truth. The truth is that you settled the account for less than the full amount of the debt.• Related Content of collectionWorks in the Hill Collection of private spaceThe Hill Collection focuses on in-depth collecting within four main categories: Renaissance and Baroque bronzes, Old Master paintings, Modern Masters, and Contemporary artists. Works from the Hill Collection have been loaned to prominent museums worldwide, including the 2014 exhibition Renaissance and Baroque Bronzes from the Hill Collection at The Frick Collection which featured Renaissance and Baroque bronzes and a selection of Post-War works from the collection.------Published works based on collection of browseWar letters: extraordinary correspondence from American wars. New York: Scribner. 2001. OCLC46402061..mw-parser-output cite.citationfont-style:inherit.mw-parser-output .citation qquotes:"""""""'""'".mw-parser-output .id-lock-free a,.mw-parser-output .citation .cs1-lock-free abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/6/65/Lock-green.svg/9px-Lock-green.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg");background-repeat:no-repeat;background-size:9px;background-position:right .1em center.mw-parser-output .id-lock-limited a,.mw-parser-output .id-lock-registration a,.mw-parser-output .citation .cs1-lock-limited a,.mw-parser-output .citation .cs1-lock-registration abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/d/d6/Lock-gray-alt-2.svg/9px-Lock-gray-alt-2.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg");background-repeat:no-repeat;background-size:9px;background-position:right .1em center.mw-parser-output .id-lock-subscription a,.mw-parser-output .citation .cs1-lock-subscription abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/a/aa/Lock-red-alt-2.svg/9px-Lock-red-alt-2.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg");background-repeat:no-repeat;background-size:9px;background-position:right .1em center.mw-parser-output .cs1-subscription,.mw-parser-output .cs1-registrationcolor:#555.mw-parser-output .cs1-subscription span,.mw-parser-output .cs1-registration spanborder-bottom:1px dotted;cursor:help.mw-parser-output .cs1-ws-icon abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/4/4c/Wikisource-logo.svg/12px-Wikisource-logo.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg");background-repeat:no-repeat;background-size:12px;background-position:right .1em center.mw-parser-output code.cs1-codecolor:inherit;background:inherit;border:inherit;padding:inherit.mw-parser-output .cs1-hidden-errordisplay:none;font-size:100%.mw-parser-output .cs1-visible-errorfont-size:100%.mw-parser-output .cs1-maintdisplay:none;color:#33aa33;margin-left:0.3em.mw-parser-output .cs1-subscription,.mw-parser-output .cs1-registration,.mw-parser-output .cs1-formatfont-size:95%.mw-parser-output .cs1-kern-left,.mw-parser-output .cs1-kern-wl-leftpadding-left:0.2em.mw-parser-output .cs1-kern-right,.mw-parser-output .cs1-kern-wl-rightpadding-right:0.2em.mw-parser-output .citation .mw-selflinkfont-weight:inheritBehind the lines: powerful and revealing American and foreign war letters--and one man's search to find them. New York: Scribner. 2005. ISBN0-7432-5616-6. OCLC58648073.Operation homecoming: Iraq, Afghanistan, and the Home Front, in the words of U.S. troops and their families. New York: Random House. 2006. OCLC70114649.My Fellow Soldiers: General John Pershing and the Americans Who Helped Win the Great War. Penguin Press. 2017. ISBN1594206481.
