The Oregon Housing Stabilization Initiative -- a program that can make up to a year's worth of mortgage payments for you, if you have suffered a drop in income -- is opening a new pilot to serve Lake and Klamath Counties now, and then rolling out statewide in early 2012. If you are having trouble paying your mortgage because of income losses or job losses, you might qualify for OHSI assistance, which comes in the form of payments that are then forgiven over five years. Thus, when all is said and done, you might have a year of payments made and wind up not having to pay them back. It's worth checking out to see if you qualify, and you can sign up to be on the email list for more information.
_ I have been working for months now on a project that has the potential to provide ample, sustainable, non-general-revenue funding for legal aid services so desperately needed by ordinary folks in Oregon these days, as Oregon and the feds keep cutting their support, and more and more people are ground up by the legal system simply because there is nowhere for them to turn. Imagine if the $13 BILLION that the big banks made reinvesting money lent to them at near-zero interest by the Feds had gone to support legal aid services.
(That's right, banks got huge piles of free money from the Feds at the Federal Reserve discount windows and then turned around and LENT that same money back to the federal government at interest, using the profits to pay bonuses that already exceed the pre-crash-year bonuses of 2007 and 2008. Whoever said there is no free lunch meant "for real people" -- because the banks sure as hell have enjoyed a lavish free endless banquet at our expense.)
Stay tuned here this year, I hope to have good news on this front in 2012. Meanwhile, a good essay by a top consumer lawyer.
Equal Justice under the Law
An Essay by O. Max Gardner III
_Thanks to our Champion in Congress, Rep. Hansen Clarke, Student Loan Borrowers finally have good reason to hope this holiday season: that real help is on the way!
Please take a moment of your time to watch Congressman Clarke's brief, yet inspiring remarks on the House Floor yesterday by clicking here:
Amidst all the chaos and dysfunction in Washington, D.C. these days, especially yesterday, at least one Member of Congress goes to work each morning and returns home each night with the plight of student loan borrowers at the forefront of his mind. And, thanks to the more than 650,000 people just like you who signed the petition supporting Rep. Clarke's efforts, your voices ARE being heard!
Keep the faith, and please know that your active participation in this movement is making a difference.
Please share this video far and wide and, together, let's make sure that all student loan borrowers begin to feel that sense of hope during this holiday season that real change is on the way!
Thank you, as always, for your continued support. From ForgiveStudentLoanDebt.com to all of you - Merry Christmas, Happy Hannukah, and a Happy, Healthy and Hopeful New Year!
Founder - ForgiveStudentLoanDebt.com
The scams known as "phishing" -- luring people into revealing information necessary to steal their identities or otherwise harm them online -- are many and varied.
But they all start with a common element: getting you to go someplace you shouldn't and to start typing in information that the phisher/scammer needs to spoof your identity.
This latest one is a new variation for me. It appears to be a warning of excess mailbox storage usage -- but it's actually just hoping that I will click on the link and start giving my digits.
Remember, no reputable service provider will need you to give that kind of information to them -- if they are actually your service provider, they already have it. Anyone asking you for account information who contacted you (instead of the other way around) is likely trying to harm you.
John Gear Law Office opened in September 2010. Thanks to the many clients I've been able to help since then, the doors are still open and I'm able to share some of my good fortune with others -- so thanks to you all. All of these organizations (scroll down) merit your consideration and your support if you are looking for places where your shared good fortune will do some good. And all those icons are hotlinked -- they'll take you right to the page where you can make a gift of support.
John Gear Law Office -
LAWYERLY FINE PRINT:
John Gear Law Office LLC and Salem Consumer Law. John Gear Law Office is in Suite 208B of the Security Building in downtown Salem at 161 High St. SE, across from the Elsinore Theater, a half-block south of Marion County Courthouse, just south of State Street. There is abundant, free 3-hour on-street parking throughout downtown Salem, and three multi-story parking ramps that offer free customer parking in downtown Salem too.
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