Month: January 2010

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Pretending This is a Better Waste of Time

I’m ashamed to admit how much time I can waste on Facebook.  I only signed up about a year ago.  It was a nice tool for keeping in touch with Portlanders after we moved to New York.  Then it became a nice tool for posting information about the baby.  Lately I find myself surfing around friends’ friends and seeing if I missed any potential friends.  I also respond to nonsense.

I read somewhere that studies have shown that surfing these sites releases some neurotransmitter similar to getting a drug.  We keep coming back for more to get that neurotransmitter, but it doesn’t provide the satisfaction of a good, real conversation.  I think I relate.  I crave connection, but with all our running around, it’s hard to get together with people.

I was sitting here tonight, reading down the News Page again and thought to myself that if I’m surfing useless Facebook information, I’m not working on my article, I’m not working on my book, I’m not writing on my blog, I’m not sewing the Presidents Day dress I want to make for Isabel.  I’m wasting time.  So here I am, writing this useless piece of information about my wasting time.  Such a better use.

Right.

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I Just Can’t Stand It

I’m so frustrated with this country.  I wish I had never heard the results of the Massachusetts election.  I can’t stand the stupid, short-sightedness in this country.  If anyone thinks Republicans are going to do anything to fix anything, they are fucking crazy.  This country would not be in this mess if it weren’t for decades of conservative thinking.  It never works.  People think the middle of the road Democrats need to fix things immediately or they will just vote in the bastards who created the mess in the first place, and things only get worse.  Problems take years to accumulate and they want changes to happen in minutes.

Conservative thinking has made a concerted effort to make Americans believe government is the problem, then they set out to gut government in order to back up their goals, getting people to believe that laissez-faire, market-driven capitalism is in their interests.  After their jobs have been sent overseas, their homes taken from them, no healthcare, no food, gutted schools, and no social programs to speak of, Americans blame government for the problem, rather than blaming the tiny elite who manipulated them in the first place using issues like abortion and same-sex marriage to get people to vote against their economic interests.  It’s terrifying.  In reality, governments work well in many countries, countries that let governments run effectively and don’t let big money run loose to do as it pleases.

I find it ironic that the same people who lament the giant banks and their big bonuses and corrupt business practices vote in the same people who ensure these policies stay in place and their actions will become even more blatant.  It makes me crazy.  People listen to uneducated fools like Sarah Palin, think she’s “like them,” in spite of the fact her bank account is nothing like theirs and she makes our nation look like a country of fools.  They get caught up in the hateful ire of Glenn Beck or Bill O’Reilly, without considering the motivations of these very wealthy, very hateful men.  They blame Obama for the bailouts, and he wasn’t even president when it happened!  I’m so sick of the ignorance, I can barely manage to follow politics in this country anymore.

I know the people I admire urge me to continue to try and make the world a better place, that in giving up hope, those hateful bastards win.  But seriously, how is one supposed to cope knowing things are only going to get worse and knowing I have two children for whom I want the world to be a better place, and for whom I want a planet for them to live on and prosper?  It almost makes me ashamed for having brought them into this place.  I love them more than life itself.  I only hope there is a planet for them to live on that isn’t as bleak and horrible as it seems doomed to be.

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Let’s Put an End to Pat Robertson

This article can be seen here on Huffington Post.  If you like it, Digg It or Buzz it Up.

Pat Robertson has been getting a lot of attention for his hateful, insensitive remarks about the victims of the earthquake in Haiti (and the victims of 9/11, and the Christmas Day tsunami, and Hurricane Katrina). This is understandable. Those of us with anything resembling a moral compass are shocked that he could believe such things and that he has the audacity to spew them in the wake of such tragedies.

Yet as horrendously mean-spirited as Robertson’s statements are, we should also be upset that his opinions receive national attention. Why? Because broadcasters choose to air his program. If broadcasters refused to air his nastiness, no one would have to hear about it. The way to keep him from getting national attention is to get broadcasters to stop airing his show.

Viewers can control what is shown by boycotting advertisers who fund his offensive program. If we want to stop hearing Pat Robertson, we need to make sure the broadcasters who air his program are not paid for it, thereby removing their incentive to air him.

The primary network airing The 700 Club is the Christian Broadcasting Network (CBN). Call the CBN and tell them to stop airing this show. Call networks and tell them to stop airing the show. Tell them if they do not pull the show, you will boycott their advertisers. Then call their advertisers and tell them you will not buy their products if they advertise on networks that air The 700 Club, or if they advertise on the CBN until the network pulls the show.

