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1 day 20 hours ago

By Andrew J. Hawkins

Uber filed a lawsuit on Friday to overturn New York City’s first-in-the-nation law capping the number of ride-hail drivers that operate on its streets. The law, which went into effect last August, paused the issuance of new licenses to drivers for 12 months. But Uber wants the law overturned for fear that the city will ultimately make the cap permanent.

The law was part of a sweeping legislative package passed by the New York City Council last summer to give regulators more control over e-hail companies. In addition to the cap, the city council also approved a minimum pay standard among drivers, with the goal of reducing how much time empty cars spend on the road.

Supporters claimed the cap is necessary to examine the impact of app-based cars on worsening traffic congestion in the city. But the cap amounts to a “ban first, study later” approach, Uber argues. According to the suit filed in the New York Supreme Court:

Rather than rely on alternatives supported by transportation experts and economists, the City chose to significantly restrict service, growth and competition by the for-hire vehicle industry, which will have a disproportionate impact on residents outside of Manhattan who have long been underserved by yellow taxis and mass transit. The City made this choice in the absence of any evidence that doing so would meaningfully impact congestion, the problem the City was ostensibly acting to solve.

While wildly popular among riders, Uber and Lyft have been a source of almost constant grief for policymakers, disability advocates, taxi medallion holders, and driver groups. Critics complain that Uber and Lyft have been allowed to dominate the market without having to follow many of the same rules that apply to taxis. This has led to a glut of drivers that has outstripped demand, driving down wages and increasing traffic congestion. At the time, New York City’s law capping the number of drivers was held up as a potential model for other cities that want to rein in the ride-hail industry.
For NYC mayor Bill de Blasio, the cap was also an opportunity for a do-over. He first proposed to limit the number of new Uber and Lyft vehicles in 2015, but ultimately dropped it after a bruising public relations battle with the app companies. Finding success his second time around, de Blasio has said publicly he’s inclined to keep the cap in place after the 12-month period expires.
“We’re going to put ongoing caps in place on the for-hire vehicles and we’re going to work to increase the wages and benefits [of] the drivers,” he said in a recent radio interview. Uber says this amounts to a “‘post hoc rationalization’ of a remedy the City appears to have already selected,” according to the suit.
A spokesperson for de Blasio did not immediately respond to a request for comment. A spokesperson for the city’s Law Department declined to comment until the lawsuit had been filed.
An Uber spokesperson said the cap blocks new drivers from receiving the benefits from the wage hike. “The City Council’s new law guarantees a living wage for drivers, and the administration should not have blocked New Yorkers from taking advantage of it by imposing a cap,” the spokesperson said. “We agree that fighting congestion is a priority, which is why we support the state’s vision for congestion pricing, the only evidence-based plan to reduce traffic and fund mass transit.”
The number of new app-based vehicles in New York City has surged in the past few years, growing from 63,000 in 2015 to over 100,000 today. These new vehicles have added an unprecedented number of new miles driven in New York City, according to a recent analysis by traffic analyst Bruce Schaller. Trip volumes have tripled in the last year and a half, and 600 million driving miles were added citywide. In addition, Schaller found evidence that ridership was shifting from public transportation to ride-hailing apps.
Meanwhile, taxi medallion owners have seen the value of their licenses drop steadily since Uber’s arrival. Saddled with debt, some taxis drivers have committed suicide — six in as many months.
“Uber thinks it is above the law,” said Bhairavi Desai, the executive director of the New York Taxi Workers Alliance. “The company wants the right to add more and more cars to our streets without limit. But there is a very human cost to Uber’s business practices.”
 The cap was originally presented along with a proposal to increase wages for ride-hail drivers. That law, which went into effect on February 1st, mandates the wage floor of $17.22 per hour after expenses for drivers, or $26.51 per hour before expenses. Lyft filed a lawsuit to block the implementation of the wage law, but it later confirmed it would pay its drivers the increased rates.
Uber’s lawsuit came a day after Amazon stunned the city by pulling out of its deal to build a second headquarters in the borough of Queens. Julie Samuels, executive director of Tech:NYC, a nonprofit that helps grow tech companies in the city, said she’s concerned that these combined events will send the message that New York’s elected officials are “putting a target on tech’s back.”
“I’m not worried about Uber,” Samuels said. “I’m worried about the next company that will think twice before coming here.” 
© 2019 Vox Media, Inc. All Rights Reserved. 


