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THE first couple of times Alfred J. Carpenter was turned down for a job, he didn’t know what to think.

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He been laid off early in the recession and then had the bad fortune of tearing tendons in his knee just when he didn’t have health insurance. The job market was terrible and he had been out of work for more than a year. But the managers at the first two shoe stores to which he applied in the summer of 2010 seemed to be taken by his résumé. He had sold shoes for six years at Salvatore Ferragamo on Fifth Avenue and later at J. M. Weston, where a pair of men’s dress shoes can cost $2,000. The manager at one shop was already discussing salary. The other, he said, invited him to fill out the paperwork normally done on the first day on a job.

“Who does that if they’re not planning on hiring you?” Mr. Carpenter asked.

Yet neither job materialized. One manager, he said, “basically hung up on me.”

A friend at Bergdorf Goodman, the high-end clothier, secured him an interview for an opening in the shoe department. But when Mr. Carpenter confided to his friend that his finances were a mess, “he tells me, ‘Oh, you’ve got bad credit? They’ll never hire you.’ ” Sure enough, a week or two later, Mr. Carpenter said, he received a notice from Bergdorf informing him that while running a credit check, the store found information that played a role in its hiring decision. It was a so-called adverse action letter that by law a business conducting a credit report is supposed to send to an applicant.

Mr. Carpenter kept applying for jobs and kept checking off the box granting his would-be employer permission to look into his past. And he kept being turned down. There was the recession and there may have been dozens of applicants for each of these jobs. But while Bergdorf was the only company to follow up a job rejection with an adverse action letter, Mr. Carpenter became convinced that his credit report was a curse.

“No one lets me explain, ‘Hey, I had this freak injury when I didn’t have health insurance,’ ” he said. “It’s black and white: ‘You have these bad marks on your record, you don’t get hired.’ ” Down to his last $200, he applied for and was granted food stamps and federal housing assistance.

“There’s no reason,” he said, “a strong, able guy like me should have to go on welfare.”

PEOPLE tend to think of banks and other lenders as the main users of credit reports. But over the last several decades, credit reporting bureaus have been selling their services to a much wider range of buyers.

“Credit reports are really seeping into the soil,” said Sarah Ludwig, co-director of the Neighborhood Economic Development Advocacy Project, a New York-based nonprofit. “It’s taken an outsized role in employment, housing and insurance.”

For those seeking a job, it can lead to what Chi Chi Wu, a staff lawyer at the National Consumer Law Center in Boston, calls “a bizarre, Kafkaesque experience.”

“Someone loses their job,” Ms. Wu said, “so they can’t pay their bills — and now they can’t get a job because they couldn’t pay their bills because they lost a job? It’s this Catch-22 that makes no sense.” It can also be a kind of backdoor job discrimination, Ms. Wu contends, given the numerous studies that demonstrate that those black, Latino or simply poor are more likely to have lower credit scores than those who are white and have means.

Experian, one of the big three credit reporting bureaus, states in its marketing materials, “Credit information provides insight into an applicant’s integrity and responsibility toward his or her financial obligations.”

But to Ms. Wu and others, a credit report says more about a person’s economic circumstances than his or her moral character. “Some people can go to daddy and say, ‘I can’t pay my bills, will you bail me out?’ ” Ms. Wu said. “And others can’t.”

Nearly half — 47 percent — of employers use credit checks when making a hiring decision, according to a 2012 survey by the Society for Human Resource Management. Most businesses use credit checks only to screen for certain positions, but one in eight, the survey found, does a credit check before every hire. “We’ve heard from dozens of people over the past several years who say they’re being denied jobs specifically because of a credit check,” Ms. Ludwig said. The people contacting her group, she said, are “mostly lower-wage workers,” especially those applying to big retail chains.

“Prohibiting the use of credit checks in employment is now our number one campaign,” Ms. Ludwig said. “Because it’s discriminatory. And because the last thing we need in a recession is another barrier to employment.”

Lawmakers in some jurisdictions have proved sympathetic to those arguments. Nine states have adopted legislation that curbs the use of credit reports to judge prospective hires — seven of them since the start of 2010. Representative Steve Cohen, Democrat from Tennessee, has sponsored federal legislation that would restrict their use. The New York Legislature and the New York City Council are considering strict new laws that would greatly limit an employer’s ability to do credit screening.

