Farmers who are down on their financial luck will be able to go to mediation before being forced into receivership by banks.
A Farm Debt Mediation Bill will soon be introduced into Parliament which will require creditors to offer mediation to farmers who default on payments before they take any enforcement action.
The bill arises out of concern there is a lot of debt in the primary sector. Last year agriculture debt stood at $62 billion, with dairy $41.5b, sheep and beef $14.1b and “other” including horticulture $6.3b. Four years ago dairy farmer debt was $34b.
In announcing on Monday that the bill had been given the go-ahead by Cabinet, Agriculture Minister Damien O’Connor said farm debt had ballooned out by 270 per cent compared with 20 years ago.
READ MORE:
* Kiwi farmers likely to weather financial storms – Lincoln report
* Farmers more confident about financial future
“Farmers are especially vulnerable to business down-turns as a result of conditions that are often outside their control, like weather, market price volatility, pests and diseases like Mycoplasma bovis.”
The estimated cost to set-up the scheme is $350,000, and the estimated annual cost for administering the scheme is $250,000 to $300,000. This will be met from the existing MPI baseline.
It is expected each case of mediation will cost about $6000. This will be split between the lender and the farmer.
Federated Farmers and the Bankers Association both back the bill. Neither could provide statistics for the numbers of farmers who go into receivership every year.
A similar private member’s bill in the name of NZ First primary spokesman Mark Patterson was introduced last year but was withdrawn at select committee stage because it was considered unworkable.
O’Connor said the bill was “pragmatic”.
“The guts of it is early intervention – where either the farmer or the bank have an ability to go and seek mediation, which is a far better option than forced foreclosure,” he said.
The genesis of the bill goes back to the 1990s when NZ First had attempted to introduce a similar measure. O’Connor said Patterson’s bill had been reworked as a Coalition Government piece of legislation.
One of the reasons why the bill failed to advance last year was the mechanism proposed came too late in the process, by which time a farmer was already under water.
Last year the Reserve Bank warned that while financial stress in the dairy sector was falling, a small number of farmers were struggling to pay down debt.
The numbers of farmers who were at least 90 days overdue with their loans was 2 per cent out of 8059 owner-operators and 3911 sharemilkers.
That figure was an improvement on the worst period for non-performing loans in 2011, when it had risen to 4.7 per cent.
Two years ago 12.7 per cent of dairy farms were “potentially stressed” but that has dropped to 8.6 per cent.
Real Estate Institute spokesman Brian Peacocke said it was difficult to gather accurate statistic

For information about our new Fast Track membership and beating the debt collectors, go here: https://yourlegallegup.com/blog/fast-track-to-victory-over-debt-collectors/.

There’s a rule of pretrial procedure that debt defendants need to know. If the other side submits exhibits before trial, you probably have to object to them – before trial and within a specified amount of time – or the exhibits will come in automatically.

Banks wanting to foreclose on farmers will be forced to head to mediation first, under proposed new law. Agriculture Minister Damien O’Connor discussed the Farm Debt Mediation Bill with Lisa Owen.

http://www.alabamaconsumer.com/2014/09/5-options-sued-debt-collector-alabama/
This is the video discussing the second option — fighting the lawsuit on your own — when you have been sued by a debt collector or debt buyer in Alabama.

The five options you have are:

1. Bankruptcy
2. Fight the case on your own
3. Settle the case on your own
4. Hire a lawyer to fight the case
5. Hire a lawyer to settle the case

Each option has advantages and disadvantages (particularly bankruptcy which we rarely recommend).

When looking at fighting the case on your own (also called being “pro se”), the main advantage is there is no lawyer fee.

The main disadvantage is you don’t have a lawyer.

Typically if you have been sued in Circuit Court you don’t want to choose this option as the level of complexity can be too much to handle on your own.

But if you are sued in District or Small Claims court, and you are willing to spend time instead of spending money, then this may be a good choice for you.

We’ll be glad to help you think through your options.

If you have questions about your options when sued in Alabama, please feel free to get in touch with us by calling us at 205-879-2447 or contacting us through our website AlabamaConsumer.com.

John G. Watts
Watts & Herring, LLC
Birmingham, Alabama

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.