Things You May Want to Know About Collection Agency - an Overview of Collection Agency
An overview of collection agencyMat Johnson (born August 19, 1970 in Philadelphia, Pennsylvania) is an American fiction writer who works in both prose and the comics format. In 2007, he was named the first USA James Baldwin Fellow by United States ArtistsWorks of collection agencyNovelsDrop (Bloomsbury USA, 2000)Hunting in Harlem (Bloomsbury USA, 2003)Pym (Random/Spiegel & Grau, 2011)Loving Day (Spiegel & Grau, 2015)NonfictionThe Great Negro Plot (Bloomsbury USA, 2007)ComicsHellblazer Special: Papa Midnite (Vertigo, 5-issue limited series, 2005; tpb, 2006, .mw-parser-output cite.citationfont-style:inherit.mw-parser-output .citation qquotes:"""""""'""'".mw-parser-output .id-lock-free a,.mw-parser-output .citation .cs1-lock-free abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/6/65/Lock-green.svg/9px-Lock-green.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg");background-repeat:no-repeat;background-size:9px;background-position:right .1em center.mw-parser-output .id-lock-limited a,.mw-parser-output .id-lock-registration a,.mw-parser-output .citation .cs1-lock-limited a,.mw-parser-output .citation .cs1-lock-registration abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/d/d6/Lock-gray-alt-2.svg/9px-Lock-gray-alt-2.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg");background-repeat:no-repeat;background-size:9px;background-position:right .1em center.mw-parser-output .id-lock-subscription a,.mw-parser-output .citation .cs1-lock-subscription abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/a/aa/Lock-red-alt-2.svg/9px-Lock-red-alt-2.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg");background-repeat:no-repeat;background-size:9px;background-position:right .1em center.mw-parser-output .cs1-subscription,.mw-parser-output .cs1-registrationcolor:#555.mw-parser-output .cs1-subscription span,.mw-parser-output .cs1-registration spanborder-bottom:1px dotted;cursor:help.mw-parser-output .cs1-ws-icon abackground-image:url("upload.wikimedia.org/wikipedia/commons/thumb/4/4c/Wikisource-logo.svg/12px-Wikisource-logo.svg.png");background-image:linear-gradient(transparent,transparent),url("upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg");background-repeat:no-repeat;background-size:12px;background-position:right .1em center.mw-parser-output code.cs1-codecolor:inherit;background:inherit;border:inherit;padding:inherit.mw-parser-output .cs1-hidden-errordisplay:none;font-size:100%.mw-parser-output .cs1-visible-errorfont-size:100%.mw-parser-output .cs1-maintdisplay:none;color:#33aa33;margin-left:0.3em.mw-parser-output .cs1-subscription,.mw-parser-output .cs1-registration,.mw-parser-output .cs1-formatfont-size:95%.mw-parser-output .cs1-kern-left,.mw-parser-output .cs1-kern-wl-leftpadding-left:0.2em.mw-parser-output .cs1-kern-right,.mw-parser-output .cs1-kern-wl-rightpadding-right:0.2em.mw-parser-output .citation .mw-selflinkfont-weight:inheritISBN1-4012-1003-1)Incognegro (Vertigo, graphic novel, 2008, hardcover, ISBN1-4012-1097-X)Dark Rain: A New Orleans Story (Vertigo, graphic novel, 2010, 160 pages, ISBN978-1-4012-2160-7)Right State (Vertigo, graphic novel, 2012, 144 pages, ISBN1-4012-2943-3)AnthologiesGumbo: Anthology of African American Literature (Harlem Moon, 2002)Not Guilty: Twelve Black Men Speak Out on Law, Justice, and Life (Amistad Press, 2002)Mixed: An Anthology of Short Fiction on the Multiracial Experience (W. W. Norton, 2006)Black Cool: One Thousand Streams of Blackness (Soft Skull Press, February 2012)Life and career of collection agencyJohnson was born and raised in the Germantown and Mount Airy communities in Philadelphia.His mother is African-American and his father is Irish Catholic. He attended Greene Street Friends School, West Chester University, University of Wales, Swansea, and ultimately received his B.A. from Earlham College. In 1993 he was awarded a Thomas J. Watson Fellowship. Johnson received his M.F.A. from Columbia University School of the Arts in 1999.Johnson has taught at Rutgers University, Columbia University, Bard College, and The Callaloo Journal Writers Retreat. He is a permanent faculty member at the University of Houston Creative Writing Program. Johnson lives in Houston.Johnson's first novel, Drop (2000), was a coming-of-age novel about a self-hating Philadelphian who thinks he has found his escape when he takes a job at a Brixton-based advertising agency in London, U.K. The work was a Barnes & Noble Discover Great New Writers selection; Interview magazine named Johnson as a "Writer on the Verge"; and Drop was listed among "Best Novels of the Year" by Progressive Magazine.In 2003, Johnson published Hunting in Harlem (2003), a satire about gentrification in Harlem and an exploration of belief versus fanaticism. Hunting in Harlem won the Zora Neale Hurston/Richard Wright Legacy Award for Novel of the Year.Johnson made his first move into the comics form with the publication of the five-issue limited series Hellblazer Special: Papa Midnite (Vertigo 2005), where he took an existing character of the Hellblazer franchise and created an origin story that strove to offer depth and dignity to a character who was arguably a racial stereotype of the noble savage. The work was set in 18th-century Manhattan, and was based on the research that Johnson was conducting for his first historical work, The Great Negro Plot.The Great Negro Plot is a creative nonfiction that recounts the New York Slave Insurrection of 1741 and the resultant trial and hysteria.In February 2008, Vertigo Comics published Johnson's graphic novel Incognegro, a noir mystery that deals with the issue of passing and the lynching past of the American South. The work is illustrated by British artist Warren Pleece with cover artwork by Stephen John Phillips.From 20062007, Johnson wrote the blog Niggerati Manor, which discussed African-American literature and culture.
Introduction to Collection Agency - John Thomas Scharf of Collection Agency
John Thomas Scharf of collection agencyJohn Thomas Scharf (May 1, 1843 February 28, 1898) was an American historian, author, journalist, antiquarian, politician, lawyer and Confederate States of America soldier and sailor. He is best known for his published historical works. Modern historians and researchers cite his comprehensive histories as primary source materials.Scharf used a formulaic and detailed approach to preparing his historical works. He contacted everyone who could provide information about his subject and used detail questionnaires to capture responses to his inquiries. The J. Thomas Scharf Collection, 1730s-1892, held by the Maryland Historical Society, shows off his massive collection of original source materials.Scharf was one of the first American historians to consistently use newspapers as a primary source. Rather than trying to analyze the source material, he often quoted at length from newspapers, magazines, pamphlets, and state and city documents. His books are written in the flowery style of his day, and several of his works, although long, are still considered among the best primary sources available. When writing about the American Civil War, the central event of his generation, he could not remain objective, and clearly articulated his strong pro-South perspective and prejudice about the war he fought. Still, his History of the Confederate States Navy remains a particularly valuable contribution to the literature of the American Civil War.At the outbreak of the war, Scharf enlisted with the 1st Maryland Artillery. He fought in the Confederate States Army and Navy. Returning from the war, Scharf helped reorganize the Maryland state militia. He practiced law and took positions as a city editor for the Baltimore Evening News and managing editor for the Baltimore Sunday Telegram. He accumulated a mass of papers on the city of Baltimore and from these he published his first major work, The Chronicles of Baltimore.In 1878, Scharf, a Democrat from Baltimore City-District 2, was elected and served one term in the Maryland General Assembly, House of Delegates. He served as Commissioner of the Land Office of Maryland from 1884 until 1892 and was an active member of the Maryland Historical Society. In the year before he died he was dismissed from his position as "Special Chinese Inspector" for the Southern District of New York, a post charged with enforcing the Chinese Exclusion Act of 1882 and the Geary Act of 1892.------Watershed and river modifications of collection agencyThe Mad River drains approximately 497 square miles (1,290km2) of the Coast Range Geomorphic Province and empties into the Pacific Ocean north of Humboldt Bay in Humboldt County, California. The basin is about 100 miles (160km) in length and averages six miles (10km) wide. Elevations range from sea level at the mouth to 3,000 feet (910m) along the western ridge to 6,000 feet (1,800m) in the headwaters. Principal tributaries to the Mad River include South Fork Mad River, North Fork Mad River, Barry Creek, Pilot Creek, Deer Creek, Bug Creek, Graham Creek, Grace Flat, Blue Slide Creek, Boulder Creek, Maple Creek, Cann Creek, Lindsey Creek, and Mill (Hall) Creek.The river provides groundwater recharge for agricultural water supplies and is free-flowing for 85 percent of its length. Matthews Dam, about one third of the way down the river from its source, forms Ruth Reservoir. The dam is owned by Humboldt