S.C.R.A IV

Interesting according to Congressional Budget Office Obamacare is going to cost 5 billion dollars less than we’ve been told to expect.

This means according to the Washington post premiums should be going to go down.

Isn’t that just awful and such a really bad thing to have happen. I mean for the past 30 years all my premiums ever did was to go up. This happened every year for the exact amount of my cost of living raise. Isn’t that the way it is supposed to be?

To work than. I am a paralegal not a lawyer so what information you find in my articles are not to be taken as legal advice. My articles are meant to be legal information only. Let’s not forget when a lawyer of paralegal becomes involved your problem becomes an Issue.

OPINION: The fact it can take your lawyer 2 or 3 days to get up to speed on your ISSUE is one of the main reasons why, waiting to the last moment before getting legal help is a very bad idea. It always takes your lawyer and or paralegal awhile process the information and to get up to speed before they can help you. So the more time you can give your lawyer the happier you will be with the results.

Something interesting for soldiers if you get arrested and dropped into a civilian jail and a bail bondsman gets you out you can use the S.C.R.A. to block them from coming after you and forcing you to appearance for your court date until 90 days after discharge from the military.

However this only works if you are in combat. If you are stationed at a base in the States of an Ally country the bondsman can go your commanding officer and ask for you. Or the bondsman can go to your base legal office and get the base court to cancel that part of your S.C.R.A.

Now getting back to what your spouse can do with S.C.R.A. As I said before using the S.C.R.A. your spouse can stop a foreclosure on your house or stop a rental eviction. Also Using the S.C.R.A your spouse can stop a foreclosure on your storage unit.

Life Insurance: Okay if you or your soldier has one of those life insurance policies you can borrow against and your soldier uses it as collateral before going on active duty. Using the S.C.R.A. you can prevent the creditor from seizing the money. Unless the insured dies or the premiums don’t get paid.

Now it is always a good idea to have a back-up P.O.A. /Power of Attorney. A back-up P.O.A/Power of Attorney doesn’t come into play unless your spouse is out of it. It also helps is States that still won’t see same sex unions.

Getting back to the S.C.R.A. If your spouse is out of the game whoever is listed on your back-up P.O.A can use the S.C.R.A., too protect your assets.

Next week a little more on the S.C.R.A. I will be moving onto Chapter 7 Bankruptcy

S.C.R.A III

Interesting, our House of Representatives has actually held a vote on 4/10/14. 219 crazy republicans have voted to cut and end food stamps, Medicare and Medaid, Unemployment insurance, welfare and other much needed social programs. For example, there would be cuts to the Pell grant making it 10 times harder for a poor kid to get education or training needed so they can climb out of being poor. Of course, let’s not forget Obama care this budget will be taking away medical insurance from 8 million working families. After all the poor and handicap are just lazy people bleeding this country dry.

All this so they can to give poor rich people a much needed tax cuts. Poor, Poor rich people. I swear Serf-Dom is on its way back. Once we have Serf-Dom slavery is not even a half-step away.

Oh well, Once again as Ed Shultz from the Ed Show says ‘Let’s go to work’. I am not a lawyer, I am a paralegal. So what follows is in no-way to be taken as, intended to be legal advice. This is legal information only. Let us not forget when a lawyer or paralegal becomes involved your problem becomes an Issue.

Picking up on the S.C.R.A. I am constructing a second page dedicated to listing phone numbers, addresses and websites of military legal assistance organizations. I found this listing on the Department of Justice website. Theses organizations’ should and will be able to help you if you decide to pursue an S.C.R.A/Serviceman’s Civil Relief Act type of bankruptcy. If you live near a military base you can also start with local military base’s legal offices.

If you are a service member and or the service member’s spouse starting an S.C.R.A you will need to have this the information you need to have on hand when you make your 1st call:

Service member’s full and complete name, rank and current posting or where they are currently stationed. Of course don’t forget your soldier’s social security number.

Next gather together all information you can about the money matter you need help with. This includes all bills, demand letters, contracts, deeds and bills of sales. This also includes any legal documents, like Reposition demands, notices of evictions, and foreclosures’ notices. Make sure you have all this information organized in such a way you can easily find what information you need while are talking with your lawyer.

It will help to write down a list of your questions and concerns before making your 1st call and have it on top of your paperwork.

Once you have gotten all your information put together, you can make your 1st call.

SIDENOTE: Do not be surprised or appalled if after the intake operator takes your phone number and some information about your issue they tell you someone will be calling you back. This is a legal and governmental office you are dealing with after all. It could be 2 or 3 days before someone call you back but I guarantee someone will call. However if someone is pounding at your door about the debt make sure the intake operator is aware! Someone will call you back a lot sooner.
If someone from that office doesn’t call in that time frame or the collection agent starts getting scary you can call the intake operator again ask them to hurry it along.

