Being of Service? Showing People How to Fight Back! (Feature Friday!)

Being of Service? Showing People How to Fight Back! (Feature Friday!)#BestOf

Posted on August 30, 2014 by chaplaineliza

A Year of Being Kind blog – Friday, August 26, 2016

My husband and I recently received several annoying telephone calls from debt collectors. (Our last name is one of the most common in the country.) These calls reminded me of this post, about my husband and his superb research and tracking skills. Thank God he was so persistent. I want to let as many people know how to research and track these sleazy debt consolidation companies.

BK kindness is a lifestyle

A Year of Being Kind blog – Friday, August 29, 2014

Being of Service? Showing People How to Fight Back! (Feature Friday!)

I have heard horror stories of how less-than-honest companies bundle and buy out debts at only a fraction of their value. Then, they hold the debt or note for the money owed. So instead of cash-strapped people owing a credit card company money, or a bona fide medical center money, they now owe these sleazy debt consolidation companies the money. But wait, there’s more! Much more . . .

I’ve been involved with seniors for a number of years, especially recently. I mean, at their homes. These seniors, often frail and in poor health, receive all kinds of telephone solicitation calls. Many of these calls come from shady, fly-by-night companies. But the worst of them all? The worst come from these sleazy, slimy debt consolidation companies. The debt collectors call. Then, call again—and again. And if they get a trembling, anxious senior on the other end of the line, so much the better! These pond scum debt collectors bully the elderly, trying to force them to send money. And sometimes, the senior is bullied into paying off a debt they do not even owe.

Most people don’t realize how to stop this horrible harassment and misuse of the telephone, not to mention get revenge. But a debt collection company tangled with my husband Kevin one time too many. My husband—who did not even owe the debt mentioned—took action. Action against the company, and action to stop this daily harassment for a debt which was never his to begin with.

My husband is extremely methodical, and he takes excellent notes in his work life. So, he decided to do the same thing in this case. Every time the home telephone was called by this company, we noted the date, time, and whether it was a recorded call or a real, live person. Every single time there was contact with a real, live person, we recorded their name. My husband sent two “cease and desist letters” by registered mail (so a real, live person at the company was required to sign for the letter, and show proof they received it). He took extensive notes whenever he spoke with anyone, and kept all of the notes in a file. And—he employed a law firm that specialized in fighting with these slimy debt collection firms.

The lawyers at the law firm were pros! They knew exactly what they were doing. My husband worked with them, hand in glove, and actually won the case in small claims court!

So, that was several years ago. My husband Kevin and I had almost forgotten all about the case, when a journalist contacted my husband a number of days ago. Mr. Sullivan wanted to know whether he might be able to write an article about the debt collectors and how my husband beat them at their own game. My husband gladly agreed! Moreover, he sent Mr. Sullivan all of his notes. (The journalist complimented my husband on his extremely thorough note-taking, too.)

So—long story short, the story appeared in Yahoo Finance on Wednesday. And—my husband is a hero! He showed, through his excellent example, exactly how to defuse these pond scum debt collectors. And, he wants people to know their rights under the law, too. In a quote from Mr. Sullivan’s article: “I would gladly do it again, not for the money, but because these people are slime who abuse and exploit people who don’t know how to defend themselves,” he said. “While I was defending myself, I followed various forums on the subject, and I was appalled at how many elderly people are victimized. It’s sickening.”

Not only the elderly, but people of all ages might be victimized. Thank God there are people who know how to stop these abusive practices and horrid debt collectors. People like my husband Kevin. That’s a sure way to live by the tenets of Micah 6:8! Live justly, love mercy and walk humbly with God.

(To take a look at the Yahoo Finance article by Mr. Sullivan, check out this link: http://finance.yahoo.com/news/one-man-got-even-debt-103042195.html )

@chaplaineliza

(Suggestion: visit me at my blog: matterofprayer: A Year of Everyday Prayers– where I am doing a PEACE journey through Eastertide and beyond. #PursuePEACE. Pursuing Peace – Thanks!)

(also published at ayearofbeingkind.wordpress.com .   @chaplaineliza And read my sermons from Pastor, Preacher Pray-er – Thanks!)

Advertisements

Being of Service? Showing People How to Fight Back! (#BestOf)

(the Best of) A Year of Being Kind, Thursday, August 27, 2015

It was almost a year ago today that a journalist contacted my husband Kevin about debt consolidation companies. And, my husband had a story to tell! But, I’m getting ahead of myself. I’ll start at the beginning. You can read about it, below.