2 days 17 hours ago

Do I have to pay taxes if I file bankruptcy?
What is forgiveness of debt income?
When you owe money and do not pay the full amount of the debt the lender is required to file a 1099 form with the IRS showing that you had phantom income in the amount the creditor forgave.  This is referred to as ‘forgiveness of debt’.
Exceptions to forgiveness of debt:
Certain instances of “forgiveness of debt” cannot be taxed – typically bankruptcy is one of those exceptions.  These exceptions are listed on IRS form 982, which you must fill out and file with your tax returns.  Make sure to read and follow the directions when filling out the form.
taxesNegotiating a settlement of debt vs bankruptcy
Negotiating a settlement of a debt will lead to tax obligations.  Many of my clients tried to settle their own debts (either by hiring a company or doing it on their own), unfortunately no one warned them about the tax problems.  These tax issues cannot be discharged in bankruptcy; at least for several years.  Had my client filed bankruptcy to discharge the debt then, in most consumer cases, there are no tax consequences.
I filed bankruptcy then received 1099 Income Statement from a creditor.
When you receive a 1099 form after filing for bankruptcy then file the 982 form (discussed above).  Mark the box that you filed bankruptcy and file the form with your tax returns.  Keep a copy for your records.
Note – if the creditor forgave the debt prior to you filing for bankruptcy protection you may be faced with tax issues.  But there might be another exception that protects you – check the ‘insolvency’ description on the 982 form to see if you qualify for that exception.

taxesTaxes, like bankruptcy, are far too complicated to do without competent guidance.  This is similar to jumping off a cliff and then deciding to check below for rocks or sharks.  Ask for experienced help before jumping.

The post Do I Have to Pay Taxes if I File Bankruptcy? appeared first on Diane L. Drain - Phoenix Bankruptcy & Foreclosure Attorney.


2 days 17 hours ago

At least once or twice a week someone asks if they have to pay a judgment when trying to sell their home.
The answer is probably ‘no’, but depends on certain facts.  It depends on the law of the state where the judgment debtor lives.  It also depends on the type of assets the judgment debtor has – exempt versus non-exempt.
I want to sell my home but the title company says I have to pay a judgment.
bad adviceVery bad information from title company.
Assuming this is in Arizona then you are dealing with a title company that does not know how to read Arizona law.  See Arizona Revised Statutes 33-964:
A. Except as provided in sections 33-729 and 33-730, from and after the time of recording as provided in section 33-961, a judgment shall become a lien for a period of ten years from the date it is given, on all real property of the judgment debtor except real property exempt from execution, including homestead property, in the county in which the judgment is recorded, whether the property is then owned by the judgment debtor or is later acquired. A civil judgment lien obtained by this state and a judgment lien for support, as defined in section 25-500, remain in effect until satisfied or lifted.
B. Except as provided in section 33-1103, a recorded judgment shall not become a lien on any homestead property. Any person entitled to a homestead on real property as provided by law holds the homestead property free and clear of the judgment lien.
If this is your Arizona home (homestead) then do not let the title company bully you into paying the judgment.  Move to a different title company who knows how to read the law.
I filed bankruptcy and want to sell my Arizona home, but the title company requires that I pay a judgment.
Again, the Arizona law applies even if you filed for bankruptcy.  It is important to list all debts, including judgments (remember you signed a sworn declaration that you listed 100% of all your debts).  Even if you forget to list this judgment it is still not a lien against your home (see the Arizona law above).

WHAT SHOULD I DO?
If a title company does not ignore judgment liens that show up on a title report with respect to a seller’s homestead (even if no bankruptcy was filed), send a letter to the title company’s lawyer explaining the law and why this judgment lien does not attach to the homestead (include copies of the statutes: ARS 33-964.  Highlight the provisions dealing with homestead ‘exempt’ property.).  If the title company refuses to change their requirements then move the escrow to a title company that will (such as North American Title or First American Title).
Note: if there is equity over the allowed $150,000 homestead then the judgment creditor must initiate a sheriff sale before the property is transferred.  If the creditor fails to go through the sheriff sale process before the property is transferred, the creditor has lost its remedy to get paid with respect to the homestead.

