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Saturday, October 6, 2012

Tips for Removing Credit Judgements, Halloween Deals

Bruce’s Poor Man Survival Bulletin

A Digest of Urban Survival Resources

For Independent Minded People!

ISSN 2161-5543

In This Issue:

1.       Citizen Ownership Rights

2.      Best deals in October, for Halloween

3.      Tips for removing credit judgements

4.      Free software programs


The greater the power,  the more dangerous the abuse. –Edmund Burke



Citizens for Ownership Rights Collecting Petition Signatures to Protect Rights to Resell

An upcoming Supreme Court case, Kirtsaeng v. John Wiley & Sons, involves an eBay seller who was sued by a textbook publisher for reselling books. The seller, a graduate student and entrepreneurial seller, sold the books to help cover tuition expenses. These were legitimate books that the book publisher manufactured overseas — they were not counterfeit, pirated, or stolen. Yet, the publisher is trying to use U.S. copyright law to stop the book sales and make the seller pay $600,000 in damages – more than 15 times what he made from selling the books.

It is possible that an extreme application of U.S. copyright law might enable manufacturers to force retailers and consumers to first have to obtain permission from the manufacturer before reselling or even donating goods manufactured overseas. This rule could affect most of the goods we use every day, from books to cell phones. Manufacturers would retain ownership of an item no matter how many times it changes owner. This rule could threaten the laws of ownership and resale that we all enjoy.

When you purchase an item on eBay, you should be able to resell it, give it away, or use it as you see fit. Likewise, when you sell an item on eBay, ownership of the item should transfer to the buyer.

Citizens for Ownership Rights (CFOR) is a coalition of public interest organizations asking individuals to stand up for their rights as buyers and sellers. CFOR is currently gathering signatures for a petition that will be sent directly to the President and Attorney General urging them to support the rights of Americans to purchase legitimate goods, resell those goods, give them away, or use them in any legal manner as they see fit. Visit and sign the petition to protect your ownership rights.


Best buys in October PLUS price trend information, check out this consumer shopping research page


PM’s Compendium of Useful Resources


Tips for Removing Credit Judgements

1. The Statute of Limitations. If the SOL for the judgment has expired (and the judgment can't be renewed), this could provide an opportunity for easier negotiations and/or removal (since the judgment holder can't take further legal action.) The length a judgment remains enforceable varies by state and can be tricky, so it is best to check with an attorney in your state to avoid trouble.

2. Disputing issues related to the judgment listing itself, as it appears on the credit report. Sometimes information is missing or wrong, and these are things that you have a right to dispute. If the disputes come back verified you can follow up using the well known "method of verification" (MOV) technique.

3. Negotiation/Settlement - You can attempt to settle with the judgment holder, offering to pay a certain amount in exchange for (at best) removal or (at worst) "paid in full" status. A satisfied judgment will remain on your credit report until you either dispute it or it falls off on its own. It's possible that a judgment that has been paid will not be updated as such on your credit report. Correcting this could take going through the court that rendered the judgment in the first place. At that point you could proceed with disputing based on problems with the credit report listing as described in number two above.

4. Vacating a judgment - If there was a problem with the process in which the judgment was obtained (such as you were not properly served, or the legal process was not otherwise followed completely), then it may be grounds for getting the judgment dismissed in court.

The best way to deal with judgments in the long run is of course to avoid them altogether. Don't ignore debt collectors, especially when the debt is large (and they are more likely to sue you.) Don't ignore your creditors either. If you take steps such as negotiation or debt validation earlier in the game, you may be able to avoid the judgment.

Free Checking No More: Thanks, Dodd-Frank!
Free checking accounts, once considered common, are becoming increasingly rare as the enormous costs of new regulations hit banks' bottom lines.

According to the just released 2012 Checking Survey by Bankrate, Inc., a publisher of financial information, only 39 percent of banks continue to offer free checking accounts, a sharp decline from the 76 percent of banks that offered free checking in 2009--before enactment of the massive Dodd-Frank financial regulation statute.

Save with Halloween deals, coupons and FatWallet cash back. Shop the best Halloween sale for cheap costumes, free shipping, candy deals and decorations.

