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News & Press
Read about recent events, essential information and the latest community news.
April 6, 2020
Urgent Call to Action: CLLA Needs Your Voice!
Dear CLLA Member,
I hope this missive reaches you in health and safety in these unprecedented times. We, like all other Americans, are facing this time of crisis with solidarity, resolve, and an effort of togetherness.
While we wholeheartedly agree and support recent legislative consumer relief actions, there is legislation, such as Senate Bill S.3565, which provides for a blanket prohibition of debt collections, fraught with unintended consequences. For a breakdown of the reasoning, please visit this link to CLLA's letter to the White House.
Here's how you can help!
- You can download either of these form letters: one for CLLA members and their employees (link to CLLA Member and Employee Letter), and another for credit grantors and small business owners (Business Owner and Employee Letter).
- Place your letterhead on top, and then send it to your local congress people.
- You can use this easy link: https://www.govtrack.us/congress/members
- Share this post or email this to anyone you know that you think would be willing to help!
Be smart out there, and I hope to see you soon.
Timothy Wan
CLLA President
April 3, 2020
Response to Senate Bill S.3565 by Timothy Wan, CLLA President
I am the current President of the Commercial Law League of America ("CLLA") and write to voice the CLLA's objection to Senate Bill S.3566. The CLLA, founded in 1895, is the nation's oldest organization of attorneys and other experts in credit and finance actively engaged in the field of commercial law, bankruptcy, and reorganization. Its membership consists of over 650 members who employ over 10,000 citizens. The CLLA is made up of lawyers, from both small and large firms, judges from virtually every state in the United States, and credit professionals, including members who own or work for collection agencies. CLLA members represent individuals, small businesses, and large corporations, all of whom are involved in the commercial credit industry. Although the CLLA has long been associated with the representation of creditor interests, it is known for seeking fair, equitable, and efficient administration of state law collection and bankruptcy cases for all parties-in-interest.
We, like all other Americans, are facing this time of crisis with solidarity, resolve, and an effort of togetherness.
While we wholeheartedly agree and support recent consumer relief actions, Senate Bill S.3565 will actually damage small businesses by cutting off their ability to require customers to pay for their goods and services, and does not accomplish the goals for which it was created. It is important that we avoid unintended consequences. READ MORE
March 30, 2020
Federal Government Resources for CLLA Members
If your state has received the necessary disaster designation, SBA's Economic Injury Disaster Loan Program can provide low interest loans in this difficult time. A streamlined application process is now available at https://covid19relief.sba.gov/#
Information on administration and processing for the expanded SBA 7(a) loan program which is part of the CARES Act, which passed on Friday, March 27, 2020, is not yet available. Those loans are to be processed by approved SBA lenders. Your current bank or lender is the best current source for this information, as it becomes available. CLLA Board of Governors member Ted Hamilton, Esq. has published a summary of the CARES Act which may be of assistance in digesting the voluminous law.
Linked below, state specific programs may be available, including state disaster assistance available in:
March 28, 2020
Massachusetts Bans Consumer Debt Collection for 90 Days
On March 27, 2020, the Attorney General of Massachusetts announced an enacted emergency regulation making consumer debt collection unfair and deceptive under the State's Consumer Protection Act. The regulation is effective until the earlier of ninety (90) days or the end of the state of emergency declared by the Governor of Massachusetts. The State's existing debt collection regulations and other applicable laws remain in effect.
March 27, 2020
Senate Passes Coronavirus Stimulus Bill: New Bankruptcy Amendments
Rolling Meadows, IL – March 27, 2020 – Early on the morning of March 27th, the Senate passed the CARES Act. The bill goes to the House of Representatives where it is expected to pass by unanimous consent. The President is expected to sign the bill.
The bill has some key provisions dealing with bankruptcy, which include the following:
First, the newly enacted Small Business Reorganization Act of 2019 (Chapter 13 for small business) will see an increase in the eligibility threshold from $2,725,625 to $7,500,000.
Second, the definition of 'income" in the Bankruptcy Code for Chapter 7 and 13 will exclude coronavirus-related payments from the federal government from being treated as "income" for purposes of filing bankruptcy. This provision affects the means test calculation.
Third, "disposable Income" for purposes of confirming a Chapter 13 plan shall not include coronavirus related payments.
Fourth, Chapter 13 debtors may seek plan payment modifications, if they are experiencing a material financial hardship due to the coronavirus pandemic, including extending their payments for up to seven years after their initial plan payment was due.
These provisions will sunset in one year.
Finally, there would be a six month repayment holiday with respect to student loans.
There are also discussions on Capitol Hill that the next phase of COVID19 relief may including expanding the dollar limits for Chapter 13 eligibility. The League is also watching to see if dischargeability of Student loans, an increase in Trustee Commissions and the elimination of credit counseling may work its way into future legislation.
