tag:blogger.com,1999:blog-13009336255475935492024-03-19T04:44:25.664-07:00Christopher Sean Mulvaney's BlogMulvaney Law Offices, PLLCChristopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.comBlogger44125truetag:blogger.com,1999:blog-1300933625547593549.post-20127932869535412972021-08-30T14:47:00.013-07:002021-12-24T13:33:54.824-08:00OUTLIERS By Malcolm Gladwell (2008)<div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><b>OUTLIERS By Malcolm Gladwell (2008)</b></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCXAZ4F9_WMyUgDAuCYEMs82uehnrDSDUTYCfNkWZtHF-JiaxGv-VLee7ksnnHDmwu2Stl7wYv1Ni1orIouBaeQazfQ_582VNk4xEBb9T7KOjNvBox-tbvh8oLx2mFE5xE4AXe44Jcy2eG/s120/outliers.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="120" data-original-width="80" height="120" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCXAZ4F9_WMyUgDAuCYEMs82uehnrDSDUTYCfNkWZtHF-JiaxGv-VLee7ksnnHDmwu2Stl7wYv1Ni1orIouBaeQazfQ_582VNk4xEBb9T7KOjNvBox-tbvh8oLx2mFE5xE4AXe44Jcy2eG/s0/outliers.jpg" width="80" /></a></div><br /><p><br /></p><p> <b><u>Adventure of Discovery of the Minds of Others</u></b>. Reading <a href="https://en.wikipedia.org/wiki/Malcolm_Gladwell" target="_blank">Malcolm Gladwell</a> is to be in the presence of a great mind, a great heart, and a great spirit. He goes beyond the intellectual stimulation for which he is so rightly famous, and shows real sensitivity to the human condition. I feel that Malcolm Gladwell cares about what I do with the insights he has given me. The insights themselves are a treat. The caring on top of that is surprising and delightful.</p><p>I would feel presumptuous in the extreme to write a book review of any of Malcom Gladwell's works. I would feel wholly inadequate to do a book report on any of his works. Instead, my attempt is to make notes on my experience of the adventure of discovery of the minds of others. In so doing, it is my hope to honor Mr. Gladwell by showing just how much his work made me think, feel, and get more in touch with my humanity.</p><p>Mr. Gladwell wanted to be a lawyer. He would have been an excellent lawyer (but it would have been a waste in the same way <a href="https://en.wikipedia.org/wiki/Eddie_Redmayne" target="_blank">Eddie Redmayne</a> becoming a lawyer would have been a waste). Understanding the view from the other side of the table is vital to lawyering. Getting into the mind of the opposing party, and opposing counsel, and understanding how they think and perceive the situation is an invaluable skill. Mr. Gladwell celebrates that skill. He is a master at play with that skill. It is beautiful to watch.</p><p><u> </u></p><p><b><u>What Leads to Success (and Failure)</u>. </b> Exploring some of the interactions between the extraordinary skills, brainpower, and work and other factors such as when a person was born within the year and when and where in the context of world events a person is born can yield surprising insights. As extraordinary as individual achievement can be, it always exists within a context. </p><p><i>In an <a href="https://www.youtube.com/watch?v=Upm9LnuCBUM" target="_blank">acceptance speech at the 1997 Emmy Awards</a>, Fred Rogers famously timed a group of entertainment industry elites for one minute while they thought about the people who loved them into being. The camera panned the faces in the audience as tears of gratitude began to flow. No matter how much ability we have or how hard we worked, other individuals (and societies past and present) play a role in our success. Truly appreciating what we have been given must involve concern for the distribution of chances for meaningful work that we have enjoyed and others have not.</i></p><p><i>I heard an interview of Randy Newman in which he talked about the musicians he knows who are much more talented than he is, but don't have anywhere close to the wealth and fame he enjoys. There is a beauty in the humility of Bill Gates when he says: "I was very lucky." He's brilliant and he worked terribly hard, but understanding that other talented people work very hard and get the tiniest fraction of the rewards.</i></p><p><b><u>Relative Age & Canadian Hockey</u>. </b> Mr. Gladwell tracks the birth month of Canadian Hockey Players to find that the largest majority are born in the first three months of the year and decrease to nearly nil by December 31st. Scholars call the trajectories of successful hockey players "cumulative advantage." The idea being that an elementary school student who is almost a year older than some peers gets selected early as more talented and given more opportunities to improve. A talented hockey player born at the end of December simply never will get those same opportunities, no matter how talented. Cumulative advantage over a decade surpasses any level of undeveloped talent. This has been called the <a href="https://en.wikipedia.org/wiki/Matthew_effect" target="_blank">Matthew Effect</a> from the biblical concept that the have's get more and the have nots have what little they have taken from them (<i>rich get richer; poor get poorer</i>). Wealth and income inequality is nothing new. A possible mitigator could be staggering the school year cutoff age so that for some it is January 1st and others it is July 1st.</p><p><i>I was born on July 7, 1968. I an not talented at sports, so being born in the second half of the year didn't make any difference for me. However, in part due to U.S. military involvement in Vietnam, 1968 as a "baby bust" year. The generation right behind mine, the Baby Boomers, is the largest generation in American history. MLK and Bobby Kennedy were both assassinated in 1968. 1974 was a peak year for divorce (that is the year my parent's divorced), which tends to be positively correlated with high unemployment and high inflation. I don't know the extent of these world events on me, but I did get a fresh perspective on how what age a person is when world events occur can make a big difference in opportunities (or risks). For example, my grandfather was born in 1901. He was too young for WWI (13) and too old for Korea (49). One of my mom's patient's at the VA Hospital in Spokane was in both WWI and WWII.</i></p><p><b><u>Opportunties Can Arise for One Generation; then Disappear</u>. </b> Drivers of wealth creation change over time. What was once a leading industry evaporates. At one time wool was a huge industry in which great fortunes were made. Nobody goes into wool to get rich today. Cotton was once "King" creating fortunes (and misfortunes) that still reverberate through society today. Nobody goes into cotton to get rich today. Ditto Railroads. The largest accumulations of wealth in the world today tends to be clustered around <u>Extraction</u> (Oil, Gas, Coal, Metals & Minerals), <u>Sale of Goods</u> (Amazon, Walmart, Mars Candy, Fashion), and <u>High Tech & Information</u> (Apple, Google, Microsoft, Facebook, Amazon). Extraction has such high barriers to entry that it is old money predominantly. The new money is is tech and sales. So, it matters a lot if you were born in 1935 or 1955.</p><p><b><u>Cultural Legacies (Past & Present</u>.</b> It is a little easier to get my head around the idea the culture in which a person grows up may tend to provide some advantages and some disadvantages. Getting used to the idea that how my ancestors lived centuries ago may be affecting me now is tougher, but Mr. Gladwell makes a compelling argument.</p><p><b><u>Asian Culture May Be of Benefit Understanding Math; But May Be Some Detriment in Communication Between Aircraft Pilots</u>.</b> I never thought about the words used to represent numbers as having a bearing on the understanding of numbers, but they clearly do. Since Cantonese has such short words for numbers, many Chinese people have no difficulty remembering a string of ten digits. Most Americans struggle to do so. I didn't know that Chinese numbers were the English equivalent of "ten-one,""ten-two,""ten-three,"4,6,6,7,8,9. No fifteen. Ten-Five. Adding ten-one to ten-three is 2ten-four (24). For fractions the English equivalent is "out of five parts; take three" instead of 3/5. Having more intuitive descriptions for mathematical concepts appears to be a durable advantage. There may be other advantages as well creating extraordinary cumulative advantage over time.<br /></p><p><i>I was born in the village of Kwangju, South Korea, but I only lived there for a year before returning to the U.S. in 1969. I know little of the culture. I do remember reading an opinion piece in the Peace Corps newsletter from 1968 titled: "Why Do They Hate Us?." The thinking was that it was because the relatively affluent Americans would leave after a couple of years and they would remain with their relatively difficult lives. Now, that "village" has been subsumed by metropolitan Seoul, one of the largest cities in the world at over 25 million. We have different groups that hate us for different reasons.</i></p><p>Korean culture is hierarchical. It is based on subordinates hinting rather than expressing preference, rather than query, rather than suggestion, rather than objection, rather than command. Psychologists use something called the <a href="https://en.wikipedia.org/wiki/Power_distance" target="_blank">Power Distance Index (PDI)</a> to measure the continuum from individualism to collectivism. Not surprising, America ranks high on the individualism scale and Korean culture ranks high on the collectivism scale. The worldwide language of air traffic is English. With English comes the bias in favor of more directness (that is putting it mildly in the case of LaGuardia). So, a navigator or co-pilot who isn't speaking up to the Captain out of fear of being insubordinate can and did cause Korean Air crashes. The safety record has been much improved through conscientious application of Aviation English and its concomitant bias in favor of speaking up. It was the awareness of the cultural bias in favor of extreme deference to superiors as the issue causing the crashes that made the difference. Assertiveness can be learned even if it isn't something a person grew up practicing.</p><p><br /></p><p><u><b>Honor Cultures & Rice Paddy Cultures</b></u>. <i>When I visited Ulster in Northern Ireland and saw the red hand monument and heard the bad ass story about the cutting off of the hand and throwing it ashore to be the first to touch land and claim it, I was taken aback by the testosterone that seemed to be showering all around.</i></p><p><i>I remember thinking about the seeming insanity of both<a href="https://en.wikipedia.org/wiki/Alexander_Hamilton" target="_blank"> Alexander Hamilton </a>and his son dying in duels. I didn't know that these were the hallmarks of honor cultures. Perhaps because I am descended from poor Irish potato farmers, I can't relate to the ancient blood feuds of the <a href="https://en.wikipedia.org/wiki/Characters_in_Romeo_and_Juliet" target="_blank">Capulets and Montagues</a> or the <a href="https://en.wikipedia.org/wiki/Hatfield%E2%80%93McCoy_feud" target="_blank">Hatfields and McCoys</a>. </i><br /></p><p>Mr. Gladwell explains that a herding culture on hard scrabble land of marginal productivity is very different from a Rice Paddy Culture. A herd of sheep, or goats, or cows, can be stolen ("rustled"). A rice crop cannot. Growers of rice need cooperation for harvest. They do not need to be intimidating. <a href="https://en.wikipedia.org/wiki/Niccol%C3%B2_Machiavelli" target="_blank">Machiavelli</a> said, "While it is preferable to be loved; if one cannot be loved - it is much safer to be feared." It is with this backdrop that the killing in the Southern United States today starts to make sense. People are killing people they know because of a disagreement, adultery, or a threat to "honor" of some kind.</p><p><b><u>10,000 Hours to Gain Expertise</u></b>. Mr. Gladwell is famous for exploring the idea that it takes 10,000 hours to become expert at something, anything - regardless of talent. Bill Gates is a talented computer programmer. He had far beyond 10,000 hours (and over 10 years of experience) by the time he dropped out of Harvard. Even Mozart arguably didn't produce a work of truly lasting significance until after he had been composing for 10 years.</p><p><i>After graduating Law School in 2002 I worked for law firms for five years until 2007. 2,000 hours per year for 5 years is 10,000 hours. So, in my personal case, even though I had not heard of the 10,000 rule, I judged that I had gained enough expertise to "<a href="https://en.wiktionary.org/wiki/hang_out_one%27s_shingle" target="_blank">hang out my shingle</a>" after that amount of time.</i></p><p><i>I worked in a Plaintiff's litigation firm, a family law firm, an insurance defense firm, and an estate planning and probate firm during those years. In Law School I did an internship in Criminal Defense. I had a client call me crying because her x-husband sold their house and she didn't get her share of the proceeds. I asked her in she recorded the Divorce Decree, the Judgment in her favor for half the home equity. She said no because she didn't know she had to do so. Since I practiced divorce and had the experience from estate planning regarding deeds, I would never make that mistake.</i></p><p><i>My experience in litigation gives me insight into how Creditor's Lawyers approach suing Debtors. I encourage clients to think about the <a href="https://www8.gsb.columbia.edu/researcharchive/articles/11729" target="_blank">view from the other side of the table</a> so to speak. Debt is an asset to be sold. Judgments accrue 12% interest. So, waiting to collect on debt is the equivalent of letting crops mature to harvest. Harvest needs to be as quick and inexpensive as possible because delays cut into profits and incur "<a href="https://en.wikipedia.org/wiki/Opportunity_cost" target="_blank">opportunity costs</a>" because time spent calculating your balance due that you may never pay is time that could be spent making money from someone else. Litigators who bill by the hour don't make money settling debts. They have a disincentive for doing so.</i></p><p><i>My experience in Divorce Law in Las Vegas taught me that there is a <a href="https://en.wikipedia.org/wiki/Conflict_of_interest" target="_blank">conflict of interest</a> between a lawyer billing $500 an hour and a client who wants to efficiently extricate themselves from a bad marriage. Such lawyers have a disincentive regarding amicable settlement and would certainly never entertain the notion of an uncontested divorce by mail, which is available in Lincoln County Washington for all Washington State residents.</i></p><p><i>My experience in Insurance Defense taught me that law can be as dull as watching paint dry and unethical to boot. A firm of a dozen lawyers had the objective of billing the insurance company (AIG) as many hours over 8 hours a day per lawyer as possible. AIG did not simply state that overtime must be authorized in advance. Instead they let the meter run while the partner talked on a cell phone while driving to a deposition billing .2 (twelve minutes) for every conversation no matter how short. Thus, an hour of drive time could be billed for three hours. This reminded me of the joke about the lawyer asking Saint Peter at the Pearly Gates why he died so young. Saint Peter replied that his billable hours indicated that he would have to be at least 150 years old.<br /></i></p><p><i>I saw an ad in the back of the Nevada Bar Journal the likes of which I had not seen before, and have not seen since, for a commission only lawyer (25% of all billing). After working the job for 6 months I knew why. I didn't need the Managing Partner. I could go out on my own - and did. I made more than my salary working for firms. The Managing Partner just got on the panel for a legal insurance provider, even though he had been practicing for 15 years. Since he didn't know anything about it, he put me in charge of learning the insurance rules and interacting with the insurance provider. I thank him for that to this day because I have made well over $1 million dollars over the years from legal insurance.</i></p><p><u><b>Stay in School</b></u>. My mom always told me to stay in school (and I did though my Masters Degree and my J.D.). As a "latchkey kid" of a single parent mom, I could really related to what Mr. Gladwell explored regarding research into how much kids learn during the school year, and how much they learn over the summer. It turns out that the most affluent kids learn a tremendous amount more over the summer than the least affluent kids. This was certainly true of me. Waiting to see if my dad would take me somewhere and do something with me was not the best use of time.</p><p>American schools have a 180-day school year; Japanese schools have 243. The <a href="https://www.kipp.org/" target="_blank">Knowledge is Power Program (KIPP)</a> in the South Bronx with a year round schedule is what I needed growing up. I needed a sense that I was worth investing in. I needed to believe that if I got up early and worked hard and talked with people, I would belong - and have a bright future.</p><p><u>Serenity Prayer</u>. Pray for the wisdom to know the difference between what we can change and what we cannot. Up until this point, the discussion of success has concerned things we cannot change about ourselves - our birth month, our birth year, our current culture, or the culture of our ancestors. However, we have a chance of transforming our relationship to work if we appreciate these influences and become more skilled at adapting to our environment. </p><p><i>I enjoyed target practice archery as a young person. One of the things you need to pay attention to is even the slightest breeze. If you are not aware of it and don't make adjustments you could completely miss the target. We can't change when or where we were born or who our ancestors were, but we can be more aware of the influences these things may be having on us. We can make adaptations and guage whether they are useful or maladaptive.</i></p><p><br /></p><p><br /></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-1708580362040675752021-08-26T12:49:00.005-07:002022-05-11T19:52:47.036-07:00ESTATE PLANNING FOR YOUNG PEOPLE<p> Age 18 is referred to as the "<a href="https://en.wikipedia.org/wiki/Age_of_majority" target="_blank">age of majority</a>" in the United States and much of the rest of the world. This means that on your 18th birthday you receive <a href="https://en.wikipedia.org/wiki/Operation_of_law" target="_blank">by operation of law</a> the right to:</p><p>1. Open a bank account under your own name and social security number only;</p><p>2. Obtain a credit card;</p><p>3. Vote;</p><p>4. Purchase real estate or stock in your own name only;</p><p>5. Open a 401(k), IRA or Roth IRA;</p><p>6. Sign contracts enforceable against you;</p><p>7. Sign a Revocable Living Trust;</p><p>8 Sign Powers of Attorney for Finances & Health</p><p>9. Sign Living Wills;</p><p>10. Sign Transfer on Death Deeds;</p><p>11. Sign a Last Will & Testament; </p><p>12. To marry without parental consent; and</p><p>13. To file a Tax Return in your own name and social security number.</p><p><br /></p><p>That is a lot of rights and responsibilities to get all in one day. </p><p>Practicing in the areas of Bankruptcy and Estate Planning, I see young people who get into trouble with debt early in their lives, which could have been avoided through education about finances and credit. </p><p>I see young people who get into trouble with the IRS and the Washington State Department of Revenue because they didn't understand the Business & Occupation Tax or deductions.</p><p>I see young people who don't know how to balance a checkbook and don't look at their bank statements.</p><p>I see young people who don't vote.</p><p>I see young people who don't file tax returns (or who file them improperly and don't keep records).</p><p>I see young people who don't begin modestly saving and investing for retirement.</p><p>I see young people who don't know that they have the right to have a Separate Property Revocable Living Trust, to keep property separate during marriage (and after divorce, if applicable), and to receive separate gifts and inheritance during marriage. I see young people who don't know that because their Trust becomes irrevocable if they die, their children are protected from disinheritance if a spouse remarries.</p><p>I see young people who don't know that they have the right to name health care agents who have the right to access (or those who don't have the right to access) their health care information and talk to their health care providers (Universities often require this, which is the impetus for many young people's parents contacting me).</p><p>I see young people who don't know that they have the right to name an agent to sign checks and contracts for them if they are not able to do so for themselves thereby negating the need for a Guardianship Proceeding (Understanding this right also gives young people a better understanding of how to act as their parents' agent and care for them when the time comes).</p><p>I see young people who don't know that they have the right to authorize a health care agent to pull the plug on life support, remove a feeding tube and remove IV fluid or not (and that their parent's have the same right and that they may be called upon to carry out their parent's wishes).</p><p>I see young people who don't know that they have the right to avoid probate on any real estate in Washington with a Transfer on Death Deed with a step up in cost basis to the date of death value (and that their parents have the same right which can save them thousands of dollars, 6 months or more of Estate administration time, and avoid public disclosure to the Court).</p><p>I see young people who don't know that a Will requires a Court and the associated cost, time, and public disclosure or that Probate does not require a Will.</p><p>I see young people who know they can marry, but don't understand the value of talking about financial issues in advance and the value of being organized to reduce anxiety and increase a sense of being in control of one's life. I see young people who don't know they can keep gifts and inheritance separate during marriage, but that if commingling with community property occurs that separate character may be lost.</p><p><b><u>Conclusion</u></b>. The point is that because I have seen all of these things, I feel an obligation to help reduce the difficulties that can occur as a result. Young people who have some financial and legal sophistication early in their lives are less likely to get into debt problems, more likely to save for retirement, more likely to vote, more likely to correctly file tax returns, more likely to do their own estate planning, more likely to take better care of their parents when needed and to administer their Estate when needed without disputes, and are more likely to encourage their own kids to obtain the same kind of financial and legal sophistication that benefitted them in their lives.</p><p>Peace and harmony through generations of families can be promoted by having a common basis of knowledge and values. Communicating with each other about these issues is intended to promote strength and resilience in families so that if a family member is in a coma or dies, the rest of the family doesn't argue and fight, but instead experiences increased gratitude, compassion, and kindness. All of us face sickness and death. It is how we respond individually and collectively that defines who we are. Is who we are who we want to be? If not, there are things we can do together to learn and grow.</p><p><br /></p><p><br /></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-43174234790812903302021-08-25T13:45:00.004-07:002022-05-11T19:52:55.335-07:00UNMARRIED PARTIES BUYING A HOME TOGETHER<p><span style="font-size: medium;"> </span><span style="font-family: georgia;">When unmarried people buy a home together several issue tend to arise.</span></p><p><span style="font-family: georgia;">1. <b><u>How to Take Title at Purchase</u></b>. Most married people take title as Joint Tenants with Right of Survivorship so that if one spouse dies, the surviving spouse owns the home. Unmarried people can do the same, or they can hold title in the default way for unmarried people, which is Tenants in Common. That means each can pass their undivided one half interest to their heirs (which may or may not be their Partner). Unmarried people may also choose to take title in some other percentage other than 50/50 such as 60/40 to account for unequal contributions to mortgage payments and/or down payment.</span></p><p><span style="font-family: georgia;">2. <b><u>Changing Title After Purchase</u></b>. Parties can record a Quitclaim Deed to themselves or their Trusts or LLC's or others after purchase. Typically, no Real Estate Excise Tax is due for doing so because no payments are being made. <span style="color: red;">**WARNING**</span> Changes in title do not affect Promissory Note obligations. Doing so requires a refinance or sale. This can create a risk if the relationship ends and one party signs and records a Quitclaim Deed to the other. If both Parties signed the Promissory Note, then a Default occurring years in the future will be entered on the credit reports of both Parties even if one Party hasn't owned the property for a decade or more.