2018-05-16 – Farm Debt Mediation Bill – First Reading – Video 9

Kieran McAnulty

Help us caption & translate this video!

https://amara.org/v/i4xU/

In lifetimes, we might have entered into soul contracts. Or we take vows of poverty or celibacy, make promises, etc. in our various incarnations. These contracts keep piling up over time and limit the expression of your soul in this lifetime, without you knowing what is going on.

In this guided meditation you will cancel, break remove any contracts that you or your ancestors made, that are outdated and do not serve your spiritual evolution and your life’s mission any more. You will also invite the angels and other divine beings to clear karmic junk and assist you in reaching your highest potential.

Book a Spiritual Consultation with Wolfgang:
http://toolsforascensionbywolfgang.com/serviceswhats-your-problem/

email Wolfgang
mailto:wolfgangarndt8@gmail.com

Give a Love Donation to Wolfgang:
http://www.heartsongs-crystal-wands-crowns.com/should_we_pay_for_spiritual_guidance.html

Wolfgang’s web-site:
http://toolsforascensionbywolfgang.com/

Wolfgang’s Facebook:
https://www.facebook.com/The-Gaya-Eagle-Wolf-Healing-Circle-317181928378161/

For a free Pendulum Charts, Platonic Solid Symbol, Desktop Affirmations visit:
http://toolsforascensionbywolfgang.com/resources/

Wolfgang’s Articles:
http://www.heartsongs-crystal-wands-crowns.com/wolfgang_articles.htm

Wolfgang’s Photo Galleries:
http://www.crownsandwandsbyheartsongs.com/wolfgangs_photo_gallery.html

Meeting Your Star Family
https://www.youtube.com/watch?v=1Bmodbrj7YQ

Alien Abductions and Star Seeds
https://www.youtube.com/watch?v=2DsH9xQSZ9Y

The Benefits of Guided Meditations
https://www.youtube.com/watch?v=VhloR9wmhJY

I Do Not Fit In
https://www.youtube.com/watch?v=Z1J68DZlojE

Meeting Your Ancestors
https://www.youtube.com/watch?v=KTZV8n2AD8k

Cord Cutting for the Broken Hearted
https://www.youtube.com/watch?v=K7bOQ3j9iM0

How to Create a Healing Circle
https://www.youtube.com/watch?v=qkqRYhFLBzE

How Ghosts Affect Our Lives
https://www.youtube.com/watch?v=pu_lDNQ53WQ

How to Ascend Ghosts to Heaven
https://www.youtube.com/watch?v=VyFv-IRTwBI

How to Clear a Room of Negativity
https://www.youtube.com/watch?v=i6Ees0Muea8

Clearing Inquisition Trauma for Lightworkers
https://www.youtube.com/watch?v=zf_GnNy6oGk

Defense Against the Dark Arts
https://www.youtube.com/watch?v=VFuCrIOjZ6Y

White Tantra for Spiritual Lovers
https://www.youtube.com/watch?v=9NKcyl5zqEY

Dealing with Guilt
https://www.youtube.com/watch?v=jx51Tw4WogE

Face Reading Secrets
https://www.youtube.com/watch?v=yL6oE8OklDI

Meeting Your Inner Child
https://www.youtube.com/watch?v=qt567PaNNfc

Meeting Your Inner Shaman
https://www.youtube.com/watch?v=p56Iv_XR-CA

Meeting Your Female High Self
https://www.youtube.com/watch?v=ropJCLhEGtI

Meeting Your Male High Self
https://www.youtube.com/watch?v=ftE_cFFO0cU

High Self Encounters
https://www.youtube.com/watch?v=6w8hJafEZ30

Self Massage and Office Chair Stretching
https://www.youtube.com/watch?v=68vRaAqMCrs

The Love Meditation
https://www.youtube.com/watch?v=g_t83Tvoi2k

Love in under 1 Minute
https://www.youtube.com/watch?v=EktGLdtBFVw

Clearing Trauma from Our Atlantis Incarnations
https://www.youtube.com/watch?v=EW2NIdMN1O0

How to Use an Atlantean Style Crystal Wand
https://www.youtube.com/watch?v=OPF4oFIAMn4

Visiting Atlantis
https://www.youtube.com/watch?v=hqqnEGBgd8M

Dragon Breath or Breath of Fire the Easy Way
https://www.youtube.com/watch?v=RedEAovaieE

The Secret of the Platonic Solids Symbol
https://www.youtube.com/watch?v=Yr1SO8nU8O4

