shadow-music.net

[edit]

Tuesday, April 11, 2006

Zach Scruggs, a lawyer for United States Senator Trent Lott, says that State Farm Insurance Company is destroying records related to claims for damage from Hurricane Katrina.

The records allegedly contain information saying that State Farm fraudulently denied insurance claims made by its policy holders, including Lott, that had homes there were damaged or destroyed when Hurricane Katrina came ashore on the Gulf Coast.

Scruggs said that Lott has “good faith belief” that many employees of the insurance company in Biloxi, Mississippi are destroying engineer’s reports that were inconclusive as to whether or not water or wind was the main cause of damage to the buildings affected by the hurricane.

Lott is among thousands of home and/or business owners who had their property damaged or destroyed during the hurricane and had their claims denied because State Farm claimed that their policies don’t cover damage caused by floods or water that was driven by the wind.

State Farm has not issued a statement on the matter so far.

Saturday, March 12, 2005

In a vote of 74-25 last Thursday, the US Senate passed a measure that would change bankruptcy laws, making it harder for individuals seeking relief from their debt burden to avoid repayment. Almost twenty Democrats joined Republicans, who currently hold a majority of the seats in the US Senate, in passing the bill.

Lobbyists for credit card companies and financial services firms have worked for the bill during the last two administrations. A similar measure passed both the Senate and House during the previous administration, but then President Bill Clinton pocket-vetoed the measure in 2000.

Democrats sought to soften the bill by allowing bankruptcy filers to negotiate directly with lenders for relief, but the amendments were defeated by the Republican-controlled Senate. Proponents of the bill claim the rise of bankruptcy filings to nearly 1.5 million a year shows that abusers of credit use the filings to shield themselves from irresponsible practices.

“There has been an explosion of bankruptcy,” said Iowa Republican Sen. Charles E. Grassley, the bill’s sponsor. “We preserve the principle of a fresh start, but we also establish a principle that if you have the ability to repay some of your debt, you are not going to get off scot-free.” However, Massachusetts Democratic Sen., Edward M. Kennedy said, “This legislation makes the bankruptcy courts of the United States the collection agency for the credit-card industry.”

The bill impacts a broad spectrum of bankruptcy law, but the most significant impact is on personal bankruptcy filings. Individuals who get behind in repaying credit card debt face high interest charges and stiff late payment fees. By only meeting minimum payment requirements, borrowers remit to the lender over the life of the loan an amount in interest and other fees that can far exceed the value of the principal balance of the loan. This can put consumers who run up high balances on various cards at financial risk of default. Critics of the bill blame these aggressive lending practices as a contributing factor in the rising trend of bankruptcy filings from 1996.

The proposed bill doesn’t only affect debtors with credit card debt.

It also affects debtors who have run up large medical bills.

Patients with a past medical history that disqualifies them from full medical coverage, can easily find themselves facing insurmountable medical bills after just a short stay in the hospital. These individuals will no longer be able to get a fresh start after these personal disasters, and will be forced to live in poverty until they can pay off their medical bills as part of their Chapter 13 filing. (Prior to this bill, they would have been able to file Chapter 7, completely discharging their debt.)

Chapter 7, which accounts for 70% of bankruptcy filings, allows individuals to eliminate most non-secured debts after liquidating assets, with the notable exemption of one’s principle residence in most states. The Senate passed bill would change Chapter 7 eligibility by applying a means-test, where those with a median income higher than the state average would be required to file under Chapter 13 provisions. Under Chapter 13 protection, an individual’s debt is not forgiven; rather it is restructured for payment under more lenient terms.

This was the first major overhaul of federal bankruptcy law in many years.

Under the old bankruptcy law, a personal bankruptcy attorney could not be held financially responsible for his clients mendacity. Under the new bankruptcy law, the bankruptcy attorney is responsible for his client’s lies to the Court about his assets and the bankruptcy attorney and his insurance carrier can be held responsible by the Bankruptcy Court.

The result is that personal bankruptcy attorneys (this does not apply to corporate bankruptcy attorneys) are likely to flee the personal bankruptcy field when the new law takes effect. Their insurance companies will not offer the sort of coverage that they would need to continue to practice.

So when consumers need to file personal bankruptcy under the new law, they will be unlikely to find a bankruptcy attorney to represent them. Consumers will have to file pro se: such consumers will be likely to fail due to the complexity of the law.

The bottom line is that the field of personal bankruptcy law as a practice area of law will cease to exist when the new bankruptcy law takes effect, and consumers will be unable to secure legal counsel and so consumers will lose what legal protections counsel now affords them.

Under the new bankruptcy law about one half million Americans will be forest to pay for at lest 5 years on longer they will be held in servitude as chattel they will be completely subservient to a dominating influence of the company that holds the loan. Their loan will be put on the market for sale for profit. The people will be forced to work harder. People who fail to go to court will have a arrest warrant made out in their name and people who refuseto pay. They will be subject to fines and or jail. About fifty thousand Americans will punished by a fine and or about three thousand Americans every year will go to jail under the new bankruptcy law. For some people this will be a third strike they will be put in jail for life.

The bill has the support of President Bush, and its passage in the House sometime next month seems likely. If enacted into law, lending companies will recover more money on what otherwise would be written off as bad loans. Those persons of median and higher income seeking relief would be required to file under Chapter 13 status and pay up to $100 per month under court imposed conditions. It is expected the proposed changes would cause a sharp increase in filings before the new law could take effect.