Advocates and lawmakers are already seeing the impact of their efforts. The Society for Human Resource Management started polling members about use of credit reports as a pre-employment tool in 2004. Over the years, the numbers were consistent: six in 10 businesses indicated that they used them. But in its most recent survey in 2012, that number fell to just below five in 10. That decline no doubt is the result, in part, of new state prohibitions and the attention the issue has received in the last few years, said Kate Kennedy, a spokeswoman for the society. But she also notes that her association has been educating its members in the importance of looking at “how relevant a credit check is for a particular position.”

That is bad news for the big three credit reporting bureaus: Experian, TransUnion and Equifax. But how bad is anyone’s guess. None of the three reveal what portion of overall revenue is derived from employment-related credit checks. Even if they did, the number would only offer a partial picture, said Terry W. Clemans, executive director of the National Consumer Reporting Association, an industry trade group based in Roselle, Ill. “There are several hundred companies out there that specialize in employment screenings,” he said.

Mr. Clemans saw the rapid increase of employment screening through the 1990s and into the 2000s, and considers the rising concern about its use in the last few years “hysteria.” “Credit is one data point that businesses are using to get an overall feel,” Mr. Clemans said. “Does this consumer have a lifestyle that fits the job? Is this someone who I can trust?” It is not the only factor.

“People are assuming because they checked that box agreeing to a consumer report and they were late in paying their Visa bills, that’s why they didn’t get a job,” Mr. Clemans said. It’s easier to blame the credit bureaus, in other words, than to accept that you weren’t the best possible candidate.

STEVEN BURMAN is the founder and president of Credit Advocates, a nonprofit in New York that helps consumers who have credit problems. In the past, people who were rejected for bad credit for a job in financial services might show up for help, but by and large his clients were trying to secure a home loan.

“What’s changed over the last four or five years is now I’m hearing from all these people who are concerned about finding work,” he said. And instead of stockbrokers, Mr. Burman is seeing “regular people looking for blue-collar low-wage jobs” such as security guard or retail clerk.

The problem is most pronounced among women he counsels at a homeless shelter in the Bronx. Those clients are almost all out-of-work single mothers. “They all want to do the right thing,” he said. “But they have terrible credit and none of them can get jobs because of it. It’s a vicious cycle.”

Despite his sympathy for his clients, Mr. Burman told me that he never makes a full-time hire at Credit Advocates without first pulling that person’s credit report. An employee dealing with bill collectors could be a distracted worker, he said. And how financial problems are explained could offer insights into an applicant’s character: Does he take responsibility for debts, or does she blame problems on someone or something else?

“I see it as the start of a dialogue,” he said.

Besides, a credit check is relatively inexpensive. A basic employment screening package can cost $19 to $50 per applicant. “If you have five people and can’t make up your mind, why not pull credit reports?” Mr. Burman asked.

The millions of Americans who saw their credit damaged during the financial crisis in 2008, however, might find Mr. Burman’s rationale unfair.

Gustavo Panesso, a man in his 50s who lives in Queens, was driving to his orientation to be a sales associate at the J. Crew store in Rockefeller Center in August 2010, he said, when his cellphone rang. “It was the man who was supposed to be my supervisor,” Mr. Panesso said. “He tells me, ‘Gustavo, I regret to say that we’re going to have to cancel your orientation because there was a problem with your credit report.’ ”

In Mr. Panesso’s case, the trouble was related to a pair of credit cards he had co-signed for his sister; she had lost her job a few years earlier and the cards were in default. He tried explaining the situation to his would-be bosses, and even hired a lawyer, “but they told me unless I cleared up this discrepancy, we can’t hire you.”

Moreover, credit reports are often inaccurate. In February, the Federal Trade Commission released a report indicating that one in four consumers was likely to find at least one mistake in his or her credit report.

Mr. Panesso was rejected for jobs at several more big national retail chains. But J. Crew, he said, was the only business to send him an adverse action letter. Did that mean the others rejected his application for other reasons? It’s impossible to know for sure.

