A long time ago, like in 2009, i went to get my rental car from Paris valet. The car was same color, model, etc. As soon as i got in, i noticed the AC was working, which was weird, because when i dropped it off i distinctly remembered the AC was not working for a bit. I chalked it up to the car just resetting itself. As I am driving out of the hotel, i looked down at the gas, and saw I had near a full tank of gas. This was an immediate red flag and i knew i was in the wrong car, because my rental was near empty when i dropped it off to valet. While i figured AC might fix itself, gas would definitely not refill itself while in valet. i had to go back and tell valet they gave me the wrong car. they didnt believe me. I had to argue with them and tell them my car had no gas. after some cajoling they got me the correct car.
honestly if it wasnt for the gas being drastically different, who knows how long i would have been driving that car until realizing i had the wrong car.
Many decades ago, my Grandpa walked out of Church into the parking lot and drove the wrong car home. Someone else in the congregation had the same year, make, model and even color. The crazy thing is that his keys worked.
Guest
Anonymous
June 25, 2024 10:45 am
CCSD is an absolute disaster and my heart goes out to that family. One would hope that the $10M would be enough to wake up the NV taxpayers to the need for reform, but I’m sure the local electorate will continue to vote for idiots and conspiracy theorists for the school board. Yay Vegas! Hopefully JW’s parents can now afford to send him to a nice, safe private school where he gets the services he needs and he is not being beaten.
Guest
Anonymous
June 25, 2024 10:46 am
Pay Day Loans
In Las Vegas, many years ago. After undergrad, before law, I worked for a finance company that made personal unsecured loan. We had a special carve out from usury laws because we made loans to people who could not borrow. The shortest term was 12 months, the loan with the highest legal interest rate was about 30 percent. Credit cards were then limited to 18 percent interest, allowing enough interest to cover losses, so that otherwise unqualified persons could obtain credit.
Contrast that with today, were the the credit card rates approach 30 percent and short term cash lending exceed 300 percent. Something has gone wrong.
I hate predatory lending as much as anyone. But, just as with student loans, letting borrowers off the hook isn’t the right solution. When we try to legislatively save the financially illiterate from their own financial illiteracy, we don’t really do them a kindness. Consequences are a far more effective teacher. The free market is quite fair.
We do. It is called uncollectable debt that gets charged off or discharged in bankruptcy. Like it or not, we have a built in system that allows debtors (big and small) off of the hook.
You took the money, you should pay it back. Anyone who gets their student loans charged off is nothing but a deadbeat and should be ashamed. In fact, those who aren’t ashamed should be ashamed that they’re not ashamed. Fucking deadbeat freeloading scum – you should kiss the feet of every taxpayer.
Your math does not work. You may think you borrowed $50,000 but you borrowed more than that. I expect that you did not make payments on that debt for a long time and interest accrued. How much did you owe when you made your first payment?
Many borrowers do not understand the difference between a deferment and a forbearance and what happens to subsidized and unsubsidized loans during each.
Also, the rates when I borrowed (in the 90s)were 2-3% and I consolidated under those rates. Many consolidation loans are at MUCH higher rates.
Its basic financial knowledge that too many millennials, Gen Z and Gen Alpha lack.
They really should all have gotten their parents to pay for it. It’s the parents that are the deadbeats. Why have children if you don’t have hundreds of thousands sitting by to fund their higher ed?
There’s nothing wrong, legally speaking, with what the parday lenders do – maybe morally, but nothing prohibited by law. It’s access to quick money for people who have no other options. (I suppose one could argue that simply not borrowing from payday lenders is an option for these people.)
On the other hand, if we let borrowers off the hook who’ve entered into valid repayment agreements, what does that say about contract law? If we throw the contractual obligation to repay a loan to a payday lender, why not also discharge the obligation for car loans, mortgages, and credit cards?
4:15pm – these facts and logic do not give me warm fuzzies inside about saving a hypothetical poor person from the consequences of their own decisions. Therefore, downvote.
Agree. But elected legislators have allowed the term “usury” to be without meaning in Nevada. Was there money or other inducements? I don’t know, but the now legal rates are about the same as old school New York City loan sharking.
Tell that to my multi million dollar client that is stuck in the rut doing payday loans for his business and has no way out.
I also have a family member that has literally spent the last 20 years in a weekly rental. . .another rut from which they cannot escape. I feel supremely sorry for the children (bow adults) raised in that rut. Heartbreaking.
I believe that many people do not posses the coping skills necessary to navigate life. This is the worst end result. I do not advocate for suicide, however, if someone wants to off themselves then so be it. Said suicidal person has NO right to commit murder.
For funsies, I researched the murderer in attorney corner. More than one baby momma…owes child support…divorced.
The murderer has a child with his exact name. That child needs a name change ASAP, unless there is worse news to come. Who wants to be identified with such a horrific crime.
You may be a narcissist if you give your child your name.
Guest
Anonymous
June 25, 2024 11:23 am
I missed this yesterday but Assange has agreed a plea and is finally being released.
They are flying him to Saipan in the Marianas to take the guilty plea.
“U.S. prosecutors said Assange wanted to go to a court close to his home of Australia but not on the continental United States.”
Guest
Anonymous
June 25, 2024 2:18 pm
I have had it with your legal assistants. You want to be an anal ring on the telephone or email, we can discuss it under the Rules of Professional Conduct attorney to attorney. However I am not going to take that crap from your legal assistant.
–You send them to ask for a professional courtesy from me that you should be the one asking for? Not going to be greeted favorably.
— Your legal assistant decides to tell me that they are demanding my attention to your request for an extension when I am in a deposition? Not going to be greeted favorably.
— Your legal assistant believes that they are an attorney authorized to negotiate the case? Not going to be greeted favorably.
Saw one two weeks ago in court where an attorney said a motion to enforce shouldn’t be granted because their legal assistant didn’t have the authority to accept the settlement. …. Excuse me what. Very nice judge enforced the settlement rather than take peoples licenses.
That used to happen to me occasionally, but not in at least a decade. I think the people who had a secretary sitting in the outer office dialing the phone for them (after taking a letter in Gregg shorthand) have mostly retired by now.
There is a certain OC with a mid-five-figure bar number that has done it repeatedly. Last time he did it (after three tries) he asked why I made him call. . . I told him that he wasnt the president and he can dial his own fucking phone to call me. After he got over his *huff*, I gave him my cellphone to reach me. Now he just texts. 😂
If your Legal Assistant says “Please hold for ________________”, Mr. ___________ will be met with a dial tone by the time they get on the telephone.
Guest
anonymous
June 26, 2024 1:33 pm
Decision out in the Seaman v. Fiore slugfest. Petition denied; case can proceed, for now. Let the video depositions begin!
Guest
streameastweb
July 2, 2024 12:06 pm
Its like you read my mind You appear to know so much about this like you wrote the book in it or something I think that you can do with a few pics to drive the message home a little bit but instead of that this is excellent blog A fantastic read Ill certainly be back
A long time ago, like in 2009, i went to get my rental car from Paris valet. The car was same color, model, etc. As soon as i got in, i noticed the AC was working, which was weird, because when i dropped it off i distinctly remembered the AC was not working for a bit. I chalked it up to the car just resetting itself. As I am driving out of the hotel, i looked down at the gas, and saw I had near a full tank of gas. This was an immediate red flag and i knew i was in the wrong car, because my rental was near empty when i dropped it off to valet. While i figured AC might fix itself, gas would definitely not refill itself while in valet. i had to go back and tell valet they gave me the wrong car. they didnt believe me. I had to argue with them and tell them my car had no gas. after some cajoling they got me the correct car.
honestly if it wasnt for the gas being drastically different, who knows how long i would have been driving that car until realizing i had the wrong car.
Many decades ago, my Grandpa walked out of Church into the parking lot and drove the wrong car home. Someone else in the congregation had the same year, make, model and even color. The crazy thing is that his keys worked.
CCSD is an absolute disaster and my heart goes out to that family. One would hope that the $10M would be enough to wake up the NV taxpayers to the need for reform, but I’m sure the local electorate will continue to vote for idiots and conspiracy theorists for the school board. Yay Vegas! Hopefully JW’s parents can now afford to send him to a nice, safe private school where he gets the services he needs and he is not being beaten.
Pay Day Loans
In Las Vegas, many years ago. After undergrad, before law, I worked for a finance company that made personal unsecured loan. We had a special carve out from usury laws because we made loans to people who could not borrow. The shortest term was 12 months, the loan with the highest legal interest rate was about 30 percent. Credit cards were then limited to 18 percent interest, allowing enough interest to cover losses, so that otherwise unqualified persons could obtain credit.
Contrast that with today, were the the credit card rates approach 30 percent and short term cash lending exceed 300 percent. Something has gone wrong.
I hate predatory lending as much as anyone. But, just as with student loans, letting borrowers off the hook isn’t the right solution. When we try to legislatively save the financially illiterate from their own financial illiteracy, we don’t really do them a kindness. Consequences are a far more effective teacher. The free market is quite fair.
>Consequences are a far more effective teacher
Call me a crazy radical, but maybe we should have some consequences for the predatory lenders too?
We do. It is called uncollectable debt that gets charged off or discharged in bankruptcy. Like it or not, we have a built in system that allows debtors (big and small) off of the hook.
Now explain how that system applies to student loan debtors.
You took the money, you should pay it back. Anyone who gets their student loans charged off is nothing but a deadbeat and should be ashamed. In fact, those who aren’t ashamed should be ashamed that they’re not ashamed. Fucking deadbeat freeloading scum – you should kiss the feet of every taxpayer.
I’m not ashamed. I pay taxes. Not sure if I’m flexible enough to kiss my own feet. Will update in due course.
I borrowed $50K in student loans. I pay $800/mo. So far I’ve paid back $110K and I still owe $90K. Its a fucking scam.
Your math does not work. You may think you borrowed $50,000 but you borrowed more than that. I expect that you did not make payments on that debt for a long time and interest accrued. How much did you owe when you made your first payment?
Many borrowers do not understand the difference between a deferment and a forbearance and what happens to subsidized and unsubsidized loans during each.
Also, the rates when I borrowed (in the 90s)were 2-3% and I consolidated under those rates. Many consolidation loans are at MUCH higher rates.
Its basic financial knowledge that too many millennials, Gen Z and Gen Alpha lack.
They really should all have gotten their parents to pay for it. It’s the parents that are the deadbeats. Why have children if you don’t have hundreds of thousands sitting by to fund their higher ed?
Imagine getting to lend money at 8-12% and it’s practically guaranteed by the US government.
Talk about freeloaders.
There’s nothing wrong, legally speaking, with what the parday lenders do – maybe morally, but nothing prohibited by law. It’s access to quick money for people who have no other options. (I suppose one could argue that simply not borrowing from payday lenders is an option for these people.)
On the other hand, if we let borrowers off the hook who’ve entered into valid repayment agreements, what does that say about contract law? If we throw the contractual obligation to repay a loan to a payday lender, why not also discharge the obligation for car loans, mortgages, and credit cards?
The people who issue car loans, mortgages, and credit cards have better lobbyists and more juice than the payday lenders. Facts.
The Payday lobby does just fine. I assure you.
4:15pm – these facts and logic do not give me warm fuzzies inside about saving a hypothetical poor person from the consequences of their own decisions. Therefore, downvote.
Agree. But elected legislators have allowed the term “usury” to be without meaning in Nevada. Was there money or other inducements? I don’t know, but the now legal rates are about the same as old school New York City loan sharking.
Tell that to my multi million dollar client that is stuck in the rut doing payday loans for his business and has no way out.
I also have a family member that has literally spent the last 20 years in a weekly rental. . .another rut from which they cannot escape. I feel supremely sorry for the children (bow adults) raised in that rut. Heartbreaking.
The shylock is alive and well in business too.
5 Dead in North Las Vegas https://www.reviewjournal.com/crime/homicides/5-dead-in-north-las-vegas-police-give-update-on-suspect-3074417/?utm_campaign=widget&utm_medium=topnews&utm_source=homepage&utm_term=5%20dead%20in%20North%20Las%20Vegas%3B%20Police%20give%20update%20on%20suspect
People are out of their minds. Is it just me, or are we seeing more and more of this kind of behavior?
I believe that many people do not posses the coping skills necessary to navigate life. This is the worst end result. I do not advocate for suicide, however, if someone wants to off themselves then so be it. Said suicidal person has NO right to commit murder.
For funsies, I researched the murderer in attorney corner. More than one baby momma…owes child support…divorced.
The murderer has a child with his exact name. That child needs a name change ASAP, unless there is worse news to come. Who wants to be identified with such a horrific crime.
You may be a narcissist if you give your child your name.
I missed this yesterday but Assange has agreed a plea and is finally being released.
They are flying him to Saipan in the Marianas to take the guilty plea.
“U.S. prosecutors said Assange wanted to go to a court close to his home of Australia but not on the continental United States.”
I have had it with your legal assistants. You want to be an anal ring on the telephone or email, we can discuss it under the Rules of Professional Conduct attorney to attorney. However I am not going to take that crap from your legal assistant.
–You send them to ask for a professional courtesy from me that you should be the one asking for? Not going to be greeted favorably.
— Your legal assistant decides to tell me that they are demanding my attention to your request for an extension when I am in a deposition? Not going to be greeted favorably.
— Your legal assistant believes that they are an attorney authorized to negotiate the case? Not going to be greeted favorably.
“your legal assistant believes that they are an attorney authorized to negotiate the case?”
If true, that is an OBC matter. Just saying…
This happens all of the time in very subtle ways.
Saw one two weeks ago in court where an attorney said a motion to enforce shouldn’t be granted because their legal assistant didn’t have the authority to accept the settlement. …. Excuse me what. Very nice judge enforced the settlement rather than take peoples licenses.
Shit. I don’t even accept calls from “Please hold for _____________.” I tell them to call me like a human. You are not the fucking president.
That used to happen to me occasionally, but not in at least a decade. I think the people who had a secretary sitting in the outer office dialing the phone for them (after taking a letter in Gregg shorthand) have mostly retired by now.
There is a certain OC with a mid-five-figure bar number that has done it repeatedly. Last time he did it (after three tries) he asked why I made him call. . . I told him that he wasnt the president and he can dial his own fucking phone to call me. After he got over his *huff*, I gave him my cellphone to reach me. Now he just texts. 😂
If your Legal Assistant says “Please hold for ________________”, Mr. ___________ will be met with a dial tone by the time they get on the telephone.
Decision out in the Seaman v. Fiore slugfest. Petition denied; case can proceed, for now. Let the video depositions begin!
Its like you read my mind You appear to know so much about this like you wrote the book in it or something I think that you can do with a few pics to drive the message home a little bit but instead of that this is excellent blog A fantastic read Ill certainly be back