What to Do When the Debt Collector Sues

If you're behind paying your bills – and who is not, these days? – it's tempting to let the mail pile up. After all, who wants to face yet another reminder that their financial house is not in order? Ignoring the bills and debt collection calls can have a significant drawback, however, if a debt collection agency decides to take you to court.

Increasingly, debt collectors are using the court system not as their last line of defense, but as their first line of indemnity. There have been numerous reports in the mainstream media about debt collection attorneys filing hundreds of cases a week using automated software. Nonprofit organizations in New York City recently issued a report detailing the ways in which debt collectors routinely target lower income residents with lawsuits.

According to the law, you must be informed if you're being sued. Often, however, debt collection agencies do an end run around the law and do not notify the consumer (that's what the New York City study revealed). Other times, consumers let the mail pile up, not knowing that it contains legal documents that require their attention. Still other times, consumers know that they're being sued, but do not know how to go about defending themselves, and so either show up for court unprepared or do not show up at all. A recent survey of sentences conducted by the American Bar Association found that consumers who represent themselves in court do so to their own detriment, in that the have less favorable outputs than consumers who are represented by attorneys. For consumers who do not attend the legal proceedings, the judge has no real choice but to rule in favor of the debt collector.

Once you have a legal judgment against you, life can become even more difficult than it already is. If you do not have a job or any assets, you may think that a legal judgment can not do any real harm. After all, they can not squeeze blood out of a proverbial turnip, can they? That may be true, but chances are good that, ever, your financial situation will change. When it does, a debt collection agency will swoop in to collect on the judgment. In fact, there's been buzz in the debt collection industry about how it's time to get out those old judgments. Their thinking is that the economy is slowly improving, people are starting to go back to work, and the judgments will soon be enforceable. What does that mean? If you have a lawsuit against you and you get a new job, the debt collection agency could garnish your wages. It will feel like one step forward and two steps backwards.

The bottom line? If you're in a position where you might be sued by a debt collection agency, you need to keep an eye on any potential legal proceedings. If you're sued by a debt collector, you should mount a rigorous defense with the help of an attorney. Often, a fair debt attorney can help you to avoid a judgment, and sometimes even get the debt dismissed.

Top Workplace Harassment Questions

Harassment at work is a form of employee discrimination. It has many forms with varying degrees of seriousness and legal implication. While it is a violation of the 1964 Civil Rights act, it can often be difficult to prove in a court of law. This can lead to unanswered questions. Below are five of the most common workplace harassment questions.

Q. What are some types of workplace harassment?

Harassment at work includes sexual, racial, religious, and age-related harassment. The fear of losing a job keeps many employees from reporting harassment. Many employers have what is called an "at will" employment. If you are an "at will" employee, technically you can be terminated for no reason at all. Since this is usually your word vs. their word, it becomes difficult to prove. However, if you can prove the harassment – possibly with witnesses or pictures – this could be an important factor in your case.

Q. What is the difference between workplace harassment vs. a hostile working environment?

Harassment at work is any type of unwelcome action taken by either one employee towards another, or by members of management to subordinates. Management includes supervisors, the boss / owner or any person in a position of authority. Any unwelcome action towards an employee that violates the employee from performing job duties or makes the employee feel violated or uneasy can be considered workplace harassment.

A hostile work environment is when an employee experiences acts that provoke fear of going to work. Often, these acts are offensive intimidation initiated by the harasser. Yelling, being rude, and creating an environment full of severe stress results in a hostile work environment. Typically, hostile work situations are created by a boss or manager to provoke an employee or employees to quit their job.

Q. Are verbal threats considered harassment?

Verbal threats are considered a form of workplace harassment in West Virginia and many other states. However, until the harasser actually acts on the threats, you would only have a civil recourse and it does not become a criminal indemnity.

Q. Is slander the same as harassment?

Depending on the situation, slander is often considered a form of workplace harassment, especially if it was sexually oriented. Heinous lies, verbal attacks and rumors can discredit a person and cause not only stress in the workplace, but in his or her personal life as well. The law for slander differs from state to state. However, if you can prove the accusations, you may also have a case.

Q. I have been accused of sexual harassment at work; can my employer reprimand me without an investigation?

Employers are bound by most states to show that some sort of investigation was made in the event that an employee was accused of sexual or any type of workplace harassment. Employers can reprimand an employee through a verbal and written warning to be placed in the employee's permanent record. Sexual harassment in the workplace is a serious situation and can have a lasting impact on your career.

