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Experiencing a Financial hardship?

A WAGE GARNISHMENT OR INCOME WITHHOLDING CAN BE CHALLENGED BY REQUESTING A HEARING UNDER 45 CFR 32.5. IF YOU WERE FIRED, OR HAVE SOME TYPE OF DISABILITY YOU CAN FILE A FINANCIAL HARDSHIP UNDER 45 CFR PART 32.9
§ 32.9 Financial hardship.

(a) A debtor whose wages are subject to a withholding order may, at any time, request a review by the Department of the amount garnished, based on materially changed circumstances such as disability, divorce, or catastrophic illness which result in financial hardship.

(b) A debtor requesting such a review under paragraph (a) of this section shall submit the basis for claiming that the current amount of garnishment results in a financial hardship to the debtor, along with supporting documentation. The Secretary shall consider any information submitted in accordance with this part.

(c) If a financial hardship is found, the Secretary shall downwardly adjust, by an amount and for a period of time established by the Secretary, the amount garnished to reflect the debtor‘s financial condition. The Secretary will notify the employer of any adjustments to the amount to be withheld.

 

Source: 45 CFR § 32.9 – Financial hardship.

Related: https://www.nbcnews.com/nightly-news/video/financial-hardships-force-growing-number-of-farmers-to-give-up-family-business-1451407939513

Purdue Pharma Maker of OxyContin agrees to Settlement in Oklahoma via WHNT.com

OKLAHOMA CITY (AP) — The maker of OxyContin and the company’s controlling family agreed Tuesday to pay a groundbreaking $270 million to Oklahoma to settle allegations they helped create the nation’s deadly opioid crisis with their aggressive marketing of the powerful painkiller.

It is the first settlement to come out of the recent coast-to-coast wave of nearly 2,000 lawsuits against Purdue Pharma that threaten to push the company into bankruptcy and have stained the name of the Sackler family, whose members are among the world’s foremost philanthropists.

“The addiction crisis facing our state and nation is a clear and present danger, but we’re doing something about it today,” Oklahoma Attorney General Mike Hunter said.

Nearly $200 million will go toward establishing a National Center for Addiction Studies and Treatment at Oklahoma State University in Tulsa, while local governments will get $12.5 million. The Sacklers are responsible for $75 million of the settlement.

In settling, the Stamford, Connecticut-based company denied any wrongdoing in connection with what Hunter called “this nightmarish epidemic” and “the worst public health crisis in our state and nation we’ve ever seen.”

The deal comes two months before Oklahoma’s 2017 lawsuit against Purdue Pharma and other drug companies was set to become the first one in the recent barrage of litigation to go to trial. The remaining defendants still face trial May 28.

Opioids, including heroin and prescription drugs like OxyContin, were a factor in a record 48,000 deaths across the U.S. in 2017, according to the Centers for Disease Control and Prevention. Oklahoma recorded about 400 opioid deaths that year. State officials have said that since 2009, more Oklahomans have died from opioids than in vehicle crashes.

Other states have suffered far worse, including West Virginia, with the nation’s highest opioid death rate. It had over 1,000 deaths in 2017.

In a statement, Purdue Pharma said the money that will go toward addiction studies and treatment in Oklahoma will help people across the country. CEO Craig Landau said the company is committed to “help drive solutions to the opioid addiction crisis.”

Plaintiffs’ attorney Paul Hanly, who is not involved in the Oklahoma case but is representing scores of other governments, welcomed the deal, saying: “That suggests that Purdue is serious about trying to deal with the problem. Hopefully, this is the first of many.”

But some activists were furious, saying they were denied the chance to hold Purdue Pharma fully accountable in public, in front of a jury.

“This decision is a kick in the gut to our community,” said Ryan Hampton, who is recovering from opioid addiction. “We deserve to have our day in court with Purdue. The parents, the families, the survivors deserve at least that. And Oklahoma stripped that from us today.”

Purdue Pharma introduced OxyContin in the 1990s and marketed it hard to doctors, making tens of billions of dollars from the drug. But the company has been hit with lawsuits from state and local governments trying to hold it responsible for the scourge of addiction.

The lawsuits accuse the company of downplaying the addiction risks and pushing doctors to increase dosages even as the dangers became known. According to a court filing, Richard Sackler, then senior vice president responsible for sales, proudly told the audience at a launch party for OxyContin in 1996 that it would create a “blizzard of prescriptions that will bury the competition.”

