Blogs

Prediksi Heidenheim vs Bayer Leverkusen 6 Februari 2019 – Melanjutkan pertandingan DFB Pokal tahun 2018/2019 akan segera menghadirkan dua timpapan tengah yaitu Heidenheim vs Bayer Leverkusen. Dipertandingan yang sudah memasuki putaran ke 3 pastinya akan membuat para penikmat bola penasaran. Sebagai tim juru kunci pastinya Heidenheim akan berjuang lebih maksimal lagi untuk meraih kemenangan. Namun kualitas mereka saat ini sedang gemilang sehingga akan mudah saat menjamu Bayer Leverkusen.
Mereka akan mencuri poin penuh di markas sendiri dengan dukungan penuh dari supporter setianya. Sementara laga tandang Bayer Leverkusen juga akan berjuang lebih maksimal lagi untuk mempermalukan tuan rumah. Kualitas Bayer Leverkusen juga tidak bisa dipandang sebelah mata saja. Pertemuan antara Heidenheim vs Bayer Leverkusen akan segera berlangsung pada tanggal 6 Februari 2019 yang diselenggarakan di Voith- Arena (Heidenheim an der Brenz) live pukul 00:30 WIB.
Mampukah tuan rumah Heidenheim meraih kemenangannya di markas sendiri? Bagi anda penikmat bola, jangan lewatkan tayangan berikut ini!
Prediksi Heidenheim vs Bayer Leverkusen 6 Februari 2019
Putaran ke 2 DFB Pokal, tuan rumah Heidenheim berhasil meraih kemenangan saat menjamu Sandausen dengan skor 3-0. Pemain Heidenheim yang berhasil mencetak gol adalah M. Schnatterer di menit ke 8’ dan N. Dovedan di menit ke 20’ & 86’.
Prediksi Heidenheim vs Bayer Leverkusen 6 Februari 2019 – Franks Schmidt sebagai pelatih Heidenheim akan berjuang lebih maksimal lagi untuk meraih kemenangan ini dengan menghancurkan tim tamu nantinya. Mereka juga telah mempersiapkan para pemain terbaiknya sebagai mesin pencetak gol yaitu N. Dovedan, K. Pusch, R. Glatzel, S. Griesbeck dan juga K. Lankford.
Sementara penampilan Bayer Leverkusen kini sedang diatas angin karena berhasil meraih kemenangan yang indah pada putaran ke 2 DFB Pokal saat menuju markas M’gladbach dengan skor 0-5. Pemain Bayer Leverkusen yang berhasil mencetak gol saat itu adalah J. Brandt di menit ke 5’, T. Tedvaj di menit ke 46’, K. Bellarabi di menit ke 67’ & 74’ serta K. Volland di menit ke 80’.
Bayer Leverkusen sangat optimis akan mudah menorehkan kemenangannya  dengan menampilkan  pemain bintang seperti K. Haverts, L. Alario, J. Brandt dan juga I. Thelin. Heiko Herrlich sebagai pelatih Bayer Leverkusen akan tetap mengupayakan kemenangan ini.
Dari hasil penjelasan kedua tim, diprediksikan laga nanti akan dimenangkan oleh tim tamu Bayer Leverkusen. Adapun hasil prediksi skor antara Heidenheim vs Bayer Leverkusen 6 Februari 2019 dalam bursa taruhan bola adalah 0-2. Demikian perkiraan prediksi sebagai acuan anda.
Heidenheim Win: 10%
Bayer Leverkusen Win: 80%
Draws: 10%
Prediksi Heidenheim vs Bayer Leverkusen 6 Februari 2019 Judi Rolet Online Endbillcollections adalah 0 – 2

