Of course, it’s all Obama’s fault. If only he had praised cops for shooting helpless civilians, this would all be okay right now!
The head of the Cleveland police union said Sunday that President Obama has “blood on his hands” after the murders of police officers in Dallas and Baton Rouge, Louisiana. “It is reprehensible. And the president of the United States has blood on his hands, and it will not be able to become washed off,” said Detective… Continue Reading →
I am getting tired of describing the divide as city [government] mouse vs. country [individualist] mouse here: Think of America as a set of stories. Not as a set of policies. Not as a set of ideals, even. But as a set of stories we tell about ourselves and who we want to be. This, I… Continue Reading →
Maybe if the “good” cops would stop looking away over stuff like this, we might make some progress:
The man who made the video of the Alton Sterling shooting death go viral, one of two brutal videos from two states that sparked a national outrage and led to the shooting deaths of five Dallas police officers during an anti-police brutality protest Thursday – was arrested 24 hours later.
Chris LeDay believes it was an act of retaliation.
Considering police handcuffed and leg-shackled him after accusing him of assault and battery – only to jail him overnight for unpaid traffic fines – it certainly appears that way.
Especially considering his arrest took place 24 hours after he had posted the video on Facebook, Twitter and Instagram where it instantly went viral.
LeDay, 34, lives in Georgia, but was born and raised in Baton Rouge, Louisiana where the shooting took place early Tuesday morning, so he learned of the video through friends back home but it wasn’t getting much exposure. Continue Reading →
BATON ROUGE, Louisiana—Minutes after two cops killed Alton Sterling outside of a convenience store, police confiscated all surveillance video of the incident without a warrant and allegedly without permission.
An attorney for the owner of the Triple S Mart, Abdullah Muflahi, told The Daily Beast a hard drive containing the complete recording of the Sterling’s death at the hands of Baton Rouge Police Department Officers Blane Salamoni and Howie Lake was unlawfully taken by police. Muflahi showed The Daily Beast the barren cabinet where the hard drive had been.
All that’s left of the storage unit is a sole barren wire.
That wire went out to surveillance cameras on the front of the building. One of the cameras would have had a direct line of sight to where Sterling was standing when he was tasered, tackled, shot and killed by police.
[…] When The Daily Beast requested the both the surveillance video and the supposed warrant from the Baton Rouge Police Department, a lawyer from the department first denied the request by saying they could not turn over any documents from a “criminal investigation.” When told that a warrant is a public court document and could not be withheld, the lawyer then outright refused to confirm or deny if a warrant for the surveillance video even existed.
After backtracking on the existence of the warrant, the attorney backtracked on the possession of the surveillance video, saying that the Federal Bureau of Investigation had the hard drive.
“My client has not been informed of that,” said Porter, the attorney for the store owner.
The FBI refused to confirm or deny the police department’s claim.
“This is part of an ongoing investigation and we are unable to comment at this time,” Craig Betbeze, an FBI spokesperson told The Daily Beast.
This is Nakia Jones. She is a police officer. She has something to say. “It bothers me when I hear people say, ‘Y’all police officers this, y’all police officers that. They put us in this negative category when I’m saying to myself, ‘I’m not that type of police officer.’ I know officers that are like me… Continue Reading →
ProPublica Share on Facebook Share on Twitter Comment Donate Busted Tens of thousands of people every year are sent to jail based on the results of a $2 roadside drug test. Widespread evidence shows that these tests routinely produce false positives. Why are police departments and prosecutors still using them? by Ryan Gabrielson and Topher Sanders,… Continue Reading →
Amid a haze of grief after her son’s murder last year, Marcia DeOliveira-Longinetti faced an endless list of tasks 2014 helping the police access Kevin’s phone and email, canceling his subscriptions, credit cards and bank accounts, and arranging his burial in New Jersey.
And then there were his college loans.
When DeOliveira-Longinetti called about his federal loans, an administrator offered condolences and assured her the remaining balance would be written off.
But she got a far different response from a New Jersey state agency that had also lent her son money.
“Please accept our condolences on your loss,” said a letter from the Higher Education Student Assistance Authority to DeOliveira-Longinetti, who had co-signed the loans. “After careful consideration of the information you provided, the Authority has determined that your request does not meet the threshold for loan forgiveness. Monthly bill statements will continue to be sent to you.”