</span></p><p><span style="font-family: georgia;">2. <b><u>How to Address Unequal Down Payment Contributions</u></b>. A Promissory Note and Deed of Trust can be signed in favor of one party who contributes more down payment than the other. Interest is permitted, but not required. The balance needs to be paid if the property is refinanced or sold. Then the net proceeds are divided according to the percentage ownership of those on title to the property.</span></p><div style="text-align: left;"><span style="background-color: white;"><span style="font-family: georgia;">3. <b><u>Agreements Regarding the Purchase</u></b>. Agreements regarding property purchases are subordinate to other aspects of the transaction such as how title is taken, promissory notes, and deeds of trust. Such agreements also typically include language regarding rights if one party passes away or if the relationship ends. Because of this, I have found that by far the best and most complete way to address the issues is within the context of estate planning for both parties. </span></span></div><div style="text-align: left;"><span style="background-color: white;"><span style="font-family: georgia;"><br /></span></span></div><div style="text-align: left;"><span style="background-color: white;"><span style="font-family: georgia;">4.<b> <u>Estate Planning & Home Buying</u></b>. </span></span><span style="background-color: white; font-family: georgia;">Buying a home and estate planning go hand in glove and are frequently paired. One reason is that </span><span style="background-color: white; font-family: georgia;">a Transfer on Death Deed for the home is part of the Estate Plan. Another part is the Powers of Attorney for Health and Living Wills, which are especially important for unmarried Parties who otherwise may not be able to talk with doctors about each other's care.</span></div><div style="text-align: left;"><span style="background-color: white; font-family: georgia;"><br /></span></div><div style="text-align: left;"><span style="background-color: white; font-family: georgia;"><b><u>Conclusion</u></b>. By doing an Estate Plan for each Party and understanding what public records cannot be altered by private agreements, the Parties can get a much richer understanding of what they are doing and hopefully avoid pitfalls and disputes.</span></div>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-61718409438919548292021-08-23T19:26:00.010-07:002022-05-11T19:53:22.000-07:00BLINK By Malcolm Gladwell (2005)<p><b></b></p><div class="separator" style="clear: both; text-align: center;"><b>BLINK By Malcolm Gladwell (2005)</b></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghyphenhyphenFTDp9o0zm_pI2BmN_TQxYZXUFrpnNfN7KbjIEz-KPuKDrxkUDV51qEl2pJEDomu_YDFDWW-tpc7qpuacXmihlwWOCcxypMD1wKJHQTUZfQTfYuHHWhiiFQTYuuzTvBcnZiIZp90fPPT/s120/blink.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="120" data-original-width="80" height="120" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghyphenhyphenFTDp9o0zm_pI2BmN_TQxYZXUFrpnNfN7KbjIEz-KPuKDrxkUDV51qEl2pJEDomu_YDFDWW-tpc7qpuacXmihlwWOCcxypMD1wKJHQTUZfQTfYuHHWhiiFQTYuuzTvBcnZiIZp90fPPT/s0/blink.jpg" width="80" /></a></b></div><b><br /><u><br /></u></b><p></p><p><b><u>Adventure of Discovery of the Minds of Others</u></b>. Reading <a href="https://en.wikipedia.org/wiki/Malcolm_Gladwell" target="_blank">Malcolm Gladwell</a> is to be in the presence of a great mind, a great heart, and a great spirit. He goes beyond the intellectual stimulation for which he is so rightly famous, and shows real sensitivity to the human condition. I feel that Malcolm Gladwell cares about what I do with the insights he has given me. The insights themselves are a treat. The caring on top of that is surprising and delightful.</p><p>I would feel presumptuous in the extreme to write a book review of any of Malcom Gladwell's works. I would feel wholly inadequate to do a book report on any of his works. Instead, my attempt is to make notes on my experience of the adventure of discovery of the minds of others. In so doing, it is my hope to honor Mr. Gladwell by showing just how much his work made me think, feel, and get more in touch with my humanity.</p><p>Mr. Gladwell wanted to be a lawyer. He would have been an excellent lawyer (but it would have been a waste in the same way <a href="https://en.wikipedia.org/wiki/Eddie_Redmayne" target="_blank">Eddie Redmayne</a> becoming a lawyer would have been a waste). Understanding the view from the other side of the table is vital to lawyering. Getting into the mind of the opposing party, and opposing counsel, and understanding how they think and perceive the situation is an invaluable skill. Mr. Gladwell celebrates that skill. He is a master at play with that skill. It is beautiful to watch.</p><p><u> </u></p><p><u><b>Snap Judgements & the Adaptive Unconscious.</b></u> Slowing down facial expressions and speech into thin slices of time, fractions of seconds, can reveal evidence of the activity of the unconscious mind. The unconscious mind is like a peculiar kind of locked door, always making implicit associations like sounds coming from behind the locked door. We cannot access what is behind the door directly. However, some evidence of what is going on behind the door does appear in our faces and behavior if we know how to look. Studies show that the face is not just exhibiting what the brain is feeling, moving the face changes how we feel and respond as well. Put a pencil between your teeth forcing you to smile and pay attention to what changes in your mood and reactions.</p><p>The activity of the unconscious mind can be influenced by experiences. For example, scientists have developed an <a href="https://en.wikipedia.org/wiki/Implicit-association_test" target="_blank">Implicit Association Test</a> (IAT) which measures how long it takes to arrange certain words. Watching the Olympics, for example, is enough to improve positive black word association times. </p><p><i>I am a 6'5" tall white man. I have been enjoying positive implicit associations my whole life. As a middle aged person, I am balding, wear glasses, and have a bit of a gut - which all carry negative implicit associations. The sweet bird of youth has flown away and left a bit of poop.</i></p><p><i>I am afraid to let the psychologist with the 95% accuracy of predicting divorce within 15 years by carefully observing one hour of conversation about issues that arise in marriage such as pets. </i></p><p> Thin slices of time reveal contempt (the leading indicator), criticism (generally favored by women), stonewalling (generally favored by men) & defensiveness. </p><p><i>I couldn't help but wonder if videotaping and slowing down interviews with suspected criminals and terrorists would reveal much more than torture. Coupled with measuring brain waves that indicate recognition of a photograph (or non-recognition) could reveal more than a person may be willing to tell under any circumstances.</i></p><p>A touching story for me was of female classical musicians who were hired for orchestras when they auditioned behind a curtain, but not hired when they weren't. One woman had been a substitute in the Orchestra. They already knew her, but they didn't know how good she really was until they heard her without seeing her. </p><p><i>This is the premise of the television show, the Voice. Judges are turned with their backs to the singer and they listen before turning around. The surprises are wonderful.</i></p><p>A downside of rapid cognition is "stickiness," which is the resistance to change of first impressions under the weight of overwhelming evidence to the contrary. For example, Warren G. Harding was known for being strikingly good looking. He looked "Presidential." He is regarded as one of the worst U.S. Presidents. Sometimes rapidly assessing and adapting to people and surroundings unconsciously is useful. Sometimes we need to Think and not just Blink.</p><p><b><u>Rule of Agreement</u>.</b> There is a structure for spontanaity. In improvisation, assuming everything the other person says is true and never contradicting it can produce hilarious situations. </p><p><i>In Law School, professors tell students to "not fight the hypothetical." Just assume it's all true and move forward. I practiced some DUI defense as a legal intern before I was licensed. The rule was to not just assume that every word of a cops affidavit was true, but to also lay the foundation regarding the training and excellence of the officer in including everything in the affidavit. Never contradict a police affidavit. One lawyer explained that there was "no cheese down that hole." Once wedded to the affidavit, work with any inconsistencies or omissions to get the results the Defendant wants.</i></p><p><b><u>To Understand the Paradigm is to Understand its Weaknesses</u>.</b> Behavior flows from a mental model or worldview. The stronger you get in some areas, the more vulnerabilities arise in others. For example, superior military technology, information, numbers and lethality creates opportunities that can be exploited. Improvised Explosive Devices (IED's) (including airplanes) and communication by motorcycle courier are examples of how smaller forces can punch high above their weight class. The scenario is old, old, old. Native American fighting techniques were used successfully against formal British musket volleys in open fields. Guerilla tactics were used against the United States in Vietnam and Afghanistan. David used a sling and stone to kill Goliath, which was the equivalent of using a .45 against someone with a knife.</p><p><b><u>If You Want to Know What Someone Likes; Don't Ask Them</u>.</b> People have a tendency toward the familiar. When asked if they like something they haven't seen prior, most people simply say no. Overcoming this initial hesitation can lead to surprising leaps of growth and unexpectedly wonderful experiences.</p><p><i>For example, when I first heard of a show about the manufacture of methamphetamine, I thought there is no way I am watching that. It sounds horrible. My wife's family has members who are meth addicts. Her uncle used to make meth in her grandmother's garage in Las Vegas. However, from the first episode of <a href="https://en.wikipedia.org/wiki/Breaking_Bad" target="_blank">Breaking Bad</a>, Vince Gilligan and Brian Cranston (among others) immersed me in a compelling world of a mid-life crisis from multiple points of view.</i></p><p><b><u>Expert Opinion v. Public Opinion</u>.</b> Like a Venn Diagram, critics and viewers assessments sometimes overlap - and sometimes do not. Failure to get beyond initial reactions can limit growth. If you trust a critic or a friend possibility emerges. <i>For example, when I heard the premise of <a href="https://en.wikipedia.org/wiki/Schitt%27s_Creek" target="_blank">Schitt's Creek</a> I thought there is no way I am watching that, it sounds stupid. However, a pediatrician friend for whom I have enormous respect said I should give it a chance. I did. I was surprised to find myself caring about characters I didn't think it was possible to care about. So, <u><b>Blink, then Think</b></u>, and give yourself time to see if reevaluating your first impression can lead somewhere unexpectedly wonderful.</i></p><p><b><u>Heart Rate Awareness</u>.</b> I didn't realize that I was a different person with a heart rate above 175 bpm. If police had heart rate monitors that alarmed at 175 bpm mistakes could be reduced and lives saved. That is why many jurisdictions have banned high speed chases. Rodney King was beaten after a high speed chase. Judgment is adversely affected with a heart rate above 175 bpm. </p><p><i>We all make choices that lead to situations in which our Judgment is impaired. Once we are in the situation with a sky high heart rate - it is too late. We need to think about the lead up to the situation. Lawyers are a bit like cops in that the presence of either raises the stakes. Like ringing a bell, the appearance of a lawyer or a cop cannot be unrung. We can make things worse just by being there. Knowing this, we can tread lightly and first, do no harm. We can manage our own heart rates because a high heart rate can be as contagious as Covid, leaping from person to person until the whole group is infected.</i></p><p><b><u>Conclusion</u></b><i>. </i>Understanding that a first impression is just that, the first of subsequent impressions can lead us to give the proper weight and utility to those rapid cognitive which in turn contrasts with the situations in which the weight and utility of slower deliberative thought is preferred. <a href="https://en.wikipedia.org/wiki/Turn!_Turn!_Turn!" target="_blank">To everything there is a season</a>. Knowing what season it is and dressing appropriately makes all the difference.</p><p><i>Sometimes my wife will ask me why I am dressed warmly on a sunny day. I tell her that I am dressing for my internal weather. My mind is sometimes cold when my body is warm. Better matching of my internal and external weather means people won't so readily see when I am a little out of step. Thinking long and hard when it is not beneficial (and can even increase risk) and rapid cognition would be preferred is out of step. As is not thinking long and hard about snap negative judgments that may be completely wrong and not at all consistent with reality.</i></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-68725721842859198682021-08-23T11:17:00.007-07:002022-05-11T19:53:35.854-07:00THE TIPPING POINT By Malcolm Gladwell (2000)<p><b></b></p><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglnHqqFKQqFBZnItfnvUM9GIjfIYijttA_Qrc6or4YYypdmiO5jBN-nLKq0-7Hjxj5YQx8aZfidAdcjgDxmgZi7MNQKMnYvDKdIfA7hk-K5_rN6RDhzCUyAY5lVmTdOtOKXSTD3DEsbd3r/s120/tippig+point.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="120" data-original-width="80" height="120" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEglnHqqFKQqFBZnItfnvUM9GIjfIYijttA_Qrc6or4YYypdmiO5jBN-nLKq0-7Hjxj5YQx8aZfidAdcjgDxmgZi7MNQKMnYvDKdIfA7hk-K5_rN6RDhzCUyAY5lVmTdOtOKXSTD3DEsbd3r/s0/tippig+point.jpg" width="80" /></a></b></div><b><br /><u><br /></u></b><p></p><p><b><u>Adventure of Discovery of the Minds of Others</u></b>. Reading <a href="https://en.wikipedia.org/wiki/Malcolm_Gladwell" target="_blank">Malcolm Gladwell</a> is to be in the presence of a great mind, a great heart, and a great spirit. He goes beyond the intellectual stimulation for which he is so rightly famous, and shows real sensitivity to the human condition. I feel that Malcolm Gladwell cares about what I do with the insights he has given me. The insights themselves are a treat. The caring on top of that is surprising and delightful.</p><p>I would feel presumptuous in the extreme to write a book review of any of Malcom Gladwell's works. I would feel wholly inadequate to do a book report on any of his works. Instead, my attempt is to make notes on my experience of the adventure of discovery of the minds of others. In so doing, it is my hope to honor Mr. Gladwell by showing just how much his work made me think, feel, and get more in touch with my humanity.</p><p>Mr. Gladwell wanted to be a lawyer. He would have been an excellent lawyer (but it would have been a waste in the same way <a href="https://en.wikipedia.org/wiki/Eddie_Redmayne" target="_blank">Eddie Redmayne</a> becoming a lawyer would have been a waste). Understanding the view from the other side of the table is vital to lawyering. Getting into the mind of the opposing party, and opposing counsel, and understanding how they think and perceive the situation is an invaluable skill. Mr. Gladwell celebrates that skill. He is a master at play with that skill. It is beautiful to watch.</p><p><u> </u></p><p><b><u>Finality</u>.</b> When is there no turning back? In sports there are referees and reviews and acceptance even if disagreement about the call remains. Acceptance of incarceration of innocent people should never be accepted. What is the tipping point for the finality of criminal judgments? If preserving the systems means innocent people spend decades in prison or are executed, then that is not a system worth preserving.</p><p><b><u>Connectors</u>.</b> <u>The Law of the Few</u>. The idea is that people who have a lot of acquaintances matter to to society. That is why so many companies attempt to capitalize on "influencers." <i>My wife is an Elite Yelper. I am her plus one at gatherings in which business attempt to make a favorable impression on people who are known for writing insightful Yelp reviews that people read and respond to.</i> </p><p>It is not a secret that most jobs are obtained via word of mouth. What is interesting is the high percentage of job connections that come from acquaintances rather than even casual friends.</p><p><i>At North Central High School in Spokane, Washington a classmate I barely knew told me that he was moving on from his part-time job at The Outdoor Press (A fishing and hunting publication) and that I should apply. I was the Editor of the school newspaper (because a friend was on the staff and he said he wanted me to join). When I did the "interview" I learned that the Publisher was on the North Central News staff when he was in high school, had read what I had written and already decided to hire me. I worked there for 4-1/2 years, all through college.</i></p><p><i>Also in high school, s</i><i>omeone told me that she was auditioning for a play after school and that I should too. I ended up getting the part and being in two more plays at Civic Theater after graduation.</i></p><p><i>At Gonzaga Law School, a third year student I did not know told me that he was ending a internship that was a great experience and that I should apply. I did and it ended up being one of the richest most transformative experiences of Law School.</i></p><p><i>Someone told me that one of the best ways not to feel down was to volunteer. I volunteered at Consumer Credit Counseling Center for 3 years and ended up working there before Law School.</i></p><p><i>I also volunteered for <a href="https://en.wikipedia.org/wiki/AmeriCorps_VISTA" target="_blank">Americorps*VISTA</a> (Volunteers in Service to America) in a Welfare to Work program during the Clinton Administration. Americorps had an education award at the end that I used to get a Masters Degree in Organizational Leadership at Gonzaga. As electives, I got to take UCC9 and Bankruptcy in the law school even though they were 2nd year law school courses. The professor told me that grading was by number, so he wouldn't know who I was, and I could fail. I studied really hard and got a B minus. This was more meaningful to me than any A I ever received.</i></p><p><b><u>Mavens</u>.</b> These are people who just have to share their knowledge. Sharing is it's own reward. I helped a couple of people file bankruptcies before law school. I helped people with debt and taxes and getting a GED. I would help people navigate their way through the legal and financial system for free if I could. I could relate to Ashton Kutcher when he said that he makes the movies for free, what they are paying him for is promotion of the movies.</p><p><b><u>Sales Persons</u>.</b> I am a terrible sales person. When I travel around the Country I see an Edward Jones in every small town. I can't help but think that if you made a graph of returns of the very low load S&P500 Index Fund and the proprietary Edward Jones Funds with their higher load included, you would likely see that most of the funds are not beating the S&P500 Index Fund by more than the additional load. Yet, they are everywhere because of sales people.</p><p>Studies have shown that black males in particular are quoted higher prices than white males. A successful sales person in Chicago is aware of this and deliberately quotes everyone the same starting price for a particular vehicle, and assumes that everyone has an equal chance of buying a vehicle. The result is that about a third of sales come from referrals. Unconscious bias is still there, but disciplined practices minimize interference.</p><p><i>As a lawyer, I struggle with what to charge (that is one reason why I like legal insurance so much). I don't understand why some lawyers are so arrogant. A lot of what lawyers do isn't worth very much. Some of the most lucrative activities of lawyers (such as Personal Injury) are in areas in which other countries like Sweden that do not have a PI industry at all have just as safe a society as ours at a tiny fraction of the cost.</i></p><p><b><u>Context</u>.</b> In the 1980's I saw a shopkeeper picking up crack vials with a snow shovel in Hell's Kitchen. Human behavior can be dramatically impacted by environmental factors such as graffiti, panhandling, and subway fare jumping. That is what New York City discovered before <a href="https://en.wikipedia.org/wiki/Rudy_Giuliani" target="_blank">Rudy Giuliani</a> slid into cartoonishness.</p><p>The <a href="https://en.wikipedia.org/wiki/Fundamental_attribution_error" target="_blank">Fundamental Attribution Error (FAE)</a> is the mistake of thinking that character is unified and all encompassing rather than understanding that character is situation dependent to large degree. Physical space and how it is organized matters.</p><p><b><u>Stickiness</u>.</b> This refers to the lasting quality of messages. Tone and resonance are elusive. How do we make the meaning of what we say memorable?</p><p><b><u>Groups</u>. </b> 150 seems to be the number of working relationships that above which quality of connection deteriorates. Successful companies have divided themselves up into such groups with Connectors between the groups such that some people are members of two groups. Mental space and how it is organized matters. It may even be the case that the human brain developed the way it did in response to the value of cooperation and living in relationship with others.</p><p><i><b><u>Almost Getting Mugged on the Subway</u>.</b> Years ago in Manhattan a man threatened to rob me on the subway. I was so scared that I didn't know what to do, so I pulled the red cord that was hanging above me. It turns out that this was the brake and that someone has to come back to the car in order to release it so the train can move again. I did not know that, but it turns out that was the express way of getting to the tipping point of preventing the robbery. Most tipping points are much slower (like climate change for example). If we understand concepts like the idea that after about $75,000 per year, the law of diminishing returns sets in with more income and eventually more income becomes negative for quality of life. Why do we keep going with more of the same when the results are so much different between $55,000 and $75,000 and $75,000 and $95,000 for example?</i></p><p><u><b>Conclusion</b></u><i>. </i>Change, like <a href="https://www.cliffsnotes.com/literature/p/the-prince/summary-and-analysis/chapter-8" target="_blank">cruelty</a>, often happens suddenly and all at once, but has a long buildup prior to happening. Understanding the buildups better can make disappointing surprises less frequent. We can also attempt to create the breaking points for change that are convenient and beneficial for society. This seems especially important when allocating taxpayer funds. There is a funding allocation under which the desired results will not occur, a point where they will, and a point after the tip when additional spending makes little difference. Billions could be saved and society much improved by continually refining our understanding of the concept of the tipping points for various desired changes in society.</p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-77489441331584221682021-08-18T11:06:00.013-07:002022-05-11T19:53:47.689-07:00WHAT THE DOG SAW By Malcolm Gladwell (2009)<p><b></b></p><div class="separator" style="clear: both; text-align: center;">WHAT THE DOG SAW By Malcolm Gladwell (2009)</div><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnEkb97E1k_b45wrHXVki1R0bjYGAJVADIGxI2A25oGFCuREa5sorF7ayDTUTjUHTVcJ1Ab_kwmsE9H2MW3mNV3a14A9U7LuS7zDnk0Y1Wv6K-sXFEdDqk-gZ5px_g1y1QcaCqzGT3ls6T/s120/dog+saw.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="120" data-original-width="74" height="120" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnEkb97E1k_b45wrHXVki1R0bjYGAJVADIGxI2A25oGFCuREa5sorF7ayDTUTjUHTVcJ1Ab_kwmsE9H2MW3mNV3a14A9U7LuS7zDnk0Y1Wv6K-sXFEdDqk-gZ5px_g1y1QcaCqzGT3ls6T/s0/dog+saw.jpg" width="74" /></a></b></div><b><br /><u><br /></u></b><p></p><p><b><u>Adventure of Discovery of the Minds of Others</u></b>. Reading <a href="https://en.wikipedia.org/wiki/Malcolm_Gladwell" target="_blank">Malcolm Gladwell</a> is to be in the presence of a great mind, a great heart, and a great spirit. He goes beyond the intellectual stimulation for which he is so rightly famous, and shows real sensitivity to the human condition. I feel that Malcolm Gladwell cares about what I do with the insights he has given me. The insights themselves are a treat. The caring on top of that is surprising and delightful.</p><p>I would feel presumptuous in the extreme to write a book review of any of Malcom Gladwell's works. I would feel wholly inadequate to do a book report on any of his works. Instead, my attempt is to make notes on my experience of the adventure of discovery of the minds of others. In so doing, it is my hope to honor Mr. Gladwell by showing just how much his work made me think, feel, and get more in touch with my humanity.</p><p>Mr. Gladwell wanted to be a lawyer. He would have been an excellent lawyer (but it would have been a waste in the same way <a href="https://en.wikipedia.org/wiki/Eddie_Redmayne" target="_blank">Eddie Redmayne</a> becoming a lawyer would have been a waste). Understanding the view from the other side of the table is vital to lawyering. Getting into the mind of the opposing party, and opposing counsel, and understanding how they think and perceive the situation is an invaluable skill. Mr. Gladwell celebrates that skill. He is a master at play with that skill. It is beautiful to watch.