Note – selling your home while in bankruptcy will be a problem.  Most likely you will need to get permission from the court, or at least the trustee, in order to sell your home.  Talk to your bankruptcy attorney before deciding to sell your home.  If your bankruptcy attorney does not know the answer to your questions then hire another attorney.  This issue is a very basic one and every bankruptcy attorney should know the process.

The post Do I Have to Pay a Judgment Before Selling My Home? appeared first on Diane L. Drain - Phoenix Bankruptcy & Foreclosure Attorney.


4 days 8 hours ago

If you are considering bankruptcy in Seattle, you must already be in a dire financial situation. As such, you probably think it is better if you file bankruptcy on your own to save on attorney’s fees. However, you may not be aware that it is a big and expensive mistake. The fact remains, working with an experienced Seattle bankruptcy attorney will not only save you money but also time and the stress brought about by bankruptcy proceedings.
You should be aware that you will still be required to pay the same filing costs and fees even if you do decide to file bankruptcy in Seattle on your own. Another important thing to note is the complexity of a bankruptcy case such that even the simplest case requires accomplishment of extensive forms, compliance to local court protocols, and in-depth research on exemption laws. Errors may lead to major repercussions wherein you may lose nonexempt properties, your debt may not be approved for discharge, or worse, you could be charged for fraud.
You may avoid these complications by getting one of the best Seattle bankruptcy attorneys. You may find the qualified ones at Northwest Debt Relief Law Firm because they will work hard to the best of their abilities to ensure that you get all the assistance you will ever need.
So, what exactly do Northwest Debt Relief Law Firm’s Seattle bankruptcy attorneys do for their clients?

  1. They will make sure that you are fully aware of your options and the different types of bankruptcy so that you may file the one that is more ideal for your financial situation.While there are many types of bankruptcy, only two are of concern to most individual debtors:  Chapter 7 and Chapter 13. While they both provide protection from your creditors, which one you file depends on your individual situation.

    • A Chapter 7 bankruptcy is more about the liquidation of assets to pay off creditors. It is usually fast, with discharges received within three to four months, allowing debtors a quick fresh start.  All of a debtor’s non-exempt properties are collected and sold to pay back the creditors  A debtor is allowed to keep what is known as exempt property. Chapter 7 bankruptcy is suitable for low-income debtors with little or no assets with which to pay off their debts. However, it costs more to file for Chapter 7 bankruptcy than Chapter 13  and there is a greater risk of losing your property due to foreclosure.
    • A Chapter 13 bankruptcy is more about helping a debtor pay off outstanding debts through an approved repayment plan.  It is often called “reorganization” because it allows Chapter 13 filers to pay off all or part of their debts in a span of three to five years. The purpose of the reorganization plan is to show how you will fully pay all priority claims, such as child support, unpaid wages, and taxes, within three to five years. Unsecured debts like credit card debts and medical bills may be partially paid over time.
  2. They will see to it that  you comply with bankruptcy requirementsUnder the law, it is of utmost importance to have all your ducks in a row before you file — and there are quite a few ducks… examples of which are the many pages of forms to fill out and supporting documentation that you must gather and organize before you are ready to file. Bankruptcy cases may be dismissed without discharging your debts if you do not comply with bankruptcy requirements for filing, providing documents, or other administrative matters.