March 27, 2020
CLLA Legal Update: Coronavirus Response Act
Rolling Meadows, IL – March 27, 2020 – Effect of Families First Coronavirus Response Act (FFCRA)H.R. 6201. The United States Congress and the President passed the second coronavirus response act in mid-March of 2020. It passed as House Resolution 6201. (Herein "The Act") The Act became law on March 18, 2020 amid the Coronavirus outbreak in the U.S. This Act poses dramatic changes to small businesses and sole proprietorships throughout the Country including law firms and collection agencies. It goes into effect on April 3, 2020. Almost all Small Businesses in the U.S. will feel the effects of this law over the next few months.
This Article will provide a brief overview of the Act. It is not intended to be relied upon for a complete analysis of specific applications of the Act in all circumstances. Part of this Act included the Emergency Family and Medical Leave Expansion Act. This EFMLEA Act extends family and medical leave during the a Public Health Emergency to all employers who employ under 500 employees. The current threshold for family and medical leave is any business over 50 employees. As a result, all small businesses and sole proprietorships must now give Family and Medical Leave of up to 12 weeks for Coronavirus related causes. These causes include the following:
- Subject to a Federal, State, or local quarantine or isolation order related to COVID-19;
- Advised by a health care provider to self-quarantine related to COVID-19;
- Is experiencing COVID-19 symptoms and is seeking a medical diagnosis;
- Is caring for an individual subject to a quarantine order or in self-quarantine;
- Is caring for a child whose school or place of care is closed for reasons related to COVID-19;
- Or is experiencing any other substantially-similar condition specified by the Secretary of HHS.
Duration of Leave:
For reasons (1)-(4) and (6) a Full-time employee is eligible for up to 80 hours of leave, and a part-time employee is eligible the number of hours of leave that the employee works on average over a two-week period.
For reason (5): A Full-time employee is eligible for up to 12 weeks of leave at 40 hours a week, and a part-time employee is eligible for leave for the number of hours that the employee is normally scheduled to work over that period.
For Leave reasons (1),(2), or (3): employees taking leave shall be paid at either their regular rate or the applicable minimum wage, whichever is higher, up to $511 per day and $5,110 in the aggregate (over a 2-week period).
For leave reason (4) or (6); employees taking leave shall be paid at 2/3 their regular rate or 2/3 the applicable minimum wage, whichever is higher, up to $200 per day and $2,000 in the aggregate (over a 2-week period).
For leave reason (5); employees taking leave shall be paid at 2/3 their regular pay or 2/3 the applicable minimum wage, whichever is higher, up to $200 per day and $12,000 in the aggregate (over a 12-week period- two weeks of paid sick leave followed by up to 10 weeks of paid expanded family and medical leave). The first 10 days of leave are unpaid. After 10 days the Employer "shall provide paid leave for each day of leave taken after the 10 day unpaid period. The employee may then take 12 weeks of paid leave at 2/3 of the regular rate of pay not to exceed 200 per day or 10k in the aggregate.
The Employer receives a Tax credit against payroll taxes for each calendar quarter up to an amount equal to 100 percent of the qualified sick leave wages paid by such employer with respect to such calendar quarter. Should the payroll tax amount paid the employer on a quarterly basis not be sufficient to cover the amount paid under the act, the Employer treats the amounts paid as not covered by payroll taxes as a credit against estimated income taxes on taxes. Of course, this does not deal with the fact that there may be extensive losses due to the Virus outbreak. This entire provision sunsets on December 31, 2020.
Thursday, March 12, 2020
On March 11th, H.J. Res. 76 passed the Senate by a Yea-Nay vote of 53-42. H.J. Res. 76 would overturn the 2019 Department of Education student loan forgiveness rule which makes the process more burdensome and limits potential relief, versus the 2016 rule which it replaced. The 2019 rule is currently scheduled to take effect July 1st.
H.J. Res. 76 was initially introduced to the House on September 26th, and passed with a 231-180 Yea-Nay vote on January 16th. As of yesterday it had 162 co-sponsors, all of whom are Democrats. The companion measure of S.J. Res. 56 was also voted on yesterday in the Senate and was indefinitely postponed by unanimous consent. The next step is for H.J. Res. 76 to be cleared and sent to the White House.
Wednesday, February 26, 2020
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Tuesday, January 14 , 2020
Supported by 148 Democrats as of January 13th, H.J. Res. 76 would overturn the Education Department's 2019 student loan forgiveness rule. This rule established policies for the borrower defense program, and is scheduled to take effect July 1. Democrats have said the rule, which replaces a 2016 Obama administration rule, places the burden on borrowers and limits potential relief. It also provided $11.1 billion less in aid in compared to its predecessor. Overturning the 2019 rule will alleviate those burdens by returning to:
- allowing the department to forgive student loans for students at schools that close, if they don't enroll in another program within three years;
- allowing automatic discharges for groups and not forcing them to apply individually (as the 2019 rule requires);
- allowing for a longer than three-year statute of limitation on claims;
- and barring schools from requiring student to sign predispute arbitration agreements.
