These States Will Revoke Your Driver’s License If You Can’t Pay Back Student Loans

January 19, 2015

(Reagan Ali) Most of the nation is unaware of it, but there are two states which will take your driver’s license away if you do not pay your student loans.

Alums in both Montana and Iowa, face laws that allow the state to revoke driver’s licenses if the individual is unable to pay back their loans.

This has obvious consequences for potential employment, as well as childcare, creating a downward spiral of self-perpetuating poverty.

The Montana Department of Justice says that those who default on their student loans face “indefinite suspension until student loan association notifies Motor Vehicle Division of compliance.”

The Department of Motor Vehicles in Iowa parallels this legislation almost identically. The law says that the State will “suspend a person’s driver’s license upon receiving a certificate of noncompliance from the College Student Aid Commission in regard to the person’s default on an obligation owed to or collected by the commission.”

But the group Jobs With Justice notes that in October 2010, there were also 42 nurses in Tennessee who similarly had their licenses suspended for nothing other than falling behind on their student loans.

The irony of all of this is that taking away the ability to drive makes student loan defaulters even more certain to fall behind on payments.

In effect, this is little different than debtors prison, which, in a misguided effort to deter loan default, actually perpetuates it.

Source govtslaves

Bad Paper: How To Outsmart the Debt Collectors - Indebted or not, good info

by Felix Salmon @felixsalmon

​from fusion.net​

Updated 08/15/2014, 11:03AM

Are you being hounded by debt collectors? You're not alone. Once you go into debt -- even if it's something as benign as paying for something with a credit card, or borrowing to go to college -- then you owe someone else money, and sometimes you're not able to pay back everything you borrowed. And when that happens, the debt starts to get traded: the initial lender will write off the debt, and sell it to a collector. For example, if you borrowed money from a bank, but now the bank has written the loan off, then you no longer owe the bank but a debt collection agency. And the people who work for collection agencies can be very aggressive.

Jake Halpern's great new book, Bad Paper, an adaptation of which is published in The New York Times Magazine, follows a number of these collectors -- many with multiple felony convictions to their name -- around Buffalo, New York, the center of debt collections in the US. According to the Urban Institute, roughly 77 million Americans, or 35% of adults with a credit file, have a report of debt in collections. In some places, that number is significantly higher: In Las Vegas, for instance, it's 50%¹. Of that 35%, most do the wrong thing when approached by debt collection agencies. Their first instinct is to hang up the phone, to run away, to try to ignore the problem, which almost never works. What does work: Taking action like writing a letter to the company in question, instructing its representatives not to contact you. This generally does the trick -- until the collection agency sells your debt to yet another collection agency.

As Halpern's book explains, the unluckiest of debtors end up being taken to court by one of these agencies, in which case they have to show up -- or risk a default judgment being taken out against them, and their creditors given the opportunity to seize their bank accounts, their salaries, and just about anything else they own. 

When a debtor shows up to court, there's a wrong thing and a right thing to do. The wrong thing is for the debtor to settle the case; the right thing is for the debtor to contest it, and ask the creditors to prove that they have title to the debt in question. Almost nobody does this -- but if the debtor does it, he will walk out of that courthouse without owing a penny. The reason? When lenders pass debt onto a collection agency, they don't formally transfer title to the debt. That would be too expensive, given how little they are selling the debt for. So instead they just pass over a simple spreadsheet, with a debtor's name and the amount of money he owes. And that spreadsheet will never stand up in court.

In general, it's a good idea for people to pay their debts. But there's an exception to that rule, and that's when those debts have already been defaulted on. At that point, a person's credit score is completely shot, the people who lent the money have already written it off, and even if the debtor pays the collectors back in full, the original lenders won't see any of the cash. So if a debt collector armed with nothing more than a spreadsheet and a phone number starts pestering you for money, treat him the way you would any other cold-caller looking for your cash: Tell him not to contact you any more -- and then, in the unlikely event that you receive a summons, tell him he has no title to your debt and that you're not going to pay him a penny.

