Sunday Gazette-Mail from Charleston, West Virginia on August 10, 1975 · Page 33
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August 10, 1975

Sunday Gazette-Mail from Charleston, West Virginia · Page 33

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Charleston, West Virginia
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Sunday, August 10, 1975
Page:
Page 33
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Page 33 article text (OCR)

7C- August !0, 1975 S*t Robin Hamilton Is Bride Of B. Michael Brackett Beware of Fake Dunning Practices Miss Robin Hamilton, daughter of Mr. and Mrs. Paul Taylor Hamilton of Gordon Drive, became the bride of B. Michael Brackett. son of Mr. and Mrs. Joe Lawson Brackett of Clover. S.C:. in a ceremony performed Saturday afternoon at Christ Church United Methodist. The Rev. Ed Agsten of Raleigh. N.C.. uncle of the bride, officiated, assisted by the Rev. Aldred Wallace. The soloists. Lawson W. Hamilton Jr. and John Hamilton, uncles of the bride, were accompanied by Mrs. Robert E. Agsten. organist, and the bride was given in marriage by her father. Barbara Hamilton of Lewisburg. cousin of the bride, was maid of honor and bridesmaids included three other cousins. Mrs. Beverly Moran and Holly Parker, both of Morgantown. and Julie Parker of Memphis. Tenn.. as well as Mary Silverstein of Charleston. - * * » THE BRIDEGROOM had his father as best man. Ushers were the bride's brothers. Tim. Mark and Chris Hamilton, and Keith Brackett of Clover, brother of the bridegroom, and Don Briggs of Greenville. S.C. After a reception in the rotunda at Morris Harvey College, the couple left for a honeymoon at Hilton Head Island, S.C. R. A. Crowder, Miss Abernathy Wed Saturday In a double-ring ceremony performed on Saturday evening in the Charleston Mountain Mission by the Rev. Charles F. Scragg, Miss Debra Jo Abernathy, daughter of Mr. and Mrs. Josqph Martin Abernathy of Littlepage Avenue, became the bride of Roger Allen Crowder, son of Mrs. Annie Lou Crowder of Charleston, and the late Mr. Everett E. Crowder. Music was provided by Debbie McCutcheon. the Mountain Laurel Trio and Dianne Layne. The bride was given in marriage by her Mrs. B. M. Brackett . . . former Robin Hamilton She is a graduate of George Washington High School and has a B.A. degree in architecture from Clemson University where she belonged to Kappa Kappa Gamma Sorority. Her husband graduated cum laude from Clemson with a B.A. degree in economics. He belonged to Kappa Sigma Fraternity. Employed by the General Motors Acceptance Corp. in Columbia, S.C., he is a student at the law school of the University of South Carolina. They will make their home in Columbia. By Skhey Margolks CoMtitmer Expert far Siuufay Caaette-Uail Working families forced to delay installment payments because of high living costs and work cutbacks need to especially beware of deceptive dunning tricks used by high-pressure collection agencies and merchants. The main tactics which families struggling with unpaid bills need to guard against are fake lawyer letters, and make- believe summons and garnishee notices. Another frequently-used tactic of collectors is to threaten ihat all delinquent accounts are reported to credit bureaus throughout the country. Sometimes collection agencies may threaten that they will ask government officials to collect the delinquent accounts. Perhaps the most unconscionable scare tactics are the use of notices that resemble legal documents. In one case this year the Federal Trade Commission reported that a publishers' collection agency had used a form entitled "Notice of Draft for Suit." This was not, of course a real court notice. * * * IN ANOTHER example, a lawyer provided a collection agency with letterheads from his law office. FTC complained that these materials falsely indicated that the files had been transferred to an attorney or that an attorney was actively involved in collecting the account or preparing tor legal action. Threats of job loss because of garnishees often have been used to coerce workers into paying debt claims, even those against which they had legitimate defenses. Workers now have more protection against such threats. The federal "truth in lending" law now forbids firing How to Buy for only one garnishee in a year and some state laws provide even more protection. Another serious loss which delinquent debtors need to protect against is repossession without notice of cars -and other valuable goods, in states where this is permitted. If you ever receive a collection letter that resembles