Monday, February 7, 2005

The International Maritime Bureau, an agency of the International Chamber of Commerce, has stated that 30 sailors were murdered by pirates during 2004. The Bureau’s 2004 Annual Report on Piracy and Armed Robbery against Ships shows that the number killed has increased from the 21 who died in 2003, according to data collected by the IMB Piracy Reporting Centre in Kuala Lumpur, Malaysia.

However, the total number of attacks has decreased–325 recorded attacks, down from 445 in 2003.

Indonesian waters are the most violent, with 93 incidents; one-quarter of the global total of attacks. Tugs and barges are common targets, with crew members often being kidnapped.

Nigeria has the most dangerous waters of any African country. In 2004, there were 28 attacks (down from 39), the third highest number of incidents in the world.

Sunday, May 15, 2011

The solar-powered airplane Solar Impulse touched down at the Brussels National Airport late Friday night, after completing a 13-hour flight from its home base in Payerne, Switzerland. It was the first international flight by a fully solar-powered aircraft.

The experimental aircraft was piloted by André Borschberg, co-founder and chief engineer for the Solar Impulse project, which hopes to circumnavigate the globe using only the sun’s energy in 2013. “Our goal is to create a revolution in the minds of people…to promote solar energies — not necessarily a revolution in aviation,” Bertrand Piccard, the group’s other co-founder, said in an interview after the flight.

The aircraft collects energy from the sun using 12,000 extremely thin solar cells affixed to the wings and tail section. An on-board battery can store enough electricity to fly all night, allowing the Solar Impulse to stay aloft indefinitely. This allowed the aircraft to maintain a holding pattern over the Brussels airport as other flights landed and conditions were right for the Solar Impulse to land. Because the aircraft weighs only about 3,500 pounds and has a wingspan of 200 feet, it is extremely sensitive to wind and needs calm conditions to land safely.

Friday, October 18, 2019

Early yesterday morning, United States Representative Elijah Cummings died while in hospice care. Cummings, the Democratic chairman of the House Oversight and Reform Committee, was 68.

Elijah Eugene Cummings, first elected to Congress in 1996, was born in Baltimore, Maryland, in 1951. His parents, Robert Cummings Sr. and Ruth Elma Cummings, were sharecroppers. In grade school, Cummings expressed intent to become a lawyer. After receiving a bachelor’s degree in political science from Howard University, he attended law school at the University of Maryland. Cummings passed the state bar exam in 1976, and went on to start his own law practice.

In 1982 Cummings successfully ran to be a state delegate, joining the Maryland General Assembly in 1983. He remained there for fourteen years, eventually serving as the speaker pro tem of the chamber. Cummings was the first African American to hold that office.

When Representative Kweisi Mfume of Maryland’s seventh Congressional District announced his resignation in 1995, Cummings joined the race to replace him, winning the election. He went on to serve in the House of Representatives for twenty three years. He was among the Representatives who voted against the Iraq War in 2002, and in 2003 and 2004 served as the chair of the Congressional Black Caucus. He was also a member of the United States House Select Committee on Benghazi.

Following Democratic victories in the 2018 midterm elections, Cummings became the chair of the House Oversight and Reform Committee. In that role, Cummings oversaw the committee’s impeachment inquiry into President Trump, alongside the House Foreign Affairs and Intelligence committees.

The Baltimore Sun reported Cummings had been sick and was missing from Capitol Hill; his last roll call vote was on September 11. At 2:45 a.m. local time (0645 UTC), his office said, he died at Gilchrist Hospice Care. In a statement, Maya Rockeymoore Cummings, his wife and the current chairwoman of the Maryland Democratic Party, said Cummings “worked until his last breath”.

In response to Cummings’s death, Nancy Pelosi, the Speaker of the House of Representatives, ordered the Capitol’s flags be lowered to half staff. Flags at the White House were reportedly similarly lowered.

Politicians from across the political spectrum publicly mourned Cummings’s death. Democrat Chuck Schumer, the Senate minority leader, told MSNBC Cummings “was a great man,” while Republican President Trump noted his “strength, passion and wisdom” on Twitter.

Representative Carolyn Maloney, the most senior Democrat on the Oversight and Reform Committee, has stepped into Cummings’s role as the committee’s acting chair. As of yesterday evening, the process to select the next permanent chair had not yet been announced, according to the Baltimore Sun.

Under Maryland state law, Republican Larry Hogan, the current governor, has until October 28 to release plans for a special election to fill Cummings’s congressional seat.

Friday, October 10, 2008

In an attempt to speak with as many candidates as possible during the 2008 Canadian federal election, Wikinews has talked via email with Vicki Gunn. Gunn is a candidate in Ontario’s York—Simcoe riding, running under the Christian Heritage Party of Canada (CHP) banner. The CHP is a minor, registered political party running a significant number of candidates across the country, looking to earn its first ever seat in the House of Commons.

The riding has existed from 1968 to 1979, from 1988 to 1997, and from 2004 to present. As of the next provincial election in Ontario, it will be recognised as a provincial electoral district as well. Over the years, the riding has been represented by the Liberal Party, Progressive Conservative Party, again by the Progressive Conservatives, again by the Liberals, and since its recreation, the seat has been held by the Conservative Party of Canada.

Peter Van Loan, the Conservative incumbent, is the Minister Responsible for Democratic Reform and Leader of the Government in the House of Commons. The other candidates in the riding, besides Van Loan and the CHP’s Gunn, are New Democrat Sylvia Gerl, Liberal Judith Moses, and the Green Party‘s John Dewar.

The following is an interview with Gunn, conducted via email. The interview is published unedited, as sent to Wikinews.