</p><p><u> </u></p><p><b><u>Unforeseeable Events</u>.</b> Unforeseeable events are unforeseeable in all of their particulars, but they can be counted on to occur and can form the basis of a successful investment strategy which pays off when others are suffering financially. Risk can be well managed; risk can be successfully hedged.</p><p><i>My law practice is focused on death and debt. Estate planning and administration is reliable (nothing is certain, but death and taxes). Debt is cyclical and tends to be positively correlated with unemployment, divorce, and medical bills - in short, misery. My revenue goes up when misery increases. I have a natural tendency toward depression and anxiety which makes me inclined to bet that bad things will happen. I don't know precisely when, but when they do (being Irish) my response will be that it could have been worse.</i></p><p>Try and think about what a dog sees in human behavior. A friendly quick approach with eye contact with arms ready to hug tend to be comforting to people because it implies excitement to see a person you like or love. A dog may see threat and aggression instead. When someone rushes to help with voice raised, a dog could see more aggression. <a href="https://en.wikipedia.org/wiki/Cesar_Millan" target="_blank">The Dog Whisperer (Cesar Millan)</a> has difficulty relating to people, which perhaps is part of why he relates so well to dogs. The feelings of being isolated, alone, ignored, and misunderstood as an illegal immigrant. That may have played some role in his sensitivity to dogs who, from their owners point of view, are misbehaving. What Cesar sees is reaction to the humans in the dogs environment. It is not the dog that is the issue. It is the environment the dog is in and the way the dog is being treated that is the issue. Cesar appears to intuitively understand that the issue is not him, it is the environment and the way he is being treated. Dogs save Cesar, and Cesar saves dogs.</p><p><b><u>Image & Substance</u>.</b> <i>When I think of this issue, I think of <a href="https://www.youtube.com/watch?v=ltj8C2SJv94" target="_blank">Billy Crystal on SNL as Fernando</a>: It is better to look good than to feel good, and you look marvelous. Reading Mr. Gladwell's exploration of hair coloring was interesting to me because I started going bald at 25 and have a gray speckled beard. For me, shaving my head and face is what makes me look much younger and more vibrant, and alters my interactions with the world. </i> </p><p>For women, changing hair color to blond may have a similar effect. The idea that feelings can start within and be reflected in appearance, but a change in appearance can also affect feelings is profound. Humans are much more sensitive to our environments than we realize. Studies of the effects of facial expressions on mood and the subconscious effects of priming show that our behavior can in fact be deeply and immediately affected by environment whether we are conscious of it or not.</p><p><b><u>Puzzle v. Mystery</u>.</b> Puzzles require more information to solve; Mysteries require less information more carefully analyzed. Knowing the difference matters. In the modern world, we are drowning in information searching for the rare floating bit of thoughtful analysis to save us. </p><p>The demise <a href="https://en.wikipedia.org/wiki/Enron" target="_blank">ENRON </a>was brought about by the analysis of publicly available information filed with the SEC by the company itself. ENRON used things called <a href="https://www.investopedia.com/terms/m/marktomarket.asp" target="_blank">Mark to Market (MTM)</a> accounting and <a href="https://www.investopedia.com/terms/s/spv.asp#:~:text=A%20special%20purpose%20vehicle%2C%20also,the%20parent%20company%20goes%20bankrupt." target="_blank">Special Purpose Entities or Vehicles (SPE or SPV)</a>. The IRS does not allow MTM which is booking revenue when a contract is signed even though the revenue may not appear for another decade. ENRON's tax return was based on actual earnings, which were anemic. Tax returns should be included with financial statements for investors to compare the two. The incentives between financial statements and tax returns are different. Once incentivizes high earnings, the other low earnings.</p><p><i>In Personal Injury Practice (PI), a common deposition tactic is to get the Plaintiff to talk at length regarding lost earnings from an injury and then follow up with a lengthy discussion of tax returns. It puts the Plaintiff in a bind because they can't have high earnings for one purpose and low earnings for another. </i></p><p><i>That is why loans should be based on tax returns. President Trump routinely exaggerated values for loans, and low balled values for the IRS. Different values for different purposes should not be allowed.</i></p><p>SPE's can be highly complex webs of interlocking companies created for the purpose of obtaining loans not reported as debt by the parent company (Off Book). Assets are transferred to these companies and the value of the asset may be dramatically overstated allowing a much larger loan than should be warranted.</p><p>Currently, the parent company is not required to disclose these relationships that are clearly of a great deal of interest to the investing public <i>(just ask the employees of ENRON who invested in their 401(k)'s with ENRON stock)</i>. If the relationships had to be disclosed and their consequences explained, they would be more transparent, less complex, and easier to understand.</p><p>Currently, companies like Apple, Microsoft, Google & Facebook can use low corporate tax jurisdictions (like <a href="https://en.wikipedia.org/wiki/Ireland_as_a_tax_haven" target="_blank">Ireland</a> I am ashamed to say) to save tens of millions in taxes. We have a WTO (<a href="https://en.wikipedia.org/wiki/World_Trade_Organization" target="_blank">World Trade Organization</a>) for tariffs and trade. We need a WTO (World Tax Organization) for corporate taxes. Gross revenue should be taxed in the County where it is earned. <i>My law practice pays a 1.5% Business and Occupation (B&O) Tax on gross receipts quarterly regardless of profit. </i>If Multinationals were paying half the rate they are paying now in Ireland to the United States Treasury we would all be better off<i> (Ireland unfortunately would be slightly worse off; Sorry about that).</i></p><p><b><u><a href="https://en.wikipedia.org/wiki/Power_law" target="_blank">Power Law Distribution</a></u> v. <u><a href="https://www.investopedia.com/terms/b/bell-curve.asp" target="_blank">Bell Curve Distribution</a></u>.</b> Knowing the difference between the two has major public policy implications. For example, focusing resources on the 10% of people who are chronically homeless, chronic criminals, chronically arrested for DUI, or chronically truant is much cheaper and more effective than our current systems. Giving chronically homeless people apartments, for example, is a tough sell politically because it appears to reward negative behavior, to encourage State dependence, and to encourage addiction, untreated mental illness, and malingering. A single parent working two jobs is not likely to take kindly to paying for a chronically homeless person to get a free apartment (which may be nicer than they one in which the single parent lives). When we do the psychological calculation of what seems right to us as human beings the result is the maintenance of homeless system we currently have. However, if we do the math on the emergency room visits of the chronically homeless it tends to show that taxpayers are already paying much more than the cost of the apartment in medical bills. </p><p>If we stop to think about homeless persons point of view, they have no choice but to go to the emergency room. There are no alternatives and no disincentives, so they will just keep doing it.</p><p><b><a href="https://www.cdc.gov/cancer/breast/basic_info/mammograms.htm" target="_blank">Mammograms</a>.</b> <i>They save lives. That is all I knew. I didn't understand how they actually work.</i> X-Rays are absorbed by fat and appear darker. So, calcium deposits from slow growing cancer tumors are in high contrast and are easily spotted. Dense non-fatty breast tissue appears lighter so that a tumor 3 times as large can be very difficult to see. Even if seen, variations in shape, color, consistency and many other factors can make determining the life threatening from the benign very difficult. </p><p><i>We have a family friend who is a Radiologist specializing in reading mammograms. I have seen the chart filling her wall with the myriad shapes, dimensions, and measurements of various tumors with specifics about what to look for.</i></p><p>Understanding that regular fingertip examination is key (especially between the ages of 50 and 69) is vitally important to catching fast growing "interval tumors" which can develop in between annual mammograms. I did not know that. Knowing a little bit about what the mammogram can see and not see and what Radiologists can interpret accurately and consistently is important to manage expectations (and reduce malpractice litigation). </p><p><i> As a lawyer in the most litigious society in the history of the world it may sound strange for me to say we need to decrease litigation, but we clearly and urgently need to do so for our financial and mental health as a society.</i></p><p><u><b>Plagiarism & Attribution</b></u>. Software can do this automatically now with links that can all be put online, so theoretically it should be less of an issue, but it's not. Balancing public interest with private interest is what copyrights are supposed to do. Like so much of law, the balance changes over time to reflect the relative values of society. Currently, private profit dominates the public interest. This is the same philosophy in which the shift of cleanup costs onto the taxpayers fuels private profit. </p><p><u><b>Choke v. Panic</b></u>. Choking is thinking too much; Panic is thinking too little. JFK, Jr. died in a plane crash because he felt level even when banking for the same reason that your drink doesn't spill when a commercial airliner banks. He couldn't see lights on land, and he couldn't trust the way his body felt, he was limited to instrument flying which requires experience he did not have. </p><p><b><u>FBI Profiling, Astrology, Psychics, Tarot, Palmistry, Futurism, Prophets, Market Forecasting & Predictions About the Future Generally</u>.</b> <a href="https://www.schneier.com/blog/archives/2007/11/the_sham_of_cri.html" target="_blank">Cold reading</a> is a skill that has rules and techniques: Rainbow Ruse, Jacques Statements, Barnum Statement, Fuzzy Fat, Greener Cases, Diverted Question, Russian Doll, Sugar Lumps & Good Chance Guesses to name a few.</p><p><b><u>Complex Systems</u>.</b> That complex systems will always have failures which can be minimized, but not eliminated such that someone or someones are not always to blame seems intuitive.</p><p><b><u>Early v. Late Bloomers</u>. </b> It seems intuitive that early bloomers like Picasso are harder to understand and to relate to than producing beautiful works after decades of effort like Cezanne.</p><p><b><u>Structured Questioning is an Effective Job Interview Technique in a Field of Ineffective Techniques</u>.</b></p><p><i>I have a B.A, M.A., & J.D. and spent years in school. School is a largely solitary pursuit with feedback in the form of grades. Work tends to be more collaborative with much less feedback about what is good performance and what is not.</i></p><p>In fact, in cases like ENRON, which fall into the <a href="https://www.newyorker.com/magazine/2002/07/22/the-talent-myth" target="_blank">Talent Fallacy</a>, positive feedback flows from increasing levels of incompetence and criminality. In well run organizations, the System is the star. The System creates the environment which fosters the development of those who work within it. ENRON hired MBA's from top schools, let them do whatever they wanted, and kept telling them how smart they were (See <a href="https://en.wikipedia.org/wiki/Enron:_The_Smartest_Guys_in_the_Room#:~:text=Enron%3A%20The%20Smartest%20Guys%20in%20the%20Room%20is%20a%202005,business%20scandals%20in%20American%20history." target="_blank">The Smartest Guys In The Room</a>). Studies show that treating intelligence as an immutable rather than malleable trait and praising intelligence itself rather than the work ethic of constantly changing mental skills based on learning from books and experience, deeper relationships, and a sharpening and refining of worldview and place in it tends to make people more likely to lie and to cheat. That is exactly what happened at ENRON. They forgot the simple, obvious, and basic truth that creating and cultivating value is what matters. ENRON was the triumph of image over substance.</p><p><b><u>Overly Simplistic Pit Bull Ban</u>.</b> Political reality is that laws need to have some intuitive popularity regardless of whether they are actually effective or not. Actual dog bites involve dogs bred for violence, trained to be violent, or when violence is reinforced by the dog's owner. 25% are directly related to illegal dog fighting. Often dogs have bitten someone prior, but there was no effort to neuter, muzzle, or use an invisible fence after the first bite. It is not the breed (Pit Bulls can be gentle and make good therapy dogs); it's the owners.<br /></p><p><b><u>Conclusion</u></b>. Everything looks different when perspective changes. Being able to integrate and go back and forth among multiple points of view to create an overall impression that is greater than the sum of the perspectives is a particular gift of Mr. Gladwell. To be able to spin ideas 360 degrees, to zoom in and out, slowing down and speeding up time, in a curated way that is meaningful, useful, and beautiful is a joy to witness. Ideas don't have limited raw materials the way skyscrapers and cities do. The raw materials of an idea are invented and infinite - as are the ideas themselves. Mr. Gladwell fishes in the vastness of all that is, has been, and all that could be everywhere and reels in one beautiful gleaming catch after another.</p><p><br /></p><p><br /></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-32063020965350174742021-08-18T10:16:00.008-07:002022-05-11T19:54:00.178-07:00DAVID & GOLIATH By Malcolm Gladwell (2013)<p><b></b></p><div class="separator" style="clear: both; text-align: center;"><b>DAVID & GOLIATH By Malcolm Gladwell (2013)</b></div><div class="separator" style="clear: both; text-align: center;"><b><br /></b></div><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiulVZBwBTd_YYmS5RWDID9h__mFHRH0o9DRxjl0d7ldEQD6yoYL8IQhxP1LlYorYEcGJUYUKuFn0qB7-VpB2X2SlbWQVRzRRvYzN1dp7dVrpnZ0DPlQx6lie3RwsDfxoFRSA5ir75A9vMe/s120/david.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="120" data-original-width="80" height="120" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiulVZBwBTd_YYmS5RWDID9h__mFHRH0o9DRxjl0d7ldEQD6yoYL8IQhxP1LlYorYEcGJUYUKuFn0qB7-VpB2X2SlbWQVRzRRvYzN1dp7dVrpnZ0DPlQx6lie3RwsDfxoFRSA5ir75A9vMe/s0/david.jpg" width="80" /></a></b></div><b><br /><u><br /></u></b><p></p><p><b><u>Adventure of Discovery of the Minds of Others</u></b>. Reading <a href="https://en.wikipedia.org/wiki/Malcolm_Gladwell" target="_blank">Malcolm Gladwell</a> is to be in the presence of a great mind, a great heart, and a great spirit. He goes beyond the intellectual stimulation for which he is so rightly famous, and shows real sensitivity to the human condition. I feel that Malcolm Gladwell cares about what I do with the insights he has given me. The insights themselves are a treat. The caring on top of that is surprising and delightful.</p><p>I would feel presumptuous in the extreme to write a book review of any of Malcom Gladwell's works. I would feel wholly inadequate to do a book report on any of his works. Instead, my attempt is to make notes on my experience of the adventure of discovery of the minds of others. In so doing, it is my hope to honor Mr. Gladwell by showing just how much his work made me think, feel, and get more in touch with my humanity.</p><p>Mr. Gladwell wanted to be a lawyer. He would have been an excellent lawyer (but it would have been a waste in the same way <a href="https://en.wikipedia.org/wiki/Eddie_Redmayne" target="_blank">Eddie Redmayne</a> becoming a lawyer would have been a waste). Understanding the view from the other side of the table is vital to lawyering. Getting into the mind of the opposing party, and opposing counsel, and understanding how they think and perceive the situation is an invaluable skill. Mr. Gladwell celebrates that skill. He is a master at play with that skill. It is beautiful to watch.</p><p><u> </u></p><p><b><u>The Forum is the Fight</u>.<i> </i></b>Mr. Gladwell's retelling of the story of the Biblical story <a href="https://en.wikipedia.org/wiki/Goliath" target="_blank">David & Goliath</a> is masterful. <i> I am 6'5" and wear glasses, so I could relate to the concept that being big and slow and not seeing well can be a disadvantage. <b> </b>As a lawyer representing Debtor's in bankruptcy, I see that Creditors always want to talk on the phone. If I never talk on the phone, but put everything in writing, then I win because that is where I have significant advantage.</i> David's sling was a deadly (and rightly feared) weapon. By not meeting Goliath hand to hand with a sword he had the advantage. The fight was over before it even started.</p><p><i>I kept thinking of a line from the song <a href="https://en.wikipedia.org/wiki/Me_and_Bobby_McGee" target="_blank">Me & Bobby Magee</a>: "Freedom's just another word for nothing left to lose." Hardship, disadvantage, and minority status creates an urgent need for (and continual practice of) certain survival skills not needed by the majority in relative ease. I loved the <a href="https://en.wikipedia.org/wiki/Uncle_Remus" target="_blank">Uncle Remus</a> stories of Brer Rabbit, Brer Fox, and Brer Bear as a kid. I found them speaking to me. On my face you cannot see my African American and Native American ancestors, but they are with me always - deep and buried. Mr. Gladwell's mother is Jamaican, so the display of his heritage of color is on the surface. Mine is stealthy. A story of cleverness used to overcome superior strength is deeply appealing. I also grew up with the <a href="https://en.wikipedia.org/wiki/The_Tortoise_and_the_Hare" target="_blank">Tortoise and the Hare</a> and slow and steady wins the race. I had never heard the story of the Terrapin and the Deer in which the Terrapin's family place themselves along the race route with the Terrapin close to the finish line crossing before the Deer. After all, the Terrapin says we all look the same to the Deer. The Deer doesn't have to pay attention to what Terrapin look like and that is a weakness and disadvantage.</i></p><p><b><u><a href="https://en.wikipedia.org/wiki/Kuznets_curve" target="_blank">The Inverted U Curve</a></u>.</b> Better understanding this concept as a society could have tremendous impacts. <i>I remember in school, some students would complain that we were never going to use what we were learning. Instinctively I knew from a young age that we don't get to keep all of the knowledge we gain (we forget), and we don't know how and when the process of learning will be of use in the future (the world can be dangerous). That sounds like the thinking of an underdog. I never thought of it as a strength. It may have been related to my parents getting a divorce when I was 6 years old (in 1974). My father is an M.D. My peers had financial security and social status that I did not have in a single parent household as a "<a href="https://en.wikipedia.org/wiki/Latchkey_kid" target="_blank">latchkey kid</a>." I remember asking one of my classmates how he got into the house if he didn't have a key. He said his mom was always there. I said: "Don't you hate that?" My mom was working 2 jobs as a nurse. She told me she couldn't be there to watch me all the time. She asked me to help keep what remained of our family together (my sister, aunt, and grandparents). I did my best. When I counsel debtors in bankruptcy sometimes they ask about hiding assets. I hear my mother when I encourage them to think about the kind of society in which they want to live rather than thinking about whether and how much they can get away with. Gandhi said: "Be the Change you want to see in the World." There is a vast difference between living with meaning and purpose according to your values and breaking the law simply because you ascertain that you will probably get away with it.</i></p><p><b><u>Underdogs</u></b>. Underdogs instinctively get the concept of limits. Underdogs know that the infinite growth model in economics is impossible to sustain.<b> <a href="https://en.wikipedia.org/wiki/Herbert_Stein" target="_blank">If something cannot go on forever, it will stop</a></b>. We need more underdogs in Congress who understand that tax breaks work at first, then become neutral, and then become harmful. Longer prison sentences work at first, then become neutral, and then become harmful. Smaller class sizes work at first, then become neutral, and then become harmful. When millions of taxpayer dollars are being spent (and wasted and worse), understanding where the points of neutrality and harm are can not only save millions of dollars, but also alleviate suffering.</p><p><i>Part of my heritage is <a href="https://en.wikipedia.org/wiki/Religion_in_Northern_Ireland" target="_blank">Northern Ireland Catholic</a>, which is to say a religious minority in a part of Ireland that is part of the United Kingdom. When I was growing up, kids would tell Polack jokes. Later I heard the same jokes with Irish substituted for Polish. I learned that Freud said the Irish were impervious to Psychoanalysis. Being an underdog means that I will never be part of the Protestant Club, so I don't even have to try to belong. I do not remember being taught that Rich, White, Male, Protestants have been in control since before the founding of America. I just knew it; and I knew that I wasn't one of them. I did not think of that as a strength until a few years ago when there was talk of a Muslim Registry. My first thought was to put me on it. I thought of <a href="https://en.wikipedia.org/wiki/Eugene_V._Debs" target="_blank">Eugene V. Debbs</a> and his powerful identification with underdogs. In my mind, I will never be anything else. It doesn't matter how much money I earn, or how much property I have - I am a permanent underdog.</i></p><p><i>Perhaps because I did not have a father, brothers, uncles, or male cousins, I did not grow up watching sports and learning the things men are supposed to do. I grew up in a Matriarchy, in which my mother was the Head of Household and her Mother was the Head of Household. Some of my classmates in high school thought I was gay. My best friend from high school is gay. He told me that I meet every gay stereotype including liking show tunes. He said he hated show tunes. I identified with people who are gay because I was treated like I was gay even though I am not.</i></p><p><b><a href="https://stevekinzey.medium.com/forgiveness-strength-to-defeat-resentment-1f57b5e002cc" target="_blank">Forgiveness is Strength</a>.</b><i> I graduated from a Jesuit Law School where I read the Supreme Court Cases in which the <a href="https://depts.washington.edu/civilr/kkk_i49.htm" target="_blank">Ku Klux Klan attempted to eradicate Catholic Education from America</a>. There was religious hate in America too, not just in Northern Ireland. Hate is not a strength; Hate is a weakness. </i></p><p><b><u>Conclusion</u></b>. Thank you to Mr. Gladwell for showing me that some of the most painful episodes of my life (and the suffering of my ancestors) can be sources of strength and advantage. Thank you for showing me that the story of David & Goliath is a story of someone with a .45 going up against someone with a knife - no contest. <a href="https://en.wikipedia.org/wiki/Matthew_5:5" target="_blank">What we think of as weakness is strength; and what we think of as strength is weakness.</a></p><p><br /></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-42103366005437367192021-08-11T19:15:00.017-07:002022-05-11T19:54:08.557-07:00TALKING TO STRANGERS By Malcolm Gladwell (2019)<p><b></b></p><div class="separator" style="clear: both; text-align: center;"><b>TALKING TO STRANGERS By Malcolm Gladwell (2019)</b></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg_0axM_nhELlmeJRhzryUdt5nndyz5u593c20E-ROAgXze0-VO6wVk3THx6Wx8W9QXzqjVFsNtQWnJnxsjd9bDY8NqsI7kFBWHtp03gUiWbXKFgn16RQzng9cihunF2H1ufWLtx3OqkNj/s162/talk+strangers.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="162" data-original-width="108" height="162" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjg_0axM_nhELlmeJRhzryUdt5nndyz5u593c20E-ROAgXze0-VO6wVk3THx6Wx8W9QXzqjVFsNtQWnJnxsjd9bDY8NqsI7kFBWHtp03gUiWbXKFgn16RQzng9cihunF2H1ufWLtx3OqkNj/s0/talk+strangers.jpg" width="108" /></a></b></div><b><br /><u><br /></u></b><p></p><p><b><u>Adventure of Discovery of the Minds of Others</u></b>. Reading <a href="https://en.wikipedia.org/wiki/Malcolm_Gladwell" target="_blank">Malcolm Gladwell</a> is to be in the presence of a great mind, a great heart, and a great spirit. He goes beyond the intellectual stimulation for which he is so rightly famous, and shows real sensitivity to the human condition. I feel that Malcolm Gladwell cares about what I do with the insights he has given me. The insights themselves are a treat. The caring on top of that is surprising and delightful.