a legal notice, it would be wise to consult your shop steward, community services representative or credit union. They usually can tell whether the document is a legal notice or not. * * * IF YOUR NEED is for more time, most of the more reputable finance companies and dealers will agree to a schedule of reduced payments. Some high-pressure lenders and sellers, of course, may not. If you need intervention, union and credit union personnel often can suggest where to get it. If you ever do have a car repossessed, find cut what rights you have to redeem it under state law. Some states provide that the car or other seized property must be held for a specified number of days to give the debtor a chance to get it back by paying what is due plus repossession and storage expenses. In fact, the debtor may need to pay these expenses only if he first received a legal notice of intent to repossess. Also find out whether you can hold on to the car by paying just the current install- ment or must pay the full unpaid balance. In Man-land, recently, the Montgomery County Office of Consumer Affairs got a voluntary compliance agreement against the Ford Motor Credit Co. to discontinue notices threatening repossession unless the full remaining debt was paid. State law there allows a debtor to avoid repossession by paying just the amount currently due plus delinquency charges. IF ALL EFFORTS fail, and you can't arrange a private sale, and your car is repossessed, write to the finance company that you expect them to get full market value for the car on the resale since you may have to pay the difference between what you owe and the resale price. One help for debtors is a recent decision by a FTC judge requiring a large credit company. Spiegel. Inc.. headquartered in Chicago, to bring coUecliun law suits only in the county where the defendant lives or signed the coatract. Debtors obviously have not been able to go to the home counties of mail-order sellers like Spiegel to defend against court suits. 1" ANNUAL SALE UHIQIXCIFTS 20% OFF S (August Only) kei Jock}, htxjMi. latnt Crafts THE GIFT GALLERY i~ must LI MRS. R. A. CROWDER . . . former Debra A bernathy father. Judy Galloway was matron of honor for her sister and bridesmaids were Cindy Shrewsbury. Stephanie Chambers and Sharon Crowder. sister of th.e bridegroom. Michelle Schraeder, Melanie Kelly and Tammy Layne were junior bridesmaids and Ginny Galloway, the bride's niece, and Jeremy Miller, her cousin, were flowergirl and ringbearer. Jeffery Layne was trainbearer. * * * NEAL SHARP served as best man. Ushers were Tony and Jimmy Abernathy. brothers of the bride. Kin and Jimmy Miller of Charlotte. N.C.. cousins of the bride. Lonnie Finney and Dale Hall. Following a reception in the Greenbrier Room of the Heart-0-Town Motor Inn with music by the Mountain Laurel String Band and the Morris Brothers, the couple left for a wedding trip to Myrtle. S.C. They will live in Charleston. Mr. and Mrs. Crowder are graduates of Stonewall Jackson High School. She will enter a.technician training course in the fall. He .is employed by Peerless Block Co. A diamond is forever Because of its lasting beauty and value, o diamond ring is the p e r f e c t symbol of love. And . . . there is no finer diamond ring than a Keepsake. JEWELERS DUNBARYllAGESHOPPiG CENTER DUNBAR NEWMARTMSVULE SCANDIA Boys' Pre-Season Lay-away Jacket Sale Only 10% down holds your selections until October 1,1975 Pile Lined Melton Jacket 27 99 Regularly $35 Wool blend, heavy-duty zipper front, pile lined for lightweight warmth. Lay-down collar converts to draw string hood. 2 front patch pockets. Royal blue, bottle green or vicuna. Sizes 8 to 14. Metallic-look Jacket 27" Regularly $35 Snorkle Jacket 23" Rugged 10% nylon, polyester quilt lining. Heavy-duty front zipper, two flap, snap-down pockets. Hidden draw-string hood. Blue or grey. Sizes M (10-12), I (14-16), XL (18-20). Boys' World--Fourth Floor Regularly *30 100% nylon, heavy duty zip front, pile lined, fur trimmed hood. Hidden knit cuffs and concealed draw string waist. Available in navy or sage green. Sizes 8 to 20. For a new fashion adventure Colorful Long Floats Luxurious long, silky-soft acetate and nylonfloats. Elegant and practical for lounging, long zip front with comfortable convertible neck. Hand washable in beautiful pattern shades of pink, green, and blue. Sizes 5. M I. '13 Mail or Phone Your Order Dial 346-0371 MWC Ftli 2 HOURS, with'fewrchoie. ol Community Porting lot. comer of Virginic omJ Hole Streets

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