---

¹ The number of Americans with debt in collections is not an easy figure to define, let alone measure: there's no central database of such things. Bad debts never really go away, they just get older and harder to collect on. Which means that while it's pretty easy to get added to the list of Americans with debt in collections, it's very hard to drop off the list. Other statistics, showing 30 million or 35 million Americans with debt in collections, generally look only at debt which has been active in the past 3 months or 12 months. But Americans get pestered every day over debt which is many years old.

Book Exposes the Effort to Introduce Radical Political Philosophy into K-12 Classrooms

1st. published by CV on 30 Nov. 2011 

by Education Action Group 
 

MUSKEGON, Mich. – We’ve always known that teachers unions are very political organizations, and many of their more radical members are active in left-wing causes.
That’s their right, as long as they pursue their activities after school.

But more and more American K-12 teachers are bringing their politics into the classroom, brazenly acknowledging their effort to indoctrinate and recruit a new generation of radical, anti-American students.

“The long period of self-censorship among educators regarding class and labor issues may no longer hold,” wrote radical educator Rob Linne in his book “Organizing the Curriculum.”


“We cannot claim to be teaching for social justice if we ignore the class warfare being waged all around us. Bringing labor into the arena of K-12 education will undoubtedly meet political resistance, but an increasing number of educators are motivated to take up the challenge.”

That frightening approach to teaching is what motivated Education Action Group to publish a new book titled “Indoctrination: How ‘Useful Idiots’ are Using Our Schools to Subvert American Exceptionalism.”

You can watch a short promotional video for the book by clicking here.

The book, authored by EAG Chief Executive Officer Kyle Olson, with assistance from staffers Ben Velderman and Steve Gunn, is available on Amazon.com.

It explores dozens of examples of radical public school teachers and their politically active unions taking liberty with our children by teaching left-wing philosophy as fact.


It also illustrates how radical left-wing think tanks around the nation are producing and distributing special lesson plans that attack the fundamentals of American society and plant the seeds of class warfare in young minds.

In his foreword for the book, FOX News contributor and former Clinton advisor Dick Morris bemoans the fact that educators are willing to brainwash young minds before they have the ability to fully understand and judge issues on their own.

“We have become accustomed to hearing American history and politics misinterpreted by leftist university professors,” Morris writes. “But (now) we see the insidious indoctrination at the elementary and secondary levels. At least university students can think for themselves.

(The book) explains how 7- and 8-year-olds are taught to embrace an atheistic, leftist philosophy virtually from the time they enter school.”

I, Tomato
The book clearly illustrates that teachers unions want to create a future class of organized labor activists or sympathizers.

A curriculum produced by the radical California Federation of Teachers is called “ Golden Lands, Working Hands.”

To reverberate with its adolescent audience, the lesson features a rap video with the lyrics, “The age of railroads meant mass transportation, but did rich men make the trains of our nation? Psych! It was the working people who laid the tracks. And see who did the work and got the job done. While lazy lone ranger was out havin’ fun.”

After the minimum wage line, the cartoon character in the video falls in the grave he just dug for himself, then a pig rises out of a pile of money bags. There is nobody in the video defending the “pig” who invested the money to build the railroads and create the jobs. That would have destroyed the whole purpose of the lesson.

Younger students are not immune from these very political “lessons.”

There is a popular story/lesson plan for young children titled “I Tomato.” The main character, a tomato plant, tells readers about the loving care it received from various migrant workers, and how it was mistreated by being sprayed with pesticides.

The story gives full credit for food production to the field workers – “Juana, Dolores and Rajib; Finoy and Carlos, Connie, Lupe, Marcos and Jose Manuel – it is to them I owe my life and you owe your tomatoes.”

That’s great, but what about the investor who risked his savings to establish the farm, hire the workers and provide the necessary materials to grow the tomatoes? No mention of him.

