NLIC.org

Patsy Said:

What is a fair compensation package for commision % & base for an agent @ a brand new nationwide agency?

We Answered:

you should get more

Arnold Said:

The Absense of Justice?

We Answered:

1. You can't "accidentally" drop someone off their mom's auto policy. She'd have to sign. If it really WAS their accident, you sue them, for 'errors and ommissions'. But it wasn't - or the insurance would have added you back on to avoid that lawsuit.
2. That's normal practice, for collection agencies. NEVER EVER EVER give them access to your account. They will do this, FOREVER. Now you have to close the account and open a new one, and NEVER give them access to it.
3. Having your license suspended, for driving uninsured, is a normal practice, in all 50 states.
4. Yes, there is justice left in the world. But it goes hand in hand with RESPONSIBILITY.

Edna Said:

Wouldn't Obama's plan for mandatory health insurance for all Americans violate a fundamental civil right?

We Answered:

Well, I think you are generalizing on some things, but I do agree that as Americans, we should not be forced to purchase anything we choose not to. Insurance does fall into that category.
Personally, I would love to be insured, but at the same time, not by the government. I have a preexisting condition that makes private insurance too expensive to afford unless I can at least double my monthly income, and then, my condition is not covered. Worse, what I have (a muscle condition) is non-communicable, non life-threatening (although the muscle spasms can be excruciating) and easily controlled. Fortunately, I do have a doctor who goes to my church who helps me out in many ways (nothing at all illegal; technically, I am a charity case, and the church intercedes on my behalf) and as long as I don't suffer another catastrophic illness, I'm ok. Not great, but ok.
The government can actually hurt that arrangement, and it's better than any the government can offer me.
Also, to those who compare this choice to paying taxes, please read Article 1 of the Constitution. You will find that the Federal Government (namely, Congress) indeed CAN levy taxes.

Alicia Said:

Where can people with felonies go to find work?

We Answered:

Right now, it is difficult for anyone to find a job. The unemployment rate is the highest it has been since the great depression of the 1920's. The current rate is almost 10% of the workforce in the United States is out of work!

This is measured on people 16 years of age and older who are actively seeking work plus those who have jobs. That is the total workforce available, and 1 out of every 10 people cannot find a job.

With that many people looking for work, employers have the advantage of picking from a very large pool of applicants. Why would they take a chance on someone who has already proved themselves to be a risk to their business when they have so many other applicants who have not been in trouble (or at least have not been caught and hence have no record).

I work for a large retailer. We have even had classes on how to interview so that we get the best available employees because we have so many people applying for the few job openings we offer in each store. With the economy the way it is, not many people are leaving their jobs unless they get fired. So the number of people we need is smaller and the pool of applicants is the largest it has been in history.

So getting a job with a felony on your record is going to be very difficult, unfortunately for you. I know that we do a criminal background check on everyone we hire regardless of what job they will be doing.

It is my understanding that most big companies do that now including Walmart, Target, Sears, Lowes, Home Depot, Kmart, etc. Those places do not "usually as a rule hire felons" as you stated. They never knowingly hire felons! I don't know about fast food places.

With the advent of computer data bases in the past 15 or 20 years, it is very cheap and easy for an employer to get your criminal background record. Years ago it was expensive and took forever, so most places didn't check anywhere except their local courthouse. Not so today; they can do a national check for about $25.00

The best thing for you to do is try fast food and do NOT put on the application that you have been convicted of a felony. If they don't check, you might get the job. If you put it on the app, no matter what they SAY they will not hire you. So you're better off just lying and hope that they don't do a background check.

Many people come to this forum every day asking the same question as you and having the same problem that you have. I have not seen any real answer to their dilemma. Someone suggested going to the local unemployment office and finding out what jobs are available that they could possibly apply for that accept people with criminal records.

It is sad that you can write some bad checks and end up a felon for life when you can charge up tens of thousands of dollars on credit cards and then just declare bankruptcy and you're home free. But that's the way it is.

Don Said:

drivers license suspended for judgement of$10,000 COLLECTION AGENCY WONT TAKE PAYMENTS, ALL OR NOTHING?

We Answered:

Take the bus and start making payments.

You really sorta did this to yourself. You should have car insurance if you intend to drive and you should go to court on your court date.