Healing Yourself with Black Tourmaline
https://www.youtube.com/watch?v=DM1FWG61HqM

How to Heal Yourself with Rosequartz
https://www.youtube.com/watch?v=-6z6OGZTFFQ

How to Use a Pendulum
https://www.youtube.com/watch?v=uHE9z1Ay0ao

How to Use a Real Crown
https://www.youtube.com/watch?v=Z4s–8VHvLc

Egyptian and Nature Crowns by Ishani
https://www.youtube.com/watch?v=kRCd_QS_An8

How to Use Gems and Crystals
https://www.youtube.com/watch?v=eeMGjdn20xg

How to Use a Real Magic Wand
https://www.youtube.com/watch?v=wjl8JYDssVk

How to Use a Crystal Wand
https://www.youtube.com/watch?v=spF2Q1OaTEw

Magic Crystal Wands by Ishani
https://www.youtube.com/watch?v=pZ7wlZm6bDA

Hands On Healing Easy and Advanced
https://www.youtube.com/watch?v=dU59alK-Lnw

Lazy Ascension Habits
https://www.youtube.com/watch?v=dLZ6ogWJwXg

The Inner and Outer Guru
https://www.youtube.com/watch?v=cppDjRYRNa8

The Chi Defense
https://www.youtube.com/watch?v=rrrQ1D7GFX4

The Divine Kiss
https://www.youtube.com/watch?v=JIhg1HJPf0M

Summons from creditors is one of the expected outcomes of a bankruptcy. Your creditors will file a case against you when you fail to pay. When this happens, you need to seek debt mediation. This kind of arrangement is also known as debt settlement. Usually, the creditor you owe money will hire a credit collection agency to represent them in the case.

For more information, check out their website: http://www.debtmediators.com.au

Karmic chains keep us bound to events, and patterns, and energies, that root us in the past. Dedicated efforts at releasing the past remain incomplete because of this enchainment. To move into the NOW and to be the creator of our own destiny, we must attain liberation from karmic burdens that weigh down our spirit. Please feel free to share this link with others.

NO COPYRIGHT INFRINGEMENT INTENDED
To hear other channelings, talks and meditations please click here:
https://www.youtube.com/channel/UCG-hsFUvGEaUp-0l0J_IA8A?feature=guide

SUBSCRIBE HERE TO RECEIVE THE LATEST UPLOADS. http://www.youtube.com/channel/UCG-hsFUvGEaUp-0l0J_IA8A

Be a part of the Ellaeenah Ascension Network @ www.jadefirelight.com/blog
LIKE my Facebook page Ellaeenah Niloufer
Follow me on Twitter
Read my posts on www.speakingtree.com

Life can be stressful when you have many creditors and not enough sources of income to repay the debts. To make matters worse, it can be hard to keep up with the repayment schedules if you owe different creditors.

For more details, visit their page at: http://www.debtmediators.com.au

http://www.bscc.ca/page/debt-settlement.aspx – Debt Settlement and Debt Mediation – call us today at 1-866-790-8984

or Visit:

Business Solutions & Credit Counselling Services
12033 92A Avenue Surrey, BC V3V 4B8
Tel: 604-951-8984 or 1-866-790-8984
akalsey@bscc.ca
http://www.bscc.ca
https://plus.google.com/109367218980858605482

A consumer proposal is a way to come up with a solution with your creditors to repay your debts. In most proposals you repay less than the full sum outstanding, plus your creditors agree to write off the rest of your debts. It’s a “win-win” for both of you.

Just what is a consumer proposal?

Unlike an informal debt settlement plan, a consumer proposal is a legally binding agreement that you and your administrator work out with your creditors.

For over a decade, the professionals at Business Solutions and Credit Counselling Services (BSCC), a registered, government-approved credit counseling Toronto (as well as Vancouver, Calgary, and Edmonton) firm, has assisted hundreds of thousands of consumers throughout Canada to avoid bankruptcy, prepare a consumer proposal, rebuild their credit, and pay off credit card debt. These are clients who were once struggling to manage excessive debt and financial obligations. We work with each client individually, designing manageable, realistic programs to absolve your financial burden and stress. Debt settlement is one way to avoid bankruptcy and provides positive alternatives for many serious financial situations.

For more information about avoiding bankruptcy and how to become debt free, please visit us at http://www.bscc.ca or call 1-866-790-8984 today!