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Dayton, Ohio Bankruptcy Attorneys - Cope Law Offices

Dayton Bankruptcy Attorney Personalized Debt Relief Solutions If you are overwhelmed by debt, you may feel as though no one can help you. However, there is help available, and the sooner you take advantage of it, the sooner you will find debt relief solutions. Speaking with a knowledgeable bankruptcy attorney is an easy first step …

JohnO

September 17, 2013 by JohnO Leave a Comment

Credit Reporting Under the Fair Credit Reporting Act: Know Your Rights

Credit Reporting Consumer Protections

This is a guest post by Allan R. Bloomfield, a bankruptcy lawyer practicing in Queens. His offices are located at: 118-21 Queens Blvd., #617, Forest Hills, NY 11375.

One of the most important national consumer protection laws is the Fair Credit Reporting Act, which regulates how credit reporting companies report information.  Most people are aware of the big three companies in this field, Experian, Trans Union and Equifax.  However, there are others that keep information on people.  Innovis is a fourth credit reporting agency that specializes in determining which people are late with payments and therefore bad risks for credit offers.  They also supply junk mailers with new addresses of people who have moved.  ChexSystems gathers information from banks and credit unions on how people handle bank accounts.  If someone leaves a few over-drafted accounts behind, they might find it hard or impossible to open a new bank account.  There are also several companies that gather information from landlords as to tenants’ payment histories.  These companies are usually local or state-wide, but can be national.

Credit Information Must be Accurate

Any company that gathers consumer credit information has to do so in an accurate manner, make available reports of the information they have to individuals and provide for a process by which inaccurate credit information can be corrected.  You can get free reports from each company once per year, including from the smaller companies.  If you find an error, you have the right to have it corrected.  The best way to make such corrections is to write a letter addressed to both the bank or company that reported the information and to the credit reporting agency.

When the Credit Reporting Agency Receives Your Letter

When the credit reporting agency receives your letter (and it should be a letter, not a telephone call) they have a certain period of time within which to investigate the information.  If they do not complete the investigation in time, they must remove the information from your file until they are able to verify it or correct it.  (This, by the way, is the method by which credit repair companies are able to “improve” your credit.  None of the credit agencies are able to verify the information within the allotted time and they then remove it from your file.  However, they all eventually verify the information and it comes right back onto the credit report, with a notation that the consumer filed a protest.  It looks terrible to have a credit report where each and every one of your accounts shows that it was objected to.)

Correcting Mistakes on Your Credit

Credit repair companies will also help you correct real mistakes, but this is something most people can do by themselves with a simple letter.  Things to look for when you review your credit report include whether accounts that are not yours are included on your report.  This often happens from mistakes made by the banks reporting to the credit agencies.  If one digit of your social security number is entered incorrectly, that account will end up in the wrong credit file.  If you have a common name, or are a Junior or a Senior, you may have accounts in your file that are not yours.  And, you may be the victim of identity theft.  There are various claims about the amount of bad information in credit files, but by getting your reports on a regular basis, you can stay safer.

Annualcreditreport.com

The best way to get your reports from the three major agencies is to go to annualcreditreport.com, a web site maintained by the three agencies.  The reports you will get here are better than the kind of report you might get at one of the free sites that combine the three reports on one report.  When this combining is done, a lot of detail is left off and you will have used up your annual free report from the agency.

Paying For Your Credit Score

Unfortunately, while you can get free copies of your credit reports, if you want to know your credit score, you will have to pay.  Each of the three big agencies maintains their own credit score for you based on a system that they do not reveal, with the score being based on the information in the file they maintain on you.  Most credit decisions are based simply on this score.  When you apply for a credit card or a car loan, it is usually the score alone that determines whether you are approved.  While the methods that are used to arrive at the score are a secret, there are many web sites and books that have figured out much of the process that goes into determining the score and you can learn how to improve your score by consulting them.

The Bottom Line

Having good credit is important in today’s world and the way your credit is reported to those with whom you wish to do business is regulated by federal law.  It is important to know how to make sure your credit file is accurate.

Filed Under: Credit Reporting

June 27, 2013 by JohnO Leave a Comment

Victory Project: Breaking Down the Walls of Captivity

Victory Project Logo

For a young man, a prison sentence may last much longer than the required six months or year term of incarceration. Recidivism is always a risk and is particularly high among individuals who enter the criminal justice system as juveniles. Upon release, many young men have no job skills and no prospects for an entry-level position. Ohio is no exception, with an unemployment rate of 25% for teenagers in general and 41% for black teenagers. Frustrated by the failure of the existing system to care for the youth, decorated law enforcement officer Monnie Bush founded Victory Project.

