illinilaw08

QUOTE (southsider2k5 @ Sep 14, 2011 -> 01:45 PM) There is a really good chance that the bank had no idea that a 101 year old woman lived there. I'm pretty sure they also aren't allowed to ask. That's correct. Unless you want to re-write the FDCPA and allow debt collectors to show up at your home, how the hell is the bank supposed to know the sob story surrounding each delinquent account they try to collect on?

QUOTE (StrangeSox @ Sep 14, 2011 -> 01:38 PM) Let's assume that this 101 year old woman no longer had the ability to manage her own finances and this situation is no fault of her own. Why should she suffer? Is protecting creditors' rights to collect debt more important than not evicting 101 year olds? Where is the line you intend to draw? If you can't foreclose on a 101 year old, why should you be able to foreclose on a family with young children where the parents' lost their jobs? If you do not protect creditors' rights to collect a debt, then what incentive is there for a creditor to make a loan in the first place?

QUOTE (Balta1701 @ Sep 14, 2011 -> 01:24 PM) Is it a problem if a 101 year old woman is foreclosed on and evicted from her home? If she isn't paying what she owes and hasn't been paying what she owes for years and the bank has followed that state's foreclosure laws in getting to that point, then no, that isn't a problem. Let me put this to you a different way. I would be willing to wager that the vast majority of foreclosures are the result of sad circumstances (lost job, family with lots of kids, elderly people, unforeseen health problem, etc.). If you tell banks "you cannot foreclose when sad circumstances are involved" what incentive is there for (1) people to pay their mortgages and (2) for banks to make loans? Now, if your argument is that more resources should be allocated to low cost housing for people in sad circumstances, I can get behind that. But what you are arguing is an extremely slippery slope.

QUOTE (southsider2k5 @ Sep 14, 2011 -> 12:36 PM) There are. The son chose to ignore them. This is absolutely correct. The article indicates (and every single shred of work I have done on the bankruptcy and foreclosure side of the law supports this fact) that the son received notices AND the son did not pay his mortgage for years before the bank started the foreclosure process. That is years of the bank not getting paid a dime on this loan. Is it sad and regrettable that this 101 year old woman is out of her home? Yes (though we should note that the article indicates she moved in across the street - she isn't living under a bridge). Is this the bank's fault? No. If the son failed to respond to notices, demand letters, complaints, etc. for years, are you going to make the bank go knock on the door to ensure the homeowner isn't old or infirm (and probably violate the FDCPA in the process)? No one is denying that banks have abused the FC process and wrote loans to people who should not have received loans, but that does not make the bank the bad guy any time an elderly person is foreclosed upon.

Jozy scored twice again today in Europa League play. 5 goals in all competitions through 5 games at AZ Alkamaar (4 in his 2 starts). He is on fire.

QUOTE (danman31 @ Aug 24, 2011 -> 01:41 PM) I did say instead of Scandinavia. I understand that those northern European leagues are being used instead of MLS at the moment. I'd much rather see our players go to Holland, Belgium, Turkey or something like that. MLS will probably evolve away from its current structure once the teams are securely self-sustaining. At the moment, they're not, but they're getting there. Garber doesn't want a have and have nots situation so they are holding the big boys back a bit until the rest of the league is on solid footing. With all the stadiums and well chosen expansion markets (though how St. Louis doesn't have a team I have no idea), MLS is doing the right things. I don't think there's a stigma with Europe like you say though. Sure there have been a few busts, but everyone wants American players playing in the best leagues. Trial by fire. Donovan turned out ok and even had a strong loan spell at Everton. Even in Jozy's case, he was bought by the big club and loaned out to more appropriate levels. Just because he couldn't hack it in England or Turkey doesn't mean they weren't good moves. I agree with you to a point. There is not a stigma to Europe generally. There is, however, a stigma to big European move for young players. Message boards and, even professional soccer writers, warn of young players becoming "the next Jozy" and hope that Agudelo or Brek Shea will be wise and make a small move first (of course, those arguments fail to take into account the fact that Jozy is only 22 and has obviously improved the non-finishing aspect of his game in his time in Europe - the only truly wasted time was his non-sensical loan to Xerez (sp)). From a developmental standpoint, that argument is correct. Young, talented players on good clubs can get stuck in the dreaded "loan cycle" (see Jozy and Lichaj - as an unrelated aside, I wish Leeds had purchased Lichaj's contract - he needs games other than Cup matches) because those clubs don't have the patience to wait and they have the money to buy replacements. From a reality standpoint, however, that argument just doesn't matter. Brek Shea and Juan Agudelo will be sold to the clubs that are willing to pay their club the most money for them, regardless of where they will develop best (especially Shea since he is under a 4 year deal at Dallas right now). If we want to discuss the viability and success of MLS, now that's an argument where we are absolutely on the same page. Garber has done an excellent job with MLS. He has expanded to the right places (though I agree with you that St. Louis deserves a team before NY gets a second). The Seattle-Portland rivalry is just what the league needs. Even the most recent TV contract was a savvy move. My point in all of this might be that I'm arguing semantics with you. Your argument is correct - especially for players like Dempsey, Holden or George John who are good enough to succeed in Europe but didn't command $10M transfer fees (Holden moved on a free IIRC and Dempsey was in the $2M range). But we may wish for a Dutch or Turkish club to buy Agudelo. If he reaches his potential in MLS, that just isn't going to happen. He'll end up at Atletico Madrid or another big club in a Big 4 league.

