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Your case is based upon the evidence you can present. The best lawyers in all history will tell you that—preserve your evidence if you want to win your case.

I antic a Debt collector

I annoy this debt collector with my patriotism

Credit Repair Answers | Credit Solutions

creditservice.pro - 972-265-4378 Like us on Facebook at www.facebook.com Credit Repair answers that you have been looking for! If you are having credit challenges and need some help with credit repair, our knowledgeable staff is here to help. We are the credit sanitizing solution you need at a price you can afford!

Training Your Collectors - Part 3

Session from the GRCA Annual Conference. Learn how to train your collectors to be the best in the industry. Most governments don't get the kind of training necessary to create a great debt collection environment. This session will help you do just that. Find out how to build a training program that will help you and your collectors reach new heights in collection.

Fair Debt Collection Practices Act GETLEGAL

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Protect Yourself from Deceitful Debt Collection Practices

Tim Powderly of the Powderly Law Firm in St. Louis, MO, describes the activities that unscrupulous debt collectors may use if you have unpaid bills, the Federal Acts that protect you from these collectors as well as the protections you may have by filing bankruptcy.

EXPOSED! The ailing ancillary of debt collection

www.worldlawdebtsettlement.comWorld Law Debt Settlement focuses specifically on the process of helping our clients to become debt free. Our service provides you with a straightforward assessment of your legal rights and all your options allowed by law. When you use World Law Debt Settlement, you don't have to make a trip into a law office; rather, you receive information according to your schedule, saving you precious time. In 1998, partners from five of the world's leading international law firms met to discuss the impact of the Internet on the availability of legal services. From that meeting grew several software prototypes for streamlining the most common legal issues, and compiling them into complex database and delivery system. Thus the first automated system to address over 4000 common legal issues was created at worldlawdirect.com Today we're helping to fill the need for efficient legal solutions. In addition to an expanding searchable knowledge database, our systems automatically re-route designated issues to our global law team when the need arises. We provide thorough up-to-date advice on commonly-faced legal issues in over 26 international jurisdictions including the United States. We put the expertise and resources of a global law firm to work for you. Our founding shareholder board included leading international lawyers from the US and abroad. The board worked closely with our premiere global team of Czech and Finnish computer programmers, British software ...

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Discusses the Fair Debt Collection Practices Act and abusive practices in the collection of consumer debt. By Howard | Nassiri, a California law firm that represents consumers victimized by predatory mortgage lending practices. (800) 872-5925.

Alabama Consumer Discusses His Experience With Being Sued By Debt Buyer LVNV

An Alabama consumer discusses his experience with being sued by a debt buyer LVNV and working with us at Watts Law Group, PC. If you would like more information you can go to our main website at www.alabamaconsumer.com or our suit devoted to debt collection lawsuits at suedbyadebtcollector.com You can request our free report on Debt Buyer Secrets. We wish you the best of success! John Watts

Must advocate collectors chase the Fair Debt Collection Practices Act (FDCPA)?

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Debt Collection -- 5 Dirty Ticks -- Credit Reporting After You Win Your Collection Lawsuit

Does the Fair Debt Collection Protection Act administer to Attorneys accession debts?

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FDCPA - Why Should I Use A Collection Log?

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About Allied Interstate, Inc. and the Fair Debt Collection Practices Act (FDCPA)

www.UnfairDebtCollectionCenter.com - Information about Allied Interstate Inc.and the Allied Website, Allied Scam, Allied Phone Number, Allied Contact Number, Allied Debt Collection, Allied Complaints, Allied Better Business Bureau and the Fair Debt Collection Practices Act (FDCPA) laws from the Kahn & Associates law firm and the UnfairDebtCollectionCenter.com.

Debt Collection Abuse - Pete Barry - Green Room

Consumer Rights Lawyer Pete Barry appears in the green room answering web questions on the The Morning Show with Mike & Juliet. The syndicated runs live from New York City.

Debt Collection -- Can A Debt Collector Report On My Credit Report?

The Mirras System

Stop Debt Collectors, and Credit Repair solutions that get results. Simple easy to follow step by step instructions used by 100's to get positive results.

Straight Talk about Debt Collection 2 of 3

www.worldlawdebtsettlement.com World Law Debt Settlement focuses specifically on the process of helping our clients to become debt free. Our service provides you with a straightforward assessment of your legal rights and all your options allowed by law. When you use World Law Debt Settlement, you don't have to make a trip into a law office; rather, you receive information according to your schedule, saving you precious time. In 1998, partners from five of the world's leading international law firms met to discuss the impact of the Internet on the availability of legal services. From that meeting grew several software prototypes for streamlining the most common legal issues, and compiling them into complex database and delivery system. Thus the first automated system to address over 4000 common legal issues was created at worldlawdirect.com Today we're helping to fill the need for efficient legal solutions. In addition to an expanding searchable knowledge database, our systems automatically re-route designated issues to our global law team when the need arises. We provide thorough up-to-date advice on commonly-faced legal issues in over 26 international jurisdictions including the United States. We put the expertise and resources of a global law firm to work for you. Our founding shareholder board included leading international lawyers from the US and abroad. The board worked closely with our premiere global team of Czech and Finnish computer programmers, British software ...

Thom Hartmann: Debt - Am I Going to Have to Kill You?

Thom Hartmann discusses the horrific ways abusive debt collectors threaten and harass their victims with Joseph Mauro, Esq., Consumer Rights Attorney

Part 2 Debt Collection Through Communication / コミュニケーションで債権回収

Steven Gan is the president of Stellar Risk Management Services, Inc., a credit risk management consultancy specializing in commercial accounts receivable insurance, credit reports, financing, and debt collection. From 1992 - 2004, Mr. Gan was the founder and president of the first foreign owned debt collection company, Advance & Associates Co., Ltd., in Tokyo. Through numerous articles, publications, presentations, and television appearances, Mr. Gan greatly deepened the awareness and understanding of the importance of sound credit risk management throughout Japan. For more information please visit www.stellarrisk.com or call at 847-714-0121. スティーブン・ギャンはステラ・リスク・マネジメント・サービス社の代表取締役です。ギャンは1992年より2004年の12年間､東京でアドバンス&アソシエイツ（株）を経営しておりました。ギャンは様々な取材を受け、数多くの雑誌やテレビなどのマスメディアに与信管理･債権回収の"宣教師として紹介されました。日本における与信管理の重要性と理解度を高める活動をしてまいりました。2001年には､「青い目の債権取り立て屋奮闘記」を小学館より出版、多くの方々にご愛読いただきました。是非、http

FDCPA 808 Unfair Practices

www.activerecovery.co a debt collector may not use unfair means to collect or attempt to collect any debt? The FDCPA states that this could mean accepting from any person of a check or other payment instrument postdated by more than five days unless such was done declaring intent to deposit that very same check. And if there are checks, with declared intent they may not be deposited without explicit debtor consent