Amy Traub, a senior policy analyst at the liberal-leaning policy group Demos, and the author of “Discredited: How Employment Credit Checks Keep Qualified Workers Out of a Job,” a report released in March, says that the law requiring an adverse action letter is rarely enforced. “We found that many employers don’t” send them, Ms. Traub said.

Mr. Panesso now picks up odd jobs when he can find them. “Quite frankly,” he said, “I gave up.”

ALFRED CARPENTER, the shoe salesman, can relate. Now a fit man in his 50s, he lives in Bensonhurst, Brooklyn, where he grew up. After graduating with a two-year associate’s degree from Kingsborough Community College, he worked his way up in the shoe business, landing at Ferragamo. In a good year, he said, he would earn $60,000 to $70,000.

In his mid-30s, he quit Ferragamo to study acting. But after two years of trying to catch his big break, he ran out of money and, in 1999, he returned to selling shoes. In 2007 he took a job at Paul & Shark, a store specializing in yachting clothes. In August 2007, four months after he started, Mr. Carpenter was laid off. Not appreciating the size of the economic cataclysm that was about to rock the globe, he decided to take several months off before looking for another job.

“I figured with my résumé, I’d get another job easy,” he said. He also decided he wasn’t going to waste money buying health insurance. “I’m a healthy guy,” he said. “And it was too expensive.”

One day, playing in his regular Saturday morning roller hockey game, he ripped the tendons in one knee. The medical bills — the ambulance, the surgery, rehabilitation — piled up. “Every time I’d open my mailbox,” Mr. Carpenter said, “there’d be another six or seven bills.” A clerk in the hospital’s billing department suggested that he could wipe out his nearly $50,000 in medical costs by filing for bankruptcy.

Sitting at a metal table in his kitchen, he held up the final bankruptcy notice. “This is the cause of all my problems,” he declared. “Without this, I could’ve worked anywhere in the city. I would have had a hundred jobs.”

Mr. Carpenter would try talking to the employers who turned him down. “Was it the bankruptcy?” he would ask. But he never got a satisfying answer, just hemming and hawing. “I could hear it in their voice,” Mr. Carpenter said. After a while, he tried pre-emptively bringing up the bankruptcy in interviews, but that only led to more awkwardness.

Luckily, Mr. Carpenter said, he still lived in the rent-controlled apartment in which he grew up. The monthly rent was $600 and he was able to split the cost with a roommate once things turned bad. The federal assistance amounted to $400 or so a month. But even then he feared ending up homeless, worried that he would never find another job.

“I tell the woman my story during intake,” Mr. Carpenter said about his visit to apply for food stamps and other aid. “And she goes, ‘We hear that story all the time, about the credit.’ She said, ‘Yeah, we know, if you’ve got bad credit, you’re not getting a job.’ ”

SOME jobs require a credit check by law. Depending on the state, that includes positions as teachers, police officers, firefighters and day care operators, said Ms. Kennedy at the human resource society.

Most of the state laws curbing the use of credit reports as an employment screen carve out exceptions for people applying for supervisory positions or executive positions inside a financial institution. Mr. Cohen’s House bill creates exemptions for those seeking a national security clearance.

But what about everyone else?

Companies that use credit reports as an employment screen seem generally reluctant to talk about how or why they use them. Bergdorf Goodman declined to comment, as did several other retailers who rejected Mr. Carpenter for a position. A J. Crew representative said that the company stopped reviewing credit reports in 2012.

“Employers are looking for a sense of responsibility,” said Richard Mellor, a vice president at the National Retail Federation. “They want to see that an individual pays their bills on time and takes responsibility for what they buy.”

The Web site of a pre-employment screening company, Info Cubic, says, “A credit report can be an important indicator of financial responsibility for employees with fiduciary or cash handling responsibilities, access to expensive equipment, other people’s property, or otherwise placed in a position of financial trust.”

Experian’s pitch is more ominous: “Every time you hire a new employee you put a lot on the line,” says a company brochure. “The wrong decision could jeopardize your firm’s assets, reputation, or security.”

Consumer advocates say that there is little evidence for the industry’s claims of a connection between a credit report and an employee’s trustworthiness. One study published in 2008 in the International Journal of Selection and Assessment suggested a correlation between a person’s financial history and workplace theft. But a 2011 study in the Journal of Applied Psychology found no link between a person’s credit score and what it called “deviant” behavior like workplace theft. (It did, however, find a correlation between a low credit score and an agreeable personality.)