But the kids do get a union promo at the end of the story:

“Many farm workers belong to a union,” the story says. “Do you know what a union is? If you were a worker, would you want to belong to a union? How can you find out if your fruits and vegetables were picked by union workers?”

The book also discusses Chicago teacher Kati Gilson, who taught her preschoolers about her 2011 trip to Madison to protest the collective bargaining policies of Wisconsin Gov. Scott Walker. She also taught them new words like “strike,” “collective bargaining,” and “negotiate.”

“My preschoolers understand what a protest march is and why it is important,” Gilson wrote.

“As we gear up for what looks like a big battle it is important for us to teach our children and families why we are taking a stand.”

Is this what we pay school taxes for?

What would the Black Panthers do?

Many radical teachers obviously want their students to disapprove of the United States and mistrust their government.

One chapter in the book explores the growing pattern of teachers leading elementary children to recite the Pledge of Allegiance to the Earth, instead of America. One educator, Rosalie Tyler Paul of Maine, wrote a piece calling for everyone to reject love of country and embrace globalism.

“We can see that the nation is not the parcel most in need of our loyalty and allegiance,” Paul wrote. “The purpose and courage we need can be found better in Earth citizenship that in nationalism.”

Wayne Au, a former Seattle high school teacher, wrote about teaching his students the story of the violent Black Panthers and their “Ten Point Program,” and encouraging students to develop their own lists of political priorities, based on modern issues.

One successful student wrote, “We want the mask of capitalism lifted and economic classes disbanded,” and “The enslavement of the middle of the lower classes by the bourgeoisie must end.” Au praised the student’s work for its “relentless attack on corporate America.”

Even school math lessons are not immune. One chapter of the book refers to “The Guide for Integrating Issues of Social and Economic Justice into Mathematics Curriculum,” by Jonathan Osler.

In his guide, Osler suggests giving a lesson about mathematical averages using casualty numbers from the war in Iraq. He suggests teaching probability by having students explore the probability that a police traffic stop will target a person of color. He also calls for a geometry lesson based on “environmental racism” that would require students to “determine the density of toxic waste facilities, factories, dumps, etc. in the neighborhood.”

Way to go, Mr. Osler. Instead of teaching a generation of youngsters to appreciate their nation and the freedom they have to make their lives better, you want to create an angry bunch of revolutionaries who are determined to destroy the very system that makes it possible to work for change.

As one blogger who reviewed our book wrote, “Olson shows that kids are being taught everything but what parents are sending them to school to learn. This is a solid book, but it’s shocking in what it uncovers.”

VIDEO: Why the US is Deeply Insolvent & Only One Unfriendly Door Out

VIDEO: Why the US is deeply insolvent

Posted on September 21, 2014 by Chris Martenson
 

Building on the previous chapter on the US’ tremendous and exponentially-increasing debt, this chapter looks at the shocking shortfall between our nation’s assets and its liabilities.
 
In short, America is deeply insolvent. We’re just not admitting it yet.
 
Perhaps not surprisingly, official statistics leave out our unfunded liabilities when calculating the net worth of the nation. Once these liabilities are added back in, America’s net worth plunges into the negative tens to hundreds of $trillions.
 
In the last chapter we noted how our vast debts place an unfair and immoral burden on future generations, and realistically can and will never be pad off. Factoring in the unfunded liabilities just makes the situation beyond absurd.

For the best viewing experience, watch the above video in hi-definition (HD) and in expanded screen mode

 
Coming next Friday: Chapter 15: Demographics
 
For those who simply don’t want to wait until the end of the year to view the entire new series, you can indulge your binge-watching craving by enrolling to PeakProsperity.com. 

The entire full new series, all 27 chapters of it, is available — now– to our enrolled users.
 
The full suite of chapters in this new Crash Course series can be found at www.peakprosperity.com/crashcourse
And for those who have yet to view it, be sure to watch the ‘Accelerated’ Crash Course — the under-1-hour condensation of the new 4.5-hour series. It’s a great vehicle for introducing new eyes to this material.