</p><p>I would feel presumptuous in the extreme to write a book review of any of Malcom Gladwell's works. I would feel wholly inadequate to do a book report on any of his works. Instead, my attempt is to make notes on my experience of the adventure of discovery of the minds of others. In so doing, it is my hope to honor Mr. Gladwell by showing just how much his work made me think, feel, and get more in touch with my humanity.</p><p>Mr. Gladwell wanted to be a lawyer. He would have been an excellent lawyer (but it would have been a waste in the same way <a href="https://en.wikipedia.org/wiki/Eddie_Redmayne" target="_blank">Eddie Redmayne</a> becoming a lawyer would have been a waste). Understanding the view from the other side of the table is vital to lawyering. Getting into the mind of the opposing party, and opposing counsel, and understanding how they think and perceive the situation is an invaluable skill. Mr. Gladwell celebrates that skill. He is a master at play with that skill. It is beautiful to watch.</p><p><u> </u></p><p><i>In my law practice, <a href="https://attorneymulvaney.com/" target="_blank">MULVANEY LAW OFFICES, PLLC</a>, I talk to strangers every day. This book contained an abundance of things I need to know and to use better. There is a reason they call it a "practice." I constantly make changes to get closer to best practices in all situations at all times. This is a tall order - for which I need all the help I can get. Thank you for giving me a boost with this book.</i></p><p> This work examines several different, but related, aspects of communication including:</p><p></p><ol style="text-align: left;"><li><a href="https://en.wikipedia.org/wiki/Truth-default_theory#:~:text=This%20theory%20gets%20its%20name,prove%20they%20are%20being%20deceived." target="_blank">Default to Truth</a></li><li><a href="https://www.nationalreview.com/the-agenda/mismatch-and-transparency-reihan-salam/" target="_blank">Transparency & Mismatch</a></li><li><a href="https://en.wikipedia.org/wiki/Behavior_settings" target="_blank">Coupling</a></li><li><a href="https://www.sciencemag.org/news/2019/06/psychologist-explains-why-people-confess-crimes-they-didn-t-commit" target="_blank">Getting People to Talk</a>, and</li><li><a href="https://www.aclunc.org/our-work/know-your-rights/know-your-rights-police-interactions" target="_blank">Police Interactions</a>.</li></ol><div><u><b>Default to Truth</b></u>. Human beings generally trust each other, and assume that others are being honest unless and until a <a href="https://en.wikipedia.org/wiki/The_Tipping_Point" target="_blank">Tipping Point</a> is reached. Quite a lot of indicators can stack on each other until this point is reached. This feature of human psychology and interactions is exploited by a minority of people such as <a href="https://en.wikipedia.org/wiki/Bernie_Madoff" target="_blank">Bernie Madoff</a>. Some people are the price we pay for having the Default to Truth lubricant for social interactions. If everyone was suspicious and skeptical all the time, society could not function. Everything would take many times the amount of time to complete.</div><div><br /></div><div><i>For me, the striking thing about the analysis was the realization that the most skeptical people have trouble bonding with others and being believed.</i> If the Default to Truth could be turned on and off, then then the person who was temporarily skeptical could be their own messenger, but that is not usually what happens. An overly suspicious and skeptical person needs to convince an influencer with the Default to Truth in abundance in order to get the message heard. Apparently that is what happened with the <a href="https://en.wikipedia.org/wiki/Harry_Markopolos" target="_blank">whistleblower</a> who kept sounding the alarm for 10 years before Bernie Madoff was arrested,</div><div><br /></div><div><i>I thought of the mindset of the soldier and how important it is to be able to turn it on and off. Soldiering requires considerable indoctrination. Most people have difficulty following orders to kill strangers. Soldiers who are not able to shut off their mindset can have difficulty decades later as civilian.</i> <i> For example, my mother is a retired nurse from the VA Medical Center in Spokane. Some WWII veterans refused to have Japanese nurses in their rooms. They still harbored hate. It did not serve their mental or physical health well as civilians and is no longer necessary, but they could not shut it off.</i></div><div><i><br /></i></div><div><i>Knowing the proper and improper times to do and say things, and being able to change with those times is the key. If you don't have the key yourself, and you know it, perhaps cultivating alliances with people whose mindset, words, and deeds change seemingly effortlessly as situations change would be of benefit. If you remain fixed in a pit of your beliefs (especially those that are a default to skepticism, mistrust, and sometimes paranoia) being around people who are not so fixed can help show the way out of the pit.</i></div><div><br /></div><div><u><b>Transparency & Mismatch</b></u>. <i>I live in Bellevue, a suburb of Seattle, so the discussion of <a href="https://en.wikipedia.org/wiki/Amanda_Knox" target="_blank">Amanda Knox</a> who is from Seattle was close to home. </i> Innocent; she served years in an Italian prison with no physical evidence largely because her reactions did not match what was expected. Actors, criminals, terrorists, pedophiles, and grifters all need to be highly attuned to expected reactions and match them as precisely as possible in order to accomplish their goals. Many people may not even be aware of the extent their reactions don't match expectations.</div><div><br /></div><div><i>In law school, I did an internship in criminal defense. Criminal defendants are usually acutely aware of Judges and Juries expectations regarding display of signs of contrition because if they are not, they tend to receive longer sentences. Most people are not so harshly punished for mismatch and are therefore less aware.</i></div><div><br /></div><div>Knowing that certain people need to know how to deceive should presumably build faster to the Tipping Point, but it does not appear so. Knowing that the accuracy of lie detection is generally low, even among professional investigators of crimes, should presumably reduce the speed to the <a href="https://en.wikipedia.org/wiki/The_Tipping_Point" target="_blank">Tipping Point</a>, but it does not appear so. </div><div><br /></div><div>Human beings are more than rational. Reason is only part of us. Another part is a Judge wanting to see a Defendant's face, eyes, and demeanor even though <a href="https://www.engadget.com/2017-08-25-watson-heal-america-criminal-sentencing.html" target="_blank">computer software</a> can make about 25% better bail decisions than Judges - with less information. The power of charm and the cult of personality appear to be effective because of human needs. <i>On some level we don't want justice so much as a feeling that we are rewarding the beautiful and the charming and punishing the ugly and the mismatched.</i></div><div><br /></div><div><i>Knowing this hopefully produces some humility and less self-righteousness.</i></div><div><br /></div><div><b><u>Coupling</u>.</b> Research shows the human behavior is influenced by environmental factors much more than is commonly though. <i> I proposed to my wife with the Golden Gate Bridge in the background. </i> More than 1,500 people have jumped from that bridge. Nets were installed 80 years after construction of the bridge (even though nets erected during construction and then removed saved 19 lives). <a href="https://en.wikipedia.org/wiki/Suicides_at_the_Golden_Gate_Bridge" target="_blank">Suicide and the Golden Gate Bridge are coupled</a>.</div><div><br /></div><div>A discussion of <a href="https://en.wikipedia.org/wiki/Coal_gas" target="_blank">"Town Gas" (Coal Gas)</a> in England is especially poignant. Data shows that when natural gas replaced the high carbon monoxide town gas, suicides by other methods did not increase - even after head in the oven suicides dropped to zero. Convenient means costs lives. Suicide and Town Gas were coupled.</div><div><br /></div><div>Understanding that <a href="https://www.city-journal.org/html/reclaiming-subway-12770.html" target="_blank">criminal behavior can be coupled with subway graffiti</a> was a major breakthrough for New York City. Crime was in fact reduced by cleaning up the subway cars. Crime was reduced by prosecuting subway fare beaters and panhandlers. It is indeed the little things that matter, and the little interactions between people. Clean, well lit, green spaces without graffiti, broken, windows, or litter reduces crime. <a href="https://en.wikipedia.org/wiki/Confucius" target="_blank">Manners and rituals of treating each other with respect (especially family) builds culture and resilience</a>. If we start with that strong foundation we can build on it. If the foundation is cracked and weak, marked by crime and disrespect, what is built leans and topples. By seeing connectedness (coupling) where it was previously invisible, and therefore not understood, we can do things like precipitously drop crime and suicide.</div><div><br /></div><div><b><u>Getting People to Talk</u>. </b><i>I am from Spokane, the place where the architects of the torture (Enhanced Interrogation Techniques) program following 911 were from. I read some of the heavily redacted "<a href="https://en.wikipedia.org/wiki/Torture_Memos" target="_blank">Torture Memos</a>" written by the Attorney General's Office. I felt sick. Nothing I was asked to to as an Associate Attorney remotely approached the horror of having to legally justify torture.</i></div><div><br /></div><div>Studies show that the extreme stress of torture reduces the ability to recall information, and can distort that information sometimes by creating false memories. Some torture victims simply confess to everything they can think of to build up their legacy and make the pain stop. <a href="https://en.wikipedia.org/wiki/SAVAK" target="_blank">Family members and associates of those tortured tend to become violent enemies of the United States - making us less safe</a>. See <a href="https://en.wikipedia.org/wiki/Black_site" target="_blank">Black Sites</a>. So, torture doesn't work and the blowback from it harms us. <i>Why do we do it?</i></div><div><br /></div><div><i>I couldn't help thinking that there must be better ways to get information from people. Prescription drugs, alcohol, sex, <a href="https://www.wsj.com/articles/the-machines-that-will-read-your-mind-11554476156" target="_blank">brain scans showing recognition of images</a>, reviewing video for millisecond unconscious facial expressions (<a href="https://en.wikipedia.org/wiki/Thin-slicing" target="_blank">thin-slicing</a>), and psychological appeals related to family, friends, associates, religion, group membership or hometown challenging beliefs about what is being accomplished by terrorist acts before trying things like sleep, food, and water deprivation and isolation coupled with good cop/bad cop seem to be better options than "<a href="https://en.wikipedia.org/wiki/Waterboarding" target="_blank">waterboarding</a>" and "<a href="https://en.wikipedia.org/wiki/Walling" target="_blank">walling</a>."</i></div><div><br /></div><div><i>I had a nagging sensation that effectiveness really wasn't the point. The point was power and humiliation. Human beings with an urgent need for information aimed at saving lives from terrorist attack need to feel powerful because they feel out of control. We need to humiliate the cause of that lack of control. I may be naive, but perhaps knowing that can be the basis for a conversation about the situation that produces better results. For example, <a href="https://en.wikipedia.org/wiki/Ali_Hassan_al-Majid" target="_blank">poison gas</a> was used on the Kurds in Iraq. By showing video of those dead bodies in the hometown of a potential informant, the potential may tip into actual informing even if there was a previously close relationship that would have to be betrayed.</i></div><div><br /></div><div><u style="font-weight: bold;">Police Interactions</u><b>.</b> <i> If ever there was a rich, timely, and historically deep subject to explore about America. This is it.</i> <i>I used to be in Toastmasters to improve public speaking. One of my fellow Toastmasters was a black man who was a 20 year veteran of the Air Force (Fairchild Air Force Base is the largest employer in Spokane). He told me that he would not drive in North Idaho at night. This was during the time before <a href="https://en.wikipedia.org/wiki/Morris_Dees" target="_blank">Morris Dees</a> sued the <a href="https://en.wikipedia.org/wiki/Aryan_Nations" target="_blank">Aryan Nations</a> of Hayden Lake, Idaho and bankrupted them. What was sad and striking to me was that it wasn't just the Aryan Nations that was of concern to this man - he was also afraid of being pulled over by the police. Here is a man who served his country honorably for decades who is concerned not just with racists, but with the police as well (who may or may not be racists, but are cause for concern nonetheless).</i></div><div><i><br /></i></div><div><i>My own interactions with the police have been blessedly few. One night in my office with windows looking out to the trees, mountains, and sky, I saw flashing police lights in the parking lot followed by the sounds of siren bursts, shouting, and throwing of things at my window. I was perplexed and annoyed because I was trying to concentrate on work. I ended up closing my blinds and turning out my lights and continuing to work. I found out later that the police received a report of an armed intruder in my building, but they couldn't come up the elevator without a code and the couldn't open the doors from the stairwell without a key. If I would have walked out to let them in across the path of an armed intruder I would have been in danger. No armed intruder would remain with all that police racket going on so there was no chance of apprehending anyone. Yet they persisted, and persisted.</i></div><div><br /></div><div><i>What I realized is that I was harboring resentment for the traffic cameras that I believe are unconstitutional. The State Legislature had to enact a Statute creating a presumption that the owner of the car is the driver in order to get around the unconstitutionality of an officer not seeing the infraction and writing an affidavit. Instead, they have video and a presumption created to cure a constitutional defect. My mother and I each received a ticket from one of these cameras.</i></div><div><i><br /></i></div><div><i>My wife received a ticked for 5 mph over the speed limit going down a hill to the freeway onramp in downtown Bellevue. Insurance premiums did not change for the camera tickets, but they did increase by $25 for the officer given speeding ticket and never went down. That is $300 a year, every year, for decades. I believed I was justified in not responding to the ridiculous and dangerous ignorant rudeness of the police. I am a white man who is 6'5" tall and weighs over 300 pounds. Not everyone has that luxury.</i></div><div><br /></div><div><i>The <a href="https://www.ourdocuments.gov/print_friendly.php?flash=false&page=&doc=21&title=McCulloch+v.+Maryland+%281819%29" target="_blank">power to tax is the power to destroy</a>. <u>Traffic tickets are a tax and should be treated as such subject to all constitutional constraints of equal protection and due process</u>.</i></div><div><i><br /></i></div><div><b style="text-decoration-line: underline;">Conclusion</b>. Awareness of these 5 concepts, defaulting to truth, mismatch of behavior and expectations, coupling, getting the truth, and the dynamics of power differential interactions can lead to not just more effective communication, but to improvements in the justice of outcomes. By improving the fairness of our interactions we can increase peace and harmony. If some of the fear and misunderstanding we bring into our contacts with others can be replaced by some understanding and compassion, the world becomes just a little bit better - one stranger at a time.</div><div><br /></div><p></p><p><br /></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-17722804777125386682021-08-04T11:38:00.017-07:002022-05-11T19:54:15.939-07:00WHAT I WAS NOT TAUGHT IN LAW SCHOOL<div class="separator" style="clear: both; text-align: center;"><b>WHAT I WAS NOT TAUGHT IN LAW SCHOOL</b></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPPvmkYrs06Ujza94Yav_P-n8teg-R_-hjHC5Wo1WY7PTTXYvkopfOum_EeAJL2Ow4L1xkP15H5s37PxNR5c5zmqcTGEd4Ye3BtOQkBGNCK5YTjo-1FBT8MMKgZm5_w4_1XvPzaH6ofcsc/s480/ZAGS+with+label2.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="360" data-original-width="480" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPPvmkYrs06Ujza94Yav_P-n8teg-R_-hjHC5Wo1WY7PTTXYvkopfOum_EeAJL2Ow4L1xkP15H5s37PxNR5c5zmqcTGEd4Ye3BtOQkBGNCK5YTjo-1FBT8MMKgZm5_w4_1XvPzaH6ofcsc/s320/ZAGS+with+label2.jpg" width="320" /></a></div><br /><p><br /></p><p><br /></p><p>I have an Economics Degree and a Law Degree.</p><p>Ever since <a href="https://en.wikipedia.org/wiki/George_Floyd" target="_blank">George Floyd</a>, I have learned more about what it means to be an American than I did getting those two Degrees.</p><p>The founding of the United States of America in 1776 coincided with the publication of Adam Smith's - <a href="https://en.wikipedia.org/wiki/The_Wealth_of_Nations" target="_blank">An Inquiry into the Nature and Causes of the Wealth of Nations</a>. The work is a refutation of <a href="https://www.investopedia.com/terms/m/mercantilism.asp" target="_blank">Mercantilism</a>, which is essentially the imperialist/colonialist accumulation of gold and silver through maximizing exports and minimizing imports through tariffs.</p><p>The Wealth of Nations is famous for the <a href="https://www.investopedia.com/terms/i/invisiblehand.asp#:~:text=The%20invisible%20hand%20is%20a,move%20the%20free%20market%20economy.&text=The%20constant%20interplay%20of%20individual,%2C%22%20approach%20to%20the%20market." target="_blank">Invisible Hand of the Marketplace</a> producing public good through the pursuit of private interest. What was radical was this concept of the public good being the Wealth of a Nation. <u>The standard of living of the largest number of people and their capacity to sustain and recreate that standard was Wealth - not gold and silver</u>.</p><p>The <a href="https://www.theatlantic.com/magazine/archive/2019/04/adam-serwer-madison-grant-white-nationalism/583258/" target="_blank">United States was White Supremacist at its founding</a> and remains so. </p><p><a href="https://www.adl.org/resources/glossary-terms/white-supremacy" target="_blank">White Supremacy</a> found it's most brutal expression:</p><p>(1) in the "<a href="https://en.wikipedia.org/wiki/Manifest_destiny" target="_blank">Manifest Destiny</a>" <a href="https://en.wikipedia.org/wiki/Genocide_of_indigenous_peoples" target="_blank">largest genocide in the history of the world, which was the killing of millions of the Native Peoples of the Americas</a>; and </p><p>(2) in <a href="https://www.history.com/topics/black-history/slavery" target="_blank">over three (3) centuries of enslavement of the Peoples of Africa</a>.</p><p><a href="http://www.beacon.org/Not-A-Nation-of-Immigrants-P1641.aspx" target="_blank">America is not a Nation of Immigrants</a>. America is a Nation of the Descendants of Immigrants who took by lethal force the land of Native Americans and the Labor of African Americans for over 300 hundred years.<br /></p><p>White Supremacy is fundamentally opposed to the Wealth Adam Smith described. White Supremacy seeks to continue the <a href="https://en.wikipedia.org/wiki/Imperialism" target="_blank">imperialist/colonialist</a> way of life that existed for centuries before Adam Smith wrote about another way to think of Wealth. <a href="https://en.wikipedia.org/wiki/Colonialism" target="_blank">Colonialism</a> didn't die after Adam Smith; it just changed form. <a href="https://en.wikipedia.org/wiki/Neocolonialism#:~:text=Neocolonialism%20is%20the%20practice%20of,indirect%20political%20control%20(hegemony)." target="_blank"> Neocolonialism</a> involves shifting the costs of private profit profit onto the Public, whether that public is at home or abroad.</p><p>Adam Smith's Wealth is the kind the Amish have in which if a barn burns down, the community builds another barn. Respect for the the Earth, and all life, sustains standards of living which provide food, work, education, healthcare, housing, transportation, recreation & leisure, and close families and communities that look out for each other.</p><p><a href="https://en.wikipedia.org/wiki/Vergangenheitsbew%C3%A4ltigung" target="_blank">Germany has a culture of admitting and never forgetting their past</a>. Germany is committed that nothing like the <a href="https://en.wikipedia.org/wiki/The_Holocaust" target="_blank">Holocaust</a> ever happen again. What Germany has done as a Nation over generations is much bigger than feeling guilty - it is about facing the capacity in all of us to do evil under certain circumstance and to work to prevent those circumstances from coming into existence. America needs to admit and never forget our past regarding Native American and African American people and commit that the circumstances that led to these atrocities stemming from the original sin of White Supremacy do not continue to exist. Such circumstances clearly still do exist in America. Those circumstances include <a href="https://en.wikipedia.org/wiki/Indian_reservation" target="_blank">Indian Reservations</a> and <a href="https://en.wikipedia.org/wiki/Ghetto" target="_blank">Black Ghettos</a>.</p><p>Descendants of victims can never be made whole. To think so would be as insulting as giving money to an innocent man who spent twenty years in prison as if any amount of money could compensate for two decades of a person's life. What is not insulting <i>(in my view) </i>is to do what we can in terms of returning art stolen by the Nazi's and returning property stolen by terrorizing black people that is proven to be stolen. The theft of an entire continent and over three centuries of labor is so vast as to make compensation impossible. It is like <a href="https://en.wikipedia.org/wiki/Big_lie" target="_blank">Hitler's "Big Lie</a>;" if the "BIG STEAL" is big enough you will "get away with it." <i>But, at what cost? </i>Hitler was a big fan of America. That should give us pause as to who we are. Hitler took eugenics from us. Hitler took the concept of the "Master Race" from the White Supremacy developed over centuries in the American South. Hitler took one of chemicals used in the gas chambers from the American Southern Border where it was used on Mexicans in lower doses than Hitler used to kill. Hitler took American ideas and increased the dosage to produce Nazi Germany.</p><p>What we owe to Native American people and African American people, who are now our fellow citizens <i>(America has no classes of citizenship)</i>, is acknowledgement of the truth of their unimaginable pain.</p><p>What we owe to Native American people and African American people is equality of opportunity. </p><p>We owe it to Native American people and African American people and we owe it to all American citizens to stop discriminating on the basis of brown or black skin.</p><p>If we do not pay what we owe, we will continue to reap the bitter harvest of <a href="https://en.wikipedia.org/wiki/Strange_Fruit" target="_blank">strange fruit</a>.</p><p><a href="https://www.theatlantic.com/ideas/archive/2020/02/a-republic-if-we-can-keep-it/605887/" target="_blank">America is a Republic, if we can keep it.</a> At the founding there was one multinational corporation, the <a href="https://en.wikipedia.org/wiki/East_India_Company" target="_blank">East India Company</a>. Thomas Jefferson in particular was very concerned about monopoly power and wanted protections against it in the Constitution. He was, unfortunately for us, outvoted. The conglomeration of multinationals today and their associated <a href="https://en.wikipedia.org/wiki/United_States_v._Microsoft_Corp." target="_blank">Monopoly Power (Microsoft)</a> and <a href="https://en.wikipedia.org/wiki/Concentration_of_media_ownership" target="_blank">Oligopoly Power (90% of American Media controlled by 6 companies)</a> threatens us all daily. These <a href="https://en.wikipedia.org/wiki/Thom_Hartmann" target="_blank">immortal legal "Persons"</a> who can plead guilty to felonies in the stead of the Officers of the Company pleading guilty <a href="https://en.wikipedia.org/wiki/Purdue_Pharma" target="_blank">(Perdue Pharma)</a> have used the <a href="https://en.wikipedia.org/wiki/Equal_Protection_Clause" target="_blank">14th Amendment Equal Protection Clause</a> much more than the African Americans it was enacted to protect.<br /></p><p><b><u>People and the Earth itself must be put ahead of Profit</u></b>. If Multinationals are People with unlimited money influencing our elected representatives (<a href="https://www.brennancenter.org/our-work/research-reports/citizens-united-explained" target="_blank">Citizens United</a>) then we have created a system dedicated to our own destruction. <i>Is the Humanity itself suicidal?