A Year of Being Kind blog – Friday, August 29, 2014

BK kindness is a lifestyle

Being of Service? Showing People How to Fight Back! (Feature Friday!)

I have heard horror stories of how less-than-honest companies bundle and buy out debts at only a fraction of their value. Then, they hold the debt or note for the money owed. So instead of cash-strapped people owing a credit card company money, or a bona fide medical center money, they now owe these sleazy debt consolidation companies the money. But wait, there’s more! Much more . . .

I’ve been involved with seniors for a number of years, especially recently. I mean, at their homes. These seniors, often frail and in poor health, receive all kinds of telephone solicitation calls. Many of these calls come from shady, fly-by-night companies. But the worst of them all? The worst come from these sleazy, slimy debt consolidation companies. The debt collectors call. Then, call again—and again. And if they get a trembling, anxious senior on the other end of the line, so much the better! These pond scum debt collectors bully the elderly, trying to force them to send money. And sometimes, the senior is bullied into paying off a debt they do not even owe.

Most people don’t realize how to stop this horrible harassment and misuse of the telephone, not to mention get revenge. But a debt collection company tangled with my husband Kevin one time too many. My husband—who did not even owe the debt mentioned—took action. Action against the company, and action to stop this daily harassment for a debt which was never his to begin with.

My husband is extremely methodical, and he takes excellent notes in his work life. So, he decided to do the same thing in this case. Every time the home telephone was called by this company, we noted the date, time, and whether it was a recorded call or a real, live person. Every single time there was contact with a real, live person, we recorded their name. My husband sent two “cease and desist letters” by registered mail (so a real, live person at the company was required to sign for the letter, and show proof they received it). He took extensive notes whenever he spoke with anyone, and kept all of the notes in a file. And—he employed a law firm that specialized in fighting with these slimy debt collection firms.

The lawyers at the law firm were pros! They knew exactly what they were doing. My husband worked with them, hand in glove, and actually won the case in small claims court!

So, that was several years ago. My husband Kevin and I had almost forgotten all about the case, when a journalist contacted my husband a number of days ago. Mr. Sullivan wanted to know whether he might be able to write an article about the debt collectors and how my husband beat them at their own game. My husband gladly agreed! Moreover, he sent Mr. Sullivan all of his notes. (The journalist complimented my husband on his extremely thorough note-taking, too!)

So—long story short, the story appeared in Yahoo Finance on Wednesday. And—my husband is a hero! He showed, through his excellent example, exactly how to defuse these pond scum debt collectors. And, he wants people to know their rights under the law, too. In a quote from Mr. Sullivan’s article: “I would gladly do it again, not for the money, but because these people are slime who abuse and exploit people who don’t know how to defend themselves,” he said. “While I was defending myself, I followed various forums on the subject, and I was appalled at how many elderly people are victimized. It’s sickening.”

Not only the elderly, but people of all ages might be victimized. Thank God there are people who know how to stop these abusive practices and horrid debt collectors. People like my husband Kevin. That’s a sure way to live by the tenets of Micah 6:8! Live justly, love mercy and walk humbly with God.

(To take a look at the Yahoo Finance article by Mr. Sullivan, check out this link: http://finance.yahoo.com/news/one-man-got-even-debt-103042195.html )

@chaplaineliza

Like what you read? Disagree? Share your thoughts with your loved ones and continue the conversation.

(Suggestion: visit me at my daily blog for 2015: matterofprayer: A Year of Everyday Prayers.   @chaplaineliza And read my sermons from Pastor, Preacher Pray-er – Thanks!)

 

Be of Service—Part Two! Stopping Hunger! (Feature Friday!)

A Year of Being Kind blog – Friday, August 22, 2014

God will ALWAYS provide

Be of Service—Part Two! Stopping Hunger! (Feature Friday!)

Last month, in the first week of July, I did a Feature Friday post on Stop Hunger Now! This ministry opportunity was the service project for the New Wilmington Mission Conference (NWMC), just a few weeks ago. NWMC informs attendees about its Presbyterian/Reformed tradition of mission outreach worldwide, but the conference also promotes active service and witness for God—and much fun is had while promoting it, too!

I’ve attended this conference for a number of years. My younger children remember NWMC with great fondness, and every year this conference has a selected service project. Everyone who attends—no matter what the age—is encouraged to participate in the project.

