Tucson Daily Citizen from Tucson, Arizona on February 9, 1976 · Page 3
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Tucson Daily Citizen from Tucson, Arizona · Page 3

Tucson, Arizona
Issue Date:
Monday, February 9, 1976
Page 3
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MONDAY, FEBRUARY 9, 1976 Sylvia Porter Pay-up ruses back in vogue Be on guard! A long disused practice of enticing von v,t" notes entitling your creditor to go to cofrt and you ' are possible lawsuit over latepaymem. The resu t To avoid a lawsuit now, you are asked to give up a right o d , f t i f made a g ainst unfa * meth- eere? kt nm S° T '" recent y ears is n TM seriously endan- Sv inn r 3 M C8USe m!)lions find themselves unable to pay mnatioiMwol en bills when they're out of work. It's also because more businesses than in many years are trying to collect every penny owed them so they can survive. The result is a collision course between debtor and creditor, with unfa r methods often being used by one or both. hn/lV^/HK 358 !. f y ° U think t h a t debt-collection practices Savfecn \!T ng t0 aV ° id P 8 *"* Ie 8 itimate bills Today s economic pinch has squeezed record numbers of mid- npr , , ° f these citizens are faci "g *eir own personal, private defaults. A Consumer Credit Counseling Ser. vice or other organization in your area may help you with ad; vice and by getting your creditors to agree to wait in line and not force you into bankruptcy. Among the worst aspects of the new debt-collection abuses is that many who actually don't owe the money may be forced to pay. This permits firms who sell defective merchandise to continue in business, unfairly competing with legitimate firms as well as injuring innocent consumers. Specifically: --Pressure on employers to compel employes to' pay bills, even if disputed, is continuing in many parts of the country -in the face of the fact that the practice is illegal in many areas. . --Use of the courts as a collection agency where consumers cannot afford lawyers to present their side of the cases has become much more commonplace, as legal-assistance programs have been cut back due to lack of funds. --The old "horror" tactics -- such as midnight telephone calls and use of moonlighting sheriffs in uniform -- are on the rise again. --A new intimidation practice directed primarily at lower : middle-income homeowners involves putting a "for sale" sign . in front of the debtor's house -- without getting a court judg- · ment or foreclosure to authorize actual sale. Minor steps are .being taken to deal with this problem, but they are far from Adequate. Of course, leaders in the movement against debt collection tactics are on the alert and are trying to fight back. A federal statute designed to curb abuses by collection agencies was pending in the consumer subcommittee of the House Banking Committee when the year ended, but this legislation would not .touch the practices of creditors themselves who do not use .'professional collection agencies -- a big gap. The Federal Trade Commission has moved to preserve consumer defenses by making final its new rule prohibiting the ·so-called "holder in due course" doctrine -- under which third parties can tell a consumer to pay them regaj-dless of any dispute between the consumer and the dealer. The Fair Credit Billing Act, effective this past Oct. 28, imposes similar safeguards on credit-card transactions. A consumer can now refuse to pay a credit-card charge for an item that was defective if the consumer made a good-faith effort to solve the problem with the dealer and if the transaction was in the same state or within 50 miles of the address given by the consumer to get the card. Bui what good are these defenses -- or any others -- if you can't afford to hire a lawyer, can't get one otherwise, or can't take the time to go to court? There is only one basic defense: Your own awareness of the pitfalls and knowledge of how to avoid them. Copyright 19ft Divorced group starting '. Jewish Family Service is starting a new group for recently divorced and separated men and women. It will be a small group discussion where i common concerns, feelings Happy ending in kidnap case · MOSCOW (UPI) -- A 5- year-old girl kidnaped more than three years ago was found nearly 1,000 miles away from her home living under a false name, a Soviet newspaper said. She recognized her parents immediately and ran to her mother crying "Mummy," the newspaper said. Police are still seeking the woman who abducted her. and ideas are shared. The program is open to everyone but membership is limited. Sessions will be held seven weeks starting Thursday from 7:30 to 9:30 p.m. The fee is $9.50. Betty Orman, group leader, may be reached at 792-3641. i Who's beefed up theTamales? -[STARTS WEDNESDAY is/r lllE PARK MALL PARK MALI SHOPPING CINTfO T U C S O N D A I L Y C I T I Z E N PAGE 3 NOW . . . NO PAYMENT 'til MAY* AM LEVITZ DIRECT-TO YOU WAREHOUSE _ /^f A · / m Y BUY NO\ SA VE... the Sam Levitz Warehouse Way TODAY . . . tomorrow 10 to 9 ADJUSTABLE SWIVEL STOOL by COSCO $ 19 WAREHOUSE SALE PRICE Padded vinyl back and seat in assorted colors. Adjustable height and footrest. JUNIOR SIZE BEAN BAG LOUNGER WAREHOUSE i^ SALE PRICE $ 9 Red or yellow vinyl. Fun seat for kids to sit on, play on, carry around. LIGHT OAK FINISH TABLES CHOKE $ Contemporary design. Cocktail table, square or hexagonal commode, each with hinged doors. 34 SPRING AIR comfort quilt SLEEP SET Innerspring mattress and foundation. Multi quilt cover Superb sleep comfort. TWIN SIZE SET QUEEN SIZE SET $ $98 158 s $ 128 KING SIZE SET 218 VINYL wallaway RECLINER by BERKLINE $· WAREHOUSE SALE PRICE 144 Fully reclines only 3 inches from wall. Tufted back and seating. Black leather-like vinyl. DAYSTROM 5-PC MODERN CHROME BASE DINETTE WAREHOUSE SALE PRICE $ 348 Round table and 4 brown vinyl covered barrel style swivel chairs, luxuriously upholstered. PATCHWORK PRINT NYLON SOFA WAREHOUSE SALE PRICE $ 297 Beautiful rust tone patchwork print, skirted transitional style. Pillow back, reversible cushions. MATCHING LOVESEAT $237 ALL WOOD PINE BOOKCASES Honey pine finish. Each 30" width. SHELF and DOOR LIBRARY $137 OPEN BOOKCASE DROP-LID DESK BOOKCASE $127 $167 fir**. :y/. CONTEMPORARY SOFA in MEDALLION PRINT OLEFIN FABRIC WAREHOUSE SALE PRICE $ 377 Elegant, luxuriously detailed sofa with deep-down comport. Marflex® cushions, coil spring base and back. MATCHING LOVESEAT $327 WHIRLPOOL TWO-SPEED WASHER WAREHOUSE PRICE $ 237 3 wash-rinse temperatures, 2 water level selections. 3 cycles. Harvest gold or white. LDA5500 25" diagonal SOLID STATE COLOR TV CONTEMPORARY CONSOLE WAREHOUSE PRICE $ 566 Rich walnut finish cabinet. Black matrix picture tube gives pure, cleor color. GU680 15" diagonal SOLID STATE COLOR TV $ 328 Attractively styled cabinet with black matrix picture tube for brilliant color. EU353 * FOR QUALIFIED CUSTOMERS -- FIRST MONTHLY PAYMENT NOT DUE UNTIL MAY, 1976 FINANCE CHARGE WILL ACCRUE DURING DEFERRED PAYMENT PERIOD * OPEN MON.-FRI. 10 A.M. to 9 P.M. SAT. 10 to 7 · SUN. 12 to 7 3430 EAST 36th STREET at PALO VERDE OVERPASS

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