15 Things that Credit Collectors Cannot Do

The Fair Debt Collection Practices Act, FDCPA, dictates how debt collectors can act when collecting a debt from you. These are things a debt collector can't do. If you need to reference the law, citations have been provided. 1. Ask you to pay more than you owe The collector cannot misrepresent the amount you owe. [15 USC 1692e] § 807(2)(a) 2. Ask you to pay interest, fees, or expenses that are not allowed by law The collector can't add on any extra fees that your original credit or loan agreement doesn't allow. [15 USC 1692f] § 808(1) 3. Call repeatedly or continuously The FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5) 4. Use obscene, profane, or abusive language Using this kind of language is considered harassment. [15 USC 1692d] § 806(2) 5. Call before 8:00 am or after 9:00 pm Calls during these times are considered harassment. [15 USC 1692c] § 805(a)(1) 6. Call at times the collector knew or should know are inconvenient Calls at these times are considered harassment. [15 USC 1692c] § 805(a)(1) 7. Use or threaten to use violence if you don't pay the debt Collectors can't threaten violence against you. [15 USC 1692d] § 806(1) 8. Threaten action they cannot or will not take Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5) 9. Illegally inform a third party about your alleged debt Unless ...

Avoid Foreclosure - Stop Foreclosures

www.lawofficesofbrucerichardson.com STOP FORECLOSURES NOW In asserting a defense to a mortgage foreclosure action, the entire real estate closing, and accompanying loan documents must be analyzed to determine whether a homeowner has any claims, counterclaims or defenses. The following is a list of some of the questions that must therefore be addressed in every foreclosure action: Did the lender comply with contractual notice provisions? Did the disclosures provided at closing comply with the federal truth in lending act? Did the lender comply with the federal fair debt collection practices act? Were the mortgage Banker and/or Mortgage Broker properly licensed? Is the lender the owner and Holder of the Note and mortgage? Have payments been made? Has the loan been properly accelerated? Has the Lender complied with the requirements of the High-Cost Home loan statute? Has the Lender satisfied all procedural requirements? Let's talk about your foreclosure and find a solution to stop it and keep your home. Call 1-800-985-9007 www.lawofficesofbrucerichardson.com

four base tricks

This movie shows you four specific dirty tricks the debt collectors like to play and the specific sections of the Fair Debt Collection Practices Act that apply to them. For more help go to www.yourlegallegup.com.

Stop Debt Collection Agency Harassment - ChisholmVentures.com

Stop Debt Collection Agency Harassment - ChisholmVentures.com

Pete Barry appears on Fox Morning Show with Mike & Julie 1/2

Minneapolis consumer rights lawyer Pete Barry appeared on Fox Morning Show with Mike & Juliet to discuss the effects of abusive debt collection tactics.

Are Debt Collectors Harassing You?

www.fairdebthelpers.com - The FDCPA regulates how debt collectors must behave. If you're being harassed, we can help.

What does the Fair Debt Collection Practices Act cover?

Chip Parker, Parker & DuFresne, www.jaxlawcenter.com - (904) 342-6652. Florida Credit Card Law FAQs: thelaw.tv Disclaimer: thelaw.tv

Debt Collection -- In Alabama, Do You Owe The Debt Of Your Spouse Or Ex-Spouse

Fair Debt Collection Practices Act

Debt Collectors: The 3 Time Limits For Collecting Debts

www.alabamaconsumerprotection.com www.alabamaconsumer.com When you face a debt collector, it is natural to wonder how long the collector has to collect. Or what is the statute of limitations? There are actually 3 time periods we need to focus on. First, the statute of limitations to file suit. The debt collector must sue within this time period. In Alabama this is normally 3 or 6 years. Second, the time to report delinquent accounts on your credit report is normally 7 years after the first major delinquency. Anything after that is too late. Finally, the time period to collect using methods other than suing or credit reporting. We'll hit each of these topics in our next videos. John Watts Birmingham, Alabama

Stop Debt Harassment - Fight Back

www.fairdebthelpers.com Many tactics used by debt collectors are against the law. The FDCPA prevents the use of harassment tactics. You don't have to take it. Fight back.

Robert Paisola on FDCPA Abuse from CNN

All of our audio tapes of debt collector abuse and HD Video's of Debt Collectors Crossing the line caught the attention of New York Attorney General Andrew Cumou.

FDCPA How To Use IT To Get Out Of Credit Card Debt

credit-card-debt-relief-4u.com for expert help on FDCPA contact Mel Thompson who helped himself get out debt and is willing to share his secrets

Credit Harassment Must Stop

www.fairdebthelpers.com - You can put a stop to credit harassment by consulting with a fair debt attorney. 866-339-1156

Re: Racist Debt Collectors Busted By Voicemails

Video Cam Direct Upload

National Enterprise Systems (NES) and the Fair Debt Collection Practices Act

www.UnfairDebtCollectionCenter.com - Information about National Enterprise Systems (NES) and and the Fair Debt Collection Practices Act (FDCPA) laws from the Kahn & Associates law firm and the UnfairDebtCollectionCenter.com.

FDCPA Lawsuit - Before You Meet With Your Consumer Attorney

Before you go and meet with a consumer attorney to discuss a potential case under the Fair Debt Collection Practices Act (FDCPA), you should gather your information so you can clearly lay out what happened to you. This will enable the consumer lawyer to accurately help you and advise you. If you live in Alabama and have further questions, I invite you to pick up the phone and call me at 205-879-2447 or visit my website www.AlabamaConsumer.com or http You can also request our free book on Stopping Abusive Debt Collectors. John Watts Birmingham, Alabama

Advanced Issues for Debt Collection Practice Webinar Series

Sign up for the Advanced Issues for Debt Collection Practice webinars by following these links: Fraudulent Conveyances & Piercing the Corporate Veil: www.iicle.com Citation Examination & The Corporate Debtor Exam: www.iicle.com Ethical Issues in Collection Practice: www.iicle.com Avoiding and Responding to Fair Debt Collection Practices Act Actions: www.iicle.com Audio/video recordings of the webinar series can be pre-ordered here: www.iicle.com TheIllinois Institute for Continuing Legal Education (IICLE) is the leading accredited provider of continuing legal education in the state of Illinois and your partner for a successful practice. We offer a variety of ways to meet your CLE and practice guidance needs, including live courses, online courses, DVDs, audio CDs, IICLE Press publications, and SmartBooks®, an online subscription service with access to all of our publications. Check out www.iicle.com for more information! Disclaimer: Nothing on this site constitutes legal advice from IICLE. For Terms and Conditions for use of this video, see www.iicle.com.

Using TCPA To Stop Car Companies From Harassing You On Your Cell Phone

Consumer attorney John Watts explains how to use the Telephone Consumer Protection Act (TCPA) to stop car loan companies from harassing you on your cell phone. Car companies sometimes feel they can treat you however they want because they are not subject to the Fair Debt Collection Practices Act (FDCPA) but the TCPA does limit their ability to abuse you. If you have any further questions and you live in Alabama, contact me at 205-879-2447 or through my website www.AlabamaConsumer.com.

