why haven't people in debt been told these facts

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Page 1: Why Haven't People in Debt Been Told These Facts

Thanks to volunteer ham radio operators,, GIs overseas and anxious familiesat home are inexpensively Jinked with the crackling call;

"Hello, This Is Vietnam Calling!"

4T 2 O'CLOCK on & r«cent-TJL Saturday afternoon—6a.m. Sunday, Vietnam time—a retired civil engineer namedGeorge Criteser switched ona shortwave radio transmit-ter in a shack behind his homein Carson City, Nev., adjustedthe headset over his sparsewhite hair, and began twid-dling dials.

"Alpha Charlie, this is Zulu Tan-go," he repeated several times as thestatic crackled And then subsided."Hey! Aren't any of you fellowsawake over there?"

Moment* later, n Gl operator nearDa N fin JT, 12,000 mi tea a way, an-swered loud, and clear—and soldiersand Marine^ who'd been standingin line in the*rain stepped forwardone by one to talk into the micro*phone, with Criteser relaying theirvoices and season's greeting to lovedones via A long-distance telephone op*erator in Keno. By the time he signedoff eight hours ln^*r, he had helpedhis 11,000th aerviceman in Vietnamhold a precious five-minute reunionwith home.

Crtt«*<»r, u GG-ycar-old Carson Citycouncilman and retired highway en-glneer, is one of more than a scoreof civilian shortwave hama acrossthe country who are working aroundthe clock with the Military AffiliateRadio Service (MARS). So far theyhave enabled more than 430.000 ofour fighting men in Southeast Asiato call home from overseas—a touchof humanity unparalleled in Chu hia-tory of soldiering.

MARS maintains ISmllitary broad-casting stations for homtakk Ofs InVietnam, Thailand, and Taiwan. Allmen overseas are entitled to U<JQthem. The transpacific segment ofthe call—which would ordinarilycome to a discouraging $25 (nnd beimpossible because the Army wouldn'tallow It)—is free. Stateside ham op-erators use ft special "phone patch"to feed the message directly into

tolopiione lines as collect calk chargesbased on the distance fcotweon therecipient and the ham station. This

U Family Wttkly, Otetmbtr »3,1099

SPAPFRf

By LESLIE LIEBER

usually cornea to around ID—for whatamounts to a 12,000-mile-or-morephone call I

The MARS operation is completelyvoluntary, and people like GeorgeCrlteser receive no payment, even

"for their expenses. Paul Wilson, a tvengineer, for example, spent $6,000of his own money installing a specialradio tower alongside his rig in Mem-phis, Ten n.

"When 1 began phone-patchingGIs In 1967," Critesor said, "1 hadno Lower and could pick up messagesonly at certain times u day. But ourlocal chapter of the Nevada Societyof Professional Engineers discov-ered that Uncle Sum was dismantlinga Mercury test alte on a nearbymountain that had a 65-foot radiotower. It weighed 60 tons. The Gov-ernment earmarked it for us, andwe carried it down the mountain.

"Thirty of my friends from thesociety curried the tower down themountainside piece by piece on theirbacks. We put It back together atmy house, thanks to a crane loanedto us by a construction companydown the block."

"George spends ten hours a day,seven days a week monitoring thesecnlla," saya George's wife Lee ("YL"or "young lady" in ham argot).

"We seldom go anywhere, and Ieat many meals alone. But I'm veryproud of my husband." She has rea-son to be. Letters from battlefieldcolonels and generals, nnd a framedcitation from thu 5th Special Forcesnaming him an honorary Green Beret

line the walla of his shack.MARS stateside operators have

been privy to just about every typeof conversation imaginable, They'veheard long-diiitance marriage pro-posals, a pep-talk from a woundedMarine in a field hospital to his wifewho was about to undergo an emer-gency appendectomy in a Milwaukeeoperating room, and several heart-breaking "Dear John"v calls,

San. Barry Goldwater—whosemodern station AFA7UGA in Phoe-nix is manned 24 hours a day byvolunteers nnd has handled more than15,000 calls from the jungles of Viet-nam, ships, nnd planes at sea—hashad many experiences which illus-trate qui te clearly both the devotionand often the frustrations of a MARSvolunteer.