</i> Looking at Human History and the number of things we have done and continue to do that undermine our survival interest, it is hard to escape that possibility.</p><p>A good example of a <i>(suicidal?)</i> failure to understand economics and the role of the law in protecting the Earth and it's people is the <a href="https://en.wikipedia.org/wiki/Berkeley_Pit" target="_blank">Berkeley Pit in Butte, Montana</a>. It is a <a href="https://en.wikipedia.org/wiki/List_of_Superfund_sites#:~:text=Superfund%20sites%20are%20polluted%20locations,Act%20(CERCLA)%20of%201980." target="_blank">Superfund Site</a> in which many billions have been (and continue to be) spent cleaning up the mess created by Copper Mining. The cleanup costs have already exceeded the value of all of the Copper extracted plus all of the payroll of the miners who extracted it. In other words, the way mining occurred was a net loss to society. Profit was privatized; the costs were shifted onto the public. That is the well known business model that Government must counter. If it doesn't, then the Earth and Taxpayers will continue to suffer. Butte was known at one time as the "Richest Hill in the World." We need to rethink what rich means because currently it means private profit at public expense, which is an insidious form of poverty in the guise of riches.<br /></p><p>_________________________________________________________________________________</p><p>Bhutan measures "<a href="https://en.wikipedia.org/wiki/Gross_National_Happiness" target="_blank">Gross National Happiness</a>." America should as well.</p><p>Happiness cannot be measured directly, so proxies for Happiness are measured.</p><p>Those proxies must include the necessary conditions to sustain life on Earth, and to sustain healthy communities, and to sustain healthy relationships among communities. </p><p><i>How can anyone be happy knowing they are slowly killing themselves?</i></p><p>Before describing what can be measured and why, I think it is important to understand the sinking feeling that many law students have (myself included) when they realize that the U.S. Constitution is all about negative rights limiting Government. It was written by rich, white, Protestant men for themselves at the expense of African Americans, Native Americans, Women, Immigrants, the Poor, the Disabled, the Disadvantaged, and the Earth itself. The U.S. Constitution is a great document nonetheless. Being with America's greatness and America's grave failings at the same time is key to understanding America. America is not one or the other. America is both, and then some.</p><p>It is the Amendments to the Constitution, the Bill or Rights, Freeing Slaves, Giving African Americans and Native Americans Citizenship and the right to Vote, & Giving Women the right to Vote that begin to broaden America to include more of its people. We can be proud of these Amendments, but they don't go far enough in guaranteeing positive rights. For example, the U.S. Supreme Court ruled in <a href="https://www.propublica.org/article/why-bush-v-gore-still-matters" target="_blank">Bush v. Gore </a>that American Citizens do not have the legal right to vote for President of the United States. This is a tragedy that needs to be corrected. Voting should be an affirmative right of all citizens in a robust democracy. America is a <a href="https://foreignpolicy.com/2021/01/07/u-s-struggling-democracy-pro-trump-insurrection-capitol/" target="_blank">struggling democracy</a> for obvious reasons, but we don't need to be.<br /></p><p>Below is list of some of the things that could be measured. The overarching idea is that Government should be constantly looking at what the Invisible Hand of the Marketplace is doing - and not doing. A continuous cost/benefit/risk analysis regarding Government intervention with the philosophy of "<a href="https://csmulvaney.blogspot.com/2021/08/lawyers-need-hippocratic-oath.html" target="_blank">First, Do No Harm</a>" is needed. Government should not being doing things the market does better and more efficiently, but should be doing things where the Market harms the Public such as <a href="https://www.aclu.org/issues/smart-justice/mass-incarceration/private-prisons" target="_blank">Private Prisons</a> involving lobbying for longer sentences in the Country with the largest number of incarcerated people in the World.</p><p>___________________________________________________________________________________</p><p>(1) <u>Clean Unpolluted Air, Water, Soil, & Space</u> such that life is sustainable and climate is not changed unfavorably to life on Earth. Remediation of harm done such as planting trees and returning parts of the Earth to their natural state without human presence. Countries working together to mitigate the <a href="https://en.wikipedia.org/wiki/Tragedy_of_the_commons" target="_blank">tragedy of the commons</a> of near earth orbit space debris. There is not a National recognition and honoring of the fact that America stole 98% of the land of Native Americans and left them with 2% of largely unfavorable land. To honor this would be to focus on the creation of opportunities for Native Americans.</p><p>Preservation of the necessary conditions for life is not a right of Americans (or anyone for that matter). It should be a Universal Human Right. If maintaining the climate to support human life was a Right then Americans could expect Government policies to balance that Right with Profit. Why would any Rational Human Being create an institution that does not even have the basic duty to protect the survival interest of the Human Being?</p><p>___________________________________________________________________________________</p><p>(2) <u>Not Overfishing; Not Over Harvesting Trees; Not Over Extracting Oil, Gas, Coal, Minerals, Metals, and all that is Precious within the Earth</u> such that renewable resources remain renewable and planning is done for increasing scarcity of non-renewable extraction. It is not enough to simply reduce the rate of harm, we must actively work to remediate past harm.</p><p>___________________________________________________________________________________</p><p>(3) <u>Food</u>. Is the supply of Food sustainable and equitably distributed? How much Food is wasted? Is the Market harming the Public Health? If so, what interventions are appropriate and which descend into the "<a href="https://en.wikipedia.org/wiki/Nanny_state" target="_blank">Nanny State</a>."</p><p>___________________________________________________________________________________</p><p>(4) <u>Employment & Leisure</u>. There is not a National recognition and honoring of the fact that America was built on the stolen labor of slaves and the exploited labor of immigrants. To honor this would be to focus on the creation of opportunities for African Americans and immigrants. </p><p>There is no right to work for the ready, willing, and able. The U.S. does not give a tax break for hiring employees, we simply give a tax break and hope it "<a href="https://www.investopedia.com/terms/t/trickledowntheory.asp#:~:text=Trickle%2Ddown%20economics%2C%20or%20%E2%80%9C,entrepreneurs%20to%20stimulate%20economic%20growth." target="_blank">trickles down</a>." This is especially important because of the low tax rates of corporations themselves and the amount of tax burden shifted to employees. America does not have National Standards for unemployment insurance tax rates. Instead, States compete to attract business by lowering tax rates and underfunding their systems requiring Federal assistance. A job is a job is a job. Jobs making weapons are counted the same as any other job. Jobs overfishing or overharvesting trees or over extracting fossil fuels are counted the same as any other.</p><p><br />The 13th Amendment excepts from involuntary servitude those convicted of crimes. This must be changed. This racist exception is what allows the prison labor industry to exist. This, coupled with <a href="https://en.wikipedia.org/wiki/Disfranchisement" target="_blank">disenfranchisement</a> for felony convictions, is the second barrel of the White shotgun that has been blasting away at Black People for generations and must stop.</p><p>___________________________________________________________________________________</p><p>(5) <u>Housing</u>. There is no right to decent housing in America. If you are an addict or mentally ill you may be living outside in America. Ronald Reagan said doing so was a choice, but did not examine the capacity of the decision maker who makes such a choice.</p><p>The majority of mortgages in America are guaranteed by the Federal Government in programs that until 1965 <a href="https://en.wikipedia.org/wiki/The_Color_of_Law" target="_blank">excluded people of color by law</a>, and continue to exclude them in fact today. We owe it to our brother and sister citizens of color to provide fair housing opportunities. The <a href="https://en.wikipedia.org/wiki/White_supremacy" target="_blank">White Supremacist</a> allotment of housing cannot be undone, but we should not pretend that some <a href="https://www.theatlantic.com/magazine/archive/2014/06/the-case-for-reparations/361631/" target="_blank">reparations</a> for this egregious harm that created the White Suburbs all across America <i>(where I have lived my entire 53 years of life) </i>is not owed.</p><p>Government regulation must play in role in stabilizing housing in America so that the<a href="https://www.investopedia.com/terms/m/mbs.asp" target="_blank"> mortgage backed securities</a> <a href="https://www.investopedia.com/terms/d/derivative.asp" target="_blank">derivative</a> fueled <a href="https://en.wikipedia.org/wiki/Financial_crisis_of_2007%E2%80%932008" target="_blank">global destruction of trillions in value in 2008</a> does not recur.</p><p>In America, taxpayers who itemize can claim the mortgage interest deduction up to $1 million. So, taxpayers subsidize housing for citizens who pay $1 million in mortgage interest while some Americans sleep in tents. I claim the deduction every year, even though I am deeply philosophically opposed to the existence of the deduction. The deduction should be eliminated and revenue devoted to decent affordable housing for all Americans. <i>Why should taxpayers subsidize a lawyer, me, to live in a $1.6 million dollar house?</i></p><p>___________________________________________________________________________________</p><p>(6) <u>Education & Training</u>. There is no right to quality education or job training in America. Higher education costs have outstripped inflation for decades leaving behind more low income talented and deserving students every year. If America was a meritocracy like <a href="https://www.juilliard.edu/" target="_blank">Julliard</a> or sports, then we would be scouring everywhere for promising young doctors, engineers, scientists, mathematicians, and computer scientists and not just looking for talented musicians, actors, dancers, and athletes. We should be looking for all talent of every kind and nurturing it without regard to race, ethnicity, religion, disability, sex, income, wealth, or any other factor unrelated to what a person can contribute with whatever reasonable accommodations are necessary to allow the growth of talent and ability.</p><p>India has a very successful decades long program for getting people out of poverty by promoting STEM education. Why doesn't America have something similar? By putting STEM schools in low income black and brown neighborhoods like East Harlem or on Indian Reservations, we would all be better off. If a low income white student went to such a school, then the education would be much deeper than science and math and would include a broader social awareness. Perhaps some solidarity regarding improving one's chances in life might transcend race.</p><p>When I was in law school in Spokane, there was a need blind racial diversity scholarship. There was a black man who drove a BMW 750, who was much richer, smarter, and more capable than I am. He was not disadvantaged. I talked to him about this issue and he said he thought the scholarship should be need based, but if they were stupid enough to give it to him he would take it. He was just like me taking the mortgage interest deduction even though I think it is bad public policy.</p><p>___________________________________________________________________________________</p><p>(7) <u>Healthcare, Childcare, & Elder Care</u>. There is no right to Healthcare in America. There is no National Health Service. Medicare is age restricted. We need a continuous cost/benefit/risk analysis to know why costs are so high and outcomes are not as good as other countries. America is a big country. Why can't we have the private system we have plus a National Health Service plus expanded Medicare?</p><p>The Government's role should be to notice needs not met by free market capitalism, and to meet those needs. At a minimum, Government needs to address the fact that medical debt is the leading cause of bankruptcy in the U.S. <i>(I practice bankruptcy law)</i> and medial bills are slowly bankrupting America itself.</p><p>___________________________________________________________________________________</p><p>(8) <u>Health of Media</u>. Freedom of the Press. The Watchdog Role of the Press. The Fourth Estate (the other three being Executive, Legislative, & Judicial). Media Matters. The People must know what their Elected Representatives are doing on their behalf, and how they are doing it. The People must know of breaches of the Public Trust whether they be trust in Government or Trust in companies and private institutions to treat them fairly. Before <a href="https://en.wikipedia.org/wiki/Telecommunications_Act_of_1996" target="_blank">1996</a>, many television stations, radio stations, & newspapers were locally owned by families. Today, virtually none are. The <a href="https://therealnews.com/the-billionaire-class-is-not-fit-to-rule-paul-jay" target="_blank">Billionaire Class Rules American Media</a>. Multinationals and the Billionaire Class have so much money to spend litigating, and the Federal Government has so much Classified information and prosecutes for its release, that fear of reprisal for whistleblowing on injustice is very real. </p><p>I watch <a href="https://en.wikipedia.org/wiki/Last_Week_Tonight_with_John_Oliver" target="_blank">John Oliver's program on HBO</a>. HBO lawyers review the content of the program for risks before airing. John Oliver was still sued frivolously by the owner of a mining company. The suit was dismissed, but much money and time was spent, the aggrieved party was not made whole, and the message was received. Rich people can abuse the legal system, and get away with it. Speaking of rich people abusing the legal system, why is it legal to use <a href="https://en.wikipedia.org/wiki/Non-disclosure_agreement" target="_blank">Non-Disclosure Agreements (NDA)</a> to cover up felonious sexual assault as Donald Trump did (and apparently still does) repeatedly? If I went into Court and tried to enforce an NDA regarding the sale of heroin laced with Fentanyl, that suit would be (and should be) dismissed at the least. However, if a serial rapist tries to enforce an NDA that may be allowed. Why? Shining a light on the dark mold of injustice and disinfecting it is what a healthy media does. Without the Media, the mold will spread and spread until finally we will be like the fish who asks "What's water?". We will ask "What's mold?" because it is everywhere.</p><p>___________________________________________________________________________________</p><p>(9) <u>Health of Government</u>. Measuring the effects of the highest marginal tax rate of society clearly shows that it's lowering dramatically increases wealth and income inequality. Tax breaks follow an <a href="https://www.sciencedirect.com/topics/economics-econometrics-and-finance/kuznets-curve#:~:text=The%20relationship%20between%20income%20inequality,implying%20that%20income%20inequality%20will" target="_blank">inverted U curve</a> such that they can stimulate growth at first, then become neutral, and then bend down to increase inequality.</p><p>Continuous and vigorous protection of voting rights is essential for the functioning of a democracy. Free and fair elections are the bedrock of authority of our representative Government. The Electoral College must be eliminated, D.C. must be given statehood, and all elections should be held by mail with postage and costs paid by the Federal Government to even out access to the polls. The USPS is required to serve every address in the United States regardless of cost. We should use the USPS to transport all ballots, which would add the Federal crime of tampering with the mail to any other Federal crime associated with ballots. Only the Federal Government can prevent States from disenfranchising their own citizens through polling restrictions. America has a long history of <a href="https://www.americanprogress.org/issues/race/reports/2019/08/07/473003/systematic-inequality-american-democracy/" target="_blank">racist voter suppression</a>. Enough is enough.</p><p>America is the largest multicultural multiethnic democracy in the World. America is an experiment. No other country in the history of the World has done what America is attempting to do. Our experiment is under threat from within and without. <a href="https://en.wikipedia.org/wiki/Fascism#:~:text=Fascism%20(%2F%CB%88f%C3%A6%CA%83,in%20early%2020th%2Dcentury%20Europe." target="_blank"> Fascism</a> is the seizure of the State apparatus for private wealth and power gathering at public expense. That is exactly what was happening when Donald Trump became President. The Postmaster General reduced the ability to handle ballots. The EPA Director stopped enforcing environmental laws. The Attorney General stopped enforcing white collar crime laws and consent decrees with Police Departments regarding civil rights violations (I believe this helped foster the culture that lead to the death of George Floyd).</p><p>China actively rejects the United Nations Universal Declaration of Human Rights, which is part of the proud legacy of Eleanor Roosevelt. China has the largest electronic surveillance state in the world and exports its expertise to increase its wealth, power, and influence. Because of the WTO rules secretly enforced in Geneva, the United States cannot refuse to import clothing made by the slave labor of in concentration camps.</p><p>America needs to wake up to the fact that it is not just foreign terrorism caused in large part by our military and economic hegemony that threatens us. We have much more dangerous domestic terrorists and enemies of democracy and much more dangerous foreign under miners of freedom and democracy.</p><p>America can be, and should truly be, that "shining city on a hill" that Ronald Reagan described. Only Justice will get us there. <u>Social Justice</u> (an end to White Supremacy and a celebration of the fact that America is the most diverse Nation in the history of the world); <u>Economic Justice</u> (more wealth & income equality); <u>Political Justice</u> (voting rights); <u>Justice for All Life and the Conditions Necessary to Support Life</u> (stewardship of the Earth and all of the plants, animals, fish, and creatures great and small).</p><p>___________________________________________________________________________________</p><p>(10) <u>Health of the Financial System</u>. States should have Sovereign Wealth Funds (SWF) and State Banks. The SWF would be entirely funded with voluntary gifts - no tax dollars. 5% of the Fund would be sold every year and used for Education. That way the tax burden could be alleviated and elected officials would have more money to direct money to the needs of their constituents as they were elected to do. Many wealthy people would donate to such a protected Fund. Citizens could create widespread Charitable Remainder Trusts for the benefit of their children and grandchildren. For example, 5% of $1 million is $50,000. So, for $1 million a parent or grandparent could give guaranteed minimum income for life with the remainder to go to the SWF upon death. The recipient pays taxes on the $50,000 in income and can give some of that income to charities, churches or other non-profits. That way there is an ever increasing cycle of private benefit and security as well as public benefit and security and not for profit benefit and security. $10 million would give $500,000 a year for life guaranteed. There is no limit. $100 million would give $5 million a year guaranteed. That would have been a much better use of the money that Fred Trump illegally transferred to his adult children in order to avoid estate tax. A Charitable Remainder Trust avoids estate tax legally and benefits society instead of being a crime with private benefit and tax evasion.</p><p>The State Bank would conduct all government business and pay all State benefits to accounts at the bank. Checking would be free for all; Direct Deposit would be free for all. People receiving Social Security, retirement, or pensions would have Exempt Accounts such that no other funds could be deposited and no creditor could attach the funds. All Marijuana business funds could be kept in the State Bank because it would not be FDIC insured, but self-insured. The purpose of the State Bank is to meet the needs of low-income citizens and citizens not currently served by banks instead of paying for the use of private banks with public funds that could be better spent.</p><p>__________________________________________________________________________________</p><p>(11) <u>Transportation</u>. People operating in a free market produce a wide variety of gas and diesel vehicles. There are some things that the market does not do well without some government intervention. For example, the low cost of leaded gasoline drove the market for decades before scientists sounded the alarm that the health costs far outweighed any savings. That is why all gas is unleaded today. Without the connection between scientists and legislators with the support of a knowledgeable public (See Health of Media), we would still be poisoning ourselves. </p><p>I grew up riding in a leaded gas V-8 when the National Speed Limit was 75 mph and there was no such thing as day running lights or air bags. Why don't we speed govern all vehicles in America at 90 mph? Doing so would save thousands of lives per year. Why don't we have always on lights in every vehicle? Doing so would save thousands of lives per year. Why don't we have true autonomous breaking so that collision is impossible? Doing so would save thousands of lives per year. The point is to have public discourse regarding the costs, benefits, and risks of Government Intervention.</p><p>Tesla is profitable because the company sells its emissions credits to other companies that manufacture large trucks and SUVs. Big business and Big Government interact and need each other. Tesla is an example of the public interest in zero emission electric vehicle proliferation being made possible by government emissions standards.</p><p>At one time there was a tax break only for the largest gas guzzling vehicles, which was the result of lobbying. Media attention on this misuse of public funds ended the tax break. That is an example of money corrupting temporarily and a healthy media shining a light on that corruption and putting a stop to it. That is the way the system should work. Lobbyists will continue to vigorously attempt to get every benefit possible for their clients. If the media is healthy, the public will decide (and change through their representatives) what is too much of a public expense for too great a private benefit. If you believe as Ronald Reagan did that Government is the problem and Media is the problem, then you are most likely wealthy and privileged because it is the Billionaire Class for whom Government and Media are the problem. For the rest of us, Government and Media are our only hope for change.</p><p>There is no positive public right in America to transportation. If there was, then there would be much more and better investment in cleaner buses, trains, and subways for the people who need public transportation the most.</p><p>___________________________________________________________________________________</p><p>(12) <u>Family, Community, & Meaning</u>. Impossible to quantify. However, if churches, charities, and non-profits are a source of meaning for many people and the Government exempts them from taxes, then the Public has an interest in the conduce subsidized by the Public.</p><p>The Catholic Church <i>(I was raised Catholic and my Aunt was a Nun) </i>pays no taxes but exerts considerable political influence including <a href="https://www.ncregister.com/blog/supreme-court-catholics" target="_blank">6 of the 9 current Supreme Court Justices</a> and the <a href="https://en.wikipedia.org/wiki/Alfred_E._Smith_Memorial_Foundation_Dinner" target="_blank">Al Smith Dinner</a>.</p><p>Why does the U.S. have a system where "churches" like Scientology that were created for the purpose of avoiding taxes are allowed their taxpayer subsidized existence without providing discernable benefit to the taxpaying public?