The Albert C Wagner School - Quality Education for Everyone

Wednesday, August 22, 2012
Based out of Bordentown (Ward Avenue to be precise), in New Jersey State, the Albert C Wagner School is a correction facility school. It offers education from 8th to 12th grades under the high school category to Bordentown and nearby areas. Bordentown is a small town which is known for being the perfect mix of cosmopolitan, spacious localities and serene countryside farms. This institution was named in the honor of Albert C. Wagner, the famed director of the New Jersey Division of Correction & Parole and a distinguished gentleman himself. Vocational, social and academic programs form the basic emphasis part for this center. Most student inmates here are young offenders often held under narcotic charges and other offences. In terms of treatments, group therapy, psychiatric treatment and substance abuse treatment is available at the facility. Governance The Office of Educational Services Department of Corrections is the local agency for the Albert C. Wagner Youth Correctional Facility while the New Jersey Department of Education is state governing agency.

Student Based Demographics A considerable portion of students here are Hispanic and Asian, at around 30 % (this includes Pacific islanders as well). Classification With internet stretching the information sharing aspects like never before, any secondary school directory will provide at least the basic details of alternative educational institutions like the Albert C Wagner School. But, there are many school and college directories which do not accommodate correction educational institutions and youth detention centers, and if these portals do accommodate them, they classify them in the ‘others’ category. In fact, many educational directories put these schools in the ‘alternative education’ category. Courses Completion Aspects / Diploma Recipients No doubt, most high schools offer H.S diplomas after successful completion of the course work, but what makes the Albert C Wagner School special is that more than 95 % of students opt for diplomas (the average is around 80 to 85 % for others). That means, GED recipients and other completers are very less (less than 5 %, considering the average of last few years).

All in all, institutions like Albert C Wagner School have to be commended for their efforts towards providing therapeutic and educational opportunities for young offenders. When it comes to the Albert C Wagner School, getting information from all the 3 sources like the internet based sources, any secondary school directory or any other print media aspects will provide doses of thorough information.

Student Loan Debt Collections Practices

Friday, August 10, 2012
When you have regular unsecured debt, a lender has given you money on the basis you will pay it back. They used your credit history to determine the trust value of loaning money to you. When you default on payments, the lenders will pursue to get paid. The regular collection process for defaulted unsecured debt is that the lender will attempt to get payment and when unsuccessful they will sell it to a collections agency. If the debt continues to be unpaid, the amount may be sold to other collections. Throughout this collections process your debt does not invite threats against your home, car, your bank account or your wages. A defense for the consumer is that there is a statute of limitations for collections on the debt. There is a limit of years (depending on the state you live in) that a business can try to collect the debt. Eventually the collectors will stop calling.

A student loan is an unsecured debt given to a student for continued education and the borrower is expected to start paying off the loan after you finish schooling. These loans come from the Department of Education and this being a government lender, there is no statute of limitations.What does this mean to the borrower? A person who received a student loan will owe the debt for the amount of time it takes to pay it off, and it will not go away until it is paid in full. There is no statute of limitations.
A student loan that is in default may not be discarded in Chapter 7 bankruptcy. It would take proof of a severe financial hardship to make an exception to this rule.How is collections different for student loans?If you default on a student loan, the Department of Education has different options to collect their money. They can subtract money you owe from tax returns.
Take money from Social Security payments.
Have your employer withhold wages.
They will sometimes send loans to outside collections agencies. Third party costs will be paid by the one in debt.
If taken to court, the debtor will be responsible for court costs as well.Is student loan debt disputable? There are three legitimate reasons one can dispute student loan debt.If you can prove that you do not owe the debt, such as stolen identity or no signature on promissory note.
If you have all ready paid the loan.
If you have settled the debt another way.Conditions will be made for those who become permanently and totally disabled and other rare circumstances.Third party collections are highly motivated to collect on your debt if given the opportunity by the Department of Education. They get to keep 25 cents for each dollar collected. Some of these collections will step over the what is legal for collections line in order to get paid. In defense to the one in debt, these collections agencies must follow the same rules as any other according to the Fair Debt Collection Practices Act. No debt collector is allowed to threaten, harass, mislead or embarrass you deliberately in order to get you to pay.