Great Educational Credit Tips By "Regina Littles

Credit card and debt collector tips to always know. More information at www.reginalittles.com Join the Make Up Your Mind National tour for women in Georgia, South Carolina, North Carolina, Virginia, Florida, Ohio,New Jersey, New York, and Virginia. Don't see your state, you can request it at onenation4change@reginalittles.com or call 321-287-0986.

The Fair Debt Collection Practices Act and how it came to be

To find out more about this subject click here: www.creditnowusa.com Credit Now USA offers assistance and advice on all matters pertaining to personal credit. Click here to find out more: www.creditnowusa.com

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Consumer bankruptcy attorney Erich M. Niederlehner discusses illegal debt collection practices and your rights under the FDCPA. With offices in Pensacola, Mobile, Fairhope, Fort Walton Beach and Panama City we are hear to help. Call 1-888-I'M-BROKE for a free bankruptcy consultation. Bankruptcy Attorney Erich M. Niederlehner talks about debt collection and your rights under the FDCPA.

FDCPA Lawsuit Against LVNV, Collection Lawyers, and Equifax

www.alabamaconsumerprotection.com Alabama consumer attorney John Watts discusses a recent case filed by an Alabama consumer against the debt buyer LVNV, collection lawyers (Couch), and the credit reporting agency Equifax. This all arises out of a bogus collection suit filed by LVNV against the Alabama consumer. She defended the case herself and won. But the collection lawyers (Couch lawfirm) continued to collect against her. Equifax and LVNV agreed to keep the account on her credit report even though she won. We said in our lawsuit this was illegal and wrong.

Top 5 Violations of FDCPA

The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Get a Free case Review from WeStopDebtCollectors www.westopdebtcollectors.com

Special Announcement for Your Legal Leg Up.

Coming soon to yourlegallegup.com - a radical new approach to defending yourself from the debt collectors. Look for it on Thursday. Special announcement youtu.be

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How can you stop debt accumulating harassment?

The Fair Debt Collection Practice Act protects you from harassing debt collectors, a violation of the law can get you $1000.

What accomplishments does the Fair Debt Collection Practices Act accurately prohibit?

Vicky Fealy, Fealy Law Firm, PC, (713) 234-6255. Texas Debt Relief Law FAQs: thelaw.tv Disclaimer: thelaw.tv

Debt Collection, Home Foreclosure, and Harassment by Debt Collectors Are Class Warfare- Fight Back!

If you're being harassed or sued on a debt, check out YourLegalLegUp.com. There is a class war going on, and if you are being sued, or if you are being foreclosed on, you're in it. This video gives you a little perspective on the fight and explains why you should defend yourself. It isn't just to protect yourself and your things, it's a question of liberty. Don't be a victim of class warfare! http

To Debt Collectors, with Love

Debt collectors take a lot of flack in the mainstream media. insideARM has commissioned an original song to speak... er, sing... to the other side of that story.

Debt Collectors -- When Abused, Either Take Action Or Do Nothing

FDCPA - Why Collectors Being Forced To Pay Your Attorney Fees Helps To Settle Cases

When you sue an abusive debt collector under the Fair Debt Collection Practices Act (FDCPA), one of the benefits to the law is that if the collector broke the law, it may be forced to pay your attorney fees. This helps to settle cases because when collection agencies know they have been caught breaking the law, and then they know they may pay not only their attorney but your attorney, this encourages them to "cut their losses". If you live in Alabama and have any questions or would like our free book on STOPPING ABUSIVE DEBT COLLECTORS, then call us at 205-879-2447 or go to www.AlabamaConsumer.com. Thanks John Watts Birmingham, Alabama

Does the Fair Debt Collection Practices Act administer to aboriginal creditors, or is it bound to third-p

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Pietrafesa Anthony J Esq

Pietrafesa Anthony J Esq www.localedge.com we defend lawsuits, we fight foreclosure, foreclosure, speak directly to an attorney,Credit counseling, collections, dedicated to consumer protection, we sue debt collectors, stop collector abuse, we help families,

Michigan FDCPA Attorney Talks About Debt Collector Harassment and Practices

Michigan FDCPA Attorney Talks About Abusive Debt Collectors and Practices Rex Anderson, a Davison, Michigan attorney conducts a "Ask the Lawyer" seminar sponsored by the Genesee Bar Association at the Flint Public Library. He does these seminars once a month for consumers in the area to come and get educated on the FDCPA and TCPA laws concerning debt collectors. In this seminar Rex is speaking on an area of law that is near and dear to him - the Fair Debt Collection Practices Act (FDCPA) and the Telephone Collection Practices Act (TCPA). He covers topics and answers questions such as: 1. Overview of the FDCPA and TCPA 2. Who is covered under these acts 3. How debt collectors can communicate with consumers 4. What debt collectors are prohibited from doing 5. How the consumer can sue a harassing debt collector And much more. If you are a Michigan consumer who is being harassed or abused by a debt collector, call Rex's office immediately at (810) 653-3300. Michigan FDCPA Attorney Talks About Abusive Debt Collectors and Practices www.youtube.com

Bill Bartmann | Entrepreneur | Debt Collection

Who is Bill Bartmann? From starting 7 successful businesses to taking on the evils of the debt collection industry, Bill Bartmann has seen and done a lot. To see more media articles and videos of Bill Bartmann visit www.billbartmann.com fair debt collection, fair debt collection practices,...

FTC Workshop Discusses Foti Compliance

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Debt Collection -- 5 Dirty Tricks -- Credit Reporting On A Debt That You Do Not Owe

Debt Collection -- Illegal Phone Calls To Your Work

Oftentimes debt collectors will call you at work when you are not allowed to receive those types of calls. This can often violate the Fair Debt Collection Practices Act (FDCPA). This tactic of calling you illegally at work is to intimidate you into paying a bill to stop the abuse, whether you owe it or not. Know your rights and take the appropriate action. John G. Watts Watts Law Group, PC 301 19th Street North Birmingham, Alabama 35203 voice - 205-879-2447 fax - 888-522-7167 johngwatts@gmail.com john@wattslawgroup.com www.alabamaconsumer.com www.alabamaconsumerlawblog.com www.birminghaminjuryblog.com twitter.com

Testimonial for Transworld Systems Dental Collections

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n2credit.com

credit repair self help. Teaching consumers how to repair their credit and settle collection debts using education.

Fair Debt accumulating Practices Act (FDCPA) - OVLG

Discussion on Fair Debt collection Practices Act (FDCPA) by OVLG attorney

Informal 05/03/11 Meeting - Norfolk City Council

FY2012 Norfolk City Budget Work Session #1.See the most current formal agenda online here: www.norfolk.gov See previous formal meeting minutes here: www.norfolk.gov See previous informal / work session minutes here: www.norfolk.gov City Council and Clerk's office contact phone # list is here (where residents can comment): www.norfolk.gov

Debt Collector Voicemail Recording

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FDCPA Mini - Miranda Warning (by Phone)

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Performance Appraisal Interviewing

The Performance Appraisal Interview consists of the following three Stages:

1. Preparing for the Appraisal

2. Conducting the Appraisal

3. Following Up

Let's look at each of these in more detail:

STAGE 1: PREPARING FOR THE APPRAISAL

It is important that arrangements for the Performance Appraisal be made well in advance so that both Appraisor and Appraisee have adequate time to prepare properly.

