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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

PAGE COUNT: 150


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Please be aware there are 2 kinds of financial obligation you could legitimately be arrested for perhaps maybe not spending.

The U.S. Congress abolished debtors’ prisons in 1833. Exactly just What this meant had been that a person could not any longer be imprisoned for neglecting to spend a “civil financial obligation” like a credit card, payday advances, figuratively speaking, utility bills or perhaps a medical bill. Nonetheless, a February 2018 report through the United states Civil Liberties Union (ACLU) discovered loan companies are exploiting loopholes within the system that is legal arrest US customers for outstanding debts.

Before we dive in to the nitty-gritty details below, we should stress that this informative article talks about whether a person customer may be arrested for neglecting to spend civil debts in specific.

Take note there are two kinds of financial obligation you could legitimately be arrested for perhaps not spending.

Back once again to the debts that are civil…

Legal Defenses for Customers

Underneath the Fair business collection agencies techniques Act of 1977, loan companies are prohibited from threatening or deceptive customers, which include threatening arrest. The Federal Trade Commission (FTC) as well as the customer Financial Protection Bureau (CFPB) are both tasked with overseeing that creditors adhere to this law.

Whenever Congress passed the Fair commercial collection agency tactics Act, the legislative human anatomy respected that a most of customers want to spend their debts and that many overdue debts aren’t deliberate. Especially, Congress noted, “When default does occur, it really is usually as a result of a unexpected event such as unemployment, overextension, serious disease, marital problems or breakup.”

Research by the Pew Charitable Trusts unearthed that one out of three families that are american no cost cost savings at all and that 41 % of households didn’t have $2,000 to pay for an urgent situation cost. The possible lack of cost cost savings and monetary assets to tide a family group over in crisis is a much greater issue among more youthful individuals and racial and minorities that are ethnic.

Financial Obligation Epidemic

Each year, according to the Urban Institute about one in three adults in the U.S., or some 77 million Americans, has a debt that has been turned over to one of the more than 6,000 debt collection firms operating in the U.S.

The common level of non-medical financial obligation in collections is $366, even though the median debt that is medical collections is $207, in accordance with the ACLU.

Inspite of the typical financial obligation in collections being not as much as $375, with some less than $28, the ACLU discovered that in 44 U.S. states, commercial collection agency organizations have actually partnered with regional courts and prosecutors’ workplaces to try and force repayments.

In specific, the ACLU discovered arrest warrants being released in almost every form of personal debt or loan: medical bills; federal and student that is private; lease re payments and unpaid homeowners’ relationship charges; home loan foreclosure deficiencies; unpaid heating fix bills, unpaid resources bills, and balances owed on furniture purchases made on credit; car claims, and gas bills; high-interest pay day loans and vehicle name loans; small-business commercial loans and gear funding; charge card debts; gymnasium charges; revolving financial obligation reports at stores; daycare center fees; online education courses from for-profit universities; and college textbook costs.

One of the medical debts that led to arrests had been costs owed to radiology workplaces, surgery facilities, women’s medical care providers, dentists, urgent health care providers, pediatric clinics, rehabilitation solutions, pharmacies, addiction service providers, and ambulance solutions.

“Our documents reveal the courts appear to have been co-opted by your debt collection industry,” said Jennifer Turner, writer of “A Pound of Flesh: The Criminalization of personal financial obligation,” and principal rights that are human at the ACLU. “It’s actually an unholy partnership.”

Is it possible to Visit Jail for not Credit Card that is paying Debt?

Every state, either by constitutional supply or statute, presently forbids imprisonment for failure to pay for debts that are civil. Nevertheless, courts will get around these prohibitions simply by using their authority to carry debtors in contempt for failure to comply Delaware car and title loans with post-judgment sales like in-court examinations, breakthrough sales, or, in certain full instances, court-ordered installment plans.

Especially exactly exactly exactly what the ACLU discovered included:

“If disreputable loan companies are likely to utilize tricks similar to this to turn matters that are civil unlawful, then a laws and regulations must be amended to shut loopholes that may place hardworking families prone to prison time,” stated Gary Herman, President of Consolidated Credit. “Without any doubt, individuals should remember to spend whatever they owe, but you should not need to worry being place in prison alongside hardened crooks. in the event that you lose your task and can’t pay off a financial obligation,”

Know Your Rights

Thousands and thousands of civil suits are filed yearly when you look at the U.S. regarding outstanding financial obligation. Mainly because legal actions oftentimes have small information detailing just exactly just how money that is much owed and also by who, many customers don’t also recognize they’ve been sued and for that reason are not able to appear in court.

For those of you people that do answer the lawsuit, less than ten percent are represented by a lawyer, that will help explain why significantly more than 95 % of business collection agencies suits end up in favor associated with collection agency.

“The personal business collection agencies industry makes use of prosecutors and judges as tools against scores of People in america who can’t manage to spend their bills,” said Turner. “Consumers have actually small possibility of justice whenever our courts make the financial obligation collector’s side in virtually every instance — even to the level of purchasing individuals jailed until they spend up.”

Alan White, a consumer law teacher at CUNY class of Law, will follow Turner. “If, in effect, folks are being incarcerated until they spend bail, and bail will be utilized to cover their debts, then they’re being incarcerated to pay for their debts.”

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

WHAT PEOPLE ARE SAYING


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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ADDRESS, PO Box 6453, Longview, TX 75608