    Following are the requirements you must comply with :
    • Complete the mandatory pre-filing credit counseling class within the 180 days before your bankruptcy filing.
    • File the required bankruptcy forms detailing all of your current debts, assets, income, and expenses, as well as your plans regarding loans that are secured by collateral (such as car loans).
    • Pay court fees such as the filing fee, administrative fee, and in Chapter 7 cases, the trustee surcharge.
    • Attend the 341 meeting where the bankruptcy court trustee, as well as your creditors, will ask you questions about the information you provided in your forms.
    • Make timely payments on your Chapter 13 repayment plan.
    • Follow orders of the court.
  3. They may help you protect your property.Some property is protected by exemptions but our experienced bankruptcy attorneys are committed to making sure you take all you are entitled to, that there will be little or no loss of non-exempt property, and will help you avoid unexpected losses.
  4. They will make sure that tax refunds and other monies due are in order.It is important to list all receivables,  or money due to you, as property in your bankruptcy forms and to file your bankruptcy at the right time. Otherwise, you could lose out on proceeds of lawsuits, upcoming tax refunds, inheritance or life insurance proceeds, bonuses, and sales commissions.
  5. They will help you deal with credit cards and loans.Our helpful bankruptcy attorneys may be able to guide you on how to deal with your credit card debts and payday loans. They will explain to you how these are dealt with in a bankruptcy filing and how your credit rating will be affected by the bankruptcy itself.   Your Northwest Debt Relief Law Firm’s Seattle bankruptcy attorneys will strive to have your credit restored in no time.
  6. They will deal with foreclosures and repossessions.Our practical Seattle bankruptcy attorneys understand how valuable your house, vehicles, and personal property are to you. Thus, it is in no uncertain terms that they will work hard to make sure there are ways to prevent foreclosure and repossession of your most treasured possessions.
  7. They will also take care of situations that may affect your family.Our understanding Seattle bankruptcy attorneys will find the best ways to handle your debts if you are going through a tough time such as divorce proceedings. They will leave no stone unturned to make sure that the bankruptcy process will go as smoothly as possible, with minimal effect on your family, children, and your inheritance.
  8. They will help you take care of how you can settle your debts.A good Seattle bankruptcy attorney will look at the type of debts you have that are eligible for discharge and find out how to handle any remaining debt. Our hardworking bankruptcy attorneys at Northwest Debt Relief Law Firm will gladly assist you in settling and negotiating debts and guide you on how you may avoid being in the red again in the future. They may teach you how to set up budgets, the best way to prioritize your expenses, as well as how to cut spending where possible.
  9. They will make sure you exercise fair judgment in paying off your debts.Our Seattle bankruptcy attorneys will see to it that you settle your debts with each of your creditors fairly before filing for bankruptcy. Paying off certain creditors, such as friends or family, larger amounts constitutes a preferential transfer and is prohibited by law. Your bankruptcy trustee may sue you and recover the money that should have been distributed evenly among all creditors.
  10. They will provide free consultations