A number of things need to be done in preparation to ensure a fruitful discussion:

1. Review Appraisees' Performance Appraisal Forms to refresh your memory regarding the Performance Measures (Goals/Objectives/KPIs/Competencies) that were agreed with them.

2. Review their previous Appraisal Summary & Performance Optimization Plans (POPs) to see what was agreed that they should work on improving. Did you do what you have undertaken?

3. Study their Performance Record Notes as accumulated throughout the performance period. Consult all other relevant records on their performance.

4. Inform them to prepare for the Appraisal by completing and printing out their Appraisal Prep Forms, and studying/printing out their Performance Record Notes. The system allows you to request that they release their Prep Form to you prior to the appraisal (check your company policy on this).

5. Agree a mutually suitable date and time for the interview. A minimum of one week's notice should be given. For more senior and specialist positions, allow even more preparation time.

6. Select a private, comfortable venue where you can meet in a relaxed, unhurried, informal atmosphere, without disturbances or interruptions. Avoid sitting behind a desk during the interview. Rather sit together with the Appraisee in front of your desk or, alternatively, at a conference table. Sitting behind a desk transmits a nonverbal message of formality, reinforcing the "superior-subordinate" relationship.

7. Set aside adequate time for the Appraisal Interview, which may vary in length from 45 to 90 minutes, depending on the complexity and seniority of the position under consideration.

STAGE 2: CONDUCTING THE APPRAISAL

The Performance Appraisal consists of two distinct parts:

(1) REVIEWING PERFORMANCE: A "backward" look at how well previously set Performance Measures and Standards were achieved, and the factors that affected their achievement.

(2) PLANNING PERFORMANCE: A "forward" look at new or adapted Performance Measures and Standards to be achieved during the next performance period.

The following FIVE STEPS need to be followed to ensure a constructive session:

1. Start with an icebreaker.

2. Explain the purpose of the interview.

3. Work through the Performance Measures (agree Actual Performance, Ratings and POPs).

4. Agree Performance Measures and Standards for the next performance period.

5. Close on a positive note.

The online Official Performance Appraisal Form need to be completed by the Appraisor during (or immediately after) the Appraisal Interview to record the actual performance information, including the ratings and POP notes, as was mutually agreed on by both Appraisor and Appraisee.

Let's now consider each step in more detail:

STEP 1: Start with an icebreaker

Start the discussion with a little small talk to ease the initial tension of the interview.

STEP 2: Explain the purpose of the interview

Explaining how you wish to conduct the Appraisal Interview will let Appraisees know what to expect, and will eliminate any unrealistic fears they may have.

Say something like: "Jane, I would just like to summarize the purpose of today's meeting again: It is to look at how you have been doing with the Performance Measures we have agreed on last time, and to see if there is anything I can help you with in the form of additional resources and training, or removing any obstacles that might hinder you in your work. Having done that, we will look at new or adapted Performance Measures for the next performance period of 'x' months. I will be making notes in respect of everything we discuss and decide. You can view everything I have entered onto the online system on your own PC afterwards. You should just let me know then if I have added anything incorrectly, so we can discuss and rectify it. Do you have any questions or concerns before we start?"

STEP 3: Work through the Performance Measures (agree Actual Performance, Ratings and POPs)

(a) AGREEING ACTUAL PERFORMANCE

Take the Performance Measures - one at a time - and ask the Appraisee how s/he thinks s/he has done with them. Ask for and give facts and "evidence" pertaining to each (also consult the Appraisee's Performance Record Notes).

Your job is to act as FACILITATOR of the process. Always ask for the Appraisee's comments first. The key is to get them to self-appraise. Ask probing questions to get examples and supporting evidence of good performance. If you disagree, don't say so directly - ask questions so that Appraisees can come to more realistic conclusions themselves. Facilitation of this nature is particularly important with Performance Measures where subjectivity may come into play - therefore necessitating the opinion of the Appraisee even more.

Praise them where deserved (be genuine and sincere!), mentioning specific examples of achievement and behavior, e.g.:

"I am particularly pleased with the way you..."

"Your contribution here means that we ..."

When discussing Performance Measures that were not sufficiently met, it becomes even more important for Appraisees to self-appraise. It is so much more effective if they mention areas for improvement themselves. People can also sometimes be much harder on themselves than you would like to be.

Explore the factors that have affected their performance. Probe: "Why?", "What Happened?", "What would have helped", "How can we correct the situation / avoid it from happening again?"

Using 'we' as opposed to 'you' in trying to find solutions to problems indicates to Appraisees that they are not alone in this, and that your support is always available.

Be careful not to apportion blame. Discuss performance, not personality (what they do, not what they are). Focus on performance improvement and actions to prevent the recurrence of problems. There is nothing you or anyone else can do any more about the past. Rather use the lessons from the past to improve on the future. Concentrate on behavior that CAN be changed, and give praise where possible - even when discussing poor performance.

Avoid negative words such as "mistakes", "sloppy", "careless" and "shortcomings". The key is to keep your feedback constructive and nonjudgmental, maintaining the Appraisee's self-esteem throughout.

Admit openly if you have a shared responsibility for the Appraisee's under-performance, and undertake to set this right. Also admit if you are wrong in your interpretation of the facts.

If they blame you for something that went wrong, stay calm and avoid defending yourself - respond in a non-reactive way and don't get personal. Avoid arguments, by focusing on facts and supporting evidence. Always avoid comparisons with other people.

VERY IMPORTANT: You may never drop a bombshell (surprise) on the Appraisee by mentioning areas of under-performance for the first time during the Appraisal Interview. These, plus positive feedback, MUST be given to employees as soon as realistically possible after the event itself.

This, in effect, means that the Performance Appraisal only becomes a SUMMARY of what the Appraisee already knows, thus reducing most of the frequently reported stress that line managers have when conducting Appraisals.

Don't allow Appraisees avoiding areas of under-performance. Attempt to draw it from them with probing questions. If they persist in avoiding certain issues, give it to them straight, but sensitively, e.g. "Jane, let's now talk about the three customer letters of complaint we have received over this performance period. How do you feel about that?"

(b) RATING PERFORMANCE

After each Performance Measure had been discussed, and the agreed Actual Performance Notes recorded, the Appraisor and Appraisee need to give it a realistic performance rating. For this purpose, use the Rating Key descriptions and consider the Performance Standards and/or Behavioral Indicators listed on the Performance Appraisal Form for each Measure.

It is wise never to give your own preliminary ratings (even if the Appraisee asks for it). Rather ask the Appraisee what s/he thinks would be a fair rating based on actual performance as agreed and recorded. If s/he is unrealistically high, facilitate a more realistic rating by asking questions such as:

"Considering the three customer complaints you have received Jane, how do you justify a 4-rating that reads: 'Above Target/Standard?'"