QUOTE (danman31 @ Aug 22, 2011 -> 12:44 PM) The Dutch league is a great intermediate step to becoming an elite player. I'm hopeful that MLS' stars can go straight to Holland, for example, and then be able to move up to a big 4 league. It seems like Europe kind of struggled gauging how good MLS was previously (Eddie Johnson going straight to Fulham, Jozy to Villareal) and I think we'll see more guys go to the Championship or Holland instead of Scandanavia. Hopefully Agudelo can learn from the previous failures of American forwards in Europe. That's a great thought on paper because it is absolutely true that there are greater developmental opportunities in Scandanavia and Holland than in the EPL. The reality of the situation, however, is that Scandanavian leagues are best used as alterantives to MLS. Charlie Davies and Bedoya both went went straight from BC to Sweden. Marcus Tracy from Wake Forest to Denmark. It also works when guys spend a few years in MLS and then, out of contract, move on a free or, out of favor, make a cheap move to the Championship (see Robbie Findley who has actually been decent this year for Nottingham Forrest). The problem with that approach is that MLS operates as a business, not as a developmental academy. As a result, the top tier of young prospects in MLS will be sold for the most money they can net which isn't coming from the Championship, Scandanavia or Holland (see Jozy and his $10M price tag to Villareal). Agudelo ultimately has little say over where he goes. NYRB holds his rights and if Agudelo improves like expected, NYRB will sell him to a big club because that's where they will get the most return. The best situation for all involved with Agudelo is that he spends 2 or 3 more years in MLS, maturing on and off the field, and is better equipped to succeed when he moves to Europe than Jozy was right off the bat. Finally, I will say that our view toward European transfers as American soccer fans are ultimately shaped by three players: Donovan, Freddy Adu, and Jozy all of whom made the move before they were ready to handle the on the field training or the pressure of living in a foreign country. We don't talk about the Dempseys and Holdens of the world that had a couple years service in MLS and developed their games prior to making impact moves abroad. Thus, based on history, the best thing that can happen for Aguedlo is that he spend a couple more years in MLS before he makes his move to Europe.

QUOTE (God Loves The Infantry @ Aug 11, 2011 -> 11:32 AM) Meh. This is getting away from my original point, which is that our military is great because of the young men and women who volunteer to die for it, and not because of the taxpayers. Without those great Americans, this organization is nothing. Silly argument. Soldiers, and their committment to the armed forces certainly make the American military the best in the world. But without the American taxpayer, and the American Congressmen and women funding the DOD, the military is nothing as well. The biggest issue I have with your posts is that you seem to only value soldiers (see an earlier post that you would never vote for a presidential candidate who had not served in the military). Soldiers certainly provide a great service and put themselves in the line of fire for country. But how is that service any greater than that provided by the men and women who work for Doctors Without Borders, AmeriCorps, Teach for America or the Peace Corps. Or what about the police and firemen who put their lives on the line to protect communities. Or the prosecutors and public defenders who take steep paycuts to protect communities (prosecutors) and individual rights (PDs). I would argue that all those people provide as great of a service to the United States of America as our military does. I don't write any of this to attack the armed forces or to in any way attempt to diminish the sacrifice of our men and women in uniform. Rather it is to demonstrate that military service is not the only way to serve your country.

BAPCPA (2005 Amendment to the Bankruptcy Code) made it nearly impossible to discharge student loan debt, regardless of whether it is a federal or private loan in bankruptcy. You have to be able to show "undue hardship" which is nearly impossible to do.