Bay Municipal Water District, which provides water from Ranney collectors near Essex for municipal and industrial use in Eureka, Arcata, Blue Lake and numerous unincorporated communities in the Humboldt Bay area. The reservoir can hold 48,000 acre feet (59,000,000m3) of water; and releases power a two megawatt hydro-electric plant generating 5 million kwh during an average water year.In the 1960s, a dam for the Mad River in Humboldt County was proposed by the Army Corps of Engineers. The proposed blockage would have flooded the Maple Creek/Butler Valley area and adversely affected the health of the Mad River watershed. Gradually the opposition from the community, including the urban areas of the county, forced a suspension of the project schedule and finally the cancellation of the project. The dam was never built.The greatest problem of the Mad River drainage basin, as for many rivers in this area of the state, is erosion causing excessive sediment buildup in the river and its tributaries. The main causes of the erosion are excessive road building and logging, especially historical logging practices like clear-cutting. In addition, the removal of riparian vegetation (primarily due to conversion of natural lands to ranching purposes) increases erosion and urbanization causes decreased water quality. In 1992, the Environmental Protection Agency listed the Mad River under section 303(d) of the California Clean Water Act Section as sediment impaired, due to elevated erosion and siltation. In 2006, the river was additionally listed as temperature and turbidity-impaired.------Dawn Eilenberger of collection agencyDawn Eilenberger became the Deputy Director of National Intelligence in April 2017. Previously she was the Assistant Director of National Intelligence for Policy & Strategy, Office of the Director of National Intelligence (ODNI). In this role, she oversees the formulation and implementation of Intelligence community (IC)-wide policy and strategy on the full range of intelligence issues, including collection, analysis, requirements, management and information sharing, and provides leadership for ODNI and IC initiatives on information sharing and the closure and disposition of detainees at the Guantanamo Bay detention camp.Before joining the ODNI, Eilenberger served as the Inspector General (IG) of the National Geospatial-Intelligence Agency (NGA) (February 2011 August 2014), where she completed the transition of the office to a statutory IG, including creation of a financial audit staff to oversee the first audit of NGA's financial statements. As Inspector General, she provided independent oversight and accountability and acted as the NGA's chief official responsible for investigating potential violations of law, rule or regulation. Eilenberger also served as NGA's Director, Office of International Affairs and Policy (June 2007 February 2011), where she managed NGA's international partnerships and developed and implemented geospatial intelligence policy and guidance, including intelligence sharing and disaster relief efforts. While at NGA, she served as Deputy Director, Security and Installations (March 2006 June 2007) and Associate Deputy Director for Policy (February 2005 February 2006).Eilenberger began her government career in 1982 in the Central Intelligence Agencys Office of General Counsel (OGC). In 1988, she became Chief of OGC's Special Activities Division, providing legal guidance on CIA operational activities. She became Chief of OGC's Administrative Law Division in 1992, handling appropriations law, ethics, security and human resource issues. She was named Director of the CIA's Office of Equal Employment Opportunity in 1994. She became the CIA's Principal Deputy General Counsel in August 1995, managing the day-to-day activities of OGC and providing legal advice to senior CIA officials on the full range of intelligence issues. Eilenberger served as the CIA's Director of Finance from 1999 through 2004. Her programmatic responsibilities included the Auditable Financial Statements Program, the Working Capital Fund and financial support to operational activities.Eilenberger is a native of East Stroudsburg, Pennsylvania. She graduated summa cum laude from Muhlenberg College with a B.A in history and political science and from the University of Virginia School of Law and has been admitted to practice law in Virginia and the District of Columbia.