Critics also have the testimony of the TransUnion official who told the Oregon Legislature in 2010, “We don’t have any research to show any statistical correlation between what’s in somebody’s credit report and their job performance or their likelihood to commit fraud.”

“As a researcher, I’d like to think that if about half of all employers are doing this, they must have some real evidence that it’s valuable,” said Ms. Traub of Demos. “But in this case that evidence is really lacking.”

MR. CARPENTER finally landed a job at the end of 2011. He caught a break after he confided his troubles to a friend in the shoe business. The friend, too, had credit problems but had found work at a Manhattan shoe store. Mr. Carpenter secured a job there and, last fall, he moved to another store where the pay was better. “I’m happy,” he said, but he also feels shellshocked.

“I have this accident and mess up my credit,” Mr. Carpenter said, “and now I’m the guy people don’t see as trustworthy.”

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Rimini Street, Inc., the leading third-party maintenance and support provider for enterprise software, including SAP AG’s Business Suite and BusinessObjects software and Oracle Corporation’s Siebel, PeopleSoft, JD Edwards, E-Business Suite, Oracle Database and Hyperion software, today announced delivery of its global tax, legal and regulatory updates, including the 2013-C update for PeopleSoft licensees as well as updates affecting SAP and JD Edwards licensees for North American payroll, ahead of the vendors’ own scheduled delivery date for similar updates. Rimini Street’s updates provide significant new tax, legal and regulatory requirements for several countries, including the US, Canada, Australia, Brazil, Portugal and Belgium. Through an innovative combination of patent-pending tax, legal and regulatory research technology, methodology and ISO-certified quality processes, Rimini Street ensures clients receive the most accurate deliverables with the fastest “legislature-to-live”SM update delivery cycle in the industry.

US and Canadian Updates

In the US and Canada, there were numerous tax, legal, and regulatory updates required by the Internal Revenue Service (IRS), Canada Revenue Agency (CRA), and various state, local and provincial agencies.

At the US federal government level, Rimini Street updates contained reporting changes to assist with the Additional Medicare Tax withholding specified on IRS Form 941. In addition, updates were delivered for state withholding tables, allowance amounts and Federal Unemployment Tax Act (FUTA) tax changes. New wage garnishment rules were delivered for California and Idaho, effective July 1, 2013, and several local tax updates were also provided for municipalities in Kentucky, Ohio, and Pennsylvania.

For clients in Canada, Rimini Street delivered updates to address changes published by the CRA, effective July 1, 2013. The New Brunswick Budget, tabled on March 26, 2013, announced that effective January 1, 2013, the province will increase the provincial tax rates.

Global Updates

With tax, legal and regulatory delivery capabilities for nearly 200 countries, Rimini Street recently provided many required tax, legal and regulatory updates to its global clients.

For example in Australia, Rimini Street delivered Employment Termination Payment (ETP) forms and magnetic media files, Payment Summary Reconciliation reports and Australian start-of-year updates, which includes updates to superannuation and taxation rates and thresholds, plus protected earnings limits. For Portugal, Rimini Street delivered an updated SAFT-PT file (Standard Audit File for Tax Purposes) Ordinance n.383/2012 and the compulsory certification of invoicing, as required by the Portuguese Tax Authority. Clients in Belgium received updates for the Intracommunity Declaration XML file. In Brazil, Rimini Street’s tax, legal and regulatory team is working on updates for Accounting SPED, the electronic delivery of Daily and Journal books required by the Brazilian Internal Revenue Service.

Industry-Leading Tax, Legal amp; Regulatory Research and Technology

Rimini Street’s tax, legal and regulatory strategy and scoping team is made up of veteran tax specialists, attorneys and international tax, legal and regulatory professionals who use patent-pending technology and numerous government and private-sector sources to monitor, collect and verify tax, legal and regulatory changes. These sources include more than seven thousand government web sites and information resources for 24,000+ localities in nearly 200 countries. Rimini Street also participates as a member in many prominent tax, legal and regulatory associations around the world, including the American, Canadian and Australian Payroll Associations, the American Bar Association Section of Taxation and the Tax Executives Institute. The innovative combination of technology, proven methodology and ISO 9001 quality processes consistently assures the fastest “legislature-to-live”SM update delivery cycle and highest quality deliverables in the industry.

