Wednesday, November 21, 2007

Online Promotional Codes

On my local news tonight I found out some valuable info just in time for Black Friday! Go to your search engine and type in "Online Promotional Codes." A list of links will come up that can take you to online promotional codes. These are the codes that you type in when you order online. There are some great deals, and for great stores like J. Crew, Victoria Secret and even Walmart.

I didn't have time to really study the lists of stores and codes, but I am glad to know it is there. I will definitely peruse them before I do my Christmas shopping in about a week or two.

Happy shopping and saving!

When Creditors are Evil

There have been too many stories lately about creditors breaking the law and getting away with it.

I do want to emphasize that I think people who have debt need to pay it back. Period. But not at the hands of creditors who will stop at nothing to get their money back.

First I read an article on the Web (sorry I cannot find the link) about how many people who have filed bankruptcy are now being hounded again about the very debts that were supposed to discharged under bankruptcy. Unbelievable!

The article went on to say that the creditors are slow at reporting the discharge on purpose, so other companies that have bought the debt go back in, and sometimes people pay the debt years later when they don't have to. The article went on to give some devastating examples of this.

Then I read another article about how creditors are now freezing bank accounts with social security money in it, when that is prohibited by the federal government!

http://finance.yahoo.com/expert/article/moneyhappy/53832

We are talking about elderly people who then have no money for food, rent, medicine, etc. The problem is exacerbated by people who have direct deposit of their checks. While direct deposit has been a help to many, in some cases such as this, it can be a nightmare. It can take a long time to switch back to getting a regular check in the mail, and by that time, bank fees and overdraft charges have probably eaten everything up.

We need to do something about the creditors who overstep the law and get away with it. Maybe the law needs to be updated to exact steep punitive damages on companies who break the law in this way. Our elderly people deserve better.