"I've already presided over two'Dear John' phone patches and, God,they were awful," says Senator Gold-water. "It made me want to breakin and say something—ask them towait and work things out when theguy returns—but I just sat thereand threw switches.

"Aside from calls like that, I lovedoing this," he says. "But I get aspecial charge out of the fact thatthe Reds have now started to jamour phone patches. Severn! timeswe've picked up Radio Havana call-Ing Moscow on our channels, tryingto interfere. And sometimes we getnil sorts of scrambling, man-madenoises. So you can bet we're havingsome kind of effect on the Commu-nists—a mighty nice fringe benefit.

"We never identify ourselves,-butsometimes people do find out, and itdoesn't necessarily boost our ego. Notlong ago I overheard the militaryoperator in Vietnam talking to a sol-dier placing a call home.

" 'Do you know vyho we've got onthe other end of this line? BarryGoldwater, that's who!'

" 'Bnrry Goldwater? Who's he?' re-plied the soldier." '

Stateside phone patchers considerthemselves amply rewarded for theirwork by the thousands of thank-youletters they receive.

Some are radiantly happy, like thenote Criteser received from Mrs.Nancy Michaels of Pittsburgh, whosehusband's call was put through toa hospital delivery room momentsafter she had given birth to theirfirst child:

"I wont to thank you from thebottom of my heart. Al was able tolearn, two minutes after the event,that everything was fine, nnd he wasthe father of a son."

And then there are some post-scripts, like the one from Mrs. R.Edward Bova, Wayne, Mich., thatare sad nnd deeply touching:

"On Sept. 29, 1967, you relayeda call from our son Edward fromVietnam. I wrote to thank you andyou graciously answered us, As youcan see from,the enclosed clippingour son is dead. We are so gratefulto you, Mr. Criteser, for having givenus that precious lust chnnce to hearour son's voice. Please keep up themarvelous work," +

Gl'n call is relayed by hum radio operator George Criteser.

Gf in the boondocks of Vietnam talks to parents in U.S.

Today any family can get into debt and suddenlybe at a creditor's mercy. A collection lawyer knows hisexact legal rights-and yours. But you don't:

SIDNEY SHERWINCounsellor at Law, New York

Why Haven't People In DebtBeen Told These Facts?

If you're in debt and wanf to get out, there are 71 ingenious

(but perfectly legal) ways to do it. A top debt authority tells

how — and how to reduce loan payments, get more credit (even

if you're in bad shape) — freeze indebtedness indefinitely.

AND MUCH MORE:

that prelect you from creditors most. Even howto protect a prospective inheritance from creditors.

Where you live, how old you are and otherconditions may actually determine whether a cred-itor ui many situations can collect one cent fromyou.

Even the fact that your creditor has received amoney judgment against you does not necessarilymean that he will receive any money from you.

Did you know that some debit need not be paid- but that you must know what to do about themand when:

But if you're in debt and don't know exactlywhat to do you can get into tragic trouble fast;

THIS COULD*HAPPENTO YOU:

' Unknowingly nnd innocently through no in-tended fault of your own you find yourself in debt.You simply temporarily cannot pay up. Yet sud-denly the whole world seems on your creditor's sideagainst you,

For years a distinguished debt authority, SidneySherwin, has been investigating just such situations.He reports that many gas and electric companiesoften reveal your Bank when given as a reference.

He slates that the Motor Vehicle Bureau in manystales cooperate with creditors acting against you.He tells how creditors find out the name of yourautomobile finance company, and then find stillother of your assets. He tells how some private de-Icctivcn specializing in repossessing vehicles workclosely with a Marshall to seize your car.

Suddenly your salary is gamlsheed, your bankaccount is seized. How can you work — or cvi n goon?

INSTANT POWERFUL HELP- IF YOU KNOW ABOUT IT

In a great many cases your situation wilt instantlyand suddenly change for the better when you simplyknow your rights.

Sidney Sherwin marshalls in your behalf all thekey facts about your rights learned in a lifetime ofdebt taw study,

Do you know when a crediloi can automaticallyget a judgment ngainst you? In his brand new book"How To Get Out of Debt Painlessly" SidneySherwin shows how you can easily stop this cold,

Do you know when a seller despite proved dis-honest clatim can still legally collect? Sidney Sher-win shows how you can possibly collect from theteller-three tttnet the product's cost.