</p><p>Why does the U.S. give a tax break to <a href="https://www.thenation.com/article/society/bill-gates-foundation-philanthropy/" target="_blank">Bill Gates</a> for gifts overseas through his Foundation that amount to taxpayer subsidized private exercise of foreign policy? I agree that the gifts are desperately needed and should be made. I loudly applaud Bill Gates for doing so. I just do not think that <a href="https://www.theguardian.com/books/2015/oct/24/no-such-thing-free-gift-gates-foundation-philanthropy-review" target="_blank">unelected private citizen billionaires</a> should be using <a href="https://privatebankingconcepts.com/how-bill-gates-really-keeps-all-the-money-he-gives-money-to-his-foundation/" target="_blank">tax breaks</a> to do so.</p><p>All tax exemptions for churches, charities and non-profits should be eliminated - and tax paid. The tax break would be for those who donate to the payment of the tax of such organizations. The more tax breaks an organization (or Church such as the Catholic Church) gets the more Government Scrutiny it should receive to ensure that the public interest is in fact being served. I believe that system would protect the public better, and provide more accountability and transparency. Gifts would not be limited to the amount of tax, of course, but because tax is being paid from donations that allow non-profits to keep more of their revenue the public interest would be served by both the mission of the non-profit and its tax payments instead of being subverted.</p><p> ____________________________________________________________</p><p>America gives tax breaks (and tax penalties) based on the number of children and marital status. Government should get out of this business. Rewarding overbreeding in an overpopulated world of over 7 billion people largely reliant on non-renewable extraction of fossil fuels is not something Government should be doing. Penalizing people for getting married is not something Government should be doing. All tax should be individual regardless of marital status. Married people each report half of the joint income. All retirement contributions of married people should be automatically divided in half so that each spouse always has the exact same contribution. A ridiculous amount of time and money is spent in divorce dividing up retirement accounts, and it is often done incorrectly. A simple automatic system would reduce anxiety. The payroll deposits of married people should also automatically be divided in half. If everyone in the State has a State Bank account, this is simple to do. I have seen many cases in which the husband used money to control the wife and is abusive. A simple automatic system could do a lot for women.</p><p><i>I am a big fan of Married Separate Property Trusts for married women (I also practice Estate Planning). A woman who has a Married Separate Property Trust account can receive gifts throughout the marriage and can receive inheritance in a manner unaffected by the marital community. <b>Husbands have to be nicer to wives who have their own money. </b> Generations of women fought long and hard for the right to own property and to vote, instead of being voiceless chattel property. I encourage my female clients to embrace these rights, and to rejoice that no longer does a wife's inheritance belong to the husband. No longer is that inheritance managed by a male relative if the husband dies.</i><br /></p><p>Instead, America should have a much more robust negative income tax system. One of the most important functions of Government is income redistribution. An essential aspect of politics the challenge of making this redistribution palatable to those from whom the redistributed income comes.</p><p><a href="https://en.wikipedia.org/wiki/Negative_income_tax" target="_blank">Negative Income Tax</a> is a variation of <a href="https://en.wikipedia.org/wiki/Universal_basic_income" target="_blank">Universal Basic Income</a>. If the system was an electronic monthly payment and integrated with a State Bank that had an account for every low-income person in the State, then a regular flow of income would be directed at the poorest neighborhoods in America.</p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-32668735566919521902021-08-04T10:34:00.008-07:002022-05-11T19:54:22.449-07:00LAWYERS NEED A HIPPOCRATIC OATH<p style="text-align: center;"><b> LAWYERS NEED A HIPPOCRATIC OATH</b></p><h1 style="text-align: left;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5feZx9hbQsG6QlPaMeUP6vtTNOi8hr7hspJal4_vIvFQqzPOR-nz3E1jUkydc8qaqhtb1_wvQE91EecSbFhTnUMBokngjf2xKsu-vGhFnXxs0xZlf-R6ncXflwRP_b0UR7FrIriMqCko8/s485/330px-Hippocrates.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="485" data-original-width="330" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5feZx9hbQsG6QlPaMeUP6vtTNOi8hr7hspJal4_vIvFQqzPOR-nz3E1jUkydc8qaqhtb1_wvQE91EecSbFhTnUMBokngjf2xKsu-vGhFnXxs0xZlf-R6ncXflwRP_b0UR7FrIriMqCko8/s320/330px-Hippocrates.jpg" width="218" /></a></div><br /><b><br /></b></h1><h1 style="text-align: left;"><b>What is the purpose of law if not to promote harmony among people?</b></h1><div><b><br /></b></div><p><b>Doctors swear to "First, Do No Harm." Lawyers should so swear.</b></p><p><b>Harmony comes through Peace - Peace through Justice.</b></p><p><b><br /></b></p><h2 style="text-align: left;"><b>If a Lawyer does harm and follows the Law - </b></h2><h2 style="text-align: left;"><b>the Law must be changed.</b></h2><div><b><br /></b></div><p><b>A recent ruling by the Missouri Supreme Court held that an innocent black man, <a href="Lamar Johnson" target="_blank">Lamar</a></b></p><p><b><a href="Lamar Johnson" target="_blank">Johnson</a>, </b><b>who had served </b><b>43 years </b><b>in prison must remain in prison. </b></p><p><b>The reasoning was that appeals were exhausted.</b></p><p><b>Factual innocence was irrelevant - such an unjust system must not stand.</b></p><p><b>There is no statute of limitations on murder. </b></p><p><b>There should be no statute of limitations on factual innocence of murder.</b></p><p><b><span style="color: red;">When Finality of Wrong Decisions is more important than the fact that the Decisions are wrong,</span></b></p><p><span style="color: red;"><b> we </b><b>have truly lost our way and must change course.</b></span></p><p><b>We do not serve the Law; the Law serves Us - the People. </b></p><p><b>The People make the Law through their elected Representatives.</b></p><p><b>The People can change the Law.</b></p><p><b><br /></b></p><h2 style="text-align: left;"><b>The Long Hard Days of White Supremacy expressed in the Law of the United States must end.</b></h2><p><b>It is shameful and Gravely Wrong.</b></p><p><b><br /></b></p><p><b><u>Like Doctors, Lawyers must never forget that we are Human Beings First</u>. </b></p><h3 style="text-align: left;"><b><span style="color: red;">We should Do No Harm to our Fellow Citizens. </span></b></h3><h3 style="text-align: left;"><span style="color: red;"><b>We should Do No Harm to the Harmony Among Us.</b></span></h3>Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-13437781136213665232015-05-01T20:20:00.001-07:002022-05-11T19:55:15.822-07:00Making a Difference with Property & Debt Classifications<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNt_TXqTlSkDettqKt0nL8bgeJmFezdOFr6NR5k820sVyloH-C3KR5XvNYt5RQbTplEL1rbDfGHSX0WLVQ9UeRQvaFWN4zQ3UIYbPfp6Hl3gaQoieoNu0d6t3UfYHCx0Ptg83hciT2TmLk/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjNt_TXqTlSkDettqKt0nL8bgeJmFezdOFr6NR5k820sVyloH-C3KR5XvNYt5RQbTplEL1rbDfGHSX0WLVQ9UeRQvaFWN4zQ3UIYbPfp6Hl3gaQoieoNu0d6t3UfYHCx0Ptg83hciT2TmLk/s1600/brand.png" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
by Christopher S. Mulvaney</div>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrJghbnmkl2McfbbbhDMJ9sUVmZtU2x8d-zBDWcIQwUn2f0gk95FmH725w8-1GdW5igsKGAzQGXs0ml6gJjoSWGpsO8kfsJJBVH8gvZOmjjHsW_HIyUzpI35c86HCMr5DANCK3P4GrXWrJ/s1600/Property+&+Debt.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrJghbnmkl2McfbbbhDMJ9sUVmZtU2x8d-zBDWcIQwUn2f0gk95FmH725w8-1GdW5igsKGAzQGXs0ml6gJjoSWGpsO8kfsJJBVH8gvZOmjjHsW_HIyUzpI35c86HCMr5DANCK3P4GrXWrJ/s1600/Property+&+Debt.gif" height="512" width="640" /></a></div>
<br />
<br />
<br />
Above is a chart to assist clients in visualizing the different ways property and debt may be held and what the differences result based upon these distinctions. Property in Washington state may be held by the marital community or by each spouse separately, or a combination of the two. Single people may hold property as joint tenants with right of survivorship or otherwise jointly own assets, but there is no presumption of community property that applies no matter how property is titled as there is with community property.<br />
<br />
<b><u>In a Trust or Not in a Trust</u></b><br />
<br />
Property may be held in a Community Property Revocable Living Trust or a Separate Property Revocable Living Trust. Doing so makes the property a non-probate asset, meaning that a Personal Representative does not need to be appointed by the Court to transfer the property; the Successor Trustee may do so. Holding property in a Separate Trust as a married person with a prenuptial or postnuptial agreement clearly identifies the property as separate and sets out the limits of contributions to separate property while married. The purpose of doing so is to rebut the presumption of community property clearly and in writing to protect against the other spouse's claims as well as the separate creditors of the other spouse.<br />
<br />
<b><u>Burdened by a Lien or Not</u></b><br />
<br />
Property itself has potential liability for debts either in addition to or instead of the potential personal liability of the individual(s) owning the property. This liability is referred to as a security interest, the right to repossess or foreclose for default on payments. Personal bankruptcy discharges personal liability, but does not affect liens except under limited circumstances in Chapter 13 (See Lien Stripping & Cramdown entries in this Blog). That is why a creditor may take back a car or boat, but may not sue you for the deficiency if you have obtained a bankruptcy discharge.<br />
<br />
<b><u>Dischargeable versus Non-Dischargeable</u></b><br />
<br />
Knowing whether a debt may be discharged in bankruptcy is important in determining negotiating leverage and planning which debts to pay first. Always pay non-dischargeable debt first. For example, student loans are not dischargeable in bankruptcy. So, paying credit card debt while not paying student loans when eligible for a Chapter 7 discharge makes no financial sense.<br />
<br />
<br />
<br />
<br />
MULVANEY LAW OFFICES, PLLC<br />
<div>
<div style="line-height: 100%; margin-bottom: 0in;">
<a href="https://www.blogger.com/null" name="gc-number-0"></a>14205 SE 36th St Ste 100<br />Bellevue, WA
98006-1553<br /><a href="http://www.mulvaneylawoffices.com/">www.mulvaneylawoffices.com</a><br />Phone: 425-649-1190<br />Fax:
425-223-3197<br /><br /><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a>
</div>
</div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-47483119586547758662015-01-25T19:18:00.002-08:002015-03-19T14:31:03.468-07:00Directions to Mulvaney Law Offices, PLLC<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<b style="font-size: 13px; font-weight: normal;">
</b>
<b style="font-size: 13px; font-weight: normal;"><span style="font-size: 18px; text-decoration: underline;"> </span></b><br />
<div class="separator" style="clear: both; text-align: center;">
<b style="font-size: 13px; font-weight: normal;"><span style="font-size: 18px; text-decoration: underline;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></span></b></div>
<br />
<br />
<br />
<b style="font-size: 13px; font-weight: normal;"><span style="font-size: 18px; text-decoration: underline;">Directions to Mulvaney Law Offices, PLLC</span></b><br />
<b style="font-size: 13px; font-weight: normal;"><span style="font-size: 18px; text-decoration: underline;">14205 SE 36th St Ste 100 Bellevue, WA 98006-1553</span></b><br />
<b style="font-size: 13px; font-weight: normal;"><span style="font-size: 18px; text-decoration: underline;"><br /></span></b>
<b style="font-size: 13px; font-weight: normal;"><span style="font-size: 18px; text-decoration: underline;">From I-90 Eastbound</span><br />
<span style="font-size: 18px;">
Exit #10B to Richards Road. Go straight passed stoplight to SE36th St.
passed the Factoria Marketplace Mall and T-Mobile. The Premier Business
Centers Building is about 1 mile on the right.</span><br />
<br />
</b><b style="font-size: 18px; font-weight: normal;"><span style="text-decoration: underline;">From I-90 Westbound<br />
</span>Exit #11 to 150th SE. Turn right/west at second stoplight (SE
38th St. with the Chevron station on the corner) which becomes SE 36th
St. The Premier Business Centers Building is about 1 mile on the left.<br />
<br />
<span style="text-decoration: underline;">From I-405 Southbound</span><br />
Exit #11 Spokane I-90 East. Exit #11A 150th SE. Turn right/west at
second stoplight (SE 38th St. with the Chevron station on the corner)
which becomes SE 36th St. The Premier Business Centers Building is
about 1 mile on the left.<br />
<br />
</b><b style="font-size: 18px; font-weight: normal;"><span style="text-decoration: underline;">From I-405 Northbound<br />
</span>Exit #10 Coal Creek Parkway. Turn Right on Coal Creek Parkway.
Turn Left on Factoria Blvd. Turn Right on SE 36th St. at the Factoria
Marketplace Mall (just before I-90). The Premier Business Centers
Building is about 1 mile on the right.</b><br />
<b style="font-size: 18px; font-weight: normal;"></b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6cas5DbrnO6H5IVKK9WZVe5q7TAt1WsUADnB9IOzGI_I-GWjW3wwHFUh3xXBvvKXKgcKpAuGIpTk-qt-NNipX7x2GFnO95aXMq5EslUtSi22qSTGUdCfqxjcU-QWrqVQ1gZlNhZafeEuT/s1600/BEL-Building_0.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6cas5DbrnO6H5IVKK9WZVe5q7TAt1WsUADnB9IOzGI_I-GWjW3wwHFUh3xXBvvKXKgcKpAuGIpTk-qt-NNipX7x2GFnO95aXMq5EslUtSi22qSTGUdCfqxjcU-QWrqVQ1gZlNhZafeEuT/s1600/BEL-Building_0.jpg" /></a></div>
<b style="font-size: 18px; font-weight: normal;"></b><br />
<b style="font-size: 18px; font-weight: normal;"></b><br />
<b style="font-size: 18px; font-weight: normal;">
</b>
<b style="font-size: 18px; font-weight: normal;"></b><br />
<b style="font-size: 18px; font-weight: normal;"><br />
Below are some details that may help you to locate my office more easily. <br />
<br />
On the map above, 142nd Place is the overpass over I-90 that leads to
the park and ride and Bellevue College. The parking lot entrance is the
first driveway east of the overpass. <br />
<br />If you are headed east on SE 36th St. turn right as soon as you go
through the light at 142nd Place. If you miss the first entrance, there
is another entrance before you reach the Windermere Building.
<br />
<br />If you are headed west on SE 36th St., then turn left into the first
driveway after you pass the Windermere Building. If you miss the first
driveway entrance, there is a second entrance before you reach the
light at 142nd Place.
<br />
<br />
Suite 100 is the entire first floor of the Premier Business Centers
Building. My office number is 144 within Suite 100. It is a window
office facing west. The receptionist leaves at 5 p.m. and the outside
door is often locked at that time as well, so please call me at
425-649-1190 to greet you after hours. Thank you. I look forward to
meeting you.</b><br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><b style="font-size: 18px; font-weight: normal;"></b><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-30399579471180604942015-01-18T21:38:00.002-08:002022-05-11T19:54:58.999-07:00Income Based Student Loan Repayment<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br />
<br />
Below is a link to information about income based repayment programs for student loans that can set your required payment at zero and keep you out of default. Payments for many people are more affordable under theses programs.<br />
<br />
<a href="http://ibrinfo.org/" target="_blank">IBRinfo</a><br />
<br />
<br />
<div class="reg-box-small-top">
<div class="reg-box-small-bottom">
<div class="reg-box-small-center">
<div class="reg-box-small-content">
<div class="ffel" style="margin: 0px 0px 0px 15px; padding: 0px; width: 172px!important;">
Income-Based
Repayment and Pay As You Earn are two ways to help keep monthly
payments affordable based on your income and family size. Visit the
Department of Education’s Repayment Estimator to find out what your
payments might be.</div>
<div align="center" class="ffel">
<a href="https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action" target="_blank"><img border="0" src="http://ibrinfo.org/images/button-estimate-your-payments.png" height="63" style="margin-bottom: -8px; margin-top: 5px;" width="168" /></a></div>
</div>
</div>
</div>
</div>
<br />
<br />
<a href="http://ibrinfo.org/what.vp.html"><b>Income-Based Repayment</b> (IBR)</a>
is a way to make your federal student loan payments more manageable.
And if you're a teacher or work in government or at a nonprofit
(501(c)(3)) organization, you might qualify for a new type of <a href="http://ibrinfo.org/what.vp.html#pslf"><b>public service loan forgiveness (PSLF)</b></a> after 10 years of eligible payments and employment.<br />
<br />
As of December 21, 2012, recent college graduates with federal student loans can <a href="https://studentloans.gov/myDirectLoan/index.action" target="_blank">apply</a> to
lower their monthly payments using the <a href="http://studentaid.ed.gov/repay-loans/understand/plans/pay-as-you-earn" target="_blank">Pay
As You Earn</a> plan. This new repayment plan has a lower monthly payment
cap than the more widely available <a href="http://www.studentaid.ed.gov/repay-loans/understand/plans/income-based" target="_blank">Income-Based Repayment</a> (IBR) plan. Pay As You Earn
also provides forgiveness after 20 years of payments, rather than 25 years in
IBR. President Obama recently proposed expanding Pay As You Earn to federal student loan borrowers who took out loans <i>before</i> October 2007 or those who stopped borrowing by October 2011. For more information about the expansion, read the <a href="http://www.whitehouse.gov/the-press-office/2014/06/09/factsheet-making-student-loans-more-affordable" target="_blank">White House fact sheet</a>. <br />
<br />
Below is a web site with information about your student loans.<br />
<a href="https://studentloans.gov/myDirectLoan/index.action">https://studentloans.gov/myDirectLoan/index.action</a><br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;">14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAPFvS8gBNfmWQCmPPVGGpenWKnHwYohggAYFEihCbq8uauR1f8Vo_XWh-QtQ0Uwh1G68hA4D2vm14fhfooobOTIHfJmWi5fR56YenzylOPPOZyN22P9ymkl4HwrLM8vZqljeLAiFZpZ9j/s1600/Signature+(2).gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><br /></a></div>
<br />
<div style="text-align: left;">
<br /></div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-90746136731204832402015-01-17T22:53:00.000-08:002015-03-19T14:35:25.276-07:00 5 Reasons to Hire MLO<b style="background-color: #f4eddd; color: black; font-family: arial,helvetica,sans-serif; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 11px;"><b style="background-color: #f4eddd; color: black; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 12px;"><br /></span></b></span></b>
<br />
<div>
<div style="display: block; overflow: hidden;">
<div class="separator" style="clear: both; text-align: center;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
</div>
</div>
<br />
<br />
<b style="background-color: #f4eddd; color: black; font-family: arial,helvetica,sans-serif; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 11px;"><b style="background-color: #f4eddd; color: black; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 12px;">
</span></b></span></b>
<br />
<div style="line-height: 150%;">
<b>1) <u>I care about
the outcome of your case</u>. </b><br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>If I don't believe I can
give you a high probability of achieving your desired<br />
outcome, I
would prefer you hire someone else. When I meet with you, I will
assist<br />
you in analyzing your situation as though it were a chess
game that has already<br />
been half played.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheBgbQs_7CFwU_SRDLoeGRCsjLjHUJDtyBAKZ6bHdbfhcttRsDF2T9FwhyS6EouGKSYSlnuMY_zJ9XHEidFkGbLePsuQ-RcbBzLAT_nY45-_0NhyI3OyhBwsxoKEqn6WR6qupzf0qivHpu/s1600/Chess.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheBgbQs_7CFwU_SRDLoeGRCsjLjHUJDtyBAKZ6bHdbfhcttRsDF2T9FwhyS6EouGKSYSlnuMY_zJ9XHEidFkGbLePsuQ-RcbBzLAT_nY45-_0NhyI3OyhBwsxoKEqn6WR6qupzf0qivHpu/s1600/Chess.png" /></a></div>
<br />
<br />
We will discuss options so that you can make the best next move for
yourself given the position of the pieces. </div>
<div style="line-height: 150%;">
If I am not suited to guiding you
in that move, I wish you the best in finding someone</div>
<div style="line-height: 150%;">
who is best suited for you.
</div>
<div style="line-height: 150%;">
<br />
<br /></div>
<div style="line-height: 150%;">
<b>2) <u>I care about
your experience of the process</u>. </b><br />
I am committed to
representation proceeding smoothly, so that you are <br />
pleasantly
surprised and delighted. At the end, I want you so say, "That
wasn't<br />
nearly as bad as I thought it was going to be."
</div>
<div style="line-height: 150%;">
<br />
<b>3) <u>I care about value</u>. </b><br />
I want each and every client to
feel that what they received from the<br />
representation was
worth what was paid and more. I am not the<br />
cheapest lawyer or the
most expensive. I aim for the place where the benefit<br />
to you is
greatest. I first consider what you need and focus on that. Then I
work<br />
with you regarding payment. I would rather do work that makes
a positive <br />
difference in your life and be paid less, than be paid
more and do something that<br />
doesn't matter to you.</div>
<div style="line-height: 150%;">
<br />
<b>4) <u>I care
about protecting your rights</u>.</b><br />
I strive for
excellence and continue to learn everything I can, so that I
can<br />
stand resolute between you and whatever you are facing.<br />
<br />
<br />
<br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYD9Bb3pjUQCH4cdIYgW1NQ3Z-3vQgBNcHipD5ldIf7w7Ndh3xjbZIBThXeOpqM1VrmVNWXBrhJoaJxl1ocXq6Sgp4WQ2RXtqWBp3JFqHZBLSyz-k6WqFfK0JkDn6pmai9yLIocHwXSzDs/s1600/No+Bullies.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYD9Bb3pjUQCH4cdIYgW1NQ3Z-3vQgBNcHipD5ldIf7w7Ndh3xjbZIBThXeOpqM1VrmVNWXBrhJoaJxl1ocXq6Sgp4WQ2RXtqWBp3JFqHZBLSyz-k6WqFfK0JkDn6pmai9yLIocHwXSzDs/s1600/No+Bullies.png" height="320" width="320" /></a></div>
<br />
<br />
<br />
I
am 6'5" tall and weigh over 300 pounds. You can think of me as
the intellectual <br />
equivalent of the guy in school who says to the
bully, "If you want to pick on </div>
<div style="line-height: 150%;">
someone, you are going to have to get
through me first."
</div>
<div style="line-height: 150%;">
<br />
<b>5) <u>I care
about you</u>. </b><br />
Addressing your legal issues takes place
within a larger context of <br />
transformation from who you were to
who you become after you have made the <br />
best choices for yourself
under your particular circumstances. I am privileged<br />
to be part of
the options and possibilities which open up to you having worked
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><span style="font-size: 14px;"><span style="font-size: 13px;"></span></span></a>through your legal issues, whether they involve obtaining a fresh
start in<br />
bankruptcy, divorce, planning the distribution of your
estate, or administering<br />
the estate of a loved one who has passed.</div>
<div style="line-height: 150%; margin-bottom: 0in;">
</div>
<b style="background-color: #f4eddd; color: black; font-family: arial,helvetica,sans-serif; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 11px;"><b style="background-color: #f4eddd; color: black; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 12px;"></span></b></span></b><br />
<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br />
<b style="background-color: #f4eddd; color: black; font-family: arial,helvetica,sans-serif; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 11px;"><b style="background-color: #f4eddd; color: black; font-size: small; line-height: 19px; margin: 0px; padding: 0px; white-space: pre;"><span style="font-size: 12px;"></span></b></span></b><br />Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-51974122852145727802015-01-17T20:31:00.000-08:002015-03-19T14:37:00.058-07:00Who I Am Professionally<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
MULVANEY LAW
OFFICES, PLLC is a <a href="http://www.sos.wa.gov/corps/search_results.aspx?search_type=simple&criteria=all&name_type=contains&name=mulvaney+law+offices&ubi=" target="_blank">Washington
State Professional Limited Liability Company (1202394)</a>, and is a
"debt relief agency" under federal law because we help
people file cases under the U.S. Bankruptcy Code. Christopher
S. Mulvaney (<a href="http://www.wsba.org/" target="_blank">Washington
State Bar Number 33595</a> )<br />
is the sole Member.<br />
<br />
Christopher
Sean Mulvaney, graduated C<i>um Laude</i> in 2002<i> </i>earning
his J.D. from <a href="http://www.law.gonzaga.edu/about/mission/" target="_blank">Gonzaga Law
School</a> in Spokane,Washington. Mr. Mulvaney was admitted
to practice law in Washington in 2003.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<u><b>LICENSURE
</b></u></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.wsba.org/" target="_blank">Washington
State Bar</a> 2003</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.waed.uscourts.gov/" target="_blank">U.S.