"Considering the number of customer complaints you have received Jane, how do you justify a 3-rating that reads: 'On Target/Standard, including small deviations plus or minus'?. I cannot agree that three such rather serious complaints be regarded as small negative deviations. What do you think?"

Be prepared to adjust your thinking on a rating if the facts and arguments offered, justify this.

Care must be taken that the rating of performance does not deteriorate into a battle of wills. The secret is to stick to actual performance as proven by performance data/statistics, and recorded incidents/evidence (that were discussed with the employee at the time).

Of course, as line manager, you retain the prerogative to insist on a rating that you are happy with, as long as you can offer your reasons for it, whether the Appraisee accepts it or not.

Consider bringing in your line manager as arbitrator if you and the Appraisee cannot reach agreement on Actual Performance or Ratings. His/her decision will be final, although, in many organizations, an unhappy Appraisee may still resort to taking it further in some way, i.e. lodging a grievance (consult your organization's Human Resources policy in this regard).

However, by following the above-mentioned steps and principles carefully, major differences in opinion between Appraisor and Appraisee could be largely avoided. Both parties should also approach the appraisal process in a positive, constructive spirit so that Performance Management and Appraisals will effectively deliver on their intended purpose.

Remember: The primary aim of the Performance Appraisal is to identify stumbling blocks that prevent the Appraisee from performing optimally, and should therefore be an open discussion to achieve just that. The rating of performance is secondary and should not detract from the problem-solving purpose of the discussion.

(c) COMPLETING PERFORMANCE OPTIMIZATION PLANS (POPs)

Performance Measures and Standards that have not been met need to be put back on track. Engage in joint problem solving to do so, as each Performance Measure is discussed. The result of this discussion is recorded in the Performance Optimization Plan (POP) field of each Performance Measure on the Performance Appraisal Form.

Remember, employee training and coaching are seldom the only solutions for addressing unacceptable performance or work behavior. Poor performance or behavior can more often than not be ascribed to a combination of: a lack of resources and work tools; poor systems/policies/procedures; poor reward/recognition practices; insufficient performance feedback; other poor management practices, and a generally counterproductive working environment and organization culture.

Be open-minded to consider and address all of these. Frequently, these are for the Appraisor/Organization to address, and not the Appraisee. Along with employee training and development, the result will be continuous performance improvement, organization development, and proactive change management - leading to a "Learning Organization" in the true sense of the word.

Again, Appraisors should get suggestions from the Appraisee first before adding their own.

STEP 4: Agree Performance Measures and Standards for the next Performance Period

This is the "forward-looking" section of the interview as mentioned above. This part of the discussion can be handled right now as the "second half" of the interview, or as a separate session within the next week or two.

It is crucial that new or adapted Performance Measures and Standards be discussed and documented as close as possible to the start at the new performance period, so that the employee has the bulk of the time to deliver on them.

Also discuss any support you need to give Appraisees. Support is all about minimizing environmental barriers to performance, providing them with the necessary resources, training and coaching opportunities, and improving their motivation.

STEP 5: Close on a positive note

Make a positive closing statement, reiterating your appreciation of the Appraisee's efforts, ensuring them of your trust in their abilities and future performance, e.g.: "Jane, that concludes our discussion then. Thank you for the frank and constructive way in which you have approached it. I would just like to end off by thanking you once again for the effort you have put in over the last 'x' months, and also to ensure you of my full trust in your abilities to tackle your new objectives and targets competently. Please rest assured of my commitment to support you where I can, and do not hesitate to push on my button at any time."

STAGE 3: FOLLOWING UP

The Performance Agreement for the next performance period can be viewed as a negotiated contract. Appraisees are committing themselves to achieve certain objectives/targets in return for specified support from their line managers. It is crucial that you deliver on this promised support.

Provide all possible psychological support (praise, recognition, encouragement, etc.) and physical support (work tools, equipment, finances, staff, etc.).

Show interest by MBWA ("managing by walking around"), i.e. be there where the action is, observing their performance, enquiring about progress, and offering assistance.

Arrange the necessary training and coaching as identified.

Provide regular feedback on performance (both positive and negative/constructive) as soon as possible after the event.

Create a pleasant working environment and climate where people can fulfill their social and other motivational needs, while maintaining a business focus and urgency.

GENERAL CONSIDERATIONS IN RESPECT OF APPRAISAL INTERVIEWS

A Firm Manner

Do not accept any ideas or suggestions from Appraisees that you are not fully satisfied with or that are not congruent with corporate and your own goals and standards. Tell them what these nonnegotiable parameters are that you cannot compromise on.

You do need a certain firmness of manner, which should be used as required during the Appraisal. It is your job to keep the interview on track and not allow serious digressions.

Firmness of manner means assertiveness, not aggression. It means ensuring you keep control of the interview -- always politely, but with authority.

Confidentiality

It is essential that you are discreet. The Appraisee must be able to trust you to keep whatever is discussed confidential.

Fair Assessment: External factors affecting performance

In assessing an Appraisee's performance, the extent to which circumstances beyond their control have influenced the achievement of their objectives, must be taken into consideration. This means that, if these circumstances have contributed greatly to good results, they should not get the benefit of it. Likewise, they should not be punished if adverse, uncontrollable causes have prevented them from achieving their objectives optimally.

The quality of an employee's performance also frequently depends on how good, reliable, and consistent the work output of others are, that input into their own work area.

Can the non-achievement of objectives also possibly be ascribed to the fact that other objectives took priority over it at some point?

Also ask yourself to what extent the performance environment (organization culture, policies, rules, systems, structure, infrastructure, resources, etc.) has prevented Appraisees from achieving their goals.

Appraisal Pitfalls

The following needs to be avoided during the performance rating process:

1. Tendency to give all employees more or less the same ratings, or giving an employee the same rating on all his/her Performance Measures (to avoid potential conflict).

2. Consistently being too strict or too lenient.

3. "Job Halo", by giving higher ratings to certain employees based upon your personal preferences, or one-off incidents instead of actual performance over the entire period. Managers should differentiate very clearly between those employees who achieve their objectives and those who do not, and give clear messages to both. "Compromising" and giving all employees the same bonus or increase will give the wrong message to everybody. Top performers will feel punished (even cheated) and poor performers will be rewarded.

Managers must have the courage of their conviction to give credit where credit is due and not be manipulated by those poor performers who rather bet on the manager's fear for confrontation. Such managers invariable end up losing the respect and loyalty of both types of performer.

The Performance Optimization Plan (POP)

Staff Training and Coaching (as per the traditional Personal Development Plan) are seldom the only solutions for addressing unacceptable performance or behavior. Poor performance or behavior can more often than not be ascribed to a combination of: a lack of resources and work tools, poor systems/policies/procedures, poor reward/recognition practices, insufficient performance feedback, other poor management practices, and a generally counterproductive working environment and organization culture.