Earlier this month, Purdue Pharma officials acknowledged that they are considering bankruptcy . But Oklahoma’s attorney general said the company gave assurances it will not take such a step in the near term. And he said the settlement money is “bankruptcy proof” — that is, “it’s not at risk in the event Purdue declares bankruptcy.”

Lance Lang, a 36-year-old recovering user from Oklahoma City, said he is glad some of the settlement will go toward helping those still suffering from addiction.

“My heart breaks for those that we’ve already lost. I’ve buried several myself,” said Lang, who now helps recovering users find housing. “But I also know we have waiting lists of dozens and dozens for our facilities, and the state has waiting lists of hundreds and hundreds of people who need help right now.”

But Cheryl Juaire, whose 23-year-old son Corey died of an overdose in 2011, said she was devastated to hear about the settlement.

Jauire, who lives in Marlborough, Massachusetts, had been organizing a group of hundreds of mothers to go to the first day of the trial and stand outside with photos of their dead children. She said a complete airing of the facts is the only way to fully hold Purdue to account.

A settlement is “a huge disservice to the tens of thousands of families here in the United States who buried a child,” she said. “That’s blood money from our children.”

Members of the Sackler family are defendants in some of the lawsuits but were not actually parties to the Oklahoma case. The company said the family nevertheless voluntarily contributed to the settlement. “We have profound compassion for those who are affected by addiction,” the family said in a statement.

The Sacklers are major donors to cultural institutions, and the family name is emblazoned on the walls at many of the world’s great museums and universities. In the past few weeks, as the accusations have mounted, the Tate museums in London and the Guggenheim Museum in New York have cut ties with the family, and other institutions have come under pressure to turn down donations or remove the Sackler name.

A Massachusetts court filing made public earlier this year found that Sackler family members were paid at least $4 billion from 2007 until last year.

Purdue Pharma has settled other lawsuits over the years, and three executives pleaded guilty to criminal charges in 2007. But this is the first settlement to come out of the surge of litigation in the past few years that focuses largely on the company’s more recent conduct.

More than 1,400 federal lawsuits over the opioid crisis have been consolidated in front of a single judge in Cleveland who is pushing the drug makers and distributors to reach a nationwide settlement.

OKLAHOMA CITY (AP) — The maker of OxyContin and the company’s controlling family agreed Tuesday to pay a groundbreaking $270 million to Oklahoma to settle allegations they helped create the nation’s deadly opioid crisis with their aggressive marketing of the powerful painkiller. It is the first settlement to come out of the recent coast-to-coast wave…

via Maker of OxyContin agrees to $270M settlement in Oklahoma — WHNT.com

Duty to Protect / Correct Utilizing a Universal Standard of Principles (Part Two)

After determining which rights were violated (whether unintentional or outright fraud) utilizing a universal standard of principles and ULTRS (universal language for testimony and reports) to determine which duty was triggered, we can begin to rectify the situation.

This leads to two questions: 1. Where does this situation fall on the spectrum of fairness and, depending on where it falls, 2. What does that translate into in terms of specific procedures that must be followed?

Spectrum of Fairness

The court in Baker v. Canada (Minister of Immigration and Citizenship) listed four factors which help determine where on the spectrum of fairness a given decision lands. Note that the “legitimate expectations” of the person challenging the decision is a consideration, but it is considered before the factors listed below. The doctrine of “legitimate expectations” does not affect where the decision lands on the spectrum of fairness. Rather, it tells us some of the specific procedures that must be followed.

i. Nature of the decision being made and the process followed in making it: here, an assessment of how formal or informal the decision at hand is made. The more adjudicative the administrative decision maker’s nature and the process it follows (i.e. a formal decision), the more procedural safeguards necessary. The more operational or administrative (i.e. an informal decision), the less procedural safeguards necessary

ii. Nature of the statutory scheme and the terms of the statute pursuant to which the body operates: here, an assessment of the statutory scheme is made. If no further remedies or appeal are available under the statute, more procedural safeguards are necessary because the first level of the decision must be procedurally fair.

An assessment of the complexity of the decision being challenged is also made. If it is a relatively simple decision, it will fall at the lower end of the spectrum.

iii. Importance of the decision to the affected parties: here, an assessment of how important the outcome of the decision is to the parties affected. Where the decision is important to the affected parties, high procedural safeguards are necessary. For example, in Kane it was held that a high standard of procedural fairness is required when the right to continue in one’s profession/employment is at stake.

iv. Choices made by the decision-maker: here, an assessment of the power given to the administrative decision maker over its own procedures is made. If they have a lot of power, they are under a high procedural obligation and the decision is at the higher end of the spectrum.