As I mentioned last month, each year the service project has concentrated on world hunger. More specifically, Stop Hunger Now! (That’s the name of the mission organization.) This organization has come up with an efficient, tasty way of packaging dry meals, to be shipped where most needed. Where hunger is currently devastating lives. A nutritious mix of rice, soy, dehydrated vegetables and flavoring mix can be packed by volunteer teams, and sent all over the world. And, for a cost of just $0.29 per meal, too! What a caring, effective way to feed the hungry. Through this ministry, the volunteers also strive to be the hands and feet of Christ.

We just received an update earlier this week about the meals packed at New Wilmington, in July. Stop Hunger Now sent word that 285,120 meals have been shipped to Haiti. Of these meals, 24,840 were packaged at NWMC 2014. This is 840 meals over the conference goal of 24,000 meals! The meals packaged by the folks at New Wilmington Mission Conference have been combined with those of other packaging events.

Haiti is in desperate need to receive these meals. Not only is Haiti the poorest nation in the Western hemisphere, but also is extremely low in terms of daily calories taken in, per person. Haiti and their citizens need the food assistance almost more than anywhere in the world. Stop Hunger Now has a partner in Haiti called The YouthBuild Haiti Rebuilding Academy (YHRA). This group is instrumental in rebuilding the country still reeling from the significant damage done by the earthquake, so many months ago. YHRA is also taking the lead in distributing the meals sent by Stop Hunger Now!

I’m reminded again of the words of Micah 6:8, to live justly, love mercy and walk humbly with God. I am urged to look for opportunities—not just today, not just in the month of August. But, every month of the year. Ways to be of service. Ways to love mercy. And, ways to walk humbly with the one who loved me so much. What a way to be the hands and feet of Christ.

@chaplaineliza

Like what you read? Disagree? Share your thoughts with your loved ones and continue the conversation.

Helping? Playing for a Hymn Sing!

A Year of Being Kind blog – Thursday, August 21, 2014

not in control

Helping? Playing for a Hymn Sing!

Nothing like a good, old-fashioned hymn sing! That’s where I was, this afternoon. I played for a group of seniors at a retirement center where I used to preach, once a month. (That was before I had this position as pastor at the church where I am, now.) I am so grateful that I am able to help out, doing what I could. Giving enjoyment, providing music.

It warmed my heart to see so many of the seniors. I remember them from when I used to come and preach, lead worship, and sometimes play the piano, too. I really enjoyed playing for them, too—both then and now. And, there are additional seniors at the facility, too. So many, so sweet. And several came up to me and thanked me afterwards. One even said, “This is my most favorite thing to do, having a hymn sing. Thank you so much for playing for us.” That warmed my heart, and brought tears to my eyes, too.

Of course, I enjoyed seeing my friend, Chaplain Sarah. She and I had a short while to talk afterwards, as well.

I know I’ve spoken about this recently, but I’ll say it again. I am trying to follow the suggestions made in Micah 6:8 this month, in August. “Live justly, love mercy, walk humbly with our God.” I think being of service to these dear seniors certainly qualifies. I try to be humble and teachable, when I come to this retirement facility. I know that residents can often teach me things I just do not expect. And if I didn’t have my eyes open? Receptive? I would miss these lessons. Usually soft-key, gentle lessons. But other times? The lessons can be more serious, more sobering, too.

Next week, I am going to another (larger) senior facility, to lead a midweek service. At this facility, too, I can learn so much from the dear seniors in residence. I try to be humble, try to listen, and try to minister with my heart and hands open. Yes, the words of Micah 6:8 are worthwhile for me to consider—not just today, not just in the month of August. But, every month of the year. I need to continue to actively look for ways to be of service. Ways to love mercy, and ways to walk humbly with the one who loved me so much, God gave me things to do. Business to take care of.

God, I wonder what You’ll have for me to do, tomorrow?

@chaplaineliza

Like what you read? Disagree? Share your thoughts with your loved ones and continue the conversation.

Sharing with a New Friend

A Year of Being Kind blog – Saturday, August 16, 2014

friendship you do stuff

Sharing with a New Friend

I made a new friend today! We live in different states, and had never met in our lives before today. But, I really feel we made a connection.

The two of us spent some time talking, and we weren’t satisfied with peripheral or superficial nonsense. We didn’t even begin with banalities, but instead immediately started to communicate on a deep level. Like we had known each other for some time. (Again, so satisfying!)