Be open-minded to consider and address all of these. Frequently, these are for the manager/organization to address, and not employees. Along with staff training and development, the result will be continuous performance improvement, organization development, and proactive change management - leading to a "Learning Organization" in the true sense of the word.

Debt Collection Response

Thanks to Google Voice, this is the voicemail that debt collectors hear when they call me. Thanks, guys! Lyrics: Go away from my voicemail, Leave at the fastest possible speed. I'm not going to pay you, I won't bend to your greed. You say you want to help me, to offer me a deal, The thing that you don't get is, I can't afford a meal. You might as well be calling a brick wall, Go away, babe. Go, go, go, go away, babe. I am not paying this debt, babe.

Examples Of Illegal Third Party Contacts By Debt Collectors

Consumer Attorney John Watts discusses examples of how abusive debt collectors violate the Fair Debt Collection Practices Act (FDCPA) by contacting third parties. Some of the typical ways the FDCPA is violated by bill collectors is asking neighbors to take a message to the consumer, asking if the consumer is feeling ok, etc. If you would like more information, please contact us by phone at 205-879-2447 or visiting our website at www.alabamaconsumer.com If you would like our free report "How To Make Debt Collectors Pay For Illegal Third Party Contacts" by calling us at 205-879-2447 or through our website - www.alabamaconsumer.com

Philippine Oil Deregulation - A Policy Research Analysis

I. INTRODUCTION

The Policy As An Output

Embodied in the Republic Act No. 8479, otherwise known as the "Downstream Oil Industry Deregulation Act of 1998," is the policy of the state that deregulates the oil industry to "foster a truly competitive market which can better achieve the social policy objectives of fair prices and adequate, continuous supply of environmentally-clean and high quality petroleum products" (Congress 1998).

With deregulation, government allows market competition. That means government does not interfere with the pricing, exportation, and importation of oil products, even the establishment of retail outlets, storage depots, ocean-receiving facilities, and refineries.

It has been a decade ago since lawmakers made a proposition that deregulation would secure the Philippines from the vulnerability of oil price shocks due to its heavily dependent on imported oil. But it is now increasingly apparent that many are calling to scrap the law as six out of ten Filipinos favor the repeal of RA 8479 (Somosierra 2008).

The Policy As A Process

When President Fidel Ramos started his administration in 1992, the country had already started feeling the effects of power supply deficiencies, with major areas already experiencing power interruptions. The power crisis caused a slowdown in the national economy for nearly three years and prodded the government to initiate major reforms in order to rehabilitate the energy sector (Viray 1998, p.461-90). In response to a power supply crisis, Ramos revived the plans to liberalize the oil industry that were cut short during the Aquino administration due to Gulf crisis.

The government's efforts to enact an oil deregulation law were also intensified in 1995 when the Oil Price Stabilization Fund (OPSF ) started to threaten the fiscal stability of the economy. Deregulation was thus seen as the solution to the recurring deficit.

The problem of the OPSF deficit was in part related to the highly political nature of oil prices, which encouraged government to defer price increases as much as possible in order to avoid public protest even at the expense of incurring a fiscal deficit. However, government mismanagement of the fund also included using it for non-oil purposes such as financing other government projects or the public sector deficit when it was in surplus (Pilapil 1996, p.12).

At the height of a strong lobbying effort for deregulation by oil companies and despite the loud opposition of militant groups, the industry was eventually deregulated in 1996 with the enactment of RA 8180 (the Downstream Oil Industry Deregulation Act of 1996) in Congress.

However, Supreme Court declared in 1997 the unconstitutionality of RA 8180. The Court decision stemmed from three provisions in the law that were deemed to inhibit free competition and therefore, violated the anti-trust mandate of the 1987 Constitution (Supreme Court 1997). But administration Congressmen quickly re-filed the oil deregulation bill leading to the new oil deregulation law. RA 8479 was then enacted to pave the way for the full deregulation of the oil industry. Since then, government has no longer control over the industry. What it can do is only monitoring.

Applicable Models

The policy model that best describes the policy process is Vig and Kraft 1984 model where policy stages/phases are characterized by five elements: 1) agenda setting, 2) policy formulation, 3) policy adoption, 4) policy implementation, and 5) policy monitoring.

On the other hand, the model that best describes the policy approach is Mixed Scanning because the Ramos administration resorted to rational planning process and incrementalized on liberalization plan of the Aquino government.

II. THE POLICY IN THE CONTEXT OF THE POLICY SYSTEM

The Policy Environment

Identified policy environment includes the regime characteristics of Ramos Administration, socio-economic structure in 1990's, and the prevailing international financial influence on the country's economy and politics.

The Policy Stakeholders

Identified as stakeholders in this policy are the Filipino people, the President, Legislators, Supreme Court, DOE, DOJ, DTI, NEDA, the oil companies, NGO/advocacy groups, and media.

The Interrelationships Between Policy Environment And Stakeholders

Despite a strong opposition coming directly from ordinary people, transport groups, and NGOs, the oil deregulation policy was still pushed through. It was formulated and instituted under the regime of President Ramos who, in his flagship program called the Philippines 2000, envisioned to make the country globally competitive by pursuing the thrusts of deregulation, market liberalization, and privatization. The media then exposed the fact that the biggest factor that influenced the formulation of the policy was the perceived eventual bankruptcy of the Oil Price Stabilization Fund, which had been originally established by President Ferdinand Marcos for the purpose of minimizing frequent price changes brought about by exchange adjustments and/or an increase in world market prices of crude oil and imported petroleum products.

Influenced by the International Monetary Fund, Ramos administration argued that there was a need to deregulate the industry because under a regulated environment, prices are not allowed to rise and fall with market levels. This means that when prices went up, government had to shell out money to subsidize the difference between the old and the new price.

According to the National Economic Development Authority (NEDA), had the government opted not to deregulate, OPSF obligation would have ballooned to at least P8.3 billion in 1998. The P8.3 billion is equivalent to the construction of more than 4,500 kilometers of provincial roads, 51,000 deep wells of potable water, 25,000 school houses, or free rice for 20% of the poorest Filipinos (Bernales 1998)

The Supreme Court in 1998 ruled in favor of the constitutionality of the Downstream Oil Industry Deregulation Act of 1998. Since then, it has been the policy of the subsequent administrations to deregulate the industry. DOE, DTI, DENR, DOST are agencies mandated to serve as the monitoring-arm of the government.

Is The Policy Working?

The answer is obviously "No." IBON Foundation reported that the Oil Deregulation Law has further strengthened the monopoly of the big oil companies as automatic oil price hikes are allowed. Consequently, other oil companies took advantage of the policy, hiking pump prices of all petroleum products by around 535% since the Oil Deregulation Law was first implemented in April 1996 (Bicol Today 2007). The policy is also unable to solve or, at least, mitigate the effects of global oil crisis.

III. THINKING ALOUD

A. Repeating The Process

a.1 Problem Definition/Structuring

It has been recognized that the problem with oil is far from over as deregulation policy fails to meet its goal to foster a truly competitive market and reasonable oil prices. The current president herself, Gloria Macapagal Arroyo, acknowledges the fact that the oil crisis is threatening to erode the very fiber of the Philippine society.

