Design Your Wrestling Singlet

August 1, 2003 (Act Borloo) called Second Chance:

It would allow citizens sucked into the quicksand of debt , their return to life active and participatory .

This reform is an undeniable and laudable its purpose, but must be arranged, to avoid interpretations from the goals of the legislature where many victims have not yet been able to get out of hell, mainly because of the non-application of the term as it is now defined by law since Borloo 2003, following the amendment of Article L 331-6 - last paragraph of the Code of Consumption:

"The total duration plan, including when been a revision or renewal , not exceed ten years .
These measures may exceed this limit when relate to the repayment of loans contracted for the purchase of real property constituting the principal residence and the plan avoids the assignment by the debtor. "

The first three words of this section are sufficient to justify that it is well to take into account all the plans already made, otherwise the legislature would have simply stated "the term of a plan."

Zumkeller Michel, a member of Belfort, had questioned the National Assembly, January 8, 2008, the former High Commissioner for Active Solidarity against Poverty M. Martin Hirsch, about this famous period decade :
"This period of time it from the original date of the first plan, or that the review"? Mr. Hirsch
made the following clear and precise answer:

" The duration of plans, that it be conventional or based on the recommendations of Justice, the total duration shall not exceed ten years, including when it subject to revision or renewal .
This period therefore applies to the original date of the first plan ".

(See Judgement of 11.06.2009 - TGI Ales - George Krausz / Credit & Housing Neuilly-Ctx, Sofinco, etc.) reversing the decision of the Commission's indebtedness Gard

"We can not evade the previous plans adopted by the Commission which would result in totally unjustified aggravate the situation of the debtor , particularly since that article L 331-7 in its previous version, provided that the duration of the recommended measures could not exceed 8, not 10 years ".

So why, both commissions as judges, they stubbornly on victims (beneficiaries of the plan), by making decisions without taking into account these new provisions requiring litigants failed to continue their plan well beyond the statutory period, in flagrant disregard of the intentions of the legislature, and that, more than six years after the release orders?

To all the victims of this persecution, these injustices, express yourself. Join me on this blog.

Mario Salieri Film Blog

Deceptive appearances!

beneficiaries of a plan of indebtedness, regardless of their apparent net resources, can have in principle that the RMI, but are not listed in the official entitling them to aid in this category citizens.
Thus, the holder of a recovery plan agreed by our Justice for little that is taxable, will not have to survive more than 600 € / month, and often much less!



With this mite legal and official, he must eat, dress, and since it is taxable, will undergo additional punctures to bail out the deficit in the safety (medical deductibles, flat fee - delisting of a variety of drugs).

Lesser hazard of life is daunting, since all the buoys launched in the welfare recipients are denied:

No exemption or tax rebate or social will be granted to him.
access to social housing or housing assistance will be denied him.
It will not benefit most from welfare legal, tax or social, nor for any psychological or course of legal aid.
No way to get universal health coverage.
Even with charities can not be considered, given its apparent resources

Thus, our system daily practice, in the absence of specific provisions and appropriate with respect to these shipwrecked , a new form of discrimination, forgetting the victims, renouncing consider that there really is a social emergency to legislate to save these people.

Male Genitourinary Exam Procedures

"Thoughts of an excluded"

Sharing all the daily an outcast of society trying to survive the yoke of a plan of indebtedness:

He knew affluence. Then one day, it was the "accident of life", the tumble, the humiliations and the meeting of the precariousness that do not share. His only companion
everyday now its Solitude.
The hard knocks that occur then, and picking on his family.
He calls for help, but all doors are closed, and its applications are unsuccessful. He sinks
gradually in abject poverty, but society and its institutions do not know, in good conscience. A former
rich have no right to become poor !
Yet, he remembers: " Nobody will be left by the wayside! "
His life changed. Here it is unable to project into the future, however short it. He can not even make any plans, nor to assert its rights. A-there still?
Before the silence and incomprehension of society, and the absurdity of his situation he did not want, it will mature slowly and inexorably into silence :
It no longer exists in the eyes of others, nor even in his own eyes .
Still, he refuses to beg and do not fall into delinquency, respecting his duty when he has more rights.
He tries to survive as he can!