The CBN should drop Pat Robertson and The 700 Club. He does not espouse Christian values (or any values at all), such as compassion, kindness, generosity, humility, or selflessness. Let’s all do our part to ensure the next time tragedy strikes, Pat Robertson’s ugliness receives zero attention because none of us have to hear it.

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Moral Ambiguities

Do we gain more as individuals if we face our darkest secrets, the parts of us we find so reprehensible, the parts that are truly unforgivable?  Is there something to be improved by this?  If we admit these things, if only to ourselves, do we cower in the face of them or realize and accept they are there and move on?  Can we do both?  What do you do if there is nothing you can do to make what you have done right except to never do anything like it again?

I’m reading this book about a man who prosecuted some of the worst criminals.  He was able to interview many of them as potential witnesses in later cases.  He said many of them were completely depressed, as if they were unable to face their own cruelty.

There are actions a person can take that may not violate any societal laws that are immoral nonetheless.  We may find them so despicable, it is difficult to live with ourselves.  What happens then?  Is there a relief in confession?  Does knowing another human being knows your worst make it somehow better?

I don’t know.  I just don’t know.

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Why Hire a Bankruptcy Attorney?

Filing bankruptcy can be one of the most difficult choices a person makes. Often you have been struggling to meet your financial obligations. Something happens and the house of cards comes tumbling down, leaving you faced with a proposition that seems like failure. It is difficult and frustrating. You go to see an attorney and realize that even though you have no money to pay your bills, the attorney wants over a thousand dollars or more to represent you.

You discover there may be an alternative. You could pay someone much less to prepare your petition for you. You think Why not? Your case isn’t complicated, at least you don’t think it is. You pay a few hundred dollars and file your case. You may be okay. More likely, after things go very wrong you will realize that you should have hired an attorney.

Bankruptcy is more complicated than it appears on the surface. People who have seen or attended a bankruptcy hearing testify that the meetings are often over quickly. What is not apparent from the meeting is that most of the complicated work is done before the meeting takes place. The hearing should go smoothly if everything was done right ahead of time.

Having sat through countless hearings while representing debtors in the bankruptcy cases, I can assure you that bankruptcy is often more complicated than it looks, especially since the changes that took place in the bankruptcy laws in 2005.

Bankruptcy is more than what bills you owe. People often do not realize that all of their belongings are assets that may or may not be exempt. Other intangible things such as claims, insurance policies, and retirement accounts could also be assets. You may fail to disclose an item that could have been protected, only to lose it because of the lack of disclosure. The actions taken in the years and months leading up to bankruptcy can have consequences, and can cause unintended ramifications for friends and family members.

Every consumer bankruptcy case is assigned to a trustee. That person is responsible for ensuring the interests of your creditors are protected. When you hire a bankruptcy attorney, this person is there to represent you. Your attorney can help you to determine which debts you can discharge or pay off. Your attorney will help you protect assets that are not exempt, and will help you to do so legally.  Your attorney will make sure you list every asset and that every asset that can be is protected. Your attorney will help you ensure that bankruptcy is what it is intended to be:  a fresh start.

When you pay an attorney, you are paying that person to ensure you file everything you are supposed to file, turn over all the paperwork you are required to turn over, help you maximize your assets and minimize your losses, and to represent you against your creditors. In short, you are paying for the best fresh start you can muster.

What can a petition preparer do? Legally, all a petition preparer can do is fill in the blanks on your bankruptcy documents. If you choose to pay someone hundreds of dollars for this service you are, in effect, paying hundreds of dollars for data entry service.

If a petition preparer does more than enter information into your petition, that person is breaking the law. Both federal bankruptcy laws and state rules governing the practice of law forbid anyone except a licensed attorney from giving you advice.

Why? To protect you, the consumer. If an attorney messes up your case, there are protections in place to help you. Attorneys in Oregon,Washington, and many other states are required to carry malpractice insurance. They can also be sanctioned by their bars for failure to adhere to a basic code of conduct. There are no systems in place to help you if a document preparer messes up your petition or gives you erroneous advice. You may be able to file a complaint claiming they practiced law without a license, and while the person may face fines or sanctions, you will not get anything to cover your losses.

Hiring an attorney to represent you during your bankruptcy can be expensive. After suffering through financial difficulties and falling behind on your financial obligations, handing over a large sum of money to an attorney can seem like a real hardship. But bankruptcy is not an area to shortchange yourself.  Filing bankruptcy is your opportunity to make a fresh start. Make it the best start it can be by hiring a good attorney to represent, protect, and advise you. Think of it as your first investment in a new financial future.

I am a bankruptcy attorney. I help consumers file for chapter 7 and chapter 13 bankruptcy in Oregon and SW Washington.