Unlike in 1998, the crisis today seems to be more irreparable as the United States is facing what many economists describe as the worst economic crisis in its history, triggering unstoppable skyrocketing of oil prices and prices of foodstuffs around the world. As already stated, the oil crisis is a global one and has to be addressed not only at the national level, but at the international level as well.

But why is the oil crisis a global crisis? Is it really beyond the government control?

The Philippines, like many other nations, buys the oil at the spot market. By "spot" is meant, that one buys the oil at a market only 24 to 48 hours before one takes physical (spot) delivery, as opposed to buying it 12 or more months in advance. In effect, the spot market inserted a financial middleman into the oil patch income stream.

Today, the oil price is largely set in the two futures markets: London-based International Petroleum Exchange (IPE) and the New York Mercantile Exchange (NYMEX). Here, traders or investors buy or sell certain commodities like oil at a certain date in the future, at a specified price. Basically, traders invest in the futures market by buying futures contracts called "paper oil" or simply paper claim against oil. The very purpose of buying oil is not to wait for the actual delivery of the physical oil in the future, but to sell the paper oil to another trader at a higher price. That's how investors engage in widespread speculation; and it is becoming a viscous cycle. Almost all countries, including the Philippines, buy the oil at the spot market where the price is already at its peak.

In a year 2000 study, Executive Intelligence Review (EIR) showed that for every 570 "paper barrels of oil"-that is futures contracts covering 570 barrels-traded each year, there was only one underlying physical barrel of oil. The 570 paper oil contracts pull the price of the underlying barrel of oil, manipulating the oil price. If the speculators bet long-that the price will rise-the mountain of bets pulls up the underlying price (Valdes 2005).

This only disproves the popular assumption that oil price hike has something to do with the "law of supply and demand." In fact, as much as 60% of today's crude oil price is pure speculation driven by large trader banks and hedge funds. It has nothing to do with the convenient myths of Peak Oil. It has to do with control of oil and its price (Engdahl 2008).

In its recent statement, IBON Foundation cited a study conducted by the U.S. Senate Permanent Subcommittee on Investigations, which revealed that 30 percent or more of the prevailing crude oil cost is driven only by speculation. IBON further cited that speculation adds about $35 to a barrel of crude oil (Martinez 2008).

a.2 Developing Alternative

In the face of the alarming oil price hike that threatens the survival of ordinary Filipino people, a number of stakeholders call for alternative solutions: 1) amendment of the Oil Deregulation Law, 2) scrap/repeal the law, 3) removal of 12% vat on oil, 4) seek alternative sources of energy, and 5) engage in country-to-country oil agreement.

a.3 Options Analysis

1. Amendment of the Deregulation Law

As the public continues to hurt from surging oil prices, many policy makers call to re-examine the Downstream Oil Industry Deregulation Act of 1998. One of whom, is Ilocos Sur Rep. Eric Singson who has sought several amendments in the said law to ensure transparency in the pricing of oil products and encourage greater competition in the retail industry, which has been under the influence of giant oil companies. He cited the need to amend Sections 14 and 15 of RA 8479 to strengthen the powers of the Department of Energy (DOE) so it can effectively carry out its mandate to inform and protect the public from illicit practices in the oil industry and to provide more financial assistance for the establishment and operation of gasoline stations, which will encourage investment and fair competition (Malacanang 2005).

2. Scrap/Repeal the Oil Deregulation Law

To many, amending the law is not enough to rectify the skyrocketing prices of oil and oil-based products; they demand for the repeal, instead. A lawmaker from the Lower House, Cagayan de Oro City Rep. Rufus Rodriguez filed House Bill 4262 aiming to repeal Republic Act No. 8479, arguing that instead of fostering a competitive market, the law has only strengthened the oil cartel in the country and brought the oil prices up. The bill also seeks to re-establish the Oil Price Stabilization Fund. He articulated that dominant oil companies still dictate the price because even new oil industry players get their supply from the giants (Sisante 2008).

Militant groups and other non-government organizations have staged rallies and strikes all over the country in opposition of the deregulation policy. Kilusang Mayo Uno (KMU), one of the country's prominent labor groups, contested that cartelization still exists amidst deregulation. In its recent statement, KMU articulated that with recent Dubai oil prices pegged at $97 per barrel (as of 3rd week of September), local price of diesel is at P49/liter; while when Dubai crude was at $97/liter on Nov. 6, 2007, diesel in the Philippines was sold only at P37.95/liter, or P11.05/liter lower than the present rates (GMANews.TV 2008).

3. Removal of 12% VAT on oil

Senator Mar Roxas said that government must heed calls to remove the 12% value-added tax (VAT) on oil and oil products as prices continue to go up despite the lowering of oil prices in the world market. Roxas had filed Senate Bill No. 1962. However, in her eighth State of the Nation Address (SONA), President Arroyo, stated that it will be the poor who will suffer the most from the removal of VAT on oil and electricity as this will mean the loss of P80 billion in programs being funded by her tax reform (Arroyo 2008).

4. Alternative sources of energy.

While many have engaged themselves in the long-running debate about amendment vs. repeal of the law, a number of stakeholders argue that Philippine government must, instead, focus on alternative sources of energy to rectify the heavy dependence on imported oil. Senator Juan Miguel Zubiri, now considered "Father of the Philippine Biofuels Bill," has hyped biofuel as the miracle product which can lower oil prices. But more and more scientists are worried that focusing on biofuels could jeopardize food production.

The Philippine LaRouche Society, an increasingly emerging think tank organization in the country, says that biofuel advocacy is a losing proposition as it competes with food production for human consumption. The organization calls, instead, for the revival of the Bataan Nuclear Power Plant (BNPP) as soon as possible to provide the population with a cheap, reliable, and continuous source of power to subsequently free the people from dependence on oil. The organization further articulates that since that will require huge financial requirements, the Philippine government must, therefore, declare a moratorium on foreign debt payments-since much of which are onerous and merely product of "bankers arithmetic" (Billington 2005).

5. Country-to-country oil agreement

The Philippine LaRouche Society has long been proposing to the government to initiate immediate steps to establish bilateral contract agreements with oil-producing countries of not less than 12 months' government scheduled deliveries at reasonable, fixed prices. Government can also enter into commodity-swap agreements with oil-producing countries.

As a member of the United Nations and other intergovernmental associations like APEC and WTO, the Philippine government should join the growing worldwide call for a fair and honest oil trading by de-listing oil as a commodity traded in the futures market.

a.4 Deciding the Best and Most Feasible Option

It must be known to all the Filipino people that oil deregulation, as a policy, has failed to foster a truly competitive market towards fair prices and adequate, continuous supply of environmentally-clean and high quality petroleum products. Proposed solution # 2 (scrap/repeal the Oil Deregulation Law) is therefore a better option. But repealing the Deregulation Law is not the ultimate answer to the rise in oil prices. Even if the law is repealed, the Philippines will still be subjected to the same factors-a rise in oil prices in the global market.