“Can I be thrown in jail for not paying my credit card debt?” What about other unsecured debt like a broken apartment lease, a car repossession deficiency, medical bills or personal loans? The short answer to this question is “no,” there is no debtor’s prison in the United States and an unsecured creditor like a credit card company cannot contact your local police department and have you picked up and thrown in jail. If a bill collector threatens you with incarceration, that bill collector is almost certainly violating the Fair Debt Collection Practices Act (FDCPA) and you could sue that bill collector for money damages for making an idle threat.However…there are some circumstances where you could find yourself facing jail time if you ignore or refuse to cooperate with the litigation process. Here’s what you need to know.Collection Lawsuits are about Money OnlyFirst, if you owe money to a credit card company, or for a medical bill or any other unsecured debt, the only remedy that your creditor has is to “dun” you account (call you or write you to remind you of your obligation) or to file a civil action lawsuit against you to obtain a civil judgment against you.If a creditor files a collection lawsuit and wins by default (you failed to answer) or wins at trial, that creditor will obtain a judgment. They can take that judgment to your bank to seize whatever money you have in that account, or they can take that judgment to your employer and garnish your wages to the extent permitted by state law.Collection lawsuits to recover money are part of the civil justice system. Civil matters are about money only and involve one party (the plaintiff) suing another (the defendant). By contrast a criminal action occurs when a governmental unit like the State of Georgia or the United States of America files a criminal complaint against you. The government is represented by a prosecutor (i.e., the District Attorney, U.S. Attorney or equivalent) and the remedy is either a fine, jail time or both.Only the Government can File Criminal Charges Against YouThe government is the only entity that can start criminal proceedings against you. If a creditor like a credit card company or an apartment complex wants to pursue criminal charges they have to take their complaint to the District Attorney or U.S. Attorney and the prosecutor has to agree to pursue criminal proceedings against you.In very rare circumstances, an unsecured creditor can convince a prosecutor to take out a criminal warrant against you. For example if you are engaged in fraud like opening multiple credit card accounts in fake names or using fake Social Security numbers, you would be violating both state and federal law and you could face prosecution.Simply not paying a debt you owe because you don’t have the money is not a criminal offense.Avoid Contempt of Court by Responding to Post Judgment DiscoverySecond, you need to understand that the debt collection process can involve more than a lawsuit, and that’s where you can find yourself in trouble.If a creditor like a credit card company sues you and obtains a judgment, they have the right to conduct post-judgment discovery to force you to reveal where your money is located and where you work. Post-judgment discovery can take the form of interrogatories (written questions), requests for production of documents, and depositions (sworn testimony under oath recorded by a court reporter).If you refuse to respond to discovery questions, refuse to appear at a deposition or otherwise refuse to participate in discovery, the judgment creditor can ask the judge to hold you in contempt of court and to have you incarcerated.You would be jailed not for owing money, but you could be jailed for being in contempt of court for refusing to answer questions about where your money is located or where you work, or for giving false answers to these questions.Sometimes a defendant in a civil matter does not cooperate with discovery because he doesn’t know how to respond, or, in some cases because he never got served with any paperwork at all.Courthouses are very busy places and judges rely on lawyers to offer accurate information. If the lawyer for the judgment creditor sees that a person named “John Smith” was served with the lawsuit and post-judgment interrogatories and your name happens to be “John Smith” you could find yourself behind bars without knowing why.Aggressive Creditors Use the Court’s Contempt Powers to Threaten You with JailIn some busy jurisdictions, aggressive creditors (mis)use the contempt power of the civil court system to cause judgment debtors to be incarcerated. Needless to say, it can be very difficult to unwind a contempt action when you are sitting in a jail cell.This type of incarceration for contempt of court does not happen a lot but it does happen enough to mean that you should be aware of the problem.So, how do you protect yourself?The most important think you can do is to take action if you are ever sued. You will know that you have been sued if a sheriff’s deputy or a process server knocks on your door and hands you a stack of papers. Don’t ignore this – the problem will not go away.Second, review your credit reports every year. You can download a copy of your credit reports for free at AnnualCreditReport.com. Usually your credit reports will show that you have been sued.Finally, if you ever receive any sort of letter suggesting that you have been sued, take action to find out if this is true. Many courts have online access where you can look up pending lawsuits. Bankruptcy lawyers can also find out for you as well.If you owe money, you may be tempted to try to avoid dealing with your debt problems in the hope that creditors may go away. This is not a good strategy. You are always better off with a proactive approach and addressing your debt problems head on.The odds are very small that a creditor will use a court’s contempt power to have you thrown in jail. But it does happen and you should not assume that you are immune from this situation.If you are struggling with debt and want to speak to an experienced Atlanta area bankruptcy lawyer, please call our office at 770-393-4985.The post Can You be Thrown in Jail for Not Paying Your Credit Card Debt? appeared first on theBKBlog.

By Noah Manskar, Patch Staff

NEW YORK — New York City's turbulent taxi industry saw a massive spike in foreclosure sales last year as drivers struggled to make ends meet and some took their own lives, records show.

The Taxi and Limousine Commission recorded 381 foreclosure-related medallion sales in 2018 — more than 10 times the 37 seen in 2017. The numbers are based on Patch's review of the TLC's monthly lists of sales, some of which include more than one medallion.

The sales accounted for about two thirds, or 64 percent, of last year's 595 medallion transfer transactions, while only 33 percent of 2017's transactions were foreclosure-related, TLC records show.

The spike is both a good and bad sign, TLC Commissioner Meera Joshi said. While many individual drivers still face financial strain, the flurry of sales suggests buyers now see viability in an industry that has seen years of instability.

"When there are purchasers that are not the banks it's a signal that there are people that believe there is a value to this asset," said Joshi, who plans to leave her post in March.

The foreclosure figures include cases in which a bank took possession of a medallion on which someone could no longer pay the mortgage, and others in which a buyer purchased a medallion from a bank.

The "vast majority" of last year's increase comprises hedge funds buying up medallions at large public auction, said Robert Familant, the former treasurer and CEO of Progressive Credit Union, a medallion lender.

For instance, a hedge fund reportedly paid $170,000 each last June for 131 medallions once owned by Evgeny Freidman, an operator once known as the "Taxi King" who pleaded guilty to tax fraud last year.