Victory Project is a faith based, not-for-profit organization that mentors court-involved and disadvantaged young men in Montgomery County. VP offers a fully accredited online high school with tutoring and GED preparatory classes. The facility serves up to twenty young men at a time, and they have dinner together five days a week. Monnie’s goal was to give these young men a chance, and the numbers suggest that he’s doing just that. For young men at Victory Project for six months or longer, the unemployment rate is just 8% and the program shows a 90% reduction in recidivism. The high school graduation rate for the program is over 95%.

When asked what makes his program so successful, Monnie points out that participation is completely voluntary. He offers disadvantaged youth a safe place to hang out and a group of like-minded peers, not to mention the opportunity for employment. He also notes that VP is entirely funded by private donations. Most of the young men in the program have been through the juvenile justice system, which means they have been involved in one or more state- or locally- run programs before. The problem with these programs, says Monnie, is that the kids know the programs receive a per diem allowance for each of them. They feel that people are helping them in order to get paid, not because they’re worth helping. At VP, the message is clear: Monnie and the donors that support VP want to help because you deserve a chance.

In addition to all of the above, VP makes our list because of their micro-business projects. The VP fellows don’t just provide labor – they write project proposals and manage projects and client relations. VP provides these young men with the opportunity to take part in genuine entrepreneurial enterprises; they learn how the businesses work and they reap the rewards of a job a well done. VP currently has micro-businesses involved in landscaping, demolition and recycling (they remove drywall, carpeting, and fixtures and donate any useable material to Habitat for Humanity), and auxiliary services such as moving, painting, and garage cleanup.

 To learn more, volunteer, donate, or inquire about services, visit the Victory Project website at http://www.victoryproject.org/.

Filed Under: Dayton Community

June 27, 2013 by JohnO Leave a Comment

The Dayton Regional STEM School: Science, Technology, Engineering, and Math Are All Around Us

STEM logo

Parents and teachers have long sought to make school interesting and engaging, rather than a chore. Science and math are particularly troublesome for many students; one survey suggests that math is the least favorite subject of almost half of students.

One Dayton school is trying new types of curriculum design, academic standards, and teaching practices and having considerable success in making math and science fun and interesting. This is good news for both students and parents; science and engineering jobs are currently growing 70% faster than other occupations. In today’s economic climate, a math and science background is a serious advantage.

 The Dayton Regional STEM, or Science, Technology, Engineering, and Math, School just celebrated the graduation of the Class of 2013, the first from the school. STEM provides an immersive, problem-based curriculum to foster scientific and engineering expertise, creative and critical thinking, and teamwork. STEM lessons include Energy, Power, and Propulsion; Advanced Manufacturing and Materials; Medicine/Human Performance; Air Systems; Agricultural Engineering; and Environmental Engineering. As you can see, this isn’t your average curriculum. “Math” and “science” are no longer subjects in isolation, but tools for understanding the world.

A specially-crafted curriculum is not the only thing that sets the Dayton Regional STEM School apart. One unique STEM program is Air Camp, a weeklong aviation and aeronautics summer camp adventure at Wright University. Students take flight training, learn about the mechanics of aviation, meet Air Force research scientists, and more. STEM also participates in TechFest, a convention with hands-on experiences and exhibits with guest speakers ranging from astronauts to renowned classical guitar players. STEM is making science and math interesting and fun for kids and building the next generation of scientific genius.

For more information, check out the website at http://www.daytonstemschool.org/.

Filed Under: Dayton Community

June 24, 2013 by JohnO Leave a Comment

The Foodbank : Leading the Charge to Relieve Hunger for our Miami Valley Neighbors

 

Foodbank logo

 

We covered dessert first (what would our mothers say?) but we don’t want to forget that some people struggle to eat at all. The Foodbank is, as the name suggests, a food bank. It also supports more than 100 other hunger relief programs. Every year, Foodbank provides millions of pounds of food to pantries, soup kitchens, and other distribution channels in Montgomery, Greene, and Preble counties. That translates to feeding about 70,000 hungry people annually; almost half of them are children.

The Foodbank and the pantries and soup kitchens to which it distributes food depend heavily on volunteer service and are funded by generous individuals and corporations as well as by Montgomery County.

According to Feeding America, of which The Foodbank is a member, 1 in 6 Americans faces hunger. The Foodbank is the only organization of its kind in the area, fighting back hunger in the Miami Valley.

An appalling 16.7 million children faced food insecurity in the United States in 2011.[i] The Foodbank Among others, The Foodbank runs the Kids Café program in the Miami Valley, which provides meals and snacks to children through other community locations such as Boys and Girls Club of Dayton, the Dakota Center, and the YMCA of Dayton.

The Foodbank also works to make sure children don’t go hungry over the weekend through the national Good-to-Go Backpack Program. Children in need receive a backpack full of nutritious, kid-friendly food to eat over the weekend. In order to prevent embarrassment, no one but the child knows what is in the backpack. In 2011, more than 44,000 backpacks were distributed.