In my new position, I don’t have many opportunities to meet friends. I mean, good friends, who I can truly talk to. I appreciate people who are friendly and kind, of course! And so many people I’ve met in the past several months are that way. It’s truly a blessing. I mean that. But—I am a pastor. I serve as a minister. Right off the bat, that causes some separation. I need to maintain some professional, objective distance in my position, while at the same time being appropriately empathetic and understanding.

My many months in chaplain internship (Clinical Pastoral Education) have reinforced that, to be sure. Yes, I can come alongside people who are hurting, and try to be a comfort, support and encouragement. Chaplain internship has sharpened my skills at journeying with people as they are in trouble—either in terms of poor health, other kinds of crisis, emotional or spiritual upset.

It’s a good thing I have a number of friends from the years before I became a pastor. It can be lonely, even though I do have several long-term friends I can take the liberty of calling at pretty much any time. But these few long-term friends are not always available. (They lead busy lives, too!)

Of course, I try to be of service when I can. This fulfills me, nurtures me. It’s true that I am trying to follow the suggestions made in Micah 6:8 this month. “Live justly, love mercy, walk humbly with our God.” Just like when I took a senior acquaintance to the hospital for an outpatient procedure, earlier this week. Just like when I made reminder calls to several people for an upcoming activity. But I would sincerely like some kind of intimate connection—like that of having a good friend.

So, finding another friend is always a welcome thing. Yay! Thanks, God. You know what I wanted even before I formulated the thought. And, I just might be the answer to prayer for my new friend, too. Again, thanks!

@chaplaineliza

Like what you read? Disagree? Share your thoughts with your loved ones and continue the conversation.

Kindness to a Senior

A Year of Being Kind blog – Monday, August 11, 2014

micah 6-8 framed

Kindness to a Senior

I don’t often go into department stores. It’s not that I don’t like shopping. (I do!) But, I try to find what I need and can use at resale shops (first) and outlets (second). And, I am sincerely trying to reduce what our family purchases. We live in a small condominium, and it’s filled with stuff as it is. We do not need more stuff. (My husband heartily agrees.)

As I posted yesterday, my daughter and I went to a mall we do not ordinarily go to. We also went to a bona fide department store to purchase some things to take to college. As we came down the escalator from the second floor to the first, I saw a frail-looking senior sitting in a small, fold-up wheelchair. She was about twelve feet from the bottom of the escalator, near the corner of the jewelry counter.

I am still thinking about her, today. My conversation with her stuck in my mind, and I keep playing our brief interaction over and over. So, I thought I would blog about it today.

My daughter and I rode down the escalator, my daughter about two or three escalator steps ahead of me. I saw the senior from a distance, as I descended. She caught my eye. Sitting still, waiting patiently, while everyone else in my eyesight seemed to be busy—moving, doing, going, bustling around. I initially approached her because her thin knit shawl was all bunched up, lying in the crooks of her elbows. The position of the shawl looked uncomfortable. Plus, there was no one accompanying her. At least, not anywhere nearby.

I slowed my steps as I stepped off the escalator and turned her way. Yes, an aged senior, for sure. But one who was quick on the uptake. “Good afternoon, “ I said, stooping slightly. (That way, I could look at her face more directly, instead of towering over her.) “I saw your shawl. Are you comfortable with it where it is, right now? Or could I help you rearrange it?”

“Oh, aren’t you sweet. No, my shawl is fine where it is.” We exchanged smiles. She panned the area, as best she could. Her head was pitched slightly forward, and even in the wheelchair, her shoulders were stooped. “Are you looking for someone?” I asked. She transferred her gaze to me, trying to look up, in my face. “I don’t see my family. They’ve gone, I suppose.” She sounded a bit wistful, but still patiently waiting. “Oh.” I smiled again. My daughter was fast disappearing, down the aisle of the store. I quickly sent a glance at her, and then looked back at the senior.

“Bye,” the elderly woman said. She raised her hand, and almost smiled at me. I gave her one of my bright, friendly smiles in return, and wished her well. I hurried, and caught up with my daughter, who rolled her eyes at me for stopping to talk with the elderly woman in the wheelchair.

As I continue to reflect on this brief meeting, I can’t help but think of Micah 6:8, my verse for the month of August. The questions that come to my mind are: how can I live justly? To whom do I show mercy? How may I walk lovingly with my God? God willing, my interaction with this dear senior provided an example of how to fulfill this verse. Please God, help me live in this just, merciful, loving way.

@chaplaineliza

Like what you read? Disagree? Share your thoughts with your loved ones and continue the conversation.