Do you know when a Sheriff can arrett you ityou re in debt - and forcibly bring you into court.Sidney Sherwin shows you how to prevent thisever.

Sidney Sherwin lolls you exactly your legal rightsif you are ever In debt.

HOW TO GET THE GOVERNMENTON YOUR SIDE;

Do you realize thai courts will generally bendover backward! to keep the judpcni debtor fromthe clutches of the grasping creditor? Sidney Sher-win tells you how to take Advantage of this.

Sidney Sherwin tells you how the U.S. Govern-ment protects average debtors 7 ways from cred-itors. He tells how the government agencies helpprotect fron; creditors, debtors, whose principal in-come is derived from wages — and lolls them howto avoid any necessity to go bankrupt. He describesa simple way to gel the U.S. Government to keepcreditors from getting your lax refunds. He tells

how the U.S. Government can stop creditors fromtaking legal action against you, get your employerto cooperate and help you pay them off a little at» time to each.

Sidney Sherwin tells how you can take advantageof the protection the U.S. Government i)ow guaran-tees purchasers on the installment plan. Also howyou may be able to avoid paying one cent of evenstate. He expla inswhich situations theUS. Government willsoon allow you to suea creditor for twicethe amount ot financecharge plus court costs.

He reports the 9 gov-ernment branches thatcan answer whetherthe installment sellertold you the truthabout the payments. Hereveals how your bankor library can help youavoid over-paying in-terest and when government agencies allow youto cancel a time payment contract.

PROTECTION YOURSTO ACCEPT!

Sidney Sherwin tells you what a creditor mustprove before any court will allow any legal actionagainst you. He specifics what of your property islegally exempt or "untouchable" by a creditor de-pending on the slate in which you live protectedfor you by definite laws and statutes of.

He tells you when a Marshall or Sheriff mustgive up and cannot collect a judgment — makingyou "judgment proof." He tells what many dolegally - even after being served by Attorney, Mar-shall or Sheriff with legal paper nftcr paper - toleave the creditor with an empty judgment.

He tells when it is impossible for any creditor topu! any debtor in jail. He states the remedies againsta creditor who is malicious, slanderous or threatensyou with legal action.

He tetts when an Agreement for you to pay forsomething may be unenforceable in your state andwhen in certain states it can be an actual crime bythe seller. He describes when it can be shown that acreditor look advantage of a debtor and be legallystopped from collecting a single penny in any state.He gives three kinds of situations in which a cred-itor with a perfectly legal claim can never takelegal steps against you. He tells when your promiseto pay money to someone else is not sufficient rea-son for you to be legally" responsible to pay thatdebt.

Sidney Shcrwin ProtectsInnocent People— And Is

Death on Deptbeats:Sidney Sbrrwin is a distinguished lawyer and

top authority on debt collection.Lawyers M«k hit counsel oa behalf ot cutnts

who cannot In any o«ber w»y collect honut ob-IliaUont. Countless Umei be has sternly col-lected from hardened «nd "hopeless" writtenoff otbt cvaden and skipper*.

For yews Sidney Sherwfa's private bobbyluu been protecting innocent people in debtthrough neither latent nor fault. Nothiiuarouses Sidney Sherwin'. Indignation more thanthe occasional tutKnipulow creditor. Such acreditor knows what the debtor don not know•bout the law. He can Muff or threaten withoutcontradiction. And all too critically often becan take advanlaa* of the weak, the uneducatedand the dlsadyjnuned person in debt.

But Sidney Sherwin knowi toe Uw on debt,the full rights of debtors u well u creditors

* •And Sidney Sherwbi has ufcen the fmiu of alifetime oC Mudy of your lights ai a debtor andmade it available to anyone la need of it. Con-tult your lawyer A* advises. But know yourrifhti and don't be taken advantage of by any-one. It'j all yourj without a. penny's rttk isMated below.

A TREASURE MOUSEOF HELP

Here's (he protection you ire entitled to'»|«Jnsidefault judgment any Uw «uit or leut prckttdiugagainst you, or any forcckmirc of chattels andmortgages against you or against eviction . . . ifyou're in the Armed Forces, Coast Guard or public •health service - or even in the family of someone | Name,m one of these categories — or even if you endorsedor guaranteed Any note of anyone in these cate-gories. Here's how and when creditor! are actuallypunishable who try to take advantage illegally ofanyone in these crtegories.

