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Messages - DaBoo

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61
It is illegal for any credit/debt collection agency to threaten you or insult you. When I graduated from college, another student stole a book of my checks and forged them all over town. For over a year debt collectors tried these slimy tactics in order to recover their money, and I didn't know any better but to feel threatened. Finally, the assistant commonwealth's attorney working on the case flooded the offices of these collection agencies with official court correspondence proclaiming my innocence, and they now leave me alone.

Get to know your rights. The laws of your state are going to provide your greatest (most immediate) protection. Find out how these agencies are allowed to contact you (i.e. Are the prohibited from calling your home? Most likely they are), and WHAT INFORMATION they are allowed to convey when contact is made. If there are specific laws that state they may only tell you how much you owe, by when you must make payment and to whom, then they have been acting illegally with the use of insults and threats. Most likely they are allowed to mention court action, but only in reference to an actual court date to settle the issue.

Once you know your rights, type them up and keep them near the phone. Read them whenever you receive a call, and keep a form letter on file for any threatening mail you receive. Make sure you always ask for the first and last name of anyone who calls you, and ask for an employee number if they refuse to answer. RECORD THIS INFORMATION, because it can (and most likely will) become helpful later. Finally, contact your legal aid office, and start gathering recommendations for a more efficient debt reduction service. 

And I completely agree that collection agencies are often inclined to break the law, and the sad thing is that they usually get away with it. That's why it's so important to know your rights -- and to let anyone who threatens you know them as well.

Good luck.


62
Law School Admissions / Re: Fewer posts lately
« on: April 19, 2004, 10:54:24 AM »
A pre-law book club might spark some discussion for a while ...

We could read something law school related, like PLS or Law School Confidential ... or we could read something completely off topic ...

Here's a good one for ya: What should I watch now that "The Apprentice" is over?

63
Choosing the Right Law School / Re: American U
« on: April 18, 2004, 02:28:00 PM »
Thanks for the info! I was accepted after the admitted students day. Do you know if they will have another one?

Also, what were your impressions? Where are you planning on attending?

64
Law School Admissions / Guaranteed admission -- Part-time U of MD
« on: April 18, 2004, 02:19:19 PM »
Anyone else applied to the U of MD part-time program (i.e. the evening division)? If so, have you received a decision?

Also, does anyone know what the UGPA and LSAT stats were for 2003? I've looked on lawschoolnumbers, but it's hard to find info on the PT program.

Thanks!

65
Law School Admissions / Re: What do you want to do with your JD?
« on: April 18, 2004, 02:01:56 PM »
Clerkships don't hurt either, but they are hard to come by.

66
how about the decision between the very cold and far away #19 university of minnesota and the close to home and comfortable #56 american?  am agonizing over this.

i'd choose american because of its location.

67
Law School Admissions / Re: What do you want to do with your JD?
« on: April 18, 2004, 01:39:17 PM »

It sounds like you have your plans worked out well, good luck with them.  As far as teaching goes, I'm realistic about the difficulty of getting a top job, but it's what I want.  Ideally, I'd teach at NYU or CLS, but those are just things to dream about when I haven't even started school yet. . .

Well, I think you're off to multiple good starts, zpops. One thing all of my favorite professors had in common was their dedication to students and willingness to offer advice and support. Not only do you already have a stellar background going into law school, you seem to have the same willingness to help, which I think will make you an asset in academia.

But that is just the opinion of a geek who can't wait to get back in school.

68
Law School Admissions / Re: What do you want to do with your JD?
« on: April 18, 2004, 12:27:30 PM »
zpops,

I know, legal librarianship is not a particularly lucrative field. However, I am truly interested in it, and would love to be in an academic setting the rest of my life. My plan is to go to school part-time in DC, have my current employer pay a portion of the bill, and hopefully accrue only $40K or less in debt. I'm in a situation right now where this seems possible, but it all can change as soon as school starts.

You want to teach, correct? Have you thought about where you want to teach before you replace Rehnquist?  ;)

69
Law School Admissions / Re: What do you want to do with your JD?
« on: April 18, 2004, 11:54:01 AM »
I'm a geek -- I'd like to be a legal research librarian at a university (preferably UVA or another beautiful southern school). Or, I would like to be a congressional research librarian for the LOC.

70
Acceptances, Denials, and Waitlists / Re: Part-time in D.C.
« on: April 18, 2004, 10:08:33 AM »
ccptexas,

You have great stats, so I am sure you will do well. Out of all the D.C. law school students I've talked with, American tends to get the highest praise. Plus, it's in D.C., and the opportunities seem pretty endless. I'm especially interested in public interest work, and there is much more of that in D.C. than in Charlottesville ...  ;)

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