checks A collector can ask that you write a post-dated check, but you cannot be required to do so. If you give a collection agency a post-dated check, under federal law the check cannot be deposited before the date written on it. And if you give the agency a check with the date more than five days in the future, the collector must give you timely written notice before the check is deposited. A collection agency cannot: - publish lists of people who owe money; use a badge or uniform of a law enforcement agency or claim to be from a government agency; - use documents which look like court or government documents, telegrams, or emergency messages; - make collect phone calls or send collect telegrams; - violate postal regulations; - threaten to add charges that aren't legal, for example, an interest rate higher than the rate in the original contract; - garnish your wages or take your home or possessions without a court judgment, or; threaten to have a debtor put in jail for bad debt. Title: College Credit Cards - Smoothing Out Your First Credit Wrinkles Word Count: 561 Summary: This article explains how college students can optimize the use of their college credit card and avoid complications caused by late payments and excessive bills. It shows how a little planning can go a long way in simplifying college expenses. Keywords: College Credit Card,College Credit Cards,College Student Credit Cards Article Body: College student credit cards have replaced student loans as a freshmanÆs first experience with student credit. At the sophomore level, out of a sample of 100 students, over 90 are found to hold at least one college credit card. The question is û why do many students find themselves in a vicious cycle of debt with their college credit cards? Why are they astonished with the huge bills they receive each month? Most importantly û must it necessarily always be this way for a college credit card user or is there a simpler way? There are plenty of statistical indicators to suggest that students run up credit bills regularly yet they do not pay down their card balances nearly enough. Approximately 21% of college credit card users have balances between $3,000 and $7,000. The number of credit cards in an average studentÆs possession keeps increasing û a sign that they might be acquiring new cards to pay off balances on old ones. But this only leads inevitably to their overall credit balance increasing even faster, adding more debt to a seemingly never-ending
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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