More about the S.C.R.A next week. Then there should be a couple more S.C.R.A postings and then I will be moving on to Chapter 7 bankruptcy.

Obama goes to War.

I apologies about being gone for so long but problems do happen. So please Excuse me as I go political this week. It is so cool writing for a blog that lets me go off on these tangents every now and then.
So as Ed, from the Ed Show say ‘Let’s get to work.’ This last Thursday President Obama declared war. He attacked Putin right in the wallet. SMP Bank of Russia/ St. Petersburg-based Bank Rossiyahas has been isolated. His sanctions blocks the bank from doing business with any bank or financial institution that is American owned or operated.
President Obama also blocked a lot of Putin’s rich friends from accessing their assets held in the United States.
You see President Obama went radical. Much to the displeasure of the crazy republican. Instead of risking expendable assets, living soldiers, Obama has placed assets much too valuable at risk. MONEY.
President Obama’s actions has greatly displeased crazy republicans So much so they are now allowing MasterCard and Visa to resume doing business with the SMP Bank.
They are even blocking further sanctions. Trying to make Obama look weak and useless. You know with some of the history, I have learned lately. Like The real reasons for the Iraq war reasons, Regan torpedoes Carter’s efforts to free the hostages then buying their freedom with arms after being elected, Nixon blocking LBJ’s ending of the Vietnam War so he can get elected,
I have got to wonder if there isn’t somebody egging him on trying to create yet another war. You know Uncle Sam buys multi-billions of dollars of weapons during a war that are never used. After all those weapons are much more valuable than living soldiers.
With the treatment our soldiers receive when they get home, and waiting years for their promised benefits. That is if they are not denied because some paper pusher decides one of their forms wasn’t filled out exactly right. If that happens than the poor veteran has to refill out the paperwork and wait an outer four years. Just to let you know there have been bills put forth by Obama and the democrats to speed up the process but once again crazy republicans have blocked those bills. Then comes Food stamps being cut so veterans can’t feed themselves or their children while waiting for their promised benefits. And after 10 to 15 years of being shot at, and or blown up or veteran’s when after discharged are booted out the door and told go be normal. Are told, if you have a problem dealing with the world after 10 years of terror, or your body is so severely damaged you can’t find or maintain a job. Well sorry about that but if you complain you are just useless and weak so don’t bother us with your problems. Oh yeah, that unemployment insurance you’re supposes to get after your discharge, oh well sorry about that.
Making it very clear, at least to me that crazy republican’s believe soldier are the least valuable and most expendable assets.
Is it any wonder 22 or more veterans are taking their own lives every single day?
Next week I will be posting on what Serf-Dom really is. After all that seems to be were the crazy republican’s seem to be bringing back. Then I will be picking up with the S.C.R.A. I will be going deeper into detail.

Living Wills

Here we are yet again. I am a paralegal not a lawyer so this is in no way to be taken as legal advice this is meant to be legal information only. Just so you know when a lawyer or a paralegal becomes involved your problem become an Issue.

Next on my list is Living Wills which is also called an advanced medical directive.  You see a Living Will is all about what you want to happen while you are still alive and can’t speak for yourself.  You see a Living Will deals with what happens to your money, your kids, to your house and most importantly how you want to be taken care of while you are mentally out of the game.  Let’s not kid around you are going to be very busy fighting for your life to take care of small things. Like what bills get paid and who is feeding your dog.

Let’s start with you are on life supports, a Living Will lets your loved ones know how your doctors can keep you attached to those god awful machines before they have let you go.  If you have advanced cancer you can limit how much your family can do to keep you alive if you have a heart attack

Or say you find certain medical treatments go against your religious beliefs, with a Living Will, on file you can prevent your doctor or some well-meaning loved one from letting those treatments being done, if you are out of it.

A Living will also get covers who you have assigned a Health Care power of attorney or more importantly a Durable power of attorney too. Power of attorney Covering who you want making medical decisions while you are out of it. Including who you want to take care of your assets and more importantly who is taking care your children.

To repeat myself, the more you have in ASSETS, CHILDREN CONCERNS AND BUSINESS OPERATIONS THE MORE YOU NEED A LAWYER.

SIDE-NOT: If you have underage children and the other parent is unable or to be polite unqualified to take them. I can’t say this loud enough you need to set up an assigned guardianship for you children set up. Otherwise your Kids could be given to the 1st blood relative to claim them or the state will get them. If the state gets them it could cost your blood relative a small fortune to get them back.

SIDE-NOTE; An Asset in the legal world is anything such as a house, car, jewelry, bank accounts or stocks and bonds. Say you have written a book and it sells fairly well. It can be anything as long as it has a money value attached to it.

Just so you know a Living Will must be witnessed by your current primary doctor and if you are fighting a possibly terminal illness it has to be co-signed by the doctor in charge   of helping you fight your illness.