Best and Worst Buys of October

It's a good time to start setting aside cash for holiday purchases so that you don't go into debt buying gifts (as I wrote in Save -- or Earn -- $1,000 by Black Friday). But now is not the time to start your holiday shopping if you're looking for deals. That's because only a few items traditionally go on sale in October. Here are the best and worst things to buy now, according to, which analyzes deals from past years to predict what will be discounted this year.

A new audit of IRS practices found the group may have overlooked some taxpayers' legal representatives in collection investigations.

Free-Three software programs including:

Christmas Greens: I just lost my job, our staff replaced by technology. I went to the Rescue Squad's Christmas Tree lot and was told to help myself to the mountain of tree litter, with huge branches of fragrant pine loaded into my car, I made wreaths and garlands for the deck and arbors.


The Nanny State Updates…

A Few ‘Firsts’ for Obama…

• First President to Violate the War Powers Act (Unilaterally Executing American Military Operations in Libya Without Informing Congress In the Required Time Period - Source: Huffington Post)

• First President to Triple the Number of Warrantless Wiretaps of U.S. Citizens (Source: ACLU)

In August, two activists groups, The Raw Milk Freedom Riders and Lemonade Freedom Day, joined forces to protest in D.C. and tell government to "butt out" of their food choices, according to a Washington Times report.

The Lemonade Freedom Day's main contention is the disturbing trend with local authorities shutting down children's lemonade stands for supposed public health reasons.

And The Raw Milk Freedom Riders' gripe is the FDA forbidding them to buy and sell fresh unpasteurized milk across state lines and using militarized agents to close down local dairy farms.

A 2-year bipartisan investigation by the U. S. Senate Permanent Subcommittee on Investigations has found that DHS efforts to engage state and local intelligence “fusion centers” has not yielded significant useful information to support federal counterterrorism intelligence efforts; the report says that senior DHS officials were aware of the problems hampering effective counterterrorism work with the fusion centers, but did not always inform Congress of the issues, nor ensure the problems were fixed in a timely manner; DHS estimates that it has spent somewhere between $289 million and $1.4 billion in public funds to support state and local fusion centers since 2003

The Parting Thought-


The costly intelligence effort since 9/11 has largely failed, according to a scathing analysis.

After the report I wrote a week ago about the failure of the TSA to catch a single terrorist and the $8.1 billion budget DHS has – Despite a bankrupt national budget, I’m glad to see the mainstream press finally awakening to the facts…

Intelligence effort named citizens, not terrorists

WASHINGTON (AP) — A multibillion-dollar information-sharing program created in the aftermath of 9/11 has improperly collected information about innocent Americans and produced little valuable intelligence on terrorism, a Senate report concludes. It portrays an effort that ballooned far beyond anyone's ability to control.

The lengthy, bipartisan report is a scathing evaluation of what the Department of Homeland Security has held up as a crown jewel of its security efforts. The report underscores a reality of post-9/11 Washington: National security programs tend to grow, never shrink, even when their money and manpower far surpass the actual subject of terrorism.


Despite that, Congress is unlikely to pull the plug. That's because, whether or not it stops terrorists, the program means politically important money for state and local governments.


LEAKED! Here's The White House's Draft Cybersecurity Executive Order

The White House was working on an executive order to act as a "stand in" for cybersecurity legislation that has so far failed to pass Congress (CISPA passed in the House, but a different effort, the Cybersecurity Act, failed in the Senate, and it would have been difficult to get the two houses aligned anyway). Last weekend Jason Miller from Federal News Radio wrote about a draft he saw... but failed to share the actual draft. We got our hands on a draft (and confirmed what it was with multiple sources) and wanted to share it, as these kinds of things deserve public scrutiny and discussion. It's embedded below. As expected, it does have elements of the Lieberman/Collins bill (to the extent that the White House actually can do things without legislation). It's also incredibly vague. The specific requirements for government agencies are left wide open to interpretation. For example, the State Dept. should engage other governments about protecting infrastructure. Well, duh. As expected, most stuff focuses on Homeland Security and its responsibilities to investigate a variety of different cybersecurity issues -- but, again, it's left pretty vague.


Download our series of reports on Taking America Back from Dysfunctional Politicians at:


 “Until the next revolution”, the Poor Man


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