This is for those children who cant speak for themselves.

I find the laws of this country not lawful at all. The law uses no common sense, when it comes to people they provide no real protection for you or them. I will give you an example. I knew of the little black boy who was just maybe two years old. He had scars all up and down his body. When, I asked, his foster mother," what happened, she explained, "that his mother placed him in a pan of boiling water trying to make him white, by burning his color off". "I was appalled" This childs mother in the meantime was pregnant again with another baby and," the state allowed her to keep this newborn" even after,"she tried to boil her other child! To make a long story short, this woman did the same thing to her new baby, "put her in a pan of boiling water and scarred this little girl for life! I feel that the state should of not allowed this women to be around any infants or toddlers they should of taken this little baby away from the mother immediately. That is of course, "If the laws were really for protection! The laws," should be changed "and, this is a story that shows the law needs to be changed. The law allows others, to harm you, before action is taken, even when the other person has already committed the same crime against someone else ,or is a criminal ! "The law spares no children or adults", The law is false protection. The law is about money and provides no real solution," Only aggravation and headache!

Looking for credit repair? Do it yourself

When using a credit repair company, the credit repair is minor. Unless, you have paid the creditor and/or they are reporting wrong to the credit bureaus, its really not worth paying the credit repair company. Its better to hire an attorney who, specializes in credit repair because, he or she knows what to look for according to the credit reporting act, "The law. It seems like its hard to do but, you can dispute your credit yourself. Request your free yearly credit report by phone from all three bureaus at: 877.322,8228 because you need to dispute with all three bureaus, and match up, to make sure they all have correct info. Each report, will report something different. What you need to know: First, on your credit reports, Transunion, Experian, Equifax, they do not necessarily report the," date of delinquency" but they will usually report the date the creditor assumed the debt. You collections can only remain on your report for seven years from," the first date of delinquency", but if you made a payment after that date, your," date of delinqency "will start 30 days from your last payment. If a original creditor has sold the debt to a collection agency they need to report," Sold, and ,A zero balance. "Opting out", If you gave a creditor, mortgage company, insurance company, ect permission to check or , "inquire" about your credit, and you dont want them to keep inquiring about it, you need to write a letter to all three bureaus to,"Opt out" of those or any creditors, checking your report,otherwise they can keep checking your report until then. Remove old addresses, these can bring down your score. The creditors only need the last two or three addresses or last two or three years of addresses. So if you are showing more than that request to have them erased from your report. If you owe alot of money and are having trouble keeping ontop or paying them, the best thing to do is either consolidate most of your credit, (debt consolidation) you will not be able to use these cards again, until you pay your debt off, or file bankrupcty. You can keep a few credit lines open when filing a chapter 7 bankruptcy, to establish credit while the banktruptcy is going on and showing on your report, at least I have seen this with others whom I have done a mortgage for! You will, or should speak with an attorney, to get some information on your case, but you can file yourself. The laws and statutes are also online at myflorida.com for Florida residents, if you are in another state look online for you state goverment websites.

IF YOUR THINKING ABOUT SUING READ THIS!

In 1997, I bought a motorcycle that I ended up having a minor accident that caused some external damage, but the bike was brand new so I took it to this body shop owned by a guy who came recommeded by some co workers. To make a long story short, my insurance company went out to the body shop to approve this shop to fix my bike. It was approved. After a while of being in the shop, the owner then gave me a run around about my bike not yet being fixed, I gave him some time to get things together since, I lived up north and it was almost winter time. Well, the owner was in some trouble that I didnt know about, and disappeared with my bike. I went to the police department to file a report, the police officer said I am sorry we cant help you because you gave permission for this body shop to fix your bike so now it becomes a civil suit. I was boggled, this guy stole my bike, yes I gave permission to fix my bike, "not to steal it". I filed suit as soon as possible, and went to court but, it didnt matter, because the shop owner didn't show, and I got my judgement for $10,000 + interest. Only one problem we couldnt get any personal information on the shop owner, so we couldnt find him to get the monies. City Hall wouldn't give out any info on the shop owner, and said, they dont even need a social security number for application for a business name. To make a long story short I never recieved any monies for this judgement. So much for the law!!!