Here are the kinds of debts that cannot be legally

collected in almost any state. Here's when legallycollectible debts can no longer be legally collectedin different states.

Sidney Sherwin reports to you the extra pro-tection you legally can get against creditors (if youlive in the country). He reports extra protectionyou get if you're divorced. He tells how to takeadvantage of these protections.

Here's how to make a settlement for part pay-ment of your debts with full release of the balanceand do so out of court, without court costs andfees. Here's actual wording of suggested letters tocreditors concerning it.

Here'* how to put property beyond the reach'of any individual creditor and protect the interestof all. Here are the stales in which a debtor canprefer one creditor over another or even deprive acreditor that displeases him from a share of theassets.

Sidney Sherwin tells when you can sue a creditorfor libel or slander or assault — for violations ofpostal regulations, for extortion, ~ven in some areastor evasion of your rights of pryacy. He tells whatyou can now legally do against creditors who havegiven credit information about you to various creditbUK,c.us. He tells what a creditor might do whichif you act properly might result in his being firedor even imprisoned.

Sidney Sherwin gives you your rights againstcreditors if you are under 21 how to take advantageof them. He tells when simply moving to another

• stale can make you safe from the clutches of yourattacking creditors.

ITS ALL HEREW,hat you can do personally and when to con-

sult an attorney. When to rely on a salesman. Whatto make him do when he promises anything. Whatto do if you don't understand any word or wordsin the contract.

Here's what to do if you become ill or an acci-dent keeps you from paying your debts. Here's ex-actly what to do when you receive a summons. Andwhat 99% of debtors do to avoid giving away factsa creditor seeks to find out.

You're told the kind of creditor that probablywill never sue nnd what to avoid that could causehim to. And when your wife is completely pro-tected from seizure of your insurance- benefits andwhen not. Or when verbal contracts are enforceableand when not. And many things you should knowabout bankruptcy and the best statutes in certainstates a corporate debtor can act under with nostigma of an assignment, no court controls or delaycausing court orders.

Here's what to do when if a bank or finance com-pany notirki, you they are collecting for the seller.Here's the kind of insurance policy and benefitsthat creditors cannot touch. The kind of U.S. Gov-ernment payments creditors cannot touch. Thekind of investment income creditors cannot get at.The kind of retirement benefits creditors cannot at- <lack, Here's when gamishee of your wages is notpermitted - if you know your rights. And the states

, . MAIL NO-RISK COUPON TODAY- ;| National Counseling Service, Dept. J5», 45M N.W. 135* St, Mfcad, Fh. 3*34

I X*̂ ' Pte,*se """H. at "° rtsk lo «"> y°°' book "HOW TO GET OUT OF DEBT PAINLESSLY"ZT.tog^om, perfectly legal way, to avoid and itay out of debt - Immediate relief from^reditoii- by

I ?ifi-!yi ifl> I*"0?*"* ,lmo,*S ,le«»1 «P"t speciiUan« in Debt If book doe* not live up to eroyI claim I may simply return for full immediate refund - and trial will cost me nothing. *

WHAT DOES ALL THIS MEANTIt means you're going to le*m bow to protect

yourself from unscrupulous creditors.II means blessed instant relief from worries and

headaches that otherwise can drive you wild, keenyou from working and wreck your family life.

It means you might easily avoid completely thedebtor mistakes you'd otherwise make. It meansyou're going to relax and feel new life and a newchance.

There's never been anything like it If you're indebt and want to get out this book was written foryou. ,

AMAZING OFFER LIMITED SUPPLYBut let Sidney Sherwin show you for yourself in

your own home at our risk. Unless the bookdoes all you have been kd to expect simply returnit for no cost at all. Could anything be fairer?

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I 0 «'W lament enclosed, ship postpaid. I wvc postal chwtes.

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p If you Whh talc ittt C.O.D. CHECK HERB. Ewlo* Jl *W «lu <Wk Pay ix»im»plus posttg* and handling chaiie. Same money-buck aunranlee, of course. PUWHIBI

Address.

CJty_ _State_ _Zlp- I

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