The Foodbank’s website includes a calculator that shows how far your donation goes in the community. For $10, The Foodbank can produce 80 meals or buy $170 of groceries, more than 100 pounds of food.[ii] A donation of $500 means 4,000 meals or 5,000 pounds of food.[iii] That’s 4,000 children who can go to bed with full stomachs.

To learn more, volunteer, or donate, visit http://thefoodbankdayton.org/.

 

Filed Under: Dayton Community

June 18, 2013 by JohnO 1 Comment

Cake, Hope, and Love: Changing the World One Cupcake at a Time

 

Cake Hope and Love logo

Cake, Hope and Love is the first business featured as part of our 5 Dayton Organizations Doing it the Right Way Series.

“And now these three remain: cake, hope and love. But the greatest of these is cake.” Or at least that’s the general idea, according to Cake, Hope, and Love owners Shannon Teague and Connie McFarren. For these local ladies, philanthropy is a piece of cake; each month they donate 20% of the revenue from one of their fabulous cupcakes to a different charity. Past recipients include Autism Speaks, The Hope Foundation of Greater Dayton, The Hospice of Dayton, and Dominion Academy of Dayton.

Cake, Hope, and Love started with a birthday cake for Shannon’s youngest son in 2008. Friends and family were impressed with her confections and orders started pouring in.  Eventually, Shannon’s house was turned into a regular cake factory. Connie joined forces with Shannon in 2011, the Cake Ladies opened up the official Cake, Hope, and Love shop.

The cupcakes are varied and beloved by all who try them (as evidenced by their 4.5 star Yelp score). Flavors range from Pineapple Mango and Banana Bourbon to Snickerdoodle, S’mores, and, of course, the Buckeye cupcake. The menu changes daily, in case that selection isn’t enough for you. You can see which flavors they’re offering today on their blog; you can also sign up to be notified when your favorite cupcake is in the store.

In addition to a daily menu, Cake, Hope, and Love’s website has a Wall of Hope where they display the charities to whom they’ve donated and where other charities and non-profits can apply for donations. They also provide free products, hold auctions, and have monthly campaigns for local charities.

Connie has three sons and Shannon has two, so Cake, Hope, and Love focuses on local chapters of family charities, working to make the lives of children in Dayton a little sweeter. They’re making the lives of everyone else in Dayton a little sweeter, too, with their scrumptious creations. They live for family, philanthropy, and buttercream – and the world could use a little more of all of those.

You can check out Cake, Hope, and Love at their website: http://cakehopeandlove.com/.

Filed Under: Dayton Community

June 5, 2013 by JohnO 1 Comment

Rebuilding Together Dayton: A Safe, Warm, and Dry Home for Every Dayton Homeowner

RTD logo

Now that we’ve covered dessert and dinner, let’s take a look at an organization that makes sure low-income individuals have a safe place to live. The median age of homes in Dayton, Ohio is 51 years. In other words, half of the homes in Dayton were built in the 1960’s or earlier. Homes that old have lead paint, pipes and soldering and are frequently in need of repair. Rebuilding Together believes everyone deserves a safe, warm, and dry home. RTD is making that goal a reality.

Rebuilding Together is a non-profit, volunteer-driven organization that repairs homes for low-income and elderly homeowners at no cost. The Dayton chapter has rehabbed more than 1000 homes in Dayton. To qualify for assistance from RTD, the homeowner must earn less than 80% of the area median income. RTD also focuses on elderly and disabled homeowners who have lived in their homes for ten years or more; in 2013 the average homeowner receiving help from Rebuilding Together was 72 years old, made $15,000 per year, and had lived in the home for 38 years.

RTD also reaches out to the rest of the county through Neighbor Care, through which skilled tradespeople perform urgent repairs and modifications such as wheelchair ramps. Sixty-seven Dayton homeowners received help from Neighbor Care in 2012.

In addition, RTD runs several other programs. It provides housing repairs to veterans through the Heroes at Home program, works to reduce children’s exposure to lead through Lead Safe for Kids’ Sake, and provides home modification for seniors through Seniors Safe at Home.

Every dollar raised for Rebuilding Together Dayton translates to $4 worth of home improvement due to valuable in-kind labor and donated materials. Because funding from the City of Dayton and Montgomery County covers their administrative costs, every dollar donated goes only toward project expenses. RTD works with the state and local government to ensure efficient programs for low-income households and encourage safe and sustainable housing.

To learn more, volunteer, or donate, visit http://www.rtdayton.org/index.php.

Filed Under: Dayton Community

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Dayton Office

6826 Loop Rd
Dayton, OH 45459
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Dayton Office

6826 Loop Rd
Dayton, OH 45459
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Phone: 937-401-5000
Fax: 877-845-1231

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Dayton, OH 45402
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