QUOTE (DBAHO @ Feb 2, 2011 -> 02:09 PM) Ok you make some good points there on Altidore, and obviously you follow him pretty closely there. I suppose my judgement on him was based a lot on what I saw of him back when he was on loan at Hull City (albeit a s*** club). Just didn't seem as if he belonged at that level, at that time. What he needs is regular first team football. Don't know if long - term the Turkish League is the type of league where he should stay long - term, but it's a start I guess. FWIW, I didn't really see Altidore's named mentioned much for teams in the EPL at the deadline. The EPL talk came from this article on the MLS website http://www.mlsnet.com/news/article/america...oaned-bursaspor I agree that Hull was not an ideal situation for Jozy. He got absolutely no service whatsoever, but that was just an all around bad club situation for him. I also agree with you on Turkey. Turkey is a good technical league, and Jozy will learn how to handle some seriously hostile crowds. But it's not an ideal long term situation given that fitness seems to be a four letter word. This could end up being an ideal year for Jozy though. He clearly needs technical improvement, and I can't think of many better places to develop that than in Spain. And he got some decent club experience (made the bench in almost every game, got some good games in Copa del Rey and Europa) while there. But now he needs playing time. Hopefully he gets playing time in Turkey because he clearly needs games right now to get his finishing touch back.

QUOTE (DBAHO @ Feb 2, 2011 -> 11:42 AM) Altidore's career is at the point where unless he picks it up soon at a good European League, he could the way of Freddy Adu. This is an absurd statement for several reasons. (1) Jozy was getting playing time this year at Villareal, the third place team in La Liga. Yes, his minutes mostly came in Copa del Rey and Europa Cup competition (scoring twice), but he was getting playing time on a monster club, playing behind Rossi and Nilmar. (2) Jozy was loaned, not sold. Given the reported interest in him, Villareal could have recouped some of their investment (they paid $10 million for Jozy initially) by selling him off. The loan shows that Villareal still believes in Jozy Altidore's ability to help their club in the future. (3) He wasn't loaned off to some second division club. Buraspor won the Turkish League last year and are just 2 points off the pace this year. Kenny Miller from Rangers was just loaned to them as well. The fact of the matter is that coaches seem to like what they see in Jozy, not something that can be for Adu. (4) He's 21 years old. At 21, he has 9 goals for the National Team, played a crucial role on a successful World Cup campaign (beautiful move where he hit the post vs. England, the awesome knock down for the assist on Bradley's goal against Slovenia, he played the crucial play into the middle to Dempsey that led to The Goal against Algeria, he drew countless yellow cards from defenders - he did everything but score goals in that tournament). Unlike Adu who is so far out of the National Team picture right now. 5) The knock on Jozy early in his European career was his training habits. There have been no recent reports that this is an issue and he is developing into a pretty decent target forward. 6) The knock on Adu seems to be that his training habits are bad and that his slight build allows him to be pushed around. Adu eventually needs to move back to MLS as he clearly is not wanted by any top flight European clubs (see the fact that Benefica finally was able to loan him to a second division Turkish club after months of failed trials). To compare him to Jozy (reported interest from top flight teams in England, Spain and, obviously, Turkey at the transfer deadline) is comparing apples and oranges. At the end of the day, American soccer fans need to be patient with Jozy. He's not Messi. He's not Mueller. He's not a finished product at 21 like those players were. He has a somewhat heavy touch, and his goal scoring instincts aren't there right now. He needs playing time to continue his development and, ideally this move is going to give him that. If we are asking these questions of Altidore in 2014, or if the first division interest in him overseas ever dries up, then there is a problem. But to compare his situation to Adu is short sighted and, frankly, just plain wrong. End of rant.

Everton looking to bring Donovan in on loan. Will be nice for Donovan to get some top flight competition prior to South Africa. http://soccernet.espn.go.com/news/story?id...ers&cc=5901

QUOTE (The Critic @ Aug 14, 2009 -> 07:11 AM) Can that happen if Buffalo authorities independently decide to file charges? If Buffalo authorities decide to file charges, and then subpoena the cab driver, he will be required to testify. If he doesn't show up, a warrant could be issued for his arrest (that doesn't usually happen, but the law allows the prosecutor to request the warrant).

Agreed

The one thing that one has brought up yet in this argument is the fact that MJ did what no other player to my knowledge has ever been able to do in the NBA. When MJ began to lose a step and couldn't get to the rim whenever he wanted, he developed the turnaround fadeaway that was absolutely, positively, unguardable. When Lebron loses a step and can't get to the rim whenever he wants, will he be able to adapt the way MJ did? Knowing Jordan's career arc, and taking into account his ability to adapt his game, I don't see how anyone could take Lebron over him.

At work. What happened?