DeOliveira-Longinetti was shocked and confused. After all, the agency features a photo of Governor Chris Christie on its website, and boasts in its brochures that its “singular focus has always been to benefit the students we serve.”
But her experience with the authority, which runs by far the largest state-based student loan program in the country, is hardly an isolated one, an investigation by ProPublica, in collaboration with the New York Times, found.
New Jersey’s loans, which currently total $1.9 billion, are unlike those of any other government lending program for students in the country. They come with extraordinarily stringent rules that can easily lead to financial ruin. Repayments cannot be adjusted based on income, and borrowers who are unemployed or facing other financial hardships are given few breaks.
New Jersey’s loans also carry higher interest rates than similar federal programs. Most significantly, the loans come with a cudgel that even the most predatory for-profit players cannot wield: the power of the state.
New Jersey can garnish wages, rescind state income tax refunds, revoke professional licenses, even take away lottery winnings 2014 all without having to get court approval.
“It’s state-sanctioned loan sharking,” said Daniel Frischberg, a bankruptcy lawyer. “The New Jersey program is set up so that you fail.”
The authority has become even more aggressive in recent years. Interviews with dozens of borrowers, who were among the tens of thousands who have turned to the program, show how the loans have unraveled lives.
The program’s regulations have destroyed families’ credit and forced them to forfeit their salaries. One college graduate declared bankruptcy at age 26 after struggling to repay his debt. The agency filed four simultaneous lawsuits against a 31-year-old paralegal after she fell behind on her payments.
Another borrower, Chris Gonzalez, couldn’t keep up with his loans after he got non-Hodgkin’s lymphoma and was laid off by Goldman Sachs. While the federal government allowed him to suspend his payments because of hardship, New Jersey sued him, seeking nearly $266,000 in payments, and seized a state tax refund he was owed.
One reason for the aggressive tactics is that the state depends on Wall Street investors to finance student loans through tax-exempt bonds and needs to satisfy those investors by keeping losses to a minimum.
Loan revenues also cover about half of the agency’s administrative budget.
In 2010, the agency filed fewer than 100 suits against borrowers and their families. Last year, it filed over 1,600 suits. (Some could result from federal loans handled by New Jersey, though such loans make up just 4 percent of the agency’s portfolio.)
The cases are handled by debt collectors, who can tack on another 30 percent in fees on top of the outstanding debt.
Marcia Karrow, the authority’s chief of staff, said, “the vast majority of these borrowers are happy with the program.” She added that New Jersey’s loans had “some of the lowest default rates” in the country. But when asked to produce the annual default rates, the agency sent ProPublica and the Times data only for students with strong credit scores, making it impossible to calculate the overall rate. (Read their responses to our questions.)
A spokesman for Gov. Chris Christie said the governor does not control the authority and declined to respond to questions about the loan program. But Christie appointed its executive director, Gabrielle Charette; he also has the power to appoint at least 12 of the agency’s 18 board members and can veto any action taken by the board.
Besides administering the loan program, the authority provides financial aid counseling, conducting hundreds of financial aid nights at New Jersey high schools, where it offers advice about paying for college, including pitching its own loans.
DeOliveira-Longinetti, who emigrated from Brazil and had long worked as a nanny while raising her son as a single mother, always knew that paying for college would be a challenge. Even after marrying her husband when Kevin was in middle school, she knew that their combined income would not be enough to cover the costs. But a friend told her about New Jersey’s program. That, along with a combination of scholarships, grants, and other loans, allowed Kevin to enroll at the University of Vermont.
Since her son’s murder, DeOliveira-Longinetti has made 18 payments to New Jersey. At $180 per month, she has about 92 to go.
“We’re not going to be poor because of this,” she said. “But every time I have to pay this thing, I think in my head, this is so unfair.”
For decades, states served as middlemen for federal student loans. Most of the loans were made by banks and were handled and backed by regional and state-based agencies as well as by the federal government. The arrangement was unwieldy, expensive and marked by scandal.
