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Show trHtiiftTiniii niirimrlhi hn i nr irnrttumr- Tnmrr-r-- " Ylfrrflfi "n ffif Tjpu enough money to fix up their ja Dear Ms. Young: Congratulations upon the excellence of your newspaper. I am certainly impressed with its quality -- the professional but warm presentation, its comprehensive - coverage of such a variety of subjects pertinent to your readers' needs. Would it be possible to have a copy mailed to my office at each publication? It would be most helpful in my work. Thank you so much. Sincerely, Ruth Ellison Social Service Worker Division of Family Services Dear Mrs. Pulley and The Model houses. Sometimes the rent is too Neighborhood News: high, and they have to pay for all the On behalf of the Cystic Fibrosis repairs and things themselves. After they spend their money for food and Care and Teaching Center we wish to clothing to support their families thank you for your efforts in they don't even have enough left to gathering glass gallon bottles for the clean the house. I know some people clinic to use for sterile distilled say water and soap is cheap but water. The efforts of those who sometimes the other bills are so supplied these containers for the much that there isn't anything left. clinic are greatly appreciated. When we have our Center we can employ a lot of the residents there. Not too many outsiders. I know we need some people from outside the area that are experts. But I don't think we need a swimming pool at this time. We have lots of things we need first and swimming before a mini-parIf pool. we have the money for these things, then we should have the e Center. money for a ask the staff to forgive me for this, but it is the truth. The staff helps the other task forces get what they want but not the Social Services Task Force. WHY? We don't have nothing, only the help we gave the agency, we do that because we know we need their service. invite all staff to the meeting we will have on the 25th. I think it is important for them to be there with the residents. Well, they ignore me, because am Spanish American, not Chicano and I don't want to hear that name on me or my family, but they ignore me. I am an elderly lady and we are Americans if they like it or not, and we are whites, too, not our skin, but our nationality - Latin American. don't beg for have pride and I work hard. Sometimes nothing. want to get out of the Model Cities Task Force, but I have love and love people and patience because I'm interested in helping people solve their problems. I say it is the love and kindness of a good friend that is more helpful to a person than k I have read the papers and listen in the meetings and all they have to think, when get home, say and how all the work they are doing is good but to me I think they are supposed to do important things for e the people. Like our Center. When we have this I believe we can do more for the needs of the I I I Multi-Purpos- area. Like this girl of 13 that was caught shoplifting. They found that she came from a large family that didn't have any money for food or anything else. You see? Model Cities and the Task Forces go about things the wrong way. They start with spending too much money in other places and take all our money for the e Center. Now they say they don't have any money for us to e have a Center. have been saying all along that if we help these families first you can help the boys and girls to stay out of trouble. Sometimes this is why they get into trouble to make people see what their life is like. What would you do if you were in their shoes. But when Multi-purpos- Multi-purpos- I I I I I I I anything else. If we try to fill our day with an active love for God and men, we will probably have neither the time nor inclination to succumb to jealousy the people have everything they or hate. Love is strong as Death . . . don't care about the others and they Jealousy as cruel as Hell. One more thing, what about the think nobody needs help. But know here in this state are many paper supposed to be delivered to all people in need. These families need the houses in the area? No body in good homes for rent and to buy. But this area gets it. Thanks. I also know that some don't have Leonela Salazar I free salt lake - not for sale modal neighborhood volume one The Model NEIGHBORHOOD is a publication of the Salt Lake Model Cities Agency under the of the Joint Board of and County Commissioners with editorial offices located at 1 19 East 21st South, Bldg. 5, Salt Lake City, Utah 841 15. Publication of the Model borhood News is made opment. Donetta Fluker, Editorial Assistant Joint Board of Commissioners Conrad Harrison Jennings Phillips William E. Dunn Neigh-New- s possible grant from the through ment of Housing and Urban a Marjene Marie Young, Editor Roy Lauritzen, Circulation Manager Ralph Y. McClure, Chairman Phillip R. Blomquist Stephen Harmsen Cystic Fibrosis Care and e Multi-purpos- Multi-purpos- Editor: Sincerely, Depart-supervisio- Devel-Cit- n y Teaching Center Managing Your Money In this issue, we will discuss some of the additional results of the of credit and how to build and protect your credit. GARNISHMENTS - The seller may collect his judgement by placing a ''garnishment'' upon the buyer's future wages. mis-us- e (All editorials are written by the editor, unless noted otherwise and do not necessarily