New Bankruptcy Law - Where's the consumer Protection?

On April 20, 2005, President Bush signed into law the Bankruptcy Abuse and Consumer safety Act, a piece of sweeping legislation that brought about the most sweeping changes in personal bankruptcy [http://www.end-your-debt.com/bankruptcy.htm] law in the last quarter century. This bill, which takes supervene in October 2005, passed with the breathtaking keep of both parties of congress, claims, through its very name, to offer "consumer protection." Does it? How are consumers "protected" by this bill?

consumer behavior solomon

The purpose of the new legislation, is to eliminate "bankruptcy of convenience". Sponsors of the bill mouth that most consumer bankruptcy cases involve irresponsible spenders who have shopped or gambled their money away and now do not wish to pay their creditors. They rightly point out that bankruptcy costs the credit card clubs billions of dollars each year and that those costs are passed on to consumers in the form of higher interest rates. By production it harder for those with qoute debt to file for bankruptcy, legislators say that more population will pay their bills, the credit card clubs will save billions of dollars, and the resulting savings will be passed on to consumers in the form of lower interest rates.

Consumer

The bill is lengthy, but key points are as follows:

In short, most consumers are no longer protected from job loss or illness by being able to file under lesson 7 and they will have less help from competent attorneys due to the new liability provision of the bill. There is wee to "protect" consumers in the Bankruptcy Abuse and Consumer safety Act. The sole advantage for consumers resulting from this bill will be lower interest rates and fees from the credit card companies, who will save billions of dollars as a supervene of this legislation. Of course, should the credit card clubs select to keep the savings, rather than pass them on to their customers, then consumers will be left with no advantage or "protection" at all.

New Bankruptcy Law - Where's the consumer Protection?

Consumer

Ladder Lock Safety, Ladder Fall Protection and Other Ladder Safety Tips

Some common safety tips that can be followed for a smooth working with your little giant ladder are:

(i) Inspect the little giant ladder. Make sure the 'spreaders' can be locked when open and that there are 'safety feet' on the ends. When choosing a little giant ladder be certain the ladder is able to carry the amount of weight that will be applied.

CONSUMER REPORTS WATER SOFTENERS

(ii) Check for 'loose or bent rungs' of your little giant ladder.

(iii) The little giant ladder should be kept clean of oil, grease, mud, snow and other slippery materials.

(iv) Carry a 'single or extension' little giant ladder parallel to the ground. Hold the side rail in the middle of the ladder for balance.

(v) The ground under the ladder should be level and firm. Do not set your little giant ladder up on a muddy surface.

(v) Set the base of your little giant ladder one foot away from the wall for every four feet of ladder height.

(vi) Do not use bricks, boxes, etc. to raise the height of ladders to make them gorilla ladder.

(vii) Keep ladder off from windowpanes or sashes.

(viii) While using the ladder as an orchard ladder, turn the it sideways, and ease into the tree.

(ix) Face the ladder when you climb up or down. Hold on to the side rails with both hands. Use a rope to lift heavier equipments.

(x) Keep your body centered 'between the rails' of your little giant ladder. Wear shoes with 'non-skid soles'. Do not wear 'leather-soled' shoes; they can be slippery.

(xi) Never use a ladder in high wind. Never stand on the top rung of any ladder.

And the last and not the least never leave a raised ladder unattended.

Ladder Lock Safety, Ladder Fall Protection and Other Ladder Safety Tips

CONSUMER REPORTS WATER SOFTENERS