Mental Health Supplements

Most people, who suffer from depression, also suffer from anxiety disorder. In fact, anxiety and depression are the most common types of mental health issues. The cause of these disorders is due to chemical imbalances in the brain. There are prescription drugs that a doctor can prescribe to help lessen the effects of depression and anxiety. These treatments can provide relief, but there are also alternatives. Many individuals have had success with using mental health supplements. Some individuals rely on 100% mental health supplements for treatment, while others use health supplements in addition to prescribed medicines. Before choosing to take mental health supplements for depression or anxiety, be sure you first speak with your physician.

Omega-3 fatty acids are an excellent way to help with symptoms of depression. There are many ways to increase omega-3 take. The most common way as with fish oil supplements or you can take flax seed oil supplements. The reason why this is an effective therapy for depression is due to the eicosapentaenoic acid, which is found in fish. For people who are depressed, they tend to have lower levels of eicosapentaenoic acid.

Often found in research on mental health supplements, is the suggestion of increasing amino acids. When people suffer from anxiety or depression, lower levels of amino acids are usually found. Some doctors specialize in amino acid therapy. Therapy may or may not be needed, but you can find many amino acid supplements available on the market. When taking amino acid supplements, patients tend to notice an increase and improvement in mood.

Studies show that patients who suffer from depression also have vitamin B deficiencies. Vitamin B is important because it helps with mood regulation and brain function. Taking a daily dose of vitamin B can help lower the symptoms of depression.

When researching for mental health supplements you may come across one named SAMe – otherwise known as S-adenosyl-L-methionine. You can find SAMe easily as it is available for the dietary supplement. This chemical, S-adenosyl-L-methionine, is made by the liver and helps produce neurotransmitters. When taken as a supplement, it improves the conditions of depression.

For an herbal extract, the most widely used is St. John's. John's wort. St. John's wort is best to use in cases of mild to moderate depression. For anxiety herbal supplements, there is passion flower, kava kava and magnolia bark. An Herbal treatment that is good for both anxiety and depression Ginkgo biloba.

Once again, it is important that you first consult your physician before you try to use mental health supplements . This is especially true if you are already taking prescription medines or over-the-counter medications. The reason for this is that some of these supplements can have an adverse reaction to certain medicines.

How to Choose Holiday Apartments For a Skiing Holiday

The growth of skiing holidays has led to a rise in the number of vacation apartments that can be selected on the internet. There are some great holiday properties in most of the ski resorts around the world.

Many families now stay in chalets when going on skiing holidays. In the past accommodation was very expensive on skiing holidays and many people were not able to afford it. In recent years there has been a tremendous growth in the number of self catering properties in skiing resorts. They have now opened up skiing to a whole new market place that could not afford skiing before.

Staying in a chalet on a skiing holiday can be great fun. You can ski during the day and at night sample the local night life. The property can act as a base to explore the local area and you can choose to eat what you like when you like. Most resorts now open during the summer months and the accommodation can make for a very cheap holiday. There is still plenty to do with stunning scenery, long mountain walks and breathtaking views.

By using the internet you are able to find some great vacation properties around the world. It is possible to find apartments with direct holiday bookings. By selecting your vacation property on line, you are able to compare it with the other holiday apartments available to stay in. This will enable you to get the best possible value.

By looking for accommodation on line will also allow you to see exactly what you are going to be staying in. You will be able to view pictures of your holiday apartment and also see what facilities you will be provided with during your stay. It is also a convenient way of checking out the area that you will be staying in and you will have some idea about what shops and restaurants are near to your rental home.

Holiday apartments are a great form of accommodation during your vacations. There is a tremendous choice of properties to choose from to stay in during your vacations. It does not matter if you want a cheap holiday or are prepared to stretch your budget as there are homes to suite all needs and price ranges.

When staying in a holiday chalet on a skiing holiday you can choose to eat out at the local restaurants or cook back in your holiday flat. The good thing about a self catering property is that it gives you the freedom to do what you want, when you want on a holiday.

Staying in a apartment is a great way to spend your vacations. There are some great properties by the sea, in the city centers and even by the ski slopes. There are one bedroom flats with sofa beds all the way through to large luxurious penthouse apartments. People of all ages with different needs and requirements now stay in apartments all over the world. It is no wonder that staying in a holiday apartment is now such a popular kind of holiday.