Unfortunately the rules and regulations for validating Living Will can and do differ from state to state.

Veteran’s Day

As you have probably have guessed this is going to be another opinion piece.

This Veteran’s day I have spent it watching news and television shows honoring Veterans.  I saw stories of men and women black, white, brown and asain. Men and Women who when asked placed themselves at risk to protect our way of life. Even after finding out they were lied to by their leaders, finding out there was no threat kept their promise to our country and stayed on duty.  Male and female soldiers grievously wounded but able to run away, who stayed and fought off deadly attacked to protect friends and fellow soldiers who could no longer protect themselves.

A White brother who gave up his life to protect a fallen Black brother.  A Black sister who risked all to rescue a trapped Asian brother.  A Brown brother who led the charge bringing relief to soldiers cut off. A pilot who risks death and court martial to fly into heavy enemy fire to rescue dying solders. A nurse who fights off an attack to protect wounded soldiers placed in her care. The rescue of an enemy child.

A pundit once said the first thing a real soldier gives up to survive combat is the ability to see skin color. The only color a true soldier who tasted combat can see is the green.

When you choose to become a soldier promises are made. Promises of help in finding a good paying job after you put away your gun. Promise of education to make your dream a reality. Promises of help in buying the home of your dreams.  A promise that while you risk all for your country, your loved one and your children will be cared for. Promise that there will be help in making the educational dreams of your children real.  Promises of help dealing with the physical pain of combat. Promise of help of adapting to the world after surviving your combat injuries. Promises of help in dealing with the emotional pain of war. Promises of help in living with the horrors of war.

Only to be told when you get off the plane and set down your weapon. All those promises your country made, ‘we will get around to them eventually. It may take 3 maybe 4 years for us to keep those promises but we will get to them. No worries.’   ‘In the mean time you are on your own.’

Then to be told “Thank you for your service you are such a hero.”

Now two or three years into patient waiting for those promises to be kept. With 1.6 million veterans and their families without medical insurance, 1.4 million veterans and their families now homeless. With millions more veteran families barely surviving on food stamps.

Now the Tea party republicans is the house of representatives who have never spent a day in uniform, never risked or worked for anything are saying ‘you know keeping those promises is going to cost just too much so we shouldn’t keep those promises’, ‘Oh yeah, food stamps cost too much money so we should cut food stamps but not the million dollar subsides to million dollar hobby famers. Those subsidies are just too important to cut sorry about that.”

Veteran’s

Forgive me as I go off topic this week. After last week’s post on Captain Ed, I have seen a few political shows commenting briefly, very briefly, on the number of veterans that have wound up in jail.

Side-Note: Check out the Rachel Maddox show she seems willing to take on subjects one else wants to touch. Like American debtors prisons in 2013.

These veterans were charged with everything from simple robbery, sex crimes to out and out, rage murders. No one can seem to understand how or why these men and women are now in jail.

I don’t understand the confusion. After all we’re are talking about men and women who spent the last 10 years in a world where the time to think and evaluate a possible threat simply doesn’t exist. Combat is a world where ‘threats eliminate threats or somebody dies’ is 1st rule of survival.  Combat is a world where every Stranger either a new friend or somebody who wants to kill you, no shades of gray. The shades gray that’s a part of the mundane world is exceptionally rare in combat.  Imagine standing in line to buy groceries and the person ahead of gets mad at the cashier. Three or four things are gonna happen, anything from a few angry words, to a cop arresting the unhappy customer.  Now in combat world you’re at a local shop were you just brought something than somebody walks in and starts screaming. A bomb goes off.

In the movie ‘My Cousin Vinnie’ staring Joe Pesci. There is a sub-plot to the story, Joe Pesci’s search for a good night’s sleep. It took a full-blown prison riot for him sleep peacefully. Funny huh?   Not if this is your normal world.

Now you come home after 10 years of living in combat world.  You get a day maybe two out processing and then you are back in the mundane world where every skill you’ve learned, every instinct you’ve developed staying alive is now bad.  Plus you are told those benefits, especially the medical benefits, we promised you for your service, don’t worry you’ll get them when we get around to it. No worries.  In the mean time you are on your own.

Oh yeah, thank you for your service to our country, you are a hero.

How would you feel? Think about it, you’ve just spent the last 10 years risking your life, watching friends and co-workers killed. Your home-coming is a pat on the head and being told now go be normal. Just like a 9-year-old being told to go out and play.

Is it any wonder these veteran’s have a hard time adjusting to the mundane normal world. We learned nothing from Vietnam War, except to sound nicer to our veterans.

Well that is my vent.  As a veteran, this is something that really matters to me.

Next week, I’ll continue with money& lawyers I’m will be getting into the costs of practicing law.