Reject consumerism is often the privilege of those who have the power to afford them the charms!
In his case, he aspires only to taste it, just the pleasures !

able to afford time to time a small restaurant, a few leisure (cinema, entertainment, outings, travel, books, disks, etc.), holidays, clothing, hairdresser lady, gifts for children and grandchildren, and for himself
Finally, all that is called LIFE simply!

And say that our poor banks have quickly been absolved of their sins. While most have a large responsibility in the global crisis, and their debt, they just as quickly saw their sins forgiven, and their debts written off - so that he, the outcast, the stuck, the unknown, we have simply forgot!

But, you it was time to wait for the Arlesienne, Credit Reform and Procedure of indebtedness?

Ten years ago he hears the siren song: Words, words ... !

In times of famine , says a Chinese proverb: "The big lose weight, but skinny dying !

Artificial Money Party

"Homework but more rights"




"These two shipwrecked on an inhospitable island where the waves were dying, we scrutinized the horizon, trying to see relief.
But every day, not open to us that the blue wall impenetrable steel the ocean and the sunset.
Although the company has sent its rescue, they had a mission to save only those who could not swim, considering that the others were only able to return to dry land! "

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Responsible but not guilty!

We had to wait the 7th trial, June 11, 2009: A judge overturned the decision of the Commission (which wanted to impose a new plan for another 10 years, taking no account of time already done), recognizing "that could not evade previous plans - the total time plans should not exceed 10 years, in the absence property in "We could see light at the end of the tunnel!

But the trial judge ruled incorrectly that the original plan was for a moratorium and therefore should not be withheld in 10 years.

But just reading the title of the document filed in court, if it had been read, enough to see that this was a conventional recovery plan, signed and accepted by all creditors (the credit professionals) in September 2000 - providing a monthly fee of 914 €, the sale of our home, and the sale of our severance pay.
The Error was so egregious that we seized them Judge for the 8th time. We asked him to please rectify the error that we qualifiâmes of material, under Article 462 of the new Code of Civil Procedure, which refers to appreciate " what the record shows or failing that, what reason command.
The judge acknowledged his error, but has called a interpretation and upheld its earlier decision to award costs against us: Manager, but not guilty!

Victims recognized by a Judge of what is euphemistically called an accident of life and its consequences, the debt liability, retirees in their seventies, we try to survive for ten years with the straitjacket of a conventional plan of reorganization, whose legal term was originally eight years only.
The Commission recognized at that time the fragility of our situation, since it stated:
"With household debt after the private sale of their home, these retirees have no chance of seeing their material situation evolve " cons by presaging the inevitable deterioration in any hazard of life.

The sale of our main house forced us to seek a lease, with all the difficulties related to our filing, which the rent was higher than our monthly mortgage resulted advance, following the forced sale of our residence
We managed to clear 50% of our debts but we felt completely stripped, vulnerable, without any precautionary savings to cope with the smallest unexpected. As
implying the Commission, our living condition is getting worse in a way recurrent.

Since we are engaged in the legal maze of this complex procedure, interminable and inhuman, we faced eight commissions of indebtedness, and eight judgments.

The multiple requests for review of our record since 2004 failed, and we could not qualify for any aid provided, granted to the poor, including welfare recipients and officially listed.

For us, the Unidentified, false welfare recipients, however, enjoying the legal mite survival under Justice, we had to simply survive on less than 600 € / month and sometimes, with 200 €!
We judged on appearances, our pensions, we give the right to tax and social security, and not on our factual residual for our sustenance - deprived of all aid, including legal aid. The assistantship

legal, social and family, and psychological care, provided by the reform of 1st August 2003 were still missing in this legal route, and when one is overburdened, and even acknowledged by the Justice, one can not not assume the burdens of a lengthy procedure.
Like all victims of indebtedness, untrained the mysteries of Justice, we have suffered rather than accepted the decisions, supported malfunctions, omissions, confusions, non-transmission parts and their consequences. And although we have advised the Minister of Justice on five occasions from 2006 to 2008, we had no right to any response.