District Court for the Eastern District of Washington</a> 2003
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.wawd.uscourts.gov/" target="_blank">U.S.
District Court for the</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.wawd.uscourts.gov/" target="_blank">Western
District of Washington</a> 2008
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
Mr. Mulvaney's
<i><a href="http://www.mulvaneylawoffices.com/uploads/Mulvaney_Curriculum_Vitae_10-27-2009.doc" target="_blank">Curriculum
Vitae</a></i> is available below.
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/Mulvaney_Curriculum_Vitae_10-27-2009.doc" target="_blank">Mulvaney_Curriculum_Vitae_10-27-2009.doc<br />27.5
KB</a> </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
Schools Mr. Mulvaney attended are as
follows:<br />
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/Mulvaney_Gonzaga_Law_School_Transcript.pdf" target="_blank">Gonzaga
Law School JD Cum Laude 2002</a>
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.mulvaneylawoffices.com/uploads/Mulvaney_MOL_Transcript.pdf" target="_blank">Gonzaga
University Master of Arts in Organizational Leadership 1998</a><br />
<br />
<br />
Lawyers
I admire include Morris Dees of the <a href="http://www.splcenter.org/" target="_blank">Southern
Poverty Law Center</a> and<br />
Barry Scheck of the <a href="http://www.innocenceproject.org/" target="_blank">Innocence
Project</a>.</div>
<br /><div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;">14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br /></div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-52170993446616248922015-01-17T19:45:00.001-08:002015-03-19T14:38:26.848-07:00Pro Bono Publico<div style="line-height: 150%; margin-bottom: 0.1in;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<u><b>THE JESUIT MISSION
IN EDUCATION</b></u><br />
<br />
MULVANEY LAW OFFICES, PLLC strives to live up to
the Jesuit mission in education instilled at Gonzaga Law School.
Below is a quote from the leader of the Jesuits describing the
mission: <i><br /><br />The service of faith through the promotion of
justice is the mission that must be integrated as a priority into
each Jesuit work.Our purpose in education, then, is to form men and
women "for others." The Society of Jesus has always sought
to imbue students with values that transcend the goals of money, fame
and success. We want graduates who will be leaders concerned about
society and the world in which they live. We want graduates who
desire to eliminate hunger and conflict in the world and who are
sensitive to the need for more equitable distribution of the world's
goods. We want graduates who seek to end sexual and social
discrimination and who are eager to share their faith with others. In
short, we want our graduates to be leaders-in-service. That has been
the goal of Jesuit education since the sixteenth century. It remains
so today.<br /><br /> Peter Hans Kolvenbach, S.J. Superior
General of the Society of Jesus</i></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
Mr. Mulvaney volunteers at the Eastside Legal Assistance Program.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
"It's not
justice if it's not equal."</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
Mr. Mulvaney volunteers at the bankruptcy neighborhood legal
clinic<br />
sponsored by the King County Bar Association. Call
206-267-7070 <br />
Tuesday - Thursday from 9:00 am - 12:00 pm for an
appointment.<b> </b><img align="bottom" border="0" height="163" name="Image3" src="data:image/jpeg;base64,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" width="180" /><b> </b>
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<b>The
location and time of the clinic is below.<br />South Seattle - Mondays,
7:00-9:00 PM</b></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
3815 S Othello St,
Suite 105</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Seattle, WA
98118<br />
<br />
There are a lot of free legal resources available.
Below are a few.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<b>Washington
Pro Bono General Overview:</b> There are two main pro bono
programs that address the needs of Washington residents: Coordinated
Legal Education, Advice, and referral system (CLEAR) and the Crisis
Clinic.
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Coordinated Legal
Education, Advice, and referral system (CLEAR): Provides legal
referrals to low-income residents residing outside of King County in
civil matters. Call When seeking assistance, please call CLEAR Intake
before calling other legal services programs.
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.crisisclinic.org/main.html">Crisis
Clinic:</a> Provides referrals to low income King County residents in
civil matters. Service available Monday through Friday from 8 a.m. –
6 p.m. Service is not available on weekends, and messages may not be
left.
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<b>Washington
Pro Bono Contacts:</b></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Washington State
Bar<br />
Pro Bono and Legal Aid Committee <br />
Chair Dan Young (12020)
<br />
1000 Second Avenue <br />
Suite 3310 <br />
Seattle, WA 98104-1019
<br />
<a href="mailto:danryoung@netzero.net">danryoung@netzero.net</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
CLEAR Intake:
<br />
(toll free) 1-888-201-1014</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Crisis Clinic:<br />
For
the deaf and hearing impaired: 711<br />
Toll free 1-800-621-4636 (king
County only)
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<b>General
Information on a Variety of Consumer Law
Issues<br /><a href="http://www.nclc.org/for-consumers/brochures-by-topic.html" target="_blank">http://www.nclc.org/for-consumers/brochures-by-topic.html</a></b><br />
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<u><b>WASHINGTON STATE
LAW RESOURCES</b></u></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Click the image
below for a great source of Washington law information.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a> <a href="http://www.washingtonlawhelp.org/resource/questions-and-answers-on-powers-of-attorney" target="_blank"><img align="bottom" border="0" height="49" name="Image4" src="data:" width="96" /></a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<br />
<u><b>BAR
ASSOCIATION RESOURCES</b></u><br />
<br />
Washington State Bar Association Legal
Help<br />
<a href="http://www.wsba.org/resources-and-services/find-legal-help">http://www.wsba.org/resources-and-services/find-legal-help</a><br />
<br />
King
County Bar Neighborhood Legal
Clinics<br />
<a href="http://www.kcba.org/pbs/nlc.aspx">http://www.kcba.org/pbs/nlc.aspx</a><br />
King
County Bar Lawyer Referral Service<br />
<a href="http://www.kcba.org/lrs/">http://www.kcba.org/lrs/</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
King County Bar
Pro Bono Services<br />
<a href="http://www.kcba.org/pbs/legalhelp.aspx">http://www.kcba.org/pbs/legalhelp.aspx</a><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br /></div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-74470443917222386432015-01-17T19:35:00.002-08:002015-03-19T14:39:08.085-07:00Attorney Client Relationship<div style="line-height: 150%; margin-bottom: 0.1in;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>An attorney-client
relationship is formed by mutual agreement. Attorney does not have to
work on every matter for Client or work for every Client. Client does
not have to hire Attorney in writing, and may terminate Attorney's
representation at any time in writing (the right to be paid for work
already performed is not terminated, however). The Attorney-Client
relationship is a Principal-Agent relationship in which the Client is
the Principal and the Attorney is the Agent.<br />
<br />
In order for a
duties as an Attorney (other than the duty of confidentiality which
applies to prospective Clients as well as Clients) to arise, the
Principal/Client must request legal advice, and the Agent/Attorney
must agree to give legal advice. Signing this Agreement is not enough
(all by itself) to create an Attorney-Client relationship. Signing
the Agreement creates an Attorney and Prospective Client
relationship. It is only when Client requests services and Attorney
agrees to perform those services that an Attorney-Client relationship
is formed. <br />
<br />
<br />
<img align="bottom" border="0" height="120" name="Image1" src="data:image/png;base64,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" width="480" /><br />
<br />
<br />
Rights
& Responsibilities of Client and Attorney. A good fit
between Attorney and Client is imperative. Client must have a working
email address, and check it at least daily. Attorney will email
attached documents to Client. Once Client has retained the Firm,
Client can email Attorney questions directly. Please do not call with
questions. <br />
<br />
<u><b>Clients' Bill of Rights</b></u><br />
<br />
Client has the
right to expect Attorney to follow the Rules of Professional
Conduct. In addition to that, Clients of MULVANEY LAW OFFICES,
PLLC have the right to expect Attorney to put Clients' interests
first in all things, not just in avoiding conflicts of interest, but
in the broadest sense of commitment to Clients well being.
Clients should expect more than the minimum required. Clients
should expect that Christopher S. Mulvaney will not profit at their
expense because profit is expansively defined to include the positive
difference in the life of each Client. A positive difference is
not the same as a guaranteed outcome. A positive difference
includes how a Client feels about how Client was treated and whether
Client believes Client made the best choice for Client after
consideration of all alternatives.<br />
<br />
<br />
<u><b>Clients' Duties are the
Attorney's Bill of Rights</b></u><br />
<br />
Attorney has the right to expect
Client to be honest, not withhold information or provide false
information.<br />
<br />
Attorney has the right to expect Client to
communicate with Attorney regarding the representation and not
communicate with other lawyers, the Bankruptcy Trustee, US Trustee,
the media, or post online regarding the matter, or file complaints
against adverse parties without telling attorney first.<br />
<br />
Attorney
has the right to expect Client to read the information on this web
site and ask questions if Client doesn't understand something.
<br />
<br />
<br />
<u><b>Attorney's Duties</b></u></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Attorney's duties
are numerous. Below is an 81-page document containing the Rules
of Professional Conduct for Lawyers in Washington State.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/WA%20Rules%20of%20Professional%20Conduct.pdf" target="_blank">WA
Rules of Professional Conduct.pdf</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
Key duties
include: Competence, Diligence, Communication, Confidentiality,
Conflicts of Interest, Safeguarding Property, Trust Account Records,
Declining or Terminating Representation, and Duties to Prospective
and Former Clients.</div>
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-62399393535607724202015-01-17T17:10:00.001-08:002021-12-24T13:27:54.563-08:00Why I Became A Lawyer<div style="line-height: 100%; margin-bottom: 0in;">
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br />
<br />
I do what I do to
protect economically vulnerable people from exploitation because they
don't know their rights or how to assert them. Due to study and
experience, I also know that helping people is not as easy as it
sounds. Inherent in choosing to protect a Client is the
implication, that in my judgment, the Client is either unable or
unwilling to protect themselves perhaps because of a self-image that
says they deserve the treatment they are getting because of their own
mistakes and/or character flaws. My good intentioned offer of
legal counsel meant to make a client better off may not be received
as such.<br />
<br />
If Clients are thinking short-term in crisis
management mode, they are not thinking about long term implications
and lack perspective. That is part of why I prefer to do an
estate plan for every Client. There is nothing like thinking
about one's own death to put a situation in perspective.
Thinking about who is important to you, and what you want to leave
behind, is also useful. The things left behind are not the most
important. It is the feelings and relationships among surviving
loved ones that is important. Getting in touch with that
recognition is useful and helpful when dealing with debt issues
because of the natural tendency to devalue oneself because of being
in debt.<br />
<br />
<u><b>Helping Others Take Control. </b></u><br />
<br />
Another reason I prefer to do estate planning for
every client is that signing a Will, Trust, Power of Attorney for
Health and Finances, and a Living Will is taking, not just control,
but responsibility for what is possible to take control and
responsibility for and letting go of the rest. Planning for
ones own death is the ultimate recognition of human limitation.<br />
<br />
When
these principles of taking control of what is possible to control and
taking responsibility for what is possible to be responsible for, and
knowing the difference between the two, are applied to debtors in
bankruptcy possibilities emerge.<br />
<br />
<u><b>Enlightened View of Responsibility. </b></u><br />
<br />
One possibility is the
enlightened recognition that being responsible does not always mean
continuing to pay creditors no matter what. There is real
strength required to face the fact of being unable to pay all of
one's creditors in full and responding by filing for bankruptcy
protection, paying creditors as much as you can, if you can, and
starting fresh. There is no honor in continuing to pay
creditors in a futile effort at repayment if it means not meeting the
basic needs of your children or your self. There is also no
honor in not paying creditors when you are able to do so (and
especially when you are legally required to do so, if under the
bankruptcy code your ability to pay has been legally
determined).<br />
<br />
They key insight that I hope to assist Clients in
discovering for themselves, is that true control and responsibility
requires self-analysis to uncover the limits of each, so that every
Client will find the place of peace knowing that they did everything
they could to make the best choices for themselves under their
particular circumstances. Honesty about those circumstances is
critical. Omissions of assets, income, or debts or misstatements of
any kind undermine the process and make finding peace impossible
because of the lack of justice.<br />
<br />
Also inherent in my choice as
an Attorney to represent a Client is the implication that the Client
is worth representing. If I became a lawyer to protect
economically vulnerable people, and those people are lying and are
not economically vulnerable at all, it undermines why I do what I do
and dramatically decreases my job satisfaction. <br />
<br />
Just
because a Client is economically vulnerable and has rights that are
either being violated or at least not asserted, does not necessarily
mean that the Client is deserving of my time and effort. If a
Client fails to tell me that they have taken an action that may harm
their interests, that creates potential liability for me (or at least
embarrassment and damage to reputation that can affect outcomes in
future cases). It also makes representation very difficult and
stressful. Being invested in the well being of a Client who is
ignorant of and/or reckless with their own interests is one of the
scary things about being a lawyer.<br />
<br />
Another potential
implication of helping someone is that they, at least at some level,
don't have to take personal responsibility for themselves because
their lawyer is responsible for them. This can be an even
scarier part of being a lawyer.<br />
<br />
<u><b>Justice Takes Work. </b></u><br />
<br />
I do what I do because
Justice is not automatic. It takes constant and diligent work.
The work is never done at all, let alone done perfectly.
Justice is a blind balancing act. Justice, to me, is not about
representing debtors assuming that they are deserving of help, and
assuming that creditors are overreaching. Justice in the
context of creditor debtor relations is about seeing what is
important and what is not, what can be controlled and what cannot,
and seeing what responsibility and accountability really means for
each debtor.<br />
<br />
A more expansive view of one's place in society
that leads to positive choices is what I hope each Client achieves.
That place is faced ultimately in estate planning with the
realization that life is borrowed. It is a debt that will be
repaid sometime with absolute certainty; the question is to figure
out what matters for each person in the meantime.<br />
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>The loss of
a house, a car, money and property to creditors in bankruptcy does
not necessarily mean that a person's life is lessened in any way.
In fact, the process of making one's possessions less valuable by
paying creditors or surrendering property to creditors may lead
people to discover what is really most important to them. The
increased happiness, peace and well-being that comes from "rendering
unto Ceasar what is Ceasar's" will hopefully free people's time
and energy from worry about money to spending their time in a way
that is consistent with their most deeply held values, and is
ultimately a more satisfying legacy.<br />
<br />
The bottom line is that I
want Clients to be surprised and delighted to discover unexpected
benefits in the least likely places of estate planning and
bankruptcy, so that they see the silver lining of the dark cloud that
was there all along just waiting for attention.<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="43" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><div style="line-height: 100%; margin-bottom: 0in;"><b style="font-size: 18px; font-weight: normal;"><br /></b></div><div style="line-height: 100%; margin-bottom: 0in;"><b style="font-size: 18px; font-weight: normal;"><br /></b></div><div style="line-height: 100%; margin-bottom: 0in;"><b style="font-size: 18px; font-weight: normal;"><br /></b></div><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
</div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-66820666242099915802015-01-16T20:05:00.000-08:002022-05-11T19:55:40.730-07:00Credit Counseling <div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<u><b>Credit Counseling
Course</b></u><br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Online credit
counseling is required prior to filing for bankruptcy. Click
the link below (or copy and paste) to create an account to do the
credit counseling
course: <a href="https://t.yesware.com/tl/e2f6e90cd82ba04e0a6e6a22674f08624d80815b/b8b36bfc8467b38134b39b4ee9574a14/ccc4cfd1ef42a311991f3ab7ad035034?ytl=https%3A%2F%2Fdebtorcc.org%2Fbankruptcy-credit-counseling-course.aspx" target="_blank">https://debtorcc.org/bankruptcy-credit-counseling-course.aspx</a>
After you have created an account, you will be presented with 2
options; option 1 is to pay by credit card, and option 2 is to use
attorney code mulvaney425cc for MULVANEY LAW OFFICES, PLLC
to ensure that the $10 course fee is billed to me, and that I receive
your certificate by email. After your complete the course, you
will receive the following message with which to comply before you
get your certificate: "By law, to get your certificate you must
call 1 (800) 610-3920 (press option 7) during business
hours of Monday – Friday 9am to 9pm EST and
speak with a counselor. <b>YOU WILL NOT GET YOUR
CERTIFICATE UNTIL YOU COMPLETE THIS STEP".</b> </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
The certificate is
valid for 180 days; if not used by then, the course must be repeated.
Another credit counseling certificate is required if your case
is converted or if you dismiss and refile. Pay particular
attention to your budget because that information is useful in
preparing your petition. You must be logged into the online
course for 90 minutes to receive a certificate. </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
If you do not
obtain a credit counseling certificate, then your case will be
dismissed and closed. It costs $500 to re-open your case to receive a
discharge. The above information is provided as a courtesy to make
obtaining the certificates easier for debtors; Debtors are ultimately
responsible for making sure the credit counseling certificate is
obtained on time. Attached are instructions, disclosures, and
materials for the
course.<br />
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/Credit_Counseling___Financial_Management_Instructions__Disclosures___Materials.pdf" target="_blank">Credit_Counseling___Financial_Management_Instructions__Disclosures___Materials.pdf<br />291.0
KB</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<img align="bottom" border="0" height="2" name="Image2" src="data:image/png;base64,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" width="2" /><img align="bottom" border="0" height="2" name="Image3" src="data:image/png;base64,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" width="2" /></div>
<br /><div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
</div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-92131823826231506802015-01-16T19:49:00.000-08:002022-05-11T19:55:49.197-07:00Rebuilding Credit<div class="separator" style="clear: both; text-align: center;">
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br />
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Clients tell me
that they receive large volumes of offers of credit in the mail after
filing bankruptcy. Be wary of these offers. Do not attempt to obtain
credit prior to your discharge. After your discharge, you can rebuild
your credit by obtaining a single credit card and having the payment
deducted from your checking account in full every month. </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
There are three
ways to request a free annual credit report: </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
(1) By
Phone: Call 1-877-322-8228</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
You will go through a simple verification process over the
phone. </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
(2) Online:<br />
<a href="https://www.annualcreditreport.com/cra/requestForm?From=landing" target="_blank">https://www.annualcreditreport.com/cra/requestForm?From=landing</a> </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
(3) By
Mail: Complete the <a href="http://www.mulvaneylawoffices.com/uploads/Annual_Credit_Report_Request_Form.pdf" target="_blank">attached
form</a> and mail it. </div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Bankruptcy stays
on your credit report for 10 years from the date of
filing for chapter 7, and 7 years from date of
discharge for chapter 13 or 10 years from the date of
filing if no discharge is entered. Zero balance accounts
are removed after 7 years from date of last activity, so the
accounts will be removed from your report before the chapter 7
bankruptcy itself is removed, but zero balance accounts in chapter 13
will remain on your credit report for up to 12 years (5 years of
bankruptcy plus 7 years of no activity on the account). <br />
<br />
Rebuilding
credit in Chapter 13 is different than after a Chapter 7 discharge.
As long as you are in Chapter 13, you are not permitted to use credit
without Court approval. In Chapter 7, no Court approval is
needed to use credit immediately after discharge which usually occurs
less than 100 days after filing. If you remain in Chapter 13
for 5 years, the rebuilding of your credit doesn't start until you
get out of bankruptcy. You need at least 24 months of good
credit history following your bankruptcy discharge in order to apply
successfully for a home loan. So, Chapter 13 delays the
purchase of a home for at least 7 years, unless that plan is paid in
full and completed early.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Below are links to
credit bureau online dispute web sites.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page">http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="http://www.experian.com/disputes/main.html">http://www.experian.com/disputes/main.html</a></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://www.ai.equifax.com/CreditInvestigation/">https://www.ai.equifax.com/CreditInvestigation/</a><br />
<br />
<br />
Under Washington law, credit bureaus must convey your dispute to the
source of the information within five business days after receiving
your request for investigation. If credit bureaus determine
that the request is frivolous or irrelevant as defined by the Fair
Credit Reporting Act, credit bureaus will notify you within five
business days of the reasons for the decision. The results of the
investigation will be sent to you within five business days after the
investigation is complete. If you request, credit bureaus will
provide you with the company name, address and telephone number of
any person contacted during the investigation. If you believe that a
law regulating consumer credit reporting has been violated, you may
file a complaint with the Washington State Attorney General's Office,
Consumer Protection Division, 800 5th Ave. Suite 2000, Seattle, WA.
98104-3188,
1 800 551 4636.<br />
<a href="http://www.atg.wa.gov/FileAComplaint.aspx" target="_blank">http://www.atg.wa.gov/FileAComplaint.aspx</a>.
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<u><b>DO NOT CALL &
OPTING OUT OF MAIL SOLICITATIONS & CREDIT OFFERS</b></u><br />
<br />
Below is
the link to the National Do Not Call Registry where you can register
your home and cell phone numbers to limit calls from telemarketers.