Proposed solution # 5 (country-to-country oil agreement) can address the issue of the oil crisis at the international level. How about the efforts to solve the crisis at the national level?

The Philippine government must revive the Bataan Nuclear Power Plant to provide the population with a cheap, reliable, and continuous source of power to subsequently free the people from dependence on oil. As proposed, government must direct enough funds, instead for debt servicing, towards the revival and upgrade of BNPP. Removal of the entire E-VAT, not only on oil, must also be taken into consideration to ease the pain of the Filipino people. By moratorium, government doesn't have to extract a pound of flesh out of every Filipino to have the means to fund its programs.

B. Why seemingly "better" options are not adopted? The Peculiarities of the Philippine Policy System

From the standpoint of the present administration, amending RA 8479 seems to be difficult to adopt because re-regulating the oil industry would mean subsidizing oil prices-something like OPSF. To many, this does not work in an era of rising crude prices because it would entail government resources. This is where debt moratorium comes in as an effective fiscal strategy. But moratorium, to many skeptics, is unwise because they fear the blackmail or retaliation of the multinational creditors. Our leaders must learn how then President Nestor Kirchner of Argentina defied the predatory financial institutions, averring that "There's life after the IMF."

On the other hand, many leaders deem country-to-country oil agreement impossible to implement as the giant oil companies have still strong influence on the policy-making process in the country. On the part of the oil companies, it will be a huge loss if government will assert its power to have a bilateral agreement with any of the oil-producing country. Also, many leaders consider the Philippines as a small nation with no voice in the international assembly. But it is a matter of having "big balls," to put it in a figurative language. After all, they are the leaders and are mandated by the Constitution to protect and promote the general welfare.

Another peculiarity of the Philippine policy system is the negative perception towards nuclear energy. BNPP has been stigmatized as being environmentally dangerous and as being associated with "corruption." The fact of the matter is, the technology has already evolved and been modernized. The Philippine government spent $2.3 billion to build BNPP without generating a kilowatt of electricity. It is high time to revisit the old strategy to finally free the country from dependence on imported oil.

It is worth mentioning that the International Atomic Energy Agency inspected the power plant in Bataan early this year and reported that this could be rehabilitated, in full compliance with high international safety environment standards, in at least five years at a cost of $800 million (Burgonio 2008). The Philippine LaRouche Society emphasizes the importance of declaring debt moratorium as a fiscal strategy to start the rehabilitation. The organization argues that the Philippines is servicing the debt over US $10 billion per year, which is more than enough to start the full operation of BNPP (PLS 2008).

IV. INTEGRATION AND RECOMMENDATIONS: TOWARDS A BETTER PUBLIC POLICY SYSTEM

With the recognition that oil crisis is a global oil crisis, affecting the lives of all inhabitants of our planet, it is incumbent, therefore, upon the leadership of the Philippines to immediately take the following steps:

A) To immediately repeal the oil deregulation law, for the government to assert its sovereign power to have control over the oil industry and economy as a whole.

B) To propose at any international summit or assembly that oil, being a commodity, critical to the continuation of human life, be de-listed as a commodity traded in the futures market, thereby escaping the clutches of unscrupulous people and speculative financial institutions.

C) To initiate immediate steps to establish bilateral contract agreements with petroleum-producing countries of not less than 12 months' government scheduled deliveries at reasonable, fixed prices.

D) To design a comprehensive energy development program, such as nuclear power plant being the most cost-efficient source of energy to date, for the purpose of freeing our country from complete dependence on imported energy sources. To this end, moratorium on foreign debt must be taken into account as a paramount fiscal strategy.

The crisis, which we now face as a nation, requires understanding of the problems through diligent study and concomitant courage to do what is right for the benefit of the present and future Filipino generations.

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(Part 4 of 5, 09.21.10, Foster City, CA) FAIR DEBT COLLECTION ACT with Robert Childs, FMA

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Debt Collection -- 5 Dirty Tricks -- False Credit Reporting After You Settle The Debt

Free Criminal Background Check - Get Someone's Criminal History Free

Getting a free criminal background check is definitely something that is in high demand. With all of the current events pointing to relatives and close family friends as the culprit to some of the most violent and disgusting crimes, these types of reports are becoming common place in our society.

So, how do you get free police records?

In order to get someones criminal history check completely free of charge one must understand the technology that they currently have at their disposal. Where is the first place that most people go for information on line usually? Yup, you guessed it, Google. The same holds true for trying to lookup public records. You will be surprised to know that most newspapers and courthouses publish certain information online. This type of information normally includes arrest records and criminal history logs. For instance, if a news paper has a section of the paper that includes a police and fire section usually they will have a list of arrests for any given week.

It is because of this that you can often times dig up relevant information online by simply searching for their name, phone number, or address. It is wise to search for the various terms in a number of ways including, with quotation marks, without quotation marks, and different variations that you can come up to. One thing to keep in mind that due to the sheer power of a tool like Google you are often going to have many thousand or hundreds of thousands of results to sift through. Because of this, it is not always possible to rely on this method unless you have plenty of free time. This is especially true when you are seeking to do a criminal lookup on a person with a common name.

Is There another way to access public records?

Yes, there certainly are other options to get to the bottom of someones criminal past. when someone gets arrested or convicted of a felony or a lessor charge, this information is often considered to be a matter of public record. Because of this, you may be able to gain access to someones arrest record by getting access to the courthouses public database.

In order to do this though, you will first have to make an initial visit to the court in whatever jurisdiction the person lives in or has lived in for a majority of their life and fill out an application for information. Often times the different courts might have a website where you can apply electronically however, most of them require that you do it in person. After you have filled out the proper paperwork it usually takes anywhere from twenty four to seventy two hours for them to either approve or deny your request. If you are approved you will then have the opportunity to visit the courthouse and gain a limited amount of access to the public records database.

Keep in mind that the information that you are presented with is usually not organized or sorted in any particular way and it could take you several days to get the police records that you are looking for. It is also worth mentioning that if the person that you are investigating has lived in more than one city or state that these steps could possibly have to be repeated several times over in order to get the records that you are looking for. The people that have the most amount of success with this method are the people that have disposable time or time that is not already dedicated to other projects. While time consuming, if used correctly with a little bit of patience success is possible.

What if the above methods do not get me the background check I need?

If the above methods fail to get you the free criminal background check that you are looking for it is possible that you have to explore other options. By other options I am referring to sites that are available online for all of us to use that maintain a database of most of the countries population and the crimes they have convicted along with relevant convictions. One thing about these types of sites that is important to note is that the results are instant. From the time you enter the website you are in possession of a criminal history report in under a few minutes. It is this feature alone that makes these services so attractive and convenient to the do it yourself investigator. The report includes a detailed criminal background report on the target of your investigation that includes information such as arrests, convictions, address report, phone report, social security number verification, known associates, bankruptcy information, marriage records, divorce records, and other information that might be pertinent to your investigation.