reflect the opinion of the Model Cities Agency.) recent survey completed by John Short and Associates regarding resident awareness of the Model Cities program would lead one to believe the Model Cities Agency has been derelict in its efforts to communicate with citizens. The survey further stated most people questioned were not aware of any problems in their community. Both of these findings appear less startling when one discovers the actual number of people contacted - 334 househoulds with only 230 giving usable information. Two hundred and thirty homes contacted out of approximately 17,000 homes and 45,000 people does not, in my opinion, represent a fair share of the Model Neighborhood. Over 1,000 people in 1971 attended task force and coordinating council meetings and most were residents. The Model Neighborhood News, published weekly, is delivered to 17,000 houses in the neighborhood. More A Nfighborhood with, eight community schools in existence and funded by Model Cities. feel the survey can and should be used constructively to determine possible weaknesses and to find areas where I more effort communicate is to inform and needed. Certainly new programs and ideas to increase citizen participation are needed and some are presently being planned. But all the while, we should not lose sight of the fact that the survey sampled only a small percentage of Model Neighborhood residents and therefore, did not afford us a complete picture of resident awareness and involvement with Model Cities. To see this awareness and involvement in action, visit any task force meeting or one of the joint task force "rap sessions". Though I do not wish to make There are certain laws quarrel with any survey, whatever will argue with the the purpose, controlling garnishment; the fact that 230 responses from a garnishment may only take 10 percent of the employee's wages, than 30 projects are operating, possible 1 7,000 is not now nor can it and only one garnishment is allowed performing services in the Model ever be reflective of an accurate at a time. (If there is more than one assessment. will one the second go garnishment, into effect after the first one is satisfied.) An employer may not discharge an employee for one garnishment upon his wages. The garnishment continues on the person's wages until the debt is satisfied or is lifted by the seller or by the court. If a person is on welfare ( or the garnishment would tend to put him on welfare) then the garnishment is not allowed to be enforece. To prove Residents at work in Model Cities program. this, you should get a letter from the fresh start in life. Of course, this credit - - because you will be labeled caseworker affects your future credit rating. a "high-risk- " credit customer. WAGE ASSIGNMENTS At the There is no particular amount that a ANEW LAW time he buys something on credit or person must owe to go bankrupt. A takes a loan, a person may agree to person can only go bankrupt once There is a new law, called the turn over some of his future earnings every six years. Fair Credit Reporting Act (April, if he fails to make payments on time. Certain debts cannot be 1971), which helps to protect you I -- This is known as "wage discharged in bankruptcy such taxes, against mistakes or wrong assignment." In order to collect upon it, the assignee (creditor) must give at least ten days written notice to the person that he must pay his indebtedness or the wage assignment will be filed alimony, support payments, fraud matters of certain types and a few more complicated types. When you file for bankruptcy, you must declare all of your assets with the debtor's employer. information on your credit file. If you have been rejected for credit, you have the right to see most of the information in your file, and to find out basically WHY you were turned down. You may also find out who has recieved credit reports on you in recent months. If some buying transaction has been disputed which garnishment may be taken off at this time by a court order. If you have any assets, with some exceptions, they will be sold and the money is giving you a bad rating, you can distributed to the creditors. state your side of the story. After 14 There is a $50 filing fee for years, legal actions, such as bankruptcy, but this can be paid in bankruptcy or arrest, are no longer installments. reported by the Credit Bureau to people who may possibly loan you a A creditor does not have to go to court and get a judgement first in order to collect on a wage assignment, as he does on garnishment. It is important, therefore, to know a and all of your debts. Any exactly what kind of agreement you are signing in any credit transaction. Any type of legal paper or notice you do not fully understand should be inspected by a lawyer before you BUILD AND PROTECT are YOUR CREDIT sign it. Wage assignments valid not over for amounts generally It should be clear that a good $1000. BANKRUPTCY - The credit rating is desirable, since credit purpose of bankruptcy is to give the is so much a part of our lives. The honest debtor relief from legal lower your credit rating, the more proceedings for debts and give him a you will have to pay for the use of money. IT IS UPTO YOU Of course, this law doesn't protect you against a bad credit rating. You do that for yourself - -- NO ONE ELSE CAN! YOU have to establish and maintain a good credit rating. |