Once these factors are considered, we end up with a point on the spectrum. The next question is: how does this translate into specific procedures?

Specific Procedures

The specific procedures required differs case by case. In Mavi, Justice Binnie stated that we ultimately need a fair process by considering what is relevant in the circumstances. There are general considerations that the court looks to when determining specific procedures:

  • The determination of specific procedures is a balance of fairness, efficiency and predictability of the outcome; and
  • The people affected by a decision have the opportunity to be heard and considered.

The doctrine of “legitimate expectations” can create specific procedures that must be followed where the administrative decision maker has made a certain representation or promise regarding specific procedures that will be followed.

An oral hearing is not necessarily required under the common law where a statute does not specify whether an oral hearing must be held. In Khan, the court held that, if an administrative decision maker is going to decide adversely against someone’s credibility and that person is affected by a decision of the administrative decision maker, an oral hearing must be held.

The enabling statute may state whether reasons for the decisions are required. An administrative decision maker who is subject to the SPPA must give reasons to the affected parties if they ask for them. At common law, Baker clarified that where a decision has important significance for an individual, where there is a statutory right of appeal or in other circumstances, some form of reasons should be required. In Newfoundland and Labrador Nurses’ Union, the court held that, at the procedural fairness stage, the only consideration is whether there is a duty to provide reasons. The adequacy of reasons is not a relevant consideration at this stage. In Baker, it was held that where some form of reasons are required, there is flexibility as to what those reasons generally look like. The courts are very flexible as to what counts as reasons.

Conclusion

At this stage of the analysis, there is a two step test. Determining what procedures are required after determining where on the spectrum a given decision lands is a contextual analysis.

My next blog entry will focus on procedural obligations arising under the constitution.

Anthony's Admin Law Blog

After determining that the duty is triggered, we must determine what that duty entails. That leads to two questions: where does this situation fall on the spectrum of fairness and, depending on where it falls, what does that translate into in terms of specific procedures that must be followed?

Spectrum of Fairness

The court in Baker v. Canada (Minister of Immigration and Citizenship) listed four factors which help determine where on the spectrum of fairness a given decision lands. Note that the “legitimate expectations” of the person challenging the decision is a consideration, but it is considered before the factors listed below. The doctrine of “legitimate expectations” does not affect where the decision lands on the spectrum of fairness. Rather, it tells us some of the specific procedures that must be followed.

i. Nature of the decision being made and the process followed in making it: here, an assessment of…

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Procedural Obligations: Duty to Protect via Title 17 Utilizing a Universal Standard of Principles (Part One) via Anthony’s Blog

In my last blog entry, I discussed procedural obligations arising from statute and soft law. What happens when those documents are silent or ambiguous? When a statute is silent or leaves gaps with respect to procedure, the common law steps in to fill those gaps. The other fundamental principle is that to override the rules […]

via Procedural Obligations: Common Law (Part One) — Anthony’s Admin Law Blog

Payless ShoeSource expected to close all of its U.S. locations as part of largest retail liquidation – MarketWatch

Payless experiment shows people will pay more for brand name
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WATCH | Payless experiment shows people will pay more for brand name

Payless ShoeSource is shuttering all of its 2,100 remaining stores in the U.S. and Puerto Rico, joining a list of iconic names like Toys R Us and Bon-Ton that have closed down in the last year.

The Topeka, Kansas-based chain said Friday it will hold liquidation sales starting Sunday and wind down its e-commerce operations. All of the stores will remain open until at least the end of March and the majority will remain open until May.

The debt-burdened chain filed for Chapter 11 bankruptcy protection in April 2017, closing hundreds of stores as part of its reorganization.

At the time, it had over 4,400 stores in more than 30 countries. It remerged from restructuring four months later with about 3,500 stores and eliminated more than $435 million in debt.

The company, founded in 1956, said that the liquidation doesn’t affect its company’s franchise operations or its Latin American stores, which remain open for business as usual. It lists 18,000 employees worldwide.

Shoppers are increasingly shifting their buying online or heading to discount stores like T.J. Maxx to grab deals on name-brand shoes. That shift has hurt traditional retailers, even low-price outlets like Payless. Heavy debt loads have also handcuffed retailers, leaving them less flexible to invest in their businesses.