Rep. Virginia Foxx(R-NC) will Win Reelection Easily, So Why is She Raking in Big Money from Donors?

Federal interference and involvement in public education was never a granted right to the federal government, so why are the states' constitutions to do so being violated? Expelling the federal government in their schools via Nullification is the people's lawful choice to end it, and end the federal tax burden as well!

Sunday, May 25, 2014

Rep. Virginia Foxx

Virginia Foxx, a Republican who represents North Carolina’s Fifth Congressional District, should have a pretty easy time of it this fall. She’s running for her sixth term in the House of Representatives is popular in her district and her Democratic opponent is woefully underfunded. So why is she pulling in cash from out-of-state corporate donors?

For the answer, you must go back to school. A for-profit school. Foxx is the chair of the House Education Committee’s subcommittee on higher education and workforce training. As a result, she has a big role in deciding whether for-profit schools, many of whose graduates have trouble finding work in their chosen fields, need to be held to higher standards.

Foxx has raised $823,000 so far in campaign funds, 51% of it from out-of-state donors, according to OpenSecrets.org. The largest single contributor to Foxx’s campaign is Corinthian Colleges, based in Santa Ana, California. Corinthian is under investigation by California Attorney General Kamala Harris, who has said the company has engaged in “deceptive and false advertisements and aggressive marketing campaigns that misrepresented job placement rates and school programs.” Seventeen other states are investigating the school for various violations.

The federal government is also investigating Corinthian. The Security and Exchange Commission (SEC) in June 2013 issued a subpoena to the company concerning student recruitment, degree completion, job placement, loan defaults and compliance with U.S. Education Department rules, according to the Republic Report. Later that year, the company reported that it was being investigated by the Justice Department for violation of the False Claims Act. And in December, December 2013, the Consumer Financial Protection Bureau notified Corinthian that it would pursue legal action against the company for violation of federal laws with respect to private student loans.

Many students get some form of federal aid, in grants or loans, to attend college. The Department of Education has proposed rules that would withhold federal funding from schools depending on the share of their students who wind up employed, fail to graduate or leave school heavily in debt.

For her part, Foxx wants to ensure that the spigot of federal money continues to flow to for-profit colleges. She sponsored the The Supporting Academic Freedom Through Regulatory Relief Act, which would prohibit the Secretary of Education from “engaging in regulatory overreach” in deciding whether schools can get federal aid. The bill was approved by the House Education Committee and awaits action by the full House.

-Steve Straehley

To Learn More:

Hot Race in NC-5? No, but Foxx is Hauling in Out-of-State Cash (by Russ Choma, OpenSecrets.org)

Top Donor for House Education Chair is For-Profit College Facing Federal and State Fraud Probes (by David Halperin, Republic Report)

Wells Fargo Main Investor in Nation’s Worst Private College Company (by Noel Brinkerhoff, AllGov)

State Sues California’s Largest For-Profit College Company for Fraud (by Ken Broder, AllGov California)

The Shocking Increase Of College Tuition By State... And Why

Submitted by Tyler Durden on 05/07/2014 

It is common knowledge that in the hierarchy of bubbles, not even the stock market comes close to the student loan bubble. If it isn't, one glance at the chart below which shows the exponential surge in Federal student debt starting just after the great financial crisis, should put the problem in its context.

How Homeschooling keep us free in Michigan

Editorial: Why Homeschooling Remains An Important Option

January 17, 2014 by Dick Manasseri

There are many socialist and communist countries where it is illegal to homeschool. Despite outside efforts to control home education, it is still legal to homeschool your children in America.

U.S. Education Department's Student Debt Collector Accused of Ruthless Tactics

It's not unusual, just disappointing, that the author Brinkerhoff failed to inform his readers that taking money from taxpayers and lending it to another class is blatantly un-Constitutional.

