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What About the Other 90%??

If a woman is on her back 10% of the time, what is a man bringing the other 90% of the time? But, don’t judge a book by it’s cover. This book provides tools for women to deal with the undertow that undermines the very thing they say they want.

By Chanda R. Mitchell

EBOOK/ISBN-ISBN-13: 978-0615739328
USD: $14.99/CAD: $17.99

ON SALE: April 1, 2021GENRE: Nonfiction/Personal Growth/Self-Improvement/Spiritual Growth



Payday advances like ace cash express violated Ca’s check cashing guidelines

Contact: Linda Sherry or Ken McEldowney, 415-777-9648 James C. Sturdevant, The Sturdevant attorney, 415-477-2410

Lawsuit fees that ACE violated Ca’s check cashing guidelines

Might 22, 2003 – san francisco bay area, CA – customer Action today filed a lawsuit today in San Francisco Superior Court against ACE money Express Inc., alleging that ACE happens to be breaking Californiacheck cashing legislation by offering short-term loans at inflated and unlawful rates of interest to naive customers. ACE could be the biggest owner, operator and franchiser of check-cashing shops in the us, and has or controls a community in excess of 1,100 shops nationwide. Customer Action is represented because of The Sturdevant law practice and Sheldon V. Burman.

For several years, ACE was focusing on low- and families that are moderate-income a check cashing solution offered by its stores. In fact, this is basically the short-term loan of a small amount of cash at an extremely high rate of interest. ACE encourages these loans, called “deferred-deposit” or “payday” loans, to individuals that are cash-strapped need of the few hundred bucks.

“Companies like ACE victim on customers who possess no charge cards, and whom cannot have a little loan from a bank on regular terms,” stated Linda Sherry of Consumer Action.

California has rules check that is governing company which enforce restrictions about what they are able to charge.

Sherry explained that “the legislation generously permits so-calledcheck cashing organizations to charge as much as $15 per $100 lent for a fortnight – a rather significant revenue. But Ace had been recharging $17 for every $100 lent, roughly the same as a percentage that is annual of 443.21per cent.”

Re-payment of a quick payday loan typically linked with the borrowers next paycheck. The debtor writes an individual check payable to ACE and gets money, minus a hefty cost. Although ACE understands that the debtor won’t have funds that are sufficient protect the total amount of the check, it agrees to put on the check before the borrowers next paycheck, or several other date, before cashing it. The loan can be rolled over for another short period if the borrower pays additional fees and interest on the original cash balance at the end of the loan term (usually 14 days) if the borrower still does not have sufficient funds to cover the check.

“all too often the debtor leads to a vicious period, over and over over repeatedly rolling within the initial loan to a spot in which the accumulated costs and interest have devastating effect,” stated Sherry.

“for decades, ACE was selling pay day loans in breach of Californias check-cashing regulations,” stated Jim Sturdevant, lead counsel for Consumer Action. “Its predatory training of focusing on unsophisticated customers and attempting to sell them loans which end in high unsecured debt is an unlawful and business practice that is unfair. ACE just isn’t resistant from Ca regulations,”

One of many primary facets accountable when it comes to emergence of payday loan providers could be the deregulation associated with banking industry. Banking institutions are liberated to pursue bigger, more profitable depositors and overlook the requirement for low-cost banking that is basic. Numerous banking institutions have actually stopped supplying little loans and cashing checks presented by non-customers and also raised deal and upkeep costs on current accounts that are small.

Pay day loans are marketed as an instant, simple method to obtain money if you lack the credit score to get credit cards or even a old-fashioned loan. To be eligible for a loan that is payday many borrowers need not have security. If the finalized check that your borrower provides loan https://cash-central.net/installment-loans-co/ provider just isn’t made good, or he will not spend the loan provider all that the financial institution needs, the financial institution can jeopardize to press unlawful fees against him for composing a check that is bad.

Consumer Actions lawsuit alleges that ACE happens to be Californias that is violating check guidelines and Californias Unfair company procedures Act. Consumer Action seeks a court purchase needing ACE to come back the monies it offers taken illegally from borrowers and an injunction prohibiting ACE from committing such violations later on.

What About the Other 90%??

What's Inside?

  • An understanding of why women choose the men they choose
  • The purpose for which a woman was created
  • A little about Chanda’s life
  • Insight into the basic needs of a woman
  • How powerful a man can be in a woman’s life


When Chanda Mitchell told me that she was going to write a book on the 90% that women are missing out on from men, I was intrigued by the title, “What About the Other 90%?” I thought the title was extremely thought provoking and the question needed to be asked and addressed and answered and not by a man but by another woman who’s been living it out in real time.

In our society we desperately need women authors to rise up and speak to the heart of where their readers live through every day and bring answers to the table that make sense.

Wray Wade
City Council Member at City of Longview

Ms. Mitchell was a welcoming addition to my media team during my re-election campaign for Longview City Council. Most recently she assisted me with interviews with a local television station, which went incredibly well.

Haley Brooke Griffin
Owner of DuBeck& Co

Awesome program! They really helped me with business ideas and even gained business for me. Great experience with Momentum Builders, LLC..

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