Resources

Helpful Information for Debtors

For more information on help for Debtors:

Contact Debtors Anonymous directly at 1-800-421-2383 or email office@debtorsanonymous.org or visit their website http://debtorsanonymous.org.

What to Do If You Suspect Elder Abuse

  1. Call 911 if the danger is immediate.

  2. If the danger is not immediate, go to the National Adult Protective Services Association website or the National Center on Elder Abuse website for agencies in your state that can help.

  3. If you are a victim of abuse there are many people that want to help you. Please call the National Eldercare locator hotline at 1-800-677-1116 where specially trained operators will find local agencies to help you.

Important Information about Your Credit

There are many consequences to having bad credit, among them are:

  • Higher interest rates when financing a car.
  • Higher interest rates when financing a home.
  • Higher auto insurance premiums.

Everyone is entitled to a free credit report once every twelve months from each of the nationwide consumer reporting companies: TransUnion, Equifax and Experian.

To order your report visit annualcreditreport.com, or call 1-877-322-8228.

Go to the Federal Trade Commission's website (ftc.gov) to learn more about protecting your credit.

What to Do If You See a Drunk Driver


  • Keep a safe distance away.


  • Call 911 and report the driver.


  • Give the authorities the route the person is taking and their license plate number.

Mothers Against Drunk Driving (MADD) was founded in 1980 by Candy Lightner after a drunk driver killed her daughter, Cari. MADD is dedicated to the prevention of drunk driving. MADD has started a campaign supporting legislation to mandate ignition interlocks for all convicted DUI offenders. An ignition interlock is a device that can be installed on the starting circuit of a vehicle. Once installed, the driver must blow into the device every time they attempt to start the vehicle. If the driver has a measurable alcohol level the vehicle will not start. For more information on this campaign or how to get involved visit madd.org.

Information on Bankruptcy

For More Information on bankruptcy:

United States Bankruptcy Courts
www.uscourts.gov

Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education
www.ftc.gov

Administrative Office of the U.S. Courts
www.uscourts.gov

Ending Domestic Violence

Judge Pirro hears a case with a young woman who stays with her boyfriend even after he beats her on many occasions. After the second time he is arrested for domestic violence against her, she even bails him of jail! She has come to Judge Pirro in an attempt to get back the bail money and for pain and suffering. The judge counsels her that beatings typically only increase in intensity, severity and frequency as time goes on and that the next beating is worse than the last. Judge Pirro tells her that she needs stand up for herself by using the information she gives her:

  • In the vast majority of states if the police are called to a domestic violence incident they are obligated to take a report and you are entitled to a copy of that report.


  • If you are in an abusive relationship there are people and organizations that can help you. Call the National Domestic Violence Hotline 1-800-799 SAFE.

Michigan Insurance and Limited Property Damage Liability

On today's show we discussed the insurance laws in the State of Michigan, and although the Plaintiff, Laura Sheldon, would have been precluded from recovering more than $500 for her car damage in the State of Michigan, Judge Pirro, in the interest of fairness and equity, decided to award Laura her actual damages in excess of $500 due to aggravating circumstances that the Defendant, Timothy Childs, was drunk, ran a traffic signal and caused the accident.

The State of Michigan operates under a no-fault system. The limited property damage liability or mini-tort provision of the no-fault law has a maximum recovery of $500. If a driver maintains the minimum insurance coverage required by the state and does not also maintain collision coverage, their only option is to resort to the mini-tort to recover any costs for automobile damage incurred in an accident regardless of fault. Currently, the other driver can only be liable for up to $500 in damages.

If you live in the State of Michigan and would like to show your support for an increase of the mini-tort limit, please click on the following link for information on how to contact your local senator.

http://house.michigan.gov/find_a_rep.asp

Getting Out of An Abusive Relationship

Hotlines:

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