------Secret CIA prisons (a.k.a. Black Sites) of collection agencyAccording to then-CIA chief Michael Hayden in 2007, the CIA had detained up to 100 people at secret facilities abroad (known as black sites) since the 2002 capture of the suspected Al Qaeda operative Abu Zubaydah.One example is Khalid El-Masri, a German citizen abducted by the CIA in Macedonia in January 2004. He was taken to a CIA black site in Afghanistan, known as the Salt Pit, for questioning under 'enhanced interrogation techniques' before he was determined to be innocent in March and eventually released in May 2004 after some additional delays. His abduction was said to be a case of mistaken identity. Germany initially claimed that it did not know of el-Masri's abduction until his return to the country in May 2004. But, on June 1, 2006, the BND (German intelligence agency) declared that it had known of El-Masri's seizure 16 months before Germany was officially informed of his arrest.In a 2007 report, Human Rights Watch related the claims of an alleged ghost detainee, Marwan Jabour, a Palestinian who was arrested in Lahore, Pakistan, in May 2004. He claimed to have been held for more than a month in a secret detention facility operated by Pakistanis and Americans in Islamabad. He was flown to a CIA prison in Afghanistan, where he was held in secret, incommunicado detention for more than two years. During his ordeal, he was tortured, beaten, forced to stay awake for days, and kept naked and chained to a wall for more than a month.At least 39 detainees who were once held by the CIA in secret detention remain "disappeared," according to Off the Record, a report jointly published June 7, 2007 by six leading human rights groups, including Amnesty International, the Center for Constitutional Rights, the Center for Human Rights and Global Justice, and Human Rights Watch. Spokesmen say that their report:... reveals the extent to which the United States has illegally used "proxy detention" to empty its secret sites and demonstrates that far from targeting the "worst of the worst," the system sweeps up low-level detainees and even involves the detention of the wives and children of the "disappeared," in violation of their human rights. 'Off the Record' also documents allegations concerning the treatment of detainees while in secret detention, including torture and other cruel, inhuman or degrading treatment or punishment.------Working Groups of collection agencyThe EU Legislation Working Group has over the past five years been closely following the debate on the Capital Requirements Directive (CRD) and has been successfully lobbying at EU level to obtain treatment that recognises the low risk profile of the instrument. In this respect, the group has drafted and passed comments to the European Institutions.The Technical Issues Working Group represents the technical think thank of the covered bond community, drawing on experts from across the industry to tackle key issues for the industry. Recent work includes covered bond analysts and country experts working together to describe the key features of each covered bond jurisdiction, presented in an easy to use, comparable format on line.The Market Related Issues Working Group discusses topics such as conventions on trading standards and the market-making process. The Working Group is currently leading the discussions on improving liquidity in secondary markets.The Working Group on Statistics and Data is responsible for collecting and publishing complete and up-to-date information on issuing activities and volumes outstanding of covered bonds in all market segments. With 25 different covered bond jurisdictions and numerous issuers, the collection of data is of utmost importance, particularly given that the ECBC data is increasingly viewed as the key source of covered bond statistics.The Fact Book Working Group is responsible for the publication of the annual European Covered Bond Fact Book. This publication covers key themes in the industry, market developments, provides a detailed overview of legislative frameworks in different countries as well as statistics. The latest edition of the ECBC Fact Book is available here.The Rating Agency Approaches Working Group examines the rating approaches applied by rating agencies and has been active over the past year monitoring, analysing and reacting to the changes underway in covered bond rating methodologies.The Global Issues Working Group focuses exclusively on covered bond issues from a global perspective. Membership of the ECBC continues to grow and its agenda for the coming year is already filled with numerous activities. The ECBCs objective now is to press ahead in its work with a view to further strengthening its role in facilitating the communication among the different covered bonds stakeholders, working as a catalyst in defining the common features that characterise the asset class and in facilitating improvements in market practices, transparency and liquidity.
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