But bankruptcies and store closures will continue through 2019 so there’s “no light at the end of the tunnel,” according to a report by Coresight Research.

Before this announcement, there have been 2,187 U.S. store closing announcements this year, with Gymboree and Ascena Retail, the parent of Lane Bryant and other brands, accounting for more than half the total, according to the research firm. This year’s total is up 23 percent from the 1,776 announcements a year ago. Year-to-date, retailers have announced 1,411 store openings, offsetting 65 percent of store closures, it said.

Google News

Payless ShoeSource expected to close all of its U.S. locations as part of largest retail liquidation

Payless ShoeSource will close all of its approximately 2,100 stores in the U.S. and Puerto Rico as part of the largest retail liquidation ever, the Wall Street …

View full coverage on Google News

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Top Ten Plagerized Songs in Violation of Copyright Infringement Laws if Permission was not Legally Obtained

Top Ten Plagerized Songs in Violation of Copyright Infringement Laws if Permission is / was not Legally Obtained

Good composers borrow; great composers steal. Some composers get caught. Welcome to WatchMojo.com, and today we’re counting down our picks for the top 10 rip-off songs. Special thanks to our users Juan David Orduz, Al Bebak and Jakob Silcox for submitting the idea on our Suggest Page at WatchMojo.com/suggest!http://www.youtube.com/watch?v=8AT_Pbtyid0

If you want to suggest an idea for a WatchMojo video, check out our interactive Suggestion Tool at http://www.WatchMojo.com/suggest 🙂 Check us out at Twitter.com/WatchMojo and Facebook.com/WatchMojo We have T-Shirts! Be sure to check out http://www.WatchMojo.com/store

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Jury Verdict: Lowell MA must pay $1.5 M, plus interest, to owners of condos built on top of former garbage dump via Independent American Communities

By Deborah Goonan, Independent American Communities Today’s post is an update to a story IAC has been following since 2016. In 2009, during installation of a drainage system, the Grand Manor Condominium Association discovered contaminated soil surrounding their housing complex. That prompted three years of investigation. The City of Lowell delayed responding at first, then […]

via Jury: Lowell MA must pay $1.5 M, plus interest, to owners of condos built on top of former garbage dump — Independent American Communities

Blog: PRODUCT RECALLS : Consumer Reports ★ ★ ★ ★

Argos Ireland issue urgent recall on pillows and bedding products as they don’t meet fire safety standards via The Irish Sun

ARGOS Ireland has issued an urgent recall on 12 different bedding products because they don’t meet fire and safety standards. The popular retailer say 1,635 of the affected products were sold here.   The Downland Bedding Company items which have been recalled are: Downland Duck Feather & Down Pillow Pair – Cat No 5325395 €36.00 […]

3 Steps Consumers and Businesses can take to Decrease IT vulnerabilities via Infosec News Ireland

Two new vulnerabilities have been unocovered within connected devices that allow hackers access to the personal lives of consumers, according to McAfee researchers. A vulnerability within BoxLock smart padlock enables hackers to unlock the device within a few seconds, and a vulnerability within the Mr. Coffee brand coffee maker with Wemo grants hackers access to home networks. […]

VW Says Diesel Scandal Cleanup Will Cost 2 Billion Euros in 2019 via BCNN1 WP

FRANKFURT (Reuters) – Volkswagen’s (VOWG_p.DE) cleanup of a diesel cheating scandal will cost it 5.5 billion euros ($6.25 bln) in 2018 and around 2 billion euros in 2019, Chief Financial Officer Frank Witter told German weekly Boersen-Zeitung. Since 2015, the German car making group has paid more than 27 billion euros to settle investor and […] […]

Medicines with valsartan: the list of medicines recalled – RTL.fr — Archy Worldys

New drug recalls based on valsartan were announced Thursday, November 29 by the Agency for the drug because of the presence of a second substance classified as probable carcinogen.One pharmaceutical companies are concerned by these recalls. Outages are expected, already warned the ANSM. With the ordered recall in July and this one, three-quarters of these… via […]

Best tech gifts to give this year — FOX59

Watch Video Whether you’re shopping for a work pal or soulmate, it can be hard to find a present that’s unique and not obvious. Smart speakers were the hit gift of 2017, so it’s not surprising there are a ton of spin-offs this year. Smart displays like the Echo Show and Google Home Hub are […]