Proven and Reliable Global Delivery

“Rimini Street’s ISO-certified processes and patent-pending tax, legal and regulatory research technology and methodology make it the industry’s most robust and comprehensive tax, legal and regulatory solutions available,” said Paul Henville, Rimini Street group vice president, global development. “Our dedicated team of tax, legal and regulatory professionals has delivered more than 50,000 critical updates to date and helped hundreds of clients around the world, from Fortune 500, to global, midmarket and public sector organizations, keep their applications up to date and compliant with the latest tax, legal and regulatory changes.”

About Rimini Street, Inc.

Rimini Street is the leading third-party provider of enterprise software support services. The company is redefining enterprise support services with an innovative, award-winning program that enables Oracle and SAP licensees to save up to 90 percent on total support costs over a decade, including saving 50 percent on annual support fees. Clients can remain on their current software release without any required upgrades or migrations for at least 10 years. Hundreds of global, Fortune 500, midmarket, and public sector organizations from virtually all industries have selected Rimini Street as their trusted, independent support provider. To learn more, please visit http://www.riministreet.com or call within the USA 888-870-9692 or internationally +1 702-839-9671.

# # #

Rimini Street and the Rimini Street logo are trademarks of Rimini Street, Inc. All other company and product names may be trademarks of their respective owners. Copyright 2013. All rights reserved.

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Bad credit scores are the modern American plague. Thanks to our currently struggling economy, it is far too easy to badly damage one’s credit, and far too hard to build it back up. Credit Cards are often needed for emergencies like unexpected medical bills or the need for transportation. However, many people do not have a credit card and will find it nearly impossible to obtain one due to their damaged credit scores or history. In the event that anyone needs a credit card, but are being held back by crippling credit scores, Credit Help Cards offers a new and unique solution.

Those who have been rejected by their bank or other credit card providers still have hope in Credit Help Cards. The business is able to approve over 95 percent of their applicants for major credit cards with high maximums, low rates, and no hidden fees. Customers even have the chance to tailor the card to their specific needs. When applying, customers may pick which type of card they would prefer (MasterCard, VISA, Discover, and American Express). Credit Help Cards also makes sure that each card type and agreement is perfect for their customers by making sure that the payments and rates are affordable and reasonable for each applicant.

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Tax debt is a common problem that comes with many different kinds of consequences. The tax professionals at CTR have launched a new program to address one of the more difficult actions taken by tax agencies: wage garnishment. This new program’s main function is helping taxpayers that owe the IRS money from unpaid taxes, penalties and interest on unfiled income tax returns. By using a 2-step process based on the company’s tax debt relief service, CTR’s tax experts will successfully resolve a client’s issue in a manner that’s been proven effective through thousands of cases.

“Here at CTR, we’re all about building on what works to broaden the scope of our services,” said a CTR spokesperson. “Our new wage garnishment program uses the methods we defined when we set up our IRS debt relief protocol years ago. Then we added techniques that will get to the root of the issue and stop tax agencies from continuing collection actions. All of our tax professionals handling these cases were given training on how to stop wage garnishment through the most effective means, such as getting clients into repayment agreements or removing their tax liabilities altogether.”

There are several different options that government tax agencies provide to anyone owing the IRS or states for unpaid tax balances. For this reason, CTR’s specialists start this new program by performing thorough investigations of an individual’s finances from the client’s perspective as well the IRS’. This action leads to a personalized solution based on a taxpayer’s personal debt scenario. Whether the tax debt stands alone or is accompanied by other financial obligations, expenses and income are factors that determine what needs to be addressed by any repayment option chosen.

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CTR offers tax debt resolution and tax services for individuals and businesses across the United States. The company uses a three step program to create personalized strategies to help taxpayers settle their IRS debt. The company offers many services, including: state and federal tax debt resolution, IRS audit defense, tax preparation and bookkeeping.

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[Press Release Distribution]

The two certainties in life are said to be death and taxes. While the former is simple and definitive, that could never be said about the latter, which is increasingly complex and subject to a myriad of loopholes and pitfalls. For many who take a simplistic approach to dealing with their taxes, they can often be found to owe a great deal more than they thought, and in tough economic times the budget may simply not be there to cover the additional tax costs. Tax Relief ASAP hopes to help people caught in a tax trap to find the relief they need.