Lesbian boss 'fired me for being straight'

Yup, you got it. New York again advancing the Marxist agenda emanating from our politicos in the federal government.....and now the NY legislature!

Let's make sure this plague stops at the NY borders and not infect other states with this sovereign-destroying virus while convincing YOU to be a wandering collectivist zombie, too.


Termination with a wrist slap are not enough for department head Krieger (pictured below with the prounounced overbite). Charges are warranted just as gay-bashers get whacked by our gender-specific discriminating laws.

You're not really attending this school with a student loan are you?

The Fed Must Inflate - Chris Martenson - Mises Daily

Mises Daily: Thursday, November 28, 2013 by Chris Martenson

The Fed is busy doing everything in its considerable power to get credit (that is, debt) growing again so that we can get back to what it considers to be “normal.”

Education Dept. Reaps Profits from Student Debt

One of the bigger reasons why our Founders reserved the power of education to the sovereign states!


Friday, November 22, 2013

While President Barack Obama has lauded the importance of helping students afford higher education, his Department of Education has made billions of dollars in profit off student loans.

The Rise of an American Debtcropper System for the Young

Tuesday, October 22, 2013

Source nakedcapitalism

Readers have often been using the term “neofeudalism” to describe the outlines of the new economic order, in which the uber wealthy and a thin cadre of their advisors, managers, and other elite professionals do well, with a network of less lofty managers helping oversee and orchestrate the provision of services to the broad base of the public, and they struggle to eke out a meager existence.

The (Needed) Revolution Emerging in Higher Education

Sunday, October 06, 2013

Higher education is just the latest in a long line of labor-intensive industries with enormous fixed costs that now faces competition from new technologies and new far more efficient systemic processes.

How an Economy Grows and Why It Doesn't (by Irwin Schiff) - YouTube

Simplistic in the presentation, but even then Americans can’t grasp the significance of its message. Can you? Think of it this way: every dime you spend is a conscious decision for you to go without (sacrifice) something else. [Caution: May not be suitable for intellectuals and many college-educated who've been mind-cleansed of logic]
(by Irwin Schiff)

US The Higher Education Bubble *vid*

America is facing a higher education bubble. Like the housing bubble, it is the product of cheap credit coupled with popular expectations of ever-increasing returns on investment, and as with housing prices, the cheap credit has caused college tuitions to vastly outpace inflation and family incomes. Now this bubble is bursting.

More videos like this

29 Shocking Facts That Prove That College Education In America Is A Giant Money Making Scam

By Michael, on May 7th, 2013

 

College education in the United States has become a cruel joke.  We endlessly push our high school kids to invest tens of thousands of dollars and at least four years of their lives to get a college education because they won’t have any sort of a “future” without it.

Money Is A Form Of Social Control And Most Americans Are Debt Slaves

 By Michael, on February 19th, 2013
Is America really "the land of the free"?  Most people think of money as simply a medium of exchange that makes economic transactions more convenient, but the truth is that it is much more than that.

How much is the college rite of passage worth?

The most educated and indebted generation ever – Average student debt has tripled since 1990 while earnings have gone stagnant for college graduates.

Student debt crisis enters a tipping point – Delinquent student debt defaults spike

Delinquent student debt now reaching record levels as defaults spike. Paying more and earning less.

Posted by mybudget360

The great deleveraging event continues to unwind while one sector of debt continues to grow by leaps and bounds.

Are You a Student Loan Deadbeat? Your Social Security Might Be Garnisheed to Help You Pay Your Debt

...Noooo, you can't roll it forward like government debt.  Who do you think you are? Unless, of course, you're a counterfeiter like the Fed.

Still Paying Pesky Student Loans? Your Social Security Might Be Collateral Damage

Posted: August 10, 2012 

If you’ve been eye-balling early retirement but still owe on your student loans, you might want to think again. According to new reports, your Social Security benefits might be garnished to cover the bill.