Nevertheless we get a ruling stating we " we could not evade previous plans whose total duration should not exceed ten years " But we should serve eleven !

And our FILING would last 10 more years, we banishing lifetime access to credit . We could never consider changing our old car.

This accident cost us the lives of more opprobrium, 20 years of humiliation.

suggestions to our elected officials of every stripe :

As victims and witnesses of debt liabilities, we suggest, to contain this scourge, which the legislature does not negate the principle of setting up the file positive, identifying all loans taken by individuals: A simple

FICP consultation appears to be the only measure considered, for now, will not identify early commitment borrowers excessively, using credit to help offset the decline unpredictable resources, by accident of life, and can thus accumulate during several years credit on credit without any incident of payment.
should know, whether from pride or shame, or lack of courage, most indebted dare not declare their status and hide in their surroundings. And when they finally resign themselves to do so, it is too late.

But the law should also allow the current victims to get out of debt inextricable hell in which they are immersed. In a pandemic, not only the foresight - it also treats patients .

must reform applies to matters pending that we never talk . And if the duration of the plans must be shortened, as this applies to the existing board and all records misjudged where citizens are currently required to defaulting galleys well beyond the duration Legal.

As for the proposed reduction of the period of filing, we can only agree with this proposal: It would

Indeed inhumane or discriminatory to apply for a period exceeding ten years, including banning the victims of an accident in the life of responsible lending and inconsistent with what Mrs Christine Lagarde believing that our country needs the credit for stimulate consumption.
Do not you think, Madam Minister that you should pardon the victims who have already served their sentences, all too often over the ten years from now regarded as the maximum penalty?

In our case, we have taken for twenty years, and our system prevents us from Living Simply.

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"It remains to live" or Obole survival!

"How not to be considered poor, people who only have the rest left to live by the procedures of indebtedness, the amount is generally calculated by reference to the RMI?
These families which are not counted in the statistics, do not feel less feelings of deprivation and see the chances of their children undermined by their lack of resources. "
Such were the remarks made by Mr Martin HIRSCH, at the Economic and Social Council of 23-24 October 2007 on the indebtedness of individuals .
So why the beneficiaries of this legal Obole (recognized by Justice), but not identified by our system, do not they have provided aid, granted to welfare recipients are listed, from the moment their apparent virtual resources give them the right to bear the tax and social security, while their residual factual (says Mr. Hirsch) is in fact very often below the minimum legal? It is indeed a new form of widespread social discrimination became a habit, against the victims of an "accident of life ".

What Will My Period Be Like After A D And C

"bail" - "The New Plague"

Here is the link to contact my publisher:


http://www.inoctavo-editions.com/livre.php?id_livre=130

What Does The F Mean On A Walmart Reciept

art 1: It could happen to you!

By opening this blog, I wants to give my testimony to all victims of this new scourge of our society who are left trapped by the credit too, especially to all those who have confronted the accident of life.
A divorce, termination, illness, accident, fall unpredictable incomes, and suddenly, there they faced almost insurmountable problems, since they are alone.
But most of them, as was my own case, will not adopt the correct response, given the event, probably out of shame, pride, or simply through lack of courage, and shut themselves in their shells, hiding their distress to their relatives.
In the absence of prevention, our system promotes entry into the downward spiral.
The bill reforming the consumer credit, forcing financial institutions to consult the file of Delinquency, before granting a loan is obviously not satisfactory, because it will not identify early borrowers who may use the credit for many years without incident payments.
And when the first incident occurs, it is too late.
Only the establishment of positive file, listing all loans taken by individuals, will avoid the excessive accumulation of credits.

I wanted to tell my story, hoping it might be useful in terms of Welfare and to the victims affected by this pandemic.

My first book: "bail" to Octavo Editions tells In my first six years of solitary struggle.
Suite "New Plague", by the same publisher, forthcoming.