The site begins with a home page that lists many of the most common IRS tax penalties, designed to help explain how individuals might have found themselves in this situation without realizing it. Once individuals understand the nature of the tax penalties laid against them they can start looking for ways to deal with them.

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A spokesperson for Tax Relief ASAP explained, “It is important to make the distinction between tax relief and tax avoidance. It’s an unfortunate reality that in today’s economic climate some people are crippled by their inability to pay tax, and as situations like these work to no-one’s favor, it is in the best interests of the government to find tax relief schemes that can help people manage their debts effectively, rather than punitively. We provide information on a wide variety of such solutions so people can see light at the end of the tunnel and begin working to remedy their situation right away. We would warn tax payers against going it alone with Tax Resolution, it’s vital to get professional help in order to get the best possible outcome in the quickest time possible. Speed of resolution is very important because any outstanding tax matter can have a negative effect on a business or an individual.”

About Tax Relief ASAP
Tax Relief ASAP is a site that was created to help people find the tax information and help they need to resolve their tax problems. The site can help people with many tax problems including back taxes, tax settlement and negotiation and wage garnishment. Users can use Tax Relief ASAP to find solutions to all of their tax problems.

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Contact Info:
Name: Fred Taxmanno
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Organization: Tax Relief ASAP

Source: http://marketersmedia.com/tax-relief-asap-warns-tax-payers-to-get-help-with-tax-resolution-2/15301

Via: MarketersMedia PR Distribution

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Under the scheme, some 110,000 out of 2.36 million delinquent borrowers whose credit rating plummeted due to joint liabilities during the two-year financial turmoil will have their records erased by local financial institutions from July, according to the Financial Services Commission (FSC) and other state-run financial agencies.

Its part of a credit recovery the government has been trying to implement that restores the credit of those who have been labeled as bad debtors, a high-level government official said.

The removal of bad credit records is the first bailout scheme pushed by the government for debtors in arrears from the crisis. There have been conflicting arguments as to whether it is appropriate to salvage debtors who buried themselves in financial troubles.

FSC Vice Chairman Jeong Chan-woo, however, dismissed the criticism over moral hazard, saying its giving heavy debtors an opportunity to lift themselves out of default.

Its wrong to describe it as a pardon because its meant to help defaulters resume daily financial activities through restructuring their debts.

Those subject to benefit from the plan will mainly include the low-credit group that saw their credit ratings plunge after business bankruptcy or a layoff during that time, it said.

Such a bailout plan came as the incumbent government, led by President Park Geun-hye, has stepped up efforts to prop up the livelihood of the underprivileged who have been disadvantaged by their low credit rating.

A lot of their debts became delinquent during the Asian financial crisis because they were held liable for other peoples debts under joint surety contracts.

Nearly two decades later, they still suffer a disadvantage in taking out a new loan or getting a new credit card due to their bad credit records.

But the government made it clear that expanding the bailout to outstanding delinquents from the credit card bubble or the 2008 global financial crisis is not an option, citing different circumstances. In 2003, the local economy was hit hard by a bubble burst in the credit card industry, resulting in massive credit downgrades of some 1.26 million card users, according to the FSC.

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These reports point to several parallel trends that combine to
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Benefits Research Institute has reported that the median credit
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American Canyon Fourth of July Festival booth applications and Sponsorship applications are now available in the Parks and Recreation Office, 100 Benton Way. The 2013 Festival theme is “Showcasing American Canyon.” The event will celebrate the heart of what our community is all about; patriotism, community and fun.

Luncheon fundraiser

for Relay For Life

Come to the City/Police/Fire Relay For Life team’s Second Annual Luncheon Fundraiser Wednesday, June 18, 12-1 pm at the American Canyon Fire Apparatus Bay, 911 Donaldson Way East, American Canyon. Donation is $5 per plate. American Canyon’s Relay For Life is June 22-23 at Donaldson Way School. For more information, contact Kent Barnes at 707-246-1940 or go to the website: relayforlife.org/americancanyonca.