Contact a Seattle Bankruptcy Attorney Today
Our friendly Seattle bankruptcy attorneys at Northwest Debt Relief Law Firm are willing to answer your questions and examine your case in order to cope up with viable solutions to your financial situation.
Get in touch with us at Northwest Debt Relief Law Firm for a free initial consultation and let us help you rebuild a more secure financial future.

The post What Can Bankruptcy Attorneys Do For Me? appeared first on Portland Bankruptcy Attorney | Northwest Debt Relief.


1 week 11 hours ago

As the new year has begun, it is time to look at the bankruptcy filing statistics from the first part of 2019 as compared to the first part of 2018. This fact will dictate where we may be heading for the rest of 2019. As expected, total bankruptcy filings in January 2019 increased 5 percent+ Read More
The post Bankruptcy Filings Are Up In 2019 appeared first on David M. Siegel.


1 week 1 day ago

If you are considering filing for bankruptcy in California, you should understand what type of debt you can discharge. The debts you are permitted to discharge in a Chapter 7 bankruptcy may be different from the debts discharged with a Chapter 13 bankruptcy filing. That is why it is important to understand the difference between […]
The post What is Unsecured Debt in Bankruptcy in California? appeared first on The Bankruptcy Group, P.C..


1 week 5 days ago

By Winnie Hu

It is not enough that a subway fare increase could soon make traveling underground in New York City more expensive. The cost of getting around above ground is going up, too.
An extra $2.50 fee will be tacked onto any yellow taxi rides in Manhattan that begin, end or pass through south of 96th street, and an extra $2.75 fee will be added for other for-hire vehicles, including Ubers and Lyfts — all before the car even starts.
The new ride fees were supposed to start Jan. 1, and are intended to raise more than $1 million a day to help fix the city’s broken subway system. New York is following a growing number of states and cities, including Chicago and Seattle, that have adopted similar per-ride fees in recent years to pay for public transportation and other services.
In New York, the new ride fees had been temporarily blocked at the last minute by a lawsuit filed by a coalition of taxi owners and drivers who called it a “suicide surcharge” that would drive away customers and devastate an industry already crumbling under financial pressures.
Judge Lynn R. Kotler of State Supreme Court disagreed, ruling Thursday that the new ride fees could proceed, noting that the taxi coalition had not “demonstrated irreparable injury.” But she did deny a motion from the state to dismiss the lawsuit, saying that the coalition’s arguments merited moving the case forward.
The $2.50 fee will raise the minimum taxi fare to $5.80 in Manhattan.
Governor Andrew M. Cuomo’s office would not say when the fees would start.
The new ride fees are seen as the first step in passing a comprehensive congestion pricing plan for Manhattan that would charge all vehicles a fee to drive in the busiest neighborhoods and help reduce gridlock. The fees were approved last year by the State Legislature and also included a 75-cents fee for shared car-pool services.
The taxi coalition argued in its lawsuit that the fees would “drive the final nail in the proverbial coffin by making medallion taxicab rides so financially unattractive to consumers that the industry is sure to collapse in its entirety.”
But lawyers for the state attorney general’s office countered that the lawsuit hurt city transit riders, and that every day the new fees went uncollected meant less money for the Metropolitan Transportation Authority, which operates the subways.
Patrick Muncie, a spokesman for Mr. Cuomo, said the decision was “a positive step in our efforts to find a dedicated revenue stream for our subways and buses, as well as easing congestion in Manhattan’s central business district.”
But taxi owners and drivers criticized the judge’s decision, saying it would only add to their problems. Many are already struggling with enormous debt as the value of their taxi medallions — the aluminum plate that once sold for more than $1 million — has plummeted. Three taxi owners and five other professional drivers have committed suicide over the last year.
“It’s a big problem — that means people will not ride in taxis anymore,” said Mahmud Hossain, 54, a yellow taxi owner and driver from Astoria, Queens. “It’s very hard.”
Mr. Hossain said that he typically takes home $70 or less after a 12-hour shift, or about half of what he used to make five years ago before ride-hailing apps started taking away customers. He worries that he will take home even less now.
Bhairavi Desai, the executive director of the New York Taxi Workers Alliance, said taxi drivers would feel the effect right away from the new fee. “Their income will drop immediately and force them to delay decisions over food and medicine,” she said.
Ms. Desai called on the governor to hold off collecting the new fee while the lawsuit continues and said her group would lobby state legislators to pass an exemption for taxis from the new fee.“Implementing the surcharge while the lawsuit continues could put the industry in the predicament of figuring out how to refund passengers, even those who paid with cash, should the drivers ultimately win the case,” she said.
With the new $2.75 fee, the cost for Uber, which has an $8 base fare in Manhattan, will also rise to a minimum of $10.75. But Uber and two other ride-app services, Lyft and Via, have supported the fees as a step toward addressing congestion and transit challenges in the city.
The taxi lawsuit had argued that taxis should not be charged a “congestion tax” because their number has been capped by city law at 13,587 “to prevent an overabundance of cars and congestion,” even as Uber and other ride-app services were allowed to expand exponentially. In August, the city declared a one-year moratorium on new vehicle licenses for Uber, Lyft and other ride-app services.
Mayor Bill de Blasio has supported the new taxi fee, but Meera Joshi, the commissioner of the New York City Taxi and Limousine Commission, has said it would be “potentially devastating” for the taxi industry.
David Graves, 60, a taxi driver for almost two decades, said he was frustrated that the city had created the congestion problem and was now trying to address it by turning taxis into “unpaid tax collectors for the M.T.A.”
“This is my future, this is the future of the New York City taxi,” he added.
Copyright 2019 The New York Times Company.  All rights reserved.


1 week 5 days ago

You may be thinking of filing for Chapter 7 or Chapter 13 bankruptcy in Seattle if you are in the midst of a challenging financial situation. But, at the back of your mind, you are thinking of its possible negative impact on your credit score and how a bankruptcy on record can affect your ability to take out loans or get approved for financing in the future.
Even if your credit score may be affected by a bankruptcy filing, it is not for the long-term. In fact, there are some circumstances where a bankruptcy filing is actually what will work best in your financial situation.
How Big is the Impact of A Bankruptcy Filing in Seattle to My Credit Score?
The effect of filing bankruptcy on your credit rating will rely on some variables such as the type of bankruptcy you are filing.  Regardless of the type, though,  a bankruptcy remains on your credit score for seven to 10 years.
As a whole, you can anticipate your credit rating to go down a minimum of 100-200 points after a bankruptcy filing. The particular influence it will carry on your credit rating will depend upon your credit history prior to declaring bankruptcy, along with the length of your credit rating. Nevertheless, as soon as your bankruptcy is filed, there are some ways to begin raising your credit rating instantly. After a bankruptcy discharge, you ought to assess your credit reports for accuracy to guarantee all your discharged debt is reported correctly. If there is a mistake on your record, ensure that you challenge it with the credit bureau to have it corrected. You can likewise raise your rating by maintaining regular payments on secured debts such as house and car settlements. Filing for bankruptcy may give you a chance for a  fresh start, and with better and wiser choices, moving forward, you will see an improvement on your credit score.
Is a Seattle Bankruptcy Filing the Best Choice for Me?
While the temporary adverse effect on your credit report is unquestionably terrifying, the truth stays that for numerous people in dire financial circumstances, declaring bankruptcy is most likely to be the most effective alternative and will, at some point, enhance your credit report as you deal with your financial debt. If you are encountering a financial dilemma that you do not have any hope of overcoming, your credit history is most likely to be a lot more considerably impacted by that than it would be by a bankruptcy filing.
Eventually, it is necessary to check out the bigger scope. The objective of filing bankruptcy in Seattle is to aid you in a fresh start; some kinds of bankruptcy can also be used to get rid of some of your financial debts, which will certainly minimize the financial strain on you as you move forward. While it is true that your credit score is likely to be affected in the short-term, if you find that you have something to gain from bankruptcy over time, then it is probably the best option for you.
The most effective method to recognize for certain is to speak with an experienced bankruptcy attorney. Our bankruptcy attorneys at Northwest Debt Relief Law Firm (NWDRLF) may assess your current financial situation and may advise you on the best option that may work for you.
Can My Credit Score Still Improve After Bankruptcy?
You can still take concrete steps to improve your score when it takes a substantial hit after filing for bankruptcy. You will see improvement on your score within a few years if you start responsible financial habits such as:

  • maintaining low credit usage (ideally under 30%)
  • paying on time
  • being responsible in maximizing small loans to restore your credit history

Do I Need to Work With a Seattle Bankruptcy Attorney?
Yes! Who wants to be drowning in debt? Nobody wants to wallow in the unmanageable financial crisis. However, it is not entirely unavoidable.  Life happens and sometimes, the cards you are dealt with may take a toll on your finances. When it does, it is important to look beyond the short-term effects of bankruptcy on your credit score and appreciate the long-term benefits it may have to regain your financial freedom.
Consulting an experienced Seattle bankruptcy attorney is one of the crucial first steps when considering filing for bankruptcy. You may be better guided and assisted throughout the whole process if you have a trusted bankruptcy attorney by your side. Call us Looking for more assistance in filing for bankruptcy or determining whether it’s right for you? An experienced bankruptcy lawyer can provide all the guidance and help you’ll need through the entire process. Call our bankruptcy attorneys at Northwest Debt Relief Law Firm (NWDRLF) for a free initial assessment of your case.

The post WiIl Your Credit Score Be Seriously Affected By A Bankruptcy Filing in Seattle? appeared first on Portland Bankruptcy Attorney | Northwest Debt Relief.


2 weeks 21 hours ago

Scams Targeting Your Social Security Number
The following is a warning from the Federal Trade Commission:
Good afternoon,
Today, the Bureau’s Office for Older Americans is forwarding an email about scams targeting your Social Security number. The email was sent by Jennifer Leach, Acting Associate Director, Division of Consumer and Business Education, Federal Trade Commission.
Fake Calls about your SSN
social security scamssocial security scams
The FTC is getting reports about people pretending to be from the Social Security Administration (SSA) who are trying to get your Social Security number and even your money. In one version of the scam, the caller says your Social Security number has been linked to a crime (often, he says it happened in Texas) involving drugs or sending money out of the country illegally. He then says your Social Security number is blocked – but he might ask you for a fee to reactivate it, or to get a new number. And he will ask you to confirm your Social Security number.
In other variations, he says that somebody used your Social Security number to apply for credit cards, and you could lose your benefits. Or he might warn you that your bank account is about to be seized, that you need to withdraw your money, and that he’ll tell you how to keep it safe.
But all of these are scams. Here’s what you need to know:

  • The SSA will never (ever) call and ask for your Social Security number. It won’t ask you to pay anything. And it won’t call to threaten your benefits.
  • Your caller ID might show the SSA’s real phone number (1-800-772-1213), but that’s not the real SSA calling. Computers make it easy to show any number on caller ID. You can’t trust what you see there.
  • Never give your Social Security number to anyone who contacts you. Don’t confirm the last 4 digits. And don’t give a bank account or credit card number – ever – to anybody who contacts you asking for it.
  • Remember that anyone who tells you to wire money, pay with a gift card, or send cash is a scammer. Always. No matter who they say they are.

If you’re worried about a call from someone who claims to be from the Social Security Administration, get off the phone.
Then call the real SSA at 1-800-772-1213 (TTY 1-800-325-0778). If you’ve spotted a scam, then tell the FTC at ftc.gov/complaint.
Thank you,
Stacy Canan
Office for Older Americans
Consumer Financial Protection Bureau

The post Scams Targeting Your Social Security Number appeared first on Diane L. Drain - Phoenix Bankruptcy & Foreclosure Attorney.


2 weeks 6 days ago

Prediksi Borussia Dortmund vs Werder Bremen 6 Februari 2019 – Pertandingan DFB Pokal tahun 2018/2019 akan segera menghadirkan tim papan atas yaitu Borussia Dortmund beerhadapan dengan tim papan tengah Werder Bremen. Pertandingan yang sudah memasuki babak ketiga ini pastinya akan berjalan semakin menciut dan menegangkan. Sebagai tuan rumah yang sedang difavoritkan pastinya Borussia Dortmund akan mudah meraih kemenangan. Ditambah posisinya sebagai tuan rumah akan dikelilingi oleh pendukung setia di arena nanti. Sementara Werder Bremen sebagai laga tandang juga akan berjuang lebih maksimal lagi agar mampu membawa pulang kemenangan. Antara Borussia Dortmund vs Werder Bremen akan segera dipertemukan pada tanggal 6 Februari 2019 yang diselenggarakan di Signal- Iduna- Park (Dortmund) live pukul 02:45 WIB.
Mampukah laga tandang 6 Februari 2019menorehkan kemenangannya di markas tim tangguh Borussia Dortmund?  Bagi anda pecinta bola, jangan lewatkan tayangan berikut ini!
Prediksi Borussia Dortmund vs Werder Bremen 6 Februari 2019
Penampilan Borussia Dortmund sedang di atas angin di akhir-akhir ini, karena selama lima pertandingannya berhasil meraih kemenangan. Kualitas Borussia Dortmund memang tidak bisa dipandang sebelah mata. Saat menjalani DFB pokal babak ke 2 juga berhasil meraih kemenangan bersama tim tamu Union Berlin dengan skor 3-2. Para pemain Borussia Dortmund yang berhasil mencetak gol adalah C. Pulisic di menit ke 40’, M. Philipp di menit ke 73’ dan M. Reus di menit ke 120’.
Sementara penampilan Werder Bremen di akhir-akhir ini terbilang karena beberapa pertandingan hanya mampu menahan imbang. Namun saat menjalani DFB pokal babak ke 2 berhasil meraih kemenangan bersama tuan rumah Weiche Flensburg dengan skor indah yaitu 1-5. Pemain Werder Bremen yang berhasil mencetak gol adalah C. Pixarro di menit ke 8’, F. Kainz di menit ke 37’, D. Klaassen di menit ke 44’ dan M. Harnik di menit ke 76’ & 80’.
Florian Kohfeldt sebagai pelatih Werder Bremen akan mencari taktik yang hebat untuk menghancurkan tuan rumah nantinya. Mereka telah mempersiapkan para pemain terbaiknya seperti M. Eggeistein, D. Klaassen, M. Kruse, J. Eggestein dan juga T. Gebre Selassie.
Dari hasil penjelasan kedua tim, diprediksikan laga nanti akan dimenangkan oleh tim tuan rumah Borussia Dortmund. Adapun hasil prediksi skor antara Borussia Dortmund vs Werder Bremen 6 Februari 2019 dalam bursa taruhan bola adalah 2-0. Demikian perkiraan prediksi sebagai acuan anda.
Borussia Dortmund Win: 60%
Werder Bremen Win: 20%
Draws: 20%
Prediksi Borussia Dortmund vs Werder Bremen 6 Februari 2019 Situs Rolet Online Endbillcollections adalah 2 – 0


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