That same year, New Jersey’s agency was caught in what amounted to a kickback scheme. The state attorney general found that the agency had improperly pushed one company’s loans in exchange for annual payments of $2.2 million. A subsequent investigation by the state’s inspector general found that the agency was in “disarray.”
In 2010, Congress and the Obama administration decided to effectively eliminate the role of state agencies by having only the federal government lend directly to students.
Some states, like California, decided to downsize and transferred their federal loan portfolios. Others, such as Pennsylvania, won contracts from the federal government to service debt from the federal loan program.
But New Jersey chose a different path. In the years leading up to the end of the federal program, New Jersey sharply expanded its loan program, slowly replacing the federal loans it once handled with state loans. From 2005 to 2010, loans from the agency nearly tripled, to $343 million per year. Since then, the agency has reduced its loans by half, but its outstanding portfolio has remained roughly the same, about $2 billion.
Karrow said the growth of New Jersey’s program was simply a result of both the growing number of students and the rising cost of tuition. But in fact, college enrollment and tuition have not grown as rapidly as the program’s size.
Lawsuits on the Rise for the New Jersey Higher Education Student Assistance Authority
Source: New Jersey Courts Automated Case Management System (ACMS) and Archive Case Management Information System (AMIS)
While other states have similar programs, New Jersey’s stands apart, both for its size and onerous terms.
Massachusetts, running the next-largest program with $1.3 billion in outstanding loans, automatically cancels debt if a borrower dies or becomes disabled, something many other states also do. The program of the third-largest state lender, Texas, is half the size of New Jersey’s. And Texas offers a flat interest rate, a modest 4.5 percent, while New Jersey’s rates can reach nearly 8 percent. Some other state loan programs also have more flexible repayment options 2014 Rhode Island, for example, offers income-based repayment.
New Jersey, meanwhile, encourages students to buy life insurance in case they die to help co-signers repay. As an agency pamphlet cautions, “Are you prepared for the unthinkable?”
The agency, Karrow said, treats each instance of a deceased borrower case by case and tries to be compassionate, but, she added, “we must also meet our fiduciary duty to our bondholders.”
When consumer lawyers protested the program’s onerous conditions at a 2014 agency meeting, the agency, according to minutes from the meeting, said that giving borrowers a break would make the bonds sold to finance loans “less attractive to the ratings agencies and investors.“
Indeed, in a recent bond assessment, the credit rating agency Moody’s cited the authority’s “administrative wage garnishing, which it uses aggressively” for “significantly higher collections” compared with other programs.
A New Jersey rule adopted in 1998 allows the agency to give borrowers in default a second chance by allowing them to become current on their account through on-time payments. But the agency has never granted a reprieve and instead cuts off contact with borrowers, leaving them at the mercy of collection firms.
Karrow said federal regulations prohibited the agency from offering such relief, but student loan experts disputed that assertion.
“There is nothing in the federal law or regulations that prohibits them from offering private loan rehabilitation,” said Mark Kantrowitz, a financial-aid expert.
The combination of a lack of flexibility, an unwillingness to discharge loans and the state’s power to seize wages has resulted in even “more intractable problems for our clients than predatory mortgages, deceptive car loans or illegal internet payday lending,” said David McMillin, a lawyer with Legal Services of New Jersey, a nonprofit organization that provides free legal assistance to low-income state residents. “Many borrowers and co-signers find themselves facing a lifetime of debt problems.”
Given the lack of options, some New Jersey borrowers have resorted to declaring bankruptcy, even though, as is true of all student loans, their debt is rarely canceled. Declaring bankruptcy also makes it virtually impossible to secure a mortgage, lease a car or even use credit cards for years. But for New Jersey borrowers, such an extreme step at least offers a way to gain manageable monthly payment terms.
As a co-signer, Tracey Timony struggled to help pay off her daughter’s $140,000 in loans. Though the Higher Education Student Assistance Authority can seize wages or tax returns without court approval, it must secure a judgment to dip into borrowers’ bank accounts or place liens on their property. Instead of garnishing Timony’s wages, New Jersey sued her after her daughter defaulted.
“The agency is looking to put as much pressure on the borrower and be as aggressive as possible, and the way that you do that is you go after everybody that is liable,” said Jennifer Weil, a New Jersey student debt lawyer. “In case the garnishment doesn’t work, a judgment will help put pressure on the parents.”
Timony declared bankruptcy and got monthly debt payments that will rise no higher than about $1,000 a month, far less than what the agency had demanded.
“I never thought that sending my daughter to college would ruin our lives,” Timony said.
Few have felt the weight of the agency’s powers more than Gonzalez, the college graduate who was sued after receiving a diagnosis of cancer and losing his job.
He had borrowed the maximum he could in federal loans 2014 a total of about $30,000 for five years 2014 and paid for most of his tuition with loans from New Jersey.
“I felt so comfortable because it was the State of New Jersey,” he said. “It’s the state, my government, trying to help me out and achieve my American dream. It turns out they were the worst ones.”
Over five years, he took out over $180,000 in state loans. Unlike most other states, New Jersey does not impose a strict cap on loans to discourage overborrowing. One family, according to a recent state audit of the agency, took out over $800,000 in loans, more than five times the value of their home.
Gonzalez’s loans had a relatively high interest rate 2014 on average about 7.5 percent. At the time it seemed like a good investment. He graduated with an engineering degree from Embry-Riddle Aeronautical University in Florida and landed a job on Wall Street working as a programmer for Goldman Sachs.
But a few months after he started, unusual rashes began to appear on his legs and underarms. He was diagnosed with non-Hodgkin’s lymphoma and started radiation therapy.
After three years of cancer treatments, Gonzalez was also laid off.
He needed to take care of his student loans. The federal government and his private lenders all deferred his debt for at least six months.
Gonzalez expected New Jersey to do the same, but the agency refused, requiring him to pay at least $500 a month. With unemployment checks as his only income and burdened by continuing health expenses, it was too much for him.
He made no payments while the agency reviewed his case. In June 2014, Gonzalez moved to Florida to lower his cost of living. His health slowly improved and he started his own company, developing technology for small businesses. In his first year, he made just $26,000, but he started to pay back his federal and private bank loans.
On May 8, 2015, after months of hearing nothing, he received an email from New Jersey: His deferral request had been denied and his loan was being sent to a collection agency.
“Unfortunately, because of how the loan originated, the Authority is not in a position to offer forbearance or relief,” Robert Laird, a program officer at the loan agency, said in the email.
Terrified by what a default would mean for his credit rating, Gonzalez told the agency that he would stop paying for health insurance and use the money 2014 $200 per month 2014 to repay the loans.
The agency rejected the offer. “In the event that your doctor declares you total and permanently disabled, please keep me posted,” Laird told Gonzalez in an email.
One day in April, a stranger rang Gonzalez’s doorbell.
“Chris Gonzalez?” he asked. Gonzalez nodded. “You’ve been served with a lawsuit from the New Jersey Higher Education Student Assistance Authority.”
The suit demanded over $260,000 2014 about $188,000 for the original loans, nearly $34,000 in interest, and $44,000 to cover the fees of a collection agency’s lawyer.
Even if his business improves, Gonzalez has no idea how he will afford his ballooning payments.
“I don’t have money,” he said. “I am spending it all on my debt.”
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“Last year was Comcast’s best year in nearly a decade,” the Massachusetts Democrat said in prepared remarks for a speech. “But while big telecom giants have been consuming each other, consumers have been left out in the cold — facing little or no choice in service providers and paying through the nose for cable and internet service.
Warren’s speech at a forum on monopolies came as part of her advocacy for greater enforcement of antitrust laws as American consumers pay higher prices for cable and Internet services than those elsewhere.
Warren cited the cable giant specifically, along with technology players like Apple and Google, the big airlines and Wal-Mart. While the Obama administration has blocked some deals, the U.S. has been through a strong period of business consolidation.
“Strong executive leadership could revive antitrust enforcement in this country and begin, once again, to fight back against dominant market power and overwhelming political power,” Warren said in the Capitol Visitor Center. “But we need something else too — and that’s a revival of the movement that created the antitrust laws in the first place.”
Donald Trump took a question at a New Hampshire town hall meeting today that was eerily reminiscent of John McCain’s town hall with the supporter who thought Obama was a Muslim. Suffice it to say, he had a different answer for her than McCain did. The woman asked a question about Homeland Security and jobs. “Why… Continue Reading →