Movies in the Park

This week’s movie: “Wreck it Ralph.” Come enjoy this great family activity. Dont forget to grab a slice of pizza, wings or yogurt before the movie. Movies begin at dusk at Main Street Park, 5050 Main Street and are free. Movies in the Park is offered every Friday evening June 7 -July 26 at Main Street Park. Those planning to attend are encouraged to bring folding chairs, jackets and blankets. An adult must supervise all children. Alcoholic beverages and glass bottles are not permitted.

Debtors’ rights clinic for

residents of Napa County

Are you being sued on a credit card debt? Do you need help preparing for a case management conference in your debt collection lawsuit? Are you being harassed by debt collectors? Do you have questions about whether bankruptcy might be right for you? Do you want to find out if your income is protected from collection activities? Do you need help filing a wage garnishment claim of exemption?

If so, then this clinic is for you. Clinics are free of charge but RSVP required: Call (707) 980-7024. SparkPoint Center, Canyon Plaza, 3423 Broadway, Suite D1,American Canyon. Free advice from a lawyer before you go to court. June 8, 10 am—2 pm

Kids summer camp

Canyon Kids Summer Camp begins June 17. Are your kids registered yet? Canyon Kids: Children grades 1 – 8; Kinder Kids: Children entering kindergarten.

Camp is June 17 – Aug. 2. Monday – Friday, Canyon Kids: 8am – 5pm; Kinder Kids: 8am – 12 noon. Canyon Kids Weekly Fee: $80 for residents, $120 for non-residents; Kinder Kids weekly fee: $50 for residents, $55 for non-residents. Canyon Kids are offered fun age appropriate games, arts and crafts and other great activities including a weekly field trip and swimming. Kinder Kids are offered similar games, arts and crafts and fun.

Dine and Donate for Relay For Life

Come dine and donate at Firewood CafÃ, 3824 Bel Aire Plaza, Napa on Tuesday, June 11, 11 am – 9 pm to support the Redwood Regional Medical Group Team for American Canyon’s Relay For Life (June 22-23 at Donaldson Way School). For more information and to download the dine and donate flyers, please go to the website: relayforlife.org/americancanyonca.

Call for Artists

There are two opportunities for artists who would like to show and sell their work at the Napa County Fair amp; Fireworks, July 3-7 in Calistoga. Amateur and professional artists in all mediums are invited to enter their work in competition at the Fair, and are invited to offer those works for sale as well.

Artists and craftsmen are also being sought for the Fairs Art in Action program. Artists working in all mediums from painting to pottery, fabric to beading, to sculpture and stained glass are invited to showcase their skills during the Fair. Artists may display works for sale and marketing materials while they are on-site.

With the Fairs increasing focus on celebrating the food, wine, art and culture of the Napa Valley, the Art in Action program will allow visitors to experience the extensive range and high caliber of art available in the area. Artists will be located at various locations on the event grounds.

The art exhibition and sale will be housed in the 10,000 square foot Napa Valley Building and will be featured at the Fair’s Gala A-Fair on Wednesday, July 3. This exhibit hall will feature the best that Napa County has to offer in arts, culture, food, the wine industry, and the Napa Valley Olive Oil competition.

Artists and craftsmen interested in demonstrating their talents should contact the Fair office at 707 942-5111. Those interested in the competition, show and sale must submit their entry forms by Friday, June 21. The call for artists includes Napa, Solano, Sonoma, Lake, Marin, and Mendocino Counties.

Visit NapaCountyFair .org for more information.

Congregation Bnai Israel

1256 Nebraska Street, Vallejo. Saturday, June 8, Shabbat Services with Rabbi White, 10 am

Sunday, June 9, Community Parking Lot Sale, 8 am – 3 pm, spaces available; Friday, June 14, ShaBBQ Potluck, 6:45 am and Shabbat Services, 8 pm; Rabbi David White, 642-6526, bnaisrael.com.

Unitarian

Universalist

Fellowship

Sunday, 9:30 am and 11 am, Intern Jenn Gray will speak on “Stepping Into the Tardis,” an exploration of the intersection of endings, beginnings and time travel. Child care provided at both services, religious education at 11. Boys amp; Girls Club of Napa Valley, 1515 Pueblo Ave., Napa. Information at: uunorthbay.org.

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