H.J. Res. 76 was introduced on September 26, 2019, and was referred to the House Education and Labor Committee. The House may consider it as soon as January 15th. A simple majority would be required for passage. The White House has made a statement that they oppose the measure, and the president's advisors recommend he veto H.J. Res. 76.
Tuesday, January 14 , 2020
Sen. Warren's plan to ease student loan debt would be through administrative authority, and not revolve around Congressional approval. This move to cancel or modify a scope of around $640 billion of student debt would be acted out through the Department of Education. Funded by the Warren Administration's proposed wealth tax (on household of $50 million or more), this amount would be a fraction of what the campaign estimates would generate $2.75 trillion.
This is currently legal and possible through the Higher Education Act which details that the Department of Education has the discretion "to modify, compromise, waive or release student loans". She would authorize the Department to provide as much as $50,000 in relief for 95% of student loan borrowers.
Warren also intends to address racial disparities in the education system, increase outreach and relief for borrows, assist in improving the student loan debtors credit history, crack down on predatory lending and end federal aid to for-profit colleges.
This proposal has the potential to eliminate private student loan debt for approximately 42 million Americans. The Warren campaign noted that the American government has tackled much more difficult tasks in the name of big business bailouts, tax giveaways and other such concessions.
Wednesday, January 8 , 2020
Sen. Elizabeth Warren released a plan yesterday to restore bankruptcy protections, in direct opposition to a 2005 law that fellow presidential candidate Joe Biden successfully promoted as a Delaware Senator.
Warren, as a bankruptcy lawyer, opposed and campaigned against the 2005 law from the start, as she believed that it damaged accessibility with increased costs and eligibility requirements only benefit creditors at the cost of working families. Her presidential plan would be to replace the two current main types of bankruptcy with a single system that would be more available to all debtors. Instead of Chapter 7, where individuals have to surrender their property, or Chapter 13, in which multiyear payments are entered into, Warren's plan would offer a "menu of options" and would be a case-by-case basis whose options include payment plans or surrendering property. This is a big change from the current system.
Her plan actively works to remove some of the hurdles from bankruptcy, such as the following example from Warren: "the same onerous paperwork requirements on a middle-class American filing bankruptcy that it did on a wealthy real-estate developer". In her plan, student loan debt would be dischargeable (as well as homes and cars), same as other consumer debts. Additionally, it would allow debtors to modify their mortgages (mostly prohibited) and reverse the provision in the 2005 law requiring credit counseling and fees for anyone below the poverty line.
Warren has also vowed to increase accountability for creditors and crack down on bankruptcy practices that the wealthy and big corporations use to shield their assets, stop companies from collecting debts that are no longer valid, and allow people to sue creditors who try to collect debts that have already been discharged.
In summation, the two candidates' opposing positions on bankruptcy are clear, and Warren's plan recalls this historical opposition.
Wednesday, September 24 , 2019
Friday, September 20 , 2019
Wednesday, September 18 , 2019
The U.S. Supreme Court is being urged by the Trump administration to grant more presidential control over the Consumer Financial Protection Bureau (CFPB).
The U.S. Supreme Court is being urged by the Trump administration to grant more presidential control over the Consumer Financial Protection Bureau (CFPB). The CFPB was set up in the wake of the 2008 financial crisis to regulate credit cards, mortgages, loans and a variety of other consumer finance products. During the setup of CFPB in 2010, the law denoted that the director could only be removed for "inefficiency, neglect of duty or malfeasance in office". The administration lawyers are arguing that the Constitution requires the president be able to fire the agency's director for any reason.
This filing was prompted by an appeal from Seila Law, a California firm, that the CFPB's structure is unconstitutional, which appears to be an attempted derailment of the CFPB investigation into their sales pitches to indebted consumers. U.S. Solicitor General Noel Francisco agreed that the CFPB's structure is set up in violation of the constitutional separation of powers. Multiple lower court judges have come to similar conclusions in recent years.
Kathy Kraninger (the current CFPB director) is a Trump administration appointee who was confirmed at the end of 2018. Kraninger noted "My determination that the for-cause removal provision is unconstitutional does not affect my commitment to fulfilling the Bureau's statutory responsibilities". She also stated, during her nomination process, "the ultimate question of constitutionality of the Bureau's structure is one for Congress or the courts to resolve."
(Click this link to view full Seila petition: https://www.supremecourt.gov/DocketPDF/19/19-7/116040/20190917144324154_19-7%20Seila%20Law.pdf )
Wednesday, September 4, 2019
On September 4th, the United Mine Workers of America President Cecil Roberts denounced Congress' neglect of bankruptcy laws that favor CEOs over workