If you did, how did the meeting with the trustee go? Was it hard? Was the trustee agressive?

Hello, my in-laws are both over 65 living in upstate New york. They have a barely affordable mortgage repayment and have just received a notice from a law firm regarding an outstanding credit card repayment which they absolutely can’t afford. They also have a property tax bill due which they likely can’t afford either. Does anyone have any advice on a possible solution for their situation. Is bankruptcy a possibility (I know the laws have changed on that front)
Any advice will be greatly appreciated.

My mother-in-law has major medical bills and is completly behind on all her bills, due to being in the hospital for an extended period. She filed bankruptcy less than 7 years ago.

I keep getting emails that claim there are Federal Laws to elimate debts. (I know they are note referring to Bankruptcy here). Doesn’t anyone know if this is true or is it just more scammers making money off other’s mistfortunes?

If anyone knows this to be true, I would like to know.

Thanks in advance.

8 years ago I filed for bankruptcy. I never filed on my home. I have never missed a payment. Recently my mortgage was bought out by another lender. They send me a letter saying my escrow is over $1100.00 short! Come to find out my previous lender had not done an escrow analysis on my mortgage for the last five years. Now they expect me to come up with the payment. Yes they are going to spread it out over 12 months, but I really can’t make that large of a payment. Do I have any legal recourse against my previous lender? Isn’t it a law for them to send me a yearly escrow analysis? What Agency can help me? Who can I report this to?

Hi i have a debt gone to collection from a car of mine that was impounded by the city and sold at auction. they charged me for 30 day storage and towing and stuff.
by bankruptcy law i can discharge a storage fee and such but i cannot discharge a fine imposed for traffic tickets and criminal penalties.
so i don’t know if a debt to a police garage is a bill or a fine.

thanx, louie

I think It very likely!!Written by Raymond S. Kraft

This is HISTORY THAT HAS BEEN LEFT OUT OF OUR TEXTBOOKS. MANY OF YOU ARE
NOT OLD ENOUGH TO REMEMBER THAT NEARLY EVERY FAMILY IN AMERICA WAS
GROSSLY AFFECTED BY WWII. MANY OF YOU DON’T REMEMBER THE RATIONING OF
MEAT, SHOES, GASOLINE, AND SUGAR. NO TIRES FOR OUR AUTOMOBILES, AND A
SPEED LIMIT OF 35 MILES AN HOUR ON THE ROAD. NOT TO MENTION, NO NEW
AUTOMOBILES. READ THIS AND THINK ABOUT HOW WE WOULD REACT TO BEING TAKEN
OVER BY FOREIGNERS.
—–

Historical Significance:

Sixty-three years ago, Nazi Germany had overrun almost all of Europe and
hammered England to the verge of bankruptcy and defeat, and had sunk
more than four hundred British ships in their convoys between England
and America for food and war materials.

At that time the US was in an isolationist, pacifist mood, and most
Americans wanted nothing to do with the European or the Asian war.

Then along came Pearl Harbor on December 7, 1941, and in outrage
Congress unanimously declared war on Japan , and the following day on
Germany , which had not yet attacked us. It was a dicey thing. We had
few allies.

France was not an ally, as the Vichy government of France quickly
aligned itself with its German occupiers. Germany was certainly not an
ally, as Hitler was intent on setting up a Thousand Year Reich in
Europe . Japan was not an ally, as it was well on its way to owning and
controlling all of Asia . Together, Japan and Germany had long-range
plans of invading Canada and Mexico , as launching pads to get into the
United States over our northern and southern borders, after they
finished gaining control of Asia and Europe . America ’s only allies then
were England , Ireland , Scotland , Canada , Australia , and Russia . That was
about it. All of Europe, from Norway to Italy , except Russia in the
East, was already under the Nazi heel.

America was certainly not prepared for war. America had drastically
downgraded most of its military forces after W.W.I and throughout the
depression, so that at the outbreak of WW2, army units were training
with broomsticks because they didn’t have guns, and cars with “tank”
painted on the doors because they didn’t have real tanks. And a huge
chunk of our navy had just been sunk or damaged at Pearl Harbor .

Britain had already gone bankrupt, saved only by the donation of $600
million in gold bullion in the Bank of England, that was actually the
property of Belgium , given by Belgium to England to carry on the war
when Belgium was overrun by Hitler (a little known fact). Actually,
Belgium surrendered on one day, because it was unable to oppose the
German invasion, and the Germans bombed Brussels into rubble the next
day just to prove they could. Britain had already been holding out for
two years in the face of staggering losses and the near decimation of
its air force in the Battle of Britain, and was saved from being overrun
by Germany only because Hitler made the mistake of thinking the Brits
were a relatively minor threat that could be dealt with later, and first
turning his attention to Russia , at a time when England was on the
vergeof collapse, in the late summer of 1940.

Ironically, Russia saved America ’s butt by putting up a desperate fight
for two years, until the US got geared up to begin hammering away at
Germany .

Russia lost something like 24 million people in the sieges of Stalingrad
and Moscow alone… 90% of them from cold and starvation, mostly
civilians, but also more than a 1,000,000 soldiers.

Had Russia surrendered, Hitler would have been able to focus his entire
war effort against the Brits, then America . And the Nazis could possibly
have won the war.

All of this is to illustrate that turning points in history are often
dicey things. And now, we find ourselves at another one of those key
moments in history.

There is a very dangerous minority in Islam that either has, or wants
and may soon have, the ability to deliver small nuclear, biological, or
chemical weapons, almost anywhere in the world.

The Jihadis, the militant Muslims, are basically Nazis in Kaffiyahs –
they believe that Islam, a radically conservative form of Wahhabi Islam,
should own and control the Middle East first, then Europe , then the
world. And that all who do not bow to their will of thinking should be
killed, enslaved, or subjugated. They want to finish the Holocaust,
destroy Israel , and purge the world of Jews. This is their mantra.

There is also a civil war raging in the Middle East — for the most part
not a hot war, but a war of ideas. Islam is having its Inquisition and
its Reformation, but it is not known yet which will win — the
Inquisitors, or the Reformationists.

If the Inquisition wins, then the Wahhabis, the Jihadis, will control
the Middle East, the OPEC oil, and the US , European, and Asian
economies. The techno-industrial economies will be at the mercy of OPEC
– not an OPEC dominated by the educated, rational Saudis of today, but
an OPEC dominated by the Jihadis. You want gas in your car? You want
heating oil next winter? You want the dollar to be worth anything? You
better hope the Jihad, the Muslim Inquisition, loses, and the Islamic
Reformation wins.

If the Reformation movement wins, that is, the moderate Muslims who
believe that Islam can respect and tolerate other religions, and live in
peace with the rest of the world, and move out of the 10th century into
the 21st, then the troubles in the Middle East will eventually fade
away, and a moderate and prosperous Middle East will emerge.

We have to help the Reformation win, and to do that we have to fight the
Inquisition, i.e., the Wahhabi movement, the Jihad, Al Qaeda and the
Islamic terrorist movements. We have to do it somewhere. And we can’t do
it everywhere at once. We have created a focal point for the battle at a
time and place of our choosing……..in Iraq .

Not in New York , not in London , or Paris or Berlin , but in Iraq , where
we are doing two important things.

(1) We deposed Saddam Hussein. Whether Saddam Hussein was directly
involved in 9/11 or not, it is undisputed that Saddam has been actively
supporting the terrorist movement for decades. Saddam is a terrorist.

Saddam is, or was, a weapon of mass destruction, who is responsible for
the deaths of probably more than a million Iraqis and two million
Iranians.

(2) We created a battle, a confrontation, a flash point, with Islamic
terrorism in Iraq . We have focused the battle. We are killing bad
people, and the ones we get there we won’t have to get here. We also
have a good shot at creating a democratic, peaceful Iraq , which will be
a catalyst for democratic change in the rest of the Middle East , and an
outpost for a stabilizing American military presence in the Middle East
for as long as it is needed.

World War II, the war with the German and Japanese Nazis, really began
with a “whimper” in 1928. It did not begin with Pearl Harbor . It began
with the Japanese invasion of China . It was a war for fourteen years
before America joined it. It officially ended in 1945 — a 17 year war
– and was followed by another decade of US occupation in Germany and
Japan to get those countries reconstructed and running on their own
again … a 27 year war.

World War II cost the United States an amount equal to approximately a
full year’s GDP — adjusted for inflation, equal to about $12 trillion
dollars. W.W.II cost America more than 400,000 killed in action, and
nearly 100,000 still missing in action.

The Iraq war has, so far, cost the US about $160 billion, which is
roughly what 9/11 cost New York . It has also cost about 3,000 American
lives, which is roughly EQUAL TO the 3,000 lives that the Jihad snuffed
on 9/11. But the cost of not fighting and winning W.W.II would have been
unimaginably greater — a world dominated by German and Japanese Nazism.

This is not 60 minute TV shows, and 2 hour movies in which everything
comes out okay.

The real world is not like that. It is messy, uncertain, and sometimes
bloody and ugly. Always has been, and probably always will be.

The bottom line is that we will have to deal with Islamic terrorism
until we defeat it, whenever that is. It will not go away if we ignore
it.

If the US can create a reasonably democratic and stable Iraq , then we
have an ” England ” in the Middle East , a platform, from which we can work
to help modernize and moderate the Middle East . The history of the
world is the clash between the forces of relative civility and
civilization, and the barbarians clamoring at the gates. The Iraq war is
merely another battle in this ancient and never ending war. And now, for
the first time ever, the barbarians are about to get nuclear weapons.
Unless somebody prevents them.

We have four options:

1. We can defeat the Jihad now, before it gets nuclear weapons.

2. We can fight the Jihad later, after it gets nuclear weapons (which
may be as early as next year, if Iran ’s progress on nuclear weapons is
what Iran claims it is)

3. We can surrender to the Jihad and accept its dominance in the Middle
East, now, in Europe in the next few years or decades, and ultimately in
America .

4. Or, we can stand down now, and pick up the fight later when the Jihad
is more widespread and better armed, perhaps after the Jihad has
dominated France and Germany and maybe most of the rest of Europe . It
will, of course, be more dangerous, more expensive, and much bloodier.

If you oppose this war, I hope you like the idea that your children, or
grandchildren, may live in an Islamic America under the Mullahs and the
Sharia, an America that resembles Iran today.

The history of the world is the history of civilizational clashes,
cultural clashes. All wars are about ideas, ideas about what society and
civilization should be like, and the most determined always win.

Those who are willing to be the most ruthless always win. The pacifists
always lose, because the anti-pacifists kill them.

Remember, perspective is every thing, and America ’s schools teach too
little history for perspective to be clear, especially in the young
American mind.

The Cold war lasted from about 1947 at least until the Berlin Wall came
down in 1989. Forty-two years. Europe spent the first half of the 19th
century fighting Napoleon, and from 1870 to 1945 fighting Germany

World War II began in 1928, lasted 17 years, plus a ten year occupation,
and the US still has troops in Germany and Japan . World War II resulted
in the death of more than 50 million people, maybe more than 100 million
people, depending on which estimates you accept.

The US has taken more than 3,000 killed in action in Iraq . The US took
more than 4,000 killed in action on the morning of June 6, 1944, the
first day of the Normandy Invasion to rid Europe of Nazi Imperialism.
In W.W.II the US averaged 2,000 KIA a week — for four years. Most of
the individual battles of W.W.II lost more Americans than the entire
Iraq war has done so far.

But the stakes are at least as high … A world dominated by
representative governments with civil rights, human rights, and personal
freedoms .. or a world dominated by a radical Islamic Wahhabi movement,
by the Jihad, under the Mullahs and the Sharia (Islamic law).

It’s difficult to understand why the American left does not grasp this.
They favor human rights, civil rights, liberty and freedom, but
evidently not for Iraqis.

“Peace Activists” always seem to demonstrate here in America , where it’s
safe.

Why don’t we see Peace Activist demonstrating in Iran , Syria , Iraq ,
Sudan , North Korea , in the places that really need peace activism the
most?

The liberal mentality is supposed to favor human rights, civil rights,
democracy, multiculturalism, diversity, etc., but if the Jihad wins,
wherever the Jihad wins, it is the end of civil rights, human rights,
democracy, multiculturalism, diversity, etc.

Americans who oppose the liberation of Iraq are coming down on the side
of their own worst enemy.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Raymond S. Kraft is a writer living in Northern California
Note: forwarded message attached.

Written by Raymond S. Kraft

This is HISTORY THAT HAS BEEN LEFT OUT OF OUR TEXTBOOKS. MANY OF YOU ARE
NOT OLD ENOUGH TO REMEMBER THAT NEARLY EVERY FAMILY IN AMERICA WAS
GROSSLY AFFECTED BY WWII. MANY OF YOU DON’T REMEMBER THE RATIONING OF
MEAT, SHOES, GASOLINE, AND SUGAR. NO TIRES FOR OUR AUTOMOBILES, AND A
SPEED LIMIT OF 35 MILES AN HOUR ON THE ROAD. NOT TO MENTION, NO NEW
AUTOMOBILES. READ THIS AND THINK ABOUT HOW WE WOULD REACT TO BEING TAKEN
OVER BY FOREIGNERS.
—–

Historical Significance:

Sixty-three years ago, Nazi Germany had overrun almost all of Europe and
hammered England to the verge of bankruptcy and defeat, and had sunk
more than four hundred British ships in their convoys between England
and America for food and war materials.

At that time the US was in an isolationist, pacifist mood, and most
Americans wanted nothing to do with the European or the Asian war.

Then along came Pearl Harbor on December 7, 1941, and in outrage
Congress unanimously declared war on Japan , and the following day on
Germany , which had not yet attacked us. It was a dicey thing. We had
few allies.

France was not an ally, as the Vichy government of France quickly
aligned itself with its German occupiers. Germany was certainly not an
ally, as Hitler was intent on setting up a Thousand Year Reich in
Europe . Japan was not an ally, as it was well on its way to owning and
controlling all of Asia . Together, Japan and Germany had long-range
plans of invading Canada and Mexico , as launching pads to get into the
United States over our northern and southern borders, after they
finished gaining control of Asia and Europe . America ’s only allies then
were England , Ireland , Scotland , Canada , Australia , and Russia . That was
about it. All of Europe, from Norway to Italy , except Russia in the
East, was already under the Nazi heel.

America was certainly not prepared for war. America had drastically
downgraded most of its military forces after W.W.I and throughout the
depression, so that at the outbreak of WW2, army units were training
with broomsticks because they didn’t have guns, and cars with “tank”
painted on the doors because they didn’t have real tanks. And a huge
chunk of our navy had just been sunk or damaged at Pearl Harbor .

Britain had already gone bankrupt, saved only by the donation of $600
million in gold bullion in the Bank of England, that was actually the
property of Belgium , given by Belgium to England to carry on the war
when Belgium was overrun by Hitler (a little known fact). Actually,
Belgium surrendered on one day, because it was unable to oppose the
German invasion, and the Germans bombed Brussels into rubble the next
day just to prove they could. Britain had already been holding out for
two years in the face of staggering losses and the near decimation of
its air force in the Battle of Britain, and was saved from being overrun
by Germany only because Hitler made the mistake of thinking the Brits
were a relatively minor threat that could be dealt with later, and first
turning his attention to Russia , at a time when England was on the
vergeof collapse, in the late summer of 1940.

Ironically, Russia saved America ’s butt by putting up a desperate fight
for two years, until the US got geared up to begin hammering away at
Germany .

Russia lost something like 24 million people in the sieges of Stalingrad
and Moscow alone… 90% of them from cold and starvation, mostly
civilians, but also more than a 1,000,000 soldiers.

Had Russia surrendered, Hitler would have been able to focus his entire
war effort against the Brits, then America . And the Nazis could possibly
have won the war.

All of this is to illustrate that turning points in history are often
dicey things. And now, we find ourselves at another one of those key
moments in history.

There is a very dangerous minority in Islam that either has, or wants
and may soon have, the ability to deliver small nuclear, biological, or
chemical weapons, almost anywhere in the world.

The Jihadis, the militant Muslims, are basically Nazis in Kaffiyahs –
they believe that Islam, a radically conservative form of Wahhabi Islam,
should own and control the Middle East first, then Europe , then the
world. And that all who do not bow to their will of thinking should be
killed, enslaved, or subjugated. They want to finish the Holocaust,
destroy Israel , and purge the world of Jews. This is their mantra.

There is also a civil war raging in the Middle East — for the most part
not a hot war, but a war of ideas. Islam is having its Inquisition and
its Reformation, but it is not known yet which will win — the
Inquisitors, or the Reformationists.

If the Inquisition wins, then the Wahhabis, the Jihadis, will control
the Middle East, the OPEC oil, and the US , European, and Asian
economies. The techno-industrial economies will be at the mercy of OPEC
– not an OPEC dominated by the educated, rational Saudis of today, but
an OPEC dominated by the Jihadis. You want gas in your car? You want
heating oil next winter? You want the dollar to be worth anything? You
better hope the Jihad, the Muslim Inquisition, loses, and the Islamic
Reformation wins.

If the Reformation movement wins, that is, the moderate Muslims who
believe that Islam can respect and tolerate other religions, and live in
peace with the rest of the world, and move out of the 10th century into
the 21st, then the troubles in the Middle East will eventually fade
away, and a moderate and prosperous Middle East will emerge.

We have to help the Reformation win, and to do that we have to fight the
Inquisition, i.e., the Wahhabi movement, the Jihad, Al Qaeda and the
Islamic terrorist movements. We have to do it somewhere. And we can’t do
it everywhere at once. We have created a focal point for the battle at a
time and place of our choosing……..in Iraq .

Not in New York , not in London , or Paris or Berlin , but in Iraq , where
we are doing two important things.

(1) We deposed Saddam Hussein. Whether Saddam Hussein was directly
involved in 9/11 or not, it is undisputed that Saddam has been actively
supporting the terrorist movement for decades. Saddam is a terrorist.

Saddam is, or was, a weapon of mass destruction, who is responsible for
the deaths of probably more than a million Iraqis and two million
Iranians.

(2) We created a battle, a confrontation, a flash point, with Islamic
terrorism in Iraq . We have focused the battle. We are killing bad
people, and the ones we get there we won’t have to get here. We also
have a good shot at creating a democratic, peaceful Iraq , which will be
a catalyst for democratic change in the rest of the Middle East , and an
outpost for a stabilizing American military presence in the Middle East
for as long as it is needed.

World War II, the war with the German and Japanese Nazis, really began
with a “whimper” in 1928. It did not begin with Pearl Harbor . It began
with the Japanese invasion of China . It was a war for fourteen years
before America joined it. It officially ended in 1945 — a 17 year war
– and was followed by another decade of US occupation in Germany and
Japan to get those countries reconstructed and running on their own
again … a 27 year war.

World War II cost the United States an amount equal to approximately a
full year’s GDP — adjusted for inflation, equal to about $12 trillion
dollars. W.W.II cost America more than 400,000 killed in action, and
nearly 100,000 still missing in action.

The Iraq war has, so far, cost the US about $160 billion, which is
roughly what 9/11 cost New York . It has also cost about 3,000 American
lives, which is roughly EQUAL TO the 3,000 lives that the Jihad snuffed
on 9/11. But the cost of not fighting and winning W.W.II would have been
unimaginably greater — a world dominated by German and Japanese Nazism.

This is not 60 minute TV shows, and 2 hour movies in which everything
comes out okay.

The real world is not like that. It is messy, uncertain, and sometimes
bloody and ugly. Always has been, and probably always will be.

The bottom line is that we will have to deal with Islamic terrorism
until we defeat it, whenever that is. It will not go away if we ignore
it.

If the US can create a reasonably democratic and stable Iraq , then we
have an ” England ” in the Middle East , a platform, from which we can work
to help modernize and moderate the Middle East . The history of the
world is the clash between the forces of relative civility and
civilization, and the barbarians clamoring at the gates. The Iraq war is
merely another battle in this ancient and never ending war. And now, for
the first time ever, the barbarians are about to get nuclear weapons.
Unless somebody prevents them.

We have four options:

1. We can defeat the Jihad now, before it gets nuclear weapons.

2. We can fight the Jihad later, after it gets nuclear weapons (which
may be as early as next year, if Iran ’s progress on nuclear weapons is
what Iran claims it is)

3. We can surrender to the Jihad and accept its dominance in the Middle
East, now, in Europe in the next few years or decades, and ultimately in
America .

4. Or, we can stand down now, and pick up the fight later when the Jihad
is more widespread and better armed, perhaps after the Jihad has
dominated France and Germany and maybe most of the rest of Europe . It
will, of course, be more dangerous, more expensive, and much bloodier.

If you oppose this war, I hope you like the idea that your children, or
grandchildren, may live in an Islamic America under the Mullahs and the
Sharia, an America that resembles Iran today.

The history of the world is the history of civilizational clashes,
cultural clashes. All wars are about ideas, ideas about what society and
civilization should be like, and the most determined always win.

Those who are willing to be the most ruthless always win. The pacifists
always lose, because the anti-pacifists kill them.

Remember, perspective is every thing, and America ’s schools teach too
little history for perspective to be clear, especially in the young
American mind.

The Cold war lasted from about 1947 at least until the Berlin Wall came
down in 1989. Forty-two years. Europe spent the first half of the 19th
century fighting Napoleon, and from 1870 to 1945 fighting Germany

World War II began in 1928, lasted 17 years, plus a ten year occupation,
and the US still has troops in Germany and Japan . World War II resulted
in the death of more than 50 million people, maybe more than 100 million
people, depending on which estimates you accept.

The US has taken more than 3,000 killed in action in Iraq . The US took
more than 4,000 killed in action on the morning of June 6, 1944, the
first day of the Normandy Invasion to rid Europe of Nazi Imperialism.
In W.W.II the US averaged 2,000 KIA a week — for four years. Most of
the individual battles of W.W.II lost more Americans than the entire
Iraq war has done so far.

But the stakes are at least as high … A world dominated by
representative governments with civil rights, human rights, and personal
freedoms .. or a world dominated by a radical Islamic Wahhabi movement,
by the Jihad, under the Mullahs and the Sharia (Islamic law).

It’s difficult to understand why the American left does not grasp this.
They favor human rights, civil rights, liberty and freedom, but
evidently not for Iraqis.

“Peace Activists” always seem to demonstrate here in America , where it’s
safe.

Why don’t we see Peace Activist demonstrating in Iran , Syria , Iraq ,
Sudan , North Korea , in the places that really need peace activism the
most?

The liberal mentality is supposed to favor human rights, civil rights,
democracy, multiculturalism, diversity, etc., but if the Jihad wins,
wherever the Jihad wins, it is the end of civil rights, human rights,
democracy, multiculturalism, diversity, etc.

Americans who oppose the liberation of Iraq are coming down on the side
of their own worst enemy.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Raymond S. Kraft is a writer living in Northern California
Note: forwarded message attached.
I don’t have a link.it was sent to me in an e-mail.And I am not editing it dip
What is the diffrance if you read it here or from a linked sight?

Read it or don’t BUT DON”T WINE ABOUT IT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
SAMHERO WHO THE HELL IS RAYMOND?????????????

Connecticut needs a ban on smoking. Why should secondhand smoking punish U.S. citizens who don’t smoke because America wants the taxes they put on tobacco companies? Smoking affects everyone. Also, the burning of materials pollutes the environment. Smoking kills people, even people who don’t smoke. Addictions are extremely bad for people. People can go bankrupt because they feel they need to buy cigarettes. It also destroys the physical health. Finally, every time I see someone smoking, I literally have to hold my breath because the smell is so bad and torturous. In conclusion, smoking should be against the law both in public and nonpublic.
First of all, America doesn’t need the taxes of tobacco. If a law on smoking is truly unavailable, the government needs to keep raising the taxes on tobacco companies until they are forced to go out of business. Is America really greedy enough to let lives be taken by smoking and secondhand smoking just to make revenue? I know for a fact that the majority of the population that doesn’t smoke would rather have higher taxes on everything else than have people smoke around them. Therefore, these taxes shouldn’t mean anything and smoking should be forbidden.
There isn’t one person in this world that isn’t affected by smoking, whether they smoke or not. Everyone’s lungs are getting destroyed because of smokers. It’s not fair to those who are smart enough not to smoke. Scientists have proven that secondhand smoking is just as bad as firsthand smoking. Therefore, the U.S. government is letting people die when the cause of death can be prevented. Also, babies, toddlers, and young children are affected by secondhand smoking. They can die because of this. It’s not fair to these children, and it’s not fair to others who don’t want smoking ruining their life. So smoking is not fair to those who don’t like a whiff of smoke.
Smoking pollutes the environment. I’ve learned through school that anything that is burning pollutes the environment. What good are the programs who try and help the environment get better with global warming and keeping the land, air, and water clean if there are going to be smokers? I thought the world was trying to keep global warming down to a minimum. Scientific studies prove that more destructive storms will occur as the earth warms up. In the long run, this pollution affects smokers and nonsmokers in the long run.
There is nothing good about an addiction, especially to a bad habit. Students addicted to smoking can be as young as junior high school students. Out of the adult population, 20% or 45 million are addicted. The population of only junior high school students that smoke is 12%. Can you imagine the percentage of high school and college students that smoke? Also, adults that are addicted to smoking can lead themselves into financial trouble. They may spend too much money on cigarettes that they don’t have enough to pay off their debts. This can lead to bankruptcy. In the end, these people are running on the government’s money. Therefore, this addiction is the worst addiction possible.
People’s physical health is destroyed when smoking. Common diseases such as asthma, lung cancer, gingivitis, bronchitis, lip disease and glue ear can be caused by smoking. Also, the majority of America is obese. If you think about it, smoke kills peoples’ lungs, making them unable to exercise as proficient as they would be able to without lung damage. You can jump to the conclusion that smoking causes obesity in peoples’ lives. Other physical problems include shortness of breath, lack of energy, bad concentration, stained teeth, premature wrinkles, nicotine stained gums, teeth and fingernails, damaged taste buds, and damaged circulation. Therefore, there are countless bad results of smoking.
Finally, I, personally, cannot stand the smell of a smoker. I can smell whether a person smokes or spends time with smokers. I have to hold my breath. I will burst into monumental coughing when I smell it. I don’t want anything happening to my lungs because of someone else. It’s not fair to me and it is repulsive. I get dizzy and lightheaded. I also feel like I’m about to pass out if I can’t avoid the smell. Now, this is just myself, personally. I have friends who feel the same way and do the same things. How many other people do you think go through the same thing?
In conclusion, smoking should be prohibited. The tax revenue America gets from tobacco companies isn’t fair. Everyone is affected by smoking. The smoke pollutes the environment and hurts the earth. Smoking can kill everyone, even innocent people who don’t smoke. This addiction can cause bankruptcy. The physical health of people can be destroyed by smoke and secondhand smoke. Finally, I feel as if I’m about to pass out when I smell a smoker. Please consider making smoking against the law.
Please also write if you do smoke or not.

Smoking has been proven not to add happiness to life. Also, smoking has been proved to harm people.
hecate wylde- What does your meal with annoying children have to do with killing others? I want to take this internationally. I despise smokers for the reasons I included in my article.
I do not care about the others who do drugs and drink. That doesn’t affect me. People doing these things is bad for themselves and does not hurt my body or health in anyway. If there is to be a car accident by a drunk driver, for all I know, that person wasn’t drunk, the accident was caused by something else.

About the taxes on cigarettes, it’s a reason to stop smoking. Every smoker there is in the world hurts me, and that’s not right and it’s unfair to me.

Yeah, I know the law changed recently, but are there any execptions to the law that made it harder to include school loans on a bankruptcy? What if the person filing bankruptcy either has a disability or has a low income? What type of strategies exist for having school loans included on a bankruptcy? Thanks

I’m 19yrs old, and on my 18th birthday I purchased 3 phones to help me establish my credit (1st mistake), the company I chose was Ampd mobile(2nd mistake). I payed my bills monthly via telephone(3rd mistake), but a year later I get a bill in the mail saying that i owed 3,33something dollars. I call and speak to a supervisor who mails me a “updated” bill because he said that he fixed the problem with it. THE BILL WAS THE SAME!! Now I am trying to get student loans to attend college and I can’t because of this, What to do?!!! How do I remove this false bill from my credit score. The MAN said my bill should have been at zero.

I am crying every night worrying because college is unattainable if I can’t remove this in time, or find a eligible cosigner. My family just filed for bankruptcy. So as of now I am SOL.

Please someone help, I’m a 2nd yr Political Science major with a Pre-Law track. This bill has messed me up!!!!