There is a separate email verification to click for each number
you put into the
registry.<br />
<br />
<a href="https://www.donotcall.gov/register/reg.aspx">https://www.donotcall.gov/register/reg.aspx</a><br />
<br />
An
opt-out link for pre-screened offers of credit and insurance is
below:<br />
<a href="https://www.optoutprescreen.com/opt_form.cgi">https://www.optoutprescreen.com/opt_form.cgi</a><br />
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>You
can opt-out for 5 years electronically, or opt-out permanently by
mail.<br />
<br />
You can opt-out of catalog, magazine, and mail offers at
the link below to the Direct Marketing Association. You can use
this service to opt-out deceased people as
well.<br />
<br />
<a href="https://www.dmachoice.org/register.php">https://www.dmachoice.org/register.php</a><br />
<br />
The
Direct Marketing Association (DMA) also has an email Preference
Service for opting out of solicitations from DMA members at the link
below.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://www.ims-dm.com/cgi/optoutemps.php">https://www.ims-dm.com/cgi/optoutemps.php</a></div>
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-83599939447809477262015-01-16T19:07:00.000-08:002022-05-11T19:55:57.180-07:00Financial Management<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br />
<br />
<u><b>Financial
Management Course</b></u></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>Click the
following link (or copy and paste) to create an account to do the
financial management course, required after filing, but before the
341 meeting:
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://t.yesware.com/tl/e2f6e90cd82ba04e0a6e6a22674f08624d80815b/b8b36bfc8467b38134b39b4ee9574a14/28deac3712af2783ef717949f16a1a36?ytl=https%3A%2F%2Fwww.debtoredu.com%2Fpost-bankruptcy-course.aspx" target="_blank">https://www.debtoredu.com/post-bankruptcy-course.aspx</a> mulvaney425edu is the
attorney code for MULVANEY LAW OFFICES, PLLC to ensure that the
$10 course fee is billed to me, and that I receive your certificate
by email. You must enter your bankruptcy case number in order
to do the financial management course. You must enter my email
address - <a href="mailto:chris@mulvaneylawoffices.com" target="_blank">chris@mulvaneylawoffices.com</a> -
to ensure that your certificate is filed.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
Please contact
DebtorCC.org for any technical issues regarding the courses. Once the
course is complete, DebtorCC.org will email you (and my office) a
certificate of completion. I will file the certificate with the court
on your behalf. You must be logged in for 120 minutes to
receive credit.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
If you do not
obtain a certificate for completing the financial management course,
then your case will be closed without discharge. It costs $500 to
re-open your case to receive a discharge. The above information is
provided as a courtesy to make obtaining the certificates easier for
debtors; Debtors are ultimately responsible for making sure the
financial management certificate is obtained on time. Attached
are instructions, disclosures, and materials for the course.</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<br />
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/Credit_Counseling___Financial_Management_Instructions__Disclosures___Materials.pdf" target="_blank">Credit_Counseling___Financial_Management_Instructions__Disclosures___Materials.pdf<br />291.0
KB</a><br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a></div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-55358265734785704252015-01-16T19:01:00.000-08:002022-05-11T19:56:03.577-07:00Debtor's Rights<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br /></div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
By far, the
most common questions I receive concern Creditor's Rights (what
Creditors can, and cannot do, and what Debtors can do about it).
It is only by understanding Creditor's Rights that Debtor's Rights
may be understood. <br />
<br />
<u><b>JUDGMENT PROOF</b></u><br />
<br />
Judgment Proof means that a Creditor cannot successfully sue you and
obtain a Court Order stating that you owe a certain amount to a
certain Creditor. This Order is called a Judgment and entitles
the Creditor to exercise five primary rights:<br />
<br />
(1) writ of garnishment (taking 25% of your net pay for 60
days, then renewing the writ indefinitely, to collect up to the
amount of the Judgment at 12% plus costs of collection), <br />
<br />
(2) writ of attachment (seizure of bank accounts, property in
your home, or any other property you own),<br />
<br />
(3) liens on real property (above the amount of the homestead
exemption in your primary residence only - otherwise the lien is not
limited under the Washington State exemptions), <br />
<br />
(4) service of a subpoena to appear at a Judgment Debtor exam,
bring documents, and testify under oath about your financial affairs,
and<br />
<br />
(5) reporting the Judgment
to the credit bureaus, which will interfere with obtaining credit on
acceptable terms for a house or vehicle.<br />
<br />
Judgment Proof status applies to debts in which the date of last
activity on the account (typically a payment or promise to pay) is
older than the 6-year statute of limitations. If you have
received a discharge in Chapter 7 or Chapter 13 bankruptcy, and the
debt existed prior to filing and was dischargeable, then you have
Judgment Proof status. If you can prove that you paid the debt
in full, you have Judgment Proof status.<br />
<br />
It is important to note that the 6-year Statute of Limitations
barring entry of a Judgment, does not affect the right of Credit
Bureaus to report negative credit information for 7-years or a
Chapter 7 Discharge for 10 years.<br />
<br />
<u><b>COLLECTION PROOF</b></u><br />
<br />
Collection Proof status is more common. Collection Proof means
that a creditor can successfully sue you and obtain a Judgment, but
that Judgment may not be currently collectible because the Debtor's
income is exempt (Social Security, Social Security Disability,
Pensions, Unemployment, and IRA or 401(k) mandatory distributions).
A Judgment is valid for 10 years, and may be renewed for another 10
years, so sometime over the 20-year period a Debtor may receive an
inheritance or other windfall that makes the Judgment
collectible.<br />
<br />
In addition to
exempt income, Collection Proof status also requires the value of the
Debtor's assets to be less than the available exemption amounts
(Exemption amounts are the value of property Debtor's get to keep in
Bankruptcy). For example, under the Washington State Exemptions
the homestead exemption is $125,000. If a Debtor has more
equity than that, then a Judgment may be collected against that
Debtor.<br />
<br />
Collection Proof Status
also applies to Debtors with below median income for their family
size (not just exempt sources of income which are always below median
amounts), with only exempt assets, who are eligible for Chapter 7 or
Chapter 13 with no payment to unsecured creditors. <br />
<br />
Therefore, it is important to note that a prior bankruptcy discharge
may temporarily negate Collection Proof Status. For example, a
Chapter 7 discharge may only be entered after 8 full years have
passed since the filing of a previous Chapter 7 in which a Discharge
was entered; this period is reduced to 4 years if the second case is
a Chapter 13
Bankruptcy.<br />
<br />
______________________________________________________________________<br />
<br />
Below
is a letter that Debtor's with exempt income can use by simply
attaching a copy of a letter from Social Security with the Debtor's
name on it and mailing to
creditors.<br />
<br />
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/FDCPA_Letter_for_Collection_Proof_Debtor.pdf" target="_blank">FDCPA_Letter_for_Collection_Proof_Debtor.pdf<br />371.7
KB</a><br />
<br />
_______________________________________________________________________<br />
<br />
<u><b>VOLUNTARY
PAYMENT</b></u><br />
<br />
By far the broadest
category of debt status is Voluntary Payment status. Voluntary
Payment status simply means that the Debtor is choosing to pay.
This choice may be perfectly rational and reasonable under the
circumstances or the choice may create needless suffering for
Debtors. The key is to have the awareness necessary to
determine what type of choice you are making.<br />
<br />
The diagram below shows that 98% of all Chapter 7 cases filed in
Washington State are no asset cases, meaning that Debtors keep
everything they have and nothing is sold to pay creditors. Less
than 2% of Chapter 7 Debtors surrender any property to the Trustee.
All Judgment Proof and Collection Proof Debtors are also no asset
Chapter 7 eligible (assuming no prior discharge), but they don't have
to file to protect themselves from creditors. Only a very small
number of Chapter 13 filers repay 100% to unsecured creditors.
Most Debtors don't even repay at least 50% to unsecured creditors
because they don't complete their Chapter 13 plans.<br />
Historically,
Chapter 7 is about 70% of all filings and Chapter 13 about 30%.<br />
<br />
<img align="bottom" border="0" height="335" name="Image1" src="data:image/jpeg;base64,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" width="559" /><br />
<br />
Some Debtors are not aware of
their rights (or chooses to waive them). They may be willing to
send a check to the Creditor (or someone purporting to be the
creditor) even though the debt is much older than 6 years, even
though the Debtor has only exempt income and assets, or even though
the Debtor is eligible for a Chapter 7 Bankruptcy. Debtors
often continue to pay unsecured creditors in an exercise in futility,
long after their debt-to-income ratio becomes higher than 50% (or
100% or even 200% or more), and any meaningful hope of repayment is
long gone.<br />
<br />
A Collection Agency
may call a Debtor and ask for voluntary payment even if the debt is
much older than 6 years. Debtors are not required to talk to
Creditors on the phone, and they should not do so. Debtors
should never send money on the basis of a phone call alone.
Some debt collectors don't even own the debts they are trying to
collect, they have stolen the account information. If a Debtor
pays such a debt collector, it will have no effect on the
balance.<br />
<br />
Voluntary Payment status
also includes Debtors who are making a rational choice to settle
debts that they would have to pay in full, or at least pay a
substantial percentage of the full amount, in Chapter 13 if they were
unsuccessful in settling the debt.<br />
<br />
The vast majority of debts, including taxes, are paid voluntarily
without any coercion by creditors. Most of time this makes sense for
most people. However, sometimes it doesn't. My hope is
that this information has assisted you in making the decision for
yourself without undue pressure from
Creditors.<br />
<br />
_______________________________________________________________________<br />
<br />
<br />
<br />
________________________________________________________________________<br />
<br />
Below
is a summary of the Fair Debt Collection Practices Act, and some
common violations:<br />
<br />
<a href="http://www.mulvaneylawoffices.com/uploads/fairdebt.pdf" target="_blank">fairdebt.pdf<br />73.7
KB</a><br />
<br />
*** Telling Debtors that
a warrant has been issued for their arrest, and they will go to jail
if they don't pay. This is false. <br />
<br />
*** Telling Debtors they have to pay the debts of their deceased
family members. This is false. <br />
<br />
*** Telling Debtors that they have to send a post-dated check.
This is false.<br />
<br />
*** Telling
Debtors that the creditor has the right to call their employer.
They don't if you tell them that your employer prohibits phone calls
from debt
collectors.<br />
<br />
____________________________________________________________________<br />
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>
Debtor's can complain about violations of the Fair Debt Collection
Practices Act to the Federal Trade Commission and/or the Consumer
Financial Protection Bureau and the Washington State Attorney General
at the links
below.<br />
<br />
<a href="https://www.ftccomplaintassistant.gov/#crnt&panel1-1" target="_blank">https://www.ftccomplaintassistant.gov/#crnt&panel1-1</a><br />
<br />
<a href="http://www.consumerfinance.gov/complaint/" target="_blank">http://www.consumerfinance.gov/complaint/</a><br />
<br />
<a href="https://fortress.wa.gov/atg/formhandler/ago/ComplaintForm.aspx" target="_blank">https://fortress.wa.gov/atg/formhandler/ago/ComplaintForm.aspx</a><br />
____________________________________________________________________<br />
<br />
The best way to assert your rights as a Debtor, and protect yourself
from abuse is to not speak to creditors by phone other than to ask
them for a fax number so your lawyer (me), can fax a cease and desist
letter. Ask the creditor not to call back. Hang up
regardless of whether you get the fax number or not.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br /></div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-79545560797228195122015-01-16T18:58:00.000-08:002022-05-11T19:58:55.201-07:00Garnishment In Depth<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br />
<br />
<a href="http://apps.leg.wa.gov/RCW/default.aspx?cite=6.27" target="_blank">Revised Code of Washington 6.27 Garnishment</a><br />
<br />
A Writ of Garnishment may only be issued after you are sued and a Judgment is entered against you, except for student loans. <u>Student loan creditors do not need to sue you prior to garnishing your wages</u>.<br />
<br />
<br />
<b><u>YOU COULD BE FIRED</u></b><br />
<br />
Garnishment lasts for 60 days, and can be renewed until the Judgment is
paid in full. Repeated garnishments are not just embarrassing, they can
be grounds for termination from employment.<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><br />
<b><br />
<u>EVERY 60 DAYS YOU HAVE AN OPPORTUNITY TO SETTLE</u></b><br />
<br />
Since the Writ of Garnishment expires in 60 days, a settlement
opportunity arises. It is important to analyze your eligibility for
Chapter 7 bankruptcy prior to making any settlement offer. <span style="color: blue;"><u>See Bankruptcy Pitfalls Re Tax Liability for Debt Settlement</u></span>.<br />
<br />
<b><u><br />
FUNDS GARNISHED WITHIN 90 DAYS OF FILING CAN BE EXEMPT</u></b><br />
<br />
Funds garnished within 90 days of filing bankruptcy may be claimed as
exempt and should be returned to you, so it is important not to let
garnishments run and to file bankruptcy to stop them.<br />
<br />
<img alt="" src="http://www.mulvaneylawoffices.com/images/abc4159133ad60320b3d80c7295307af.jpg" height="244" width="557" /><br />
<br />
<br />
<b><u>YOUR EMPLOYER COULD HAVE TO PAY YOUR DEBT</u></b><br />
<br />
Employers who are served with a Writ of Garnishment stand in the shoes
of the Debtor regarding the debt, and are required to answer
interrogatories without compensation and deduct 25% of net pay by order
of the Court. <u> If the employer fails to deduct funds from the Debtor's paycheck, then the employer is liable for the debt</u>. <br />
<br />
<br />
<b><u>LACK OF PROPER SERVICE IS NOT A DEFENSE</u></b><br />
<br />
It is common for Debtors not to be personally served with a Summons and
Complaint and to only receive notice of the debt when they are contacted
by Human Resources regarding the garnishment. That is one reason
monitoring your credit report and following up with creditors you think
you might owe is important.<br />
<br />
The creditor's remedy if you spend the money and win a Motion to Set
Aside a Judgment based on lack of service is that the creditor simply
reserves you and then wins the lawsuit with a higher Judgment amount.<br />
<br />
<br />
<b><u>CONTACT ME IMMEDIATELY IF YOU ARE GARNISHED</u></b><br />
<br />
Please email MULVANEY LAW OFFICES, PLLC immediately at <a href="mailto:%20chris@mulvaneylawoffices.com" target="_blank">chris@mulvaneylawoffices.com</a> <u>with a copy</u> if you are served with a Summons and Complaint or receive notice of a Writ of Garnishment.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-47342615938924424132015-01-16T18:55:00.000-08:002022-05-11T19:58:49.832-07:00Foreclosure In Depth<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<br />
<br />
<br />
<a href="http://apps.leg.wa.gov/RCW/default.aspx?cite=61.12" target="_blank">Revised
Code of Washington 61.12 Foreclosure</a><br />
<br />
Below is a good plain
language summary of Washington foreclosure
law.<br />
<a href="http://www.foreclosurelaw.org/Washington_Foreclosure_Law.htm" target="_blank">http://www.foreclosurelaw.org/Washington_Foreclosure_Law.htm</a><br />
<br />
Below
are what I consider to be the key point to understand regarding the
interplay between bankruptcy and foreclosure.<br />
<br />
Know
whether you have personal liability for your mortgage debt. If
you have a home equity line of credit (HELOC) or a 2nd mortgage, then
you should assume you have personal liability for the debt. The word
mortgage is a commonly understood term that does not distinguish
between the two key documents in purchasing a home: the
promissory note (creating personal liability) and the deed of trust
(creating the lien on your home, which includes the right to
foreclose if you don't pay).<br />
<br />
The legal distinction below is necessary to your
understanding:<br />
<br />
<u><b>Personal Liability vs. Liens</b></u><br />
<br />
Personal
liability is the right of a creditor to sue you, obtain a Judgment,
and garnish your wages.<br />
Liens (mortgages) are liabilities on the
property only, and not on you personally. It is personal
liability that is discharged in bankruptcy. Liens are
unaffected. (Except in certain cases. See Lien Strippping and
Cramdown.)<br />
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>So, it matters if you have a single purchase money
mortgage that you have never refinanced or if you have refinanced or
have a HELOC or 2nd lien of any kind. For homeowners with only one
original mortgage, if the bank forecloses the bank is limited to the
price received at the foreclosure sale (assuming a non-judicial
foreclosure), and cannot sue you for the deficiency (the difference
between what you owe and the foreclosure sale price). This bar
against collection against you personally is referred to as
"Non-Recourse." <br />
<br />
However, lenders do have recourse
against you personally for a HELOC or 2nd lien. This means
after the foreclosure sale, you can expect to be sued for the
balance. It is this creditors right of recourse against you
personally that commonly triggers bankruptcy.<br />
<br />
<u><b>WARNING
REGARDING TAX IMPLICATIONS</b></u><br />
<br />
Consult your CPA regarding claiming
exemptions to the general rule of tax liability regarding
foreclosures. I am not a CPA and cannot give tax advice. I try
to learn enough about taxes to warn clients about questions they
should ask their CPA.<br />
<br />
Below is a link to the IRS web site with
answers to common questions about bankruptcy, foreclosure and other
issues.<br />
<a href="http://www.irs.gov/uac/The-%E2%80%9CWhat-Ifs%E2%80%9D-for-Struggling-Taxpayers" target="_blank">http://www.irs.gov/uac/The-%E2%80%9CWhat-Ifs%E2%80%9D-for-Struggling-Taxpayers</a><br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br />
<div style="line-height: 150%; margin-bottom: 0.1in;">
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a>
</div>
<div style="line-height: 150%; margin-bottom: 0.1in;">
</div>
Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0tag:blogger.com,1999:blog-1300933625547593549.post-84835666569305322232015-01-16T18:22:00.000-08:002022-05-11T19:58:44.782-07:00Importance of Honesty In Bankruptcy<div style="text-align: left;">
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgSN72Z2FjP-8DgZF4OCNoBdGaEgh8cza2MZqsryV3rFaXkKZLsjsu5Qi48ArE43Jkg5J4I4wYPOIJ_yNipkJufxt_I5o4AAU6HeGPNu9VTQjh8GevzAhJ2kvhf9PSwNbVz4F20iRUUem5o/s1600/brand.png" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirQS439RmRVs_NAEFz1dgnySWwHbDCh3zn9147Y1ngIhLjZK-RIs4EnAzMtTV1JHC7JQw7HXjnFknA9IlK_GP7WObWk5YNQ7SZgS-anQcDE3R-FxtTVSFsYEnhA5iVu5-P9yhj-utURZCq/s1600/FBI.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEirQS439RmRVs_NAEFz1dgnySWwHbDCh3zn9147Y1ngIhLjZK-RIs4EnAzMtTV1JHC7JQw7HXjnFknA9IlK_GP7WObWk5YNQ7SZgS-anQcDE3R-FxtTVSFsYEnhA5iVu5-P9yhj-utURZCq/s1600/FBI.jpg" height="166" width="320" /></a></div>
<div style="line-height: 150%; margin-bottom: 0in;">
<br />
<br />
Above is a
photo of the warning sign that hangs on the wall outside the room in
which 341 meetings are held in Seattle. Please read it, and
heed it. I assure you that this warning from me is far more
friendly than being questioned by the US Trustee, the US Attorney,
the FBI, or the IRS.<br />
<br />
<img align="bottom" border="0" height="160" name="Image2" src="data:image/jpeg;base64,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" width="320" /><br />
<br />
Above
is the seal that hangs on the wall behind the Trustee in Room 4107
where 341 meetings are held. The Latin quote means: "Who
Prosecutes on Behalf of Lady Justice." The Department of
Justice oversees the United States Trustee Program. The US
Trustee is the superior of the Interim Trustee who takes your
testimony at the 341 meeting.<br />
<br />
Most debtors do not appreciate
the seriousness of filing an inaccurate bankruptcy petition under
penalty of perjury. Debtors can have their discharge denied, or
even revoked after it is entered in extreme cases. Debtors can
also be criminally prosecuted. In extreme cases, Debtors could
go to Federal Prison and still owe their debts when they get
out.<br />
<br />
<a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=1300933625547593549" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><img align="bottom" border="0" height="160" name="Image3" src="data:image/png;base64,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" width="320" /><br />
<br />
<br />
Above
is the seal that hangs behind the Bankruptcy Judge in Bankruptcy
Court. Hopefully, you will never see it. If you do, it
means there is a dispute in your case that is being argued.
When you testify at the 341 meeting, your testimony has the same
legal consequences as if you had given it in Court, to the Bankruptcy
Judge with the seal hanging behind the Judge.<br />
<br />
I present these
warnings to you so that you will appreciate the vital importance of
honesty in the bankruptcy process. Report all assets,
transfers, income, debts and all other information requested on the
petition completely and accurately. <br />
<br />
Bankruptcy provides
relief for honest debtors. If you are not honest, then you are
not entitled to the relief you are seeking - the discharge, and the
full force of the United States of America in all of its relevant
branches can come down upon you. </div>
</div>
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEinf-liSynQxeKmW2EOh6tVh1Xb3s8D_iLW5a2P1EBKG-yF9Ha_ghuf2WhtCSuiEL5qdICFsqxGM5gB-SYrBxttpZzYuVjRO-QVlA_PhbD_L_drq5BhVj7usK4LnVEOlshplAr1pCQZ3I9f/s1600/Signature+(2).gif" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgnZMvX8dfVmiwdwCpwfhgoTidvi1pfMTMDGYr6g8p_Uvq8WCVcvGTltbde0kTlC27RehLSFHETWKUkAtllYdlY2GxuKz-RlILZv1TDww-xuRfntlRF_iLIpgBBgcJScsP4u_3Hhllj0AbG/s1600/contact-brand.png" /></a><br />
<b style="font-size: 18px; font-weight: normal;"> 14205 SE 36th St Ste 100</b><br />
<b style="font-size: 18px; font-weight: normal;">Bellevue, WA 98006-1553</b><br />
<a href="http://www.mulvaneylawoffices.com/"><span style="font-size: 18px; font-weight: normal;">www.mulvaneylawoffices.com</span></a><b style="font-size: 18px; font-weight: normal;"> </b><br />
<b style="font-size: 18px; font-weight: normal;">Phone: 425-649-1190</b><br />
<b style="font-size: 18px; font-weight: normal;">Fax: 425-</b><span style="font-size: 18px; font-weight: normal;">223-3197</span><b style="font-size: 18px; font-weight: normal;"><br /></b><br />
<b style="font-size: 18px; font-weight: normal;"><a href="mailto:chris@mulvaneylawoffices.com">chris@mulvaneylawoffices.com</a></b><br />
<b style="font-size: 18px; font-weight: normal;"> </b><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhv3Y2_2-n9HB3gJTsI3o0Z-9ZoQC4kOcDOz8ClFjfuM-blmwyUIP_iLThe_ZK7_RWlBFYtc-hXtegbq5tzw0XaIkFC3pw6IntyxrwnZXcVY-9Q4UIQO0LyeAjC8UXZlUCyjTA6TIBMwbZo/s1600/photo+logo.png" height="43" width="320" /></a></div>
<b style="font-size: 18px; font-weight: normal;"><br /></b>
<b style="font-size: 18px; font-weight: normal;"> </b>
<br />
<br />Christopher S. Mulvaney, Esq.http://www.blogger.com/profile/10940642159463979537noreply@blogger.com0