Tell me how many teams win titles with a 6-3 shooting guard that doesn't get to the rim all that well. I like BG as instant offense off the bench. I like BG if the price is right. But I don't want the Bulls to tie up a ton of money in a guy who, in my opinion, is not going to bring an NBA title to Chicago as your starting SG.

The girlfriend and I went to Vermont after the bar exam last summer and I would really recommend Burlington. The town had a lot to do... especially lots of places to eat... and the Bed and Breakfast we stayed at (Willard Street Inn) was fantastic. The other nice thing about Vermont is that it is such a small state, a trip to anywhere else in the State is about an hour or hour and a half drive. As mentioned earlier in this thread, Stowe is really nice... lots of cool places to eat and some nice hiking. Last thing, when I went out there, we were between Maine and Vermont and chose Vermont because the airfare was cheaper. Anyway, let me know if you need more information.

I have a similar issue as above. I am a runner (20-25 miles per week) and also cannot keep weight on. I'm currently 6'1" 160 pounds. My goal is to add 10-15 pounds of muscle. I lift 3 days a week, run the other 4 and have been doing so for about a month now with minimal results. Any ideas as to ways... other than the almighty and all expensive protein which I currently drink after every workout... to add muscle? Does anyone have any ideas as to websites that might be able to give me a better plan? And for the record, a trainer is right out. I use the gym at my apartment complex and am definitely not willing to pay the money for a trainer. Thanks.

Ok, thanks for the replies. I made myself aware of where most stadiums were during the fall league. Work prevents me from going to games during the week, but I was not sure how often games are at capacity. Looks like I should probably look to buy in advance. Any ideas as to whether scalpers sell outside the stadium?

It's my first spring training living in Arizona. I have never been to Spring Training before and I was curious as to how difficult it is to buy tickets day of game at the park. How often do games sell out? Thanks.

I'm joining the BCS conversation late here I understand, but why is everyone so sure that the Bama/Utah game is going to be a dud? Alabama's best win this season is at GA. Georgia was ranked 3rd at the time I believe, but they finish the season ranked 16. Beyond GA, you see Mississippi and LSU as their best wins and, while good teams, neither of those two are world beaters. Utah, on the other hand, has wins over TCU, BYU and Oregon State as their marquee wins. On paper, those don't look that bad when compared to Bama's best wins. Now I'm not saying I expect Utah to win the game, but I think this is going to be a much closer game than people give it credit for.

The Al Harrington news makes no sense at all. In my opinion, the Bulls need some dead eye spot up jump shooters (DRose is going to create a lot of open shots - we saw some of that last night) or a back to the basket scorer. Al Harrington fits neither of these roles. He's a career 45% shooter and shot 43% from the floor last year. Realistically Harrington plays the exact same role that Deng and Noc play. The Bulls have the luxury of having a glut of guards that they can trade, but this seems to me like it would be making a deal for the sake of making a deal. I hope Pax passes on this one.

Following the game on gamecast - what happened to prevent the Sox from getting the 4th run?

QUOTE (Balta1701 @ May 24, 2008 -> 11:59 AM) So, this statement is one I agree with, and I think it illustrates a lot of the problems with the trade for a vet scenarios. Brand is 29, has been in the league for about 9 years, is coming off a major injury, and has a lot of miles on his body. Redd turns 29 later this year, but has played 8 seasons. Both of them are right around the age where they're nearing the end of their performance peak (like 26-29 years of age). Now, if we were trying to assemble a team to compete this year, both of them are solid options. But you just made the key point. No matter how good a prospect Rose is...even if he wins the ROY over say, Oden, and has a very good first year, if he's going to develop in to a star, that's still a couple years away. He'll be the equivalent of a 20 year old college sophomore next year. If you pack guys like Brand and Redd on this team, you make a run at the conference finals next year, but then as Rose develops, you expect to see them starting to go downhill, get hurt more, and just be less productive per unit time. This is one of the reasons, whether or not you like hte particular guys, that I like the "all recent draftee" lineup of Tyrus, Deng, Noah, Rose, and Gordon/Thabo, because you can grow them together. None of them are at their peak ages yet, and when Rose does start developing and going upwards, so will the rest of them. I agree with this wholeheartedly. That's the big issue with this draft for the Bulls - they aren't picking to win the title next year; rather they are picking the guy that sets them up to win 1 or 2 titles in the next decade. Should the Bulls pick Rose, remember how bad Deron Williams was as a rookie in Utah - Rose may have those same struggles his first year, but the sky is the limit for him potential wise. As an aside, does anyone here think Mike Miller could be an option in a trade? If the Bulls are looking to build around a point guard, they need to compile as many shooters as they possibly can and there aren't many better than Miller.