Last year's unusually large number also reflects some sales that were made in 2017 but not recorded until 2018, according to Familant, whose company recently merged with Pentagon Federal Credit Union.

The spike came at a tumultuous time in the city's taxi industry. At least half a dozen professional drivers died by suicide last year, some of them facing hefty financial burdens amid competition from ride-hailing apps.

Hundreds of medallions held by individual drivers have been forced into foreclosure or bankruptcy in recent years as their owners have seen costs mount while their businesses suffer, Bhairavi Desai, the executive director of the New York Taxi Workers Alliance, said in a Jan. 16 court filing.

"Not only have they been unable to keep up with their mortgages, (they've) also just been unable to earn enough for day-to-day living," Desai said in an interview. "I honestly never imagined to have so many conversations with drivers about food stamps, really basic benefits."

Medallion prices have plummeted in from $1 million or more in 2014 to as little as $130,000 last month, TLC records show.

That drop in value helped drive the recent spike in foreclosure sales, along with declining revenues and a lack of confidence among some owners in city regulators' ability to address the prices, Familant said.

"When the value of collateral diminishes, financial institutions are put into a very difficult regulatory position," he said.

Recent changes to medallion rules have also contributed to recent movement in the market, Joshi said. One eliminated the requirement that certain medallion owners drive a certain number of hours each year. Another eliminated the distinction between independent and corporate medallions, making it easier for banks to take back those that were independently owned, according to Joshi.

The City Council also slashed the medallion transfer tax in 2017 from 5 percent to 0.5 percent. That made the tax less of a burden for buyers, according to Joshi.

To Familant, the large number of foreclosure sales reflects the start of a "cleansing process" that allows drivers and operators a way into a business in which they now see an opportunity.

"Everyone knows the industry has had a difficult time the last few years and it was sort of in free fall. Now that free fall has stopped," he said. "Buyers came back into the industry at a point and said, 'I think it's a good buy now. I'm willing to put my money where my mouth is now.'"

But Desai called that a "rosy description" of where the industry stands. It may be easier for institutional buyers like hedge funds to buy medallions but individual drivers still face barriers, she said.

She called for a "restructuring" of the loan market to reflect the value of medallions.

"If you know you're going to have to eventually take that medallion away from the current owner and then resell it at a lower rate, why not just forgive on some of the loan now and restructure it so the current people who've already paid so much into those medallions, even if they haven't paid off the whole thing, at least they can continue to work and live off of it," Desai said.

The TLC lacks the authority to regulate banks but has encouraged them to "right-size" medallion loans, Joshi said. The City Council also passed bills in November to bolster financial education for drivers and create a task force to review changes in medallion prices.

To Familant, it's important for lenders and medallion owners to find solutions to tough financial situations that don't involve foreclosure.

"You have to go there and you have to work together," he said. "No one's going to survive unless we work together."

© 2019 Patch Media. All Rights Reserved.

People in the US hold over $1 trillion in credit card debt. Credit cards are the most essential source of day-to-day financing for millions of Americans. Yet little is known about the true demographics of who owns credit cards, how much they charge on them, and whether they pay their balances on time. The information we have is based on surveys, and people are notoriously bad at accurately reporting their finances.
A new study by Federal Reserve economist Joanna Stavins sets out to fix this problem. Every year since 2008, the Federal Reserve Bank of Boston conducts a nationally representative survey asking Americans how they pay for things. It includes a section on credit cards. In order to check the accuracy of their responses, Stavins compared respondents’ answers with administrative data from credit reporting agency Equifax,which holds their actual data.  Stavins found that people tend to overreport the number of credit cards they have, underreport their balances, and greatly undervalue their credit limits. But most importantly, by combining demographic data from the Fed’s survey with Equifax, we finally have accurate public data about how different groups of people use credit cards. The survey was conducted in 2015 and 2016.
The data show that whether a person owns a credit card diverges hugely by age, income, and education. Overall, 74% of adults have a credit card, but just 48% of those under 25 have one, compared with 87% who are 65 or over. The difference is even greater across education and income levels.
Credit card balances also vary hugely. While the average American maintains an average balance of $4,560, this is highly dependent on age. Balances are relatively low for the young, about $2,340 for those under 25, but grow as people get into middle age, reaching over $6,000 for people 45-54, before falling as they get older. At the peak of a person’s earning power, typically in middle age, they are given larger credit limits from card companies.
Finally, the analysis estimated the share of people who have “revolving” credit card debt—meaning they don’t pay off their balance in full at the end of the month. Stavins found that 44% of adults have revolving credit, and these people typically have an outstanding balance of $6,600. Revolvers are generally poorer and less educated than the typical American.
It is worrisome that financially strapped Americans are incurring high interest payments on credit cards that reduce their already modest incomes, writes Stavins. Yet she also notes that credit cards offer the poor a source of funds that may help them through tough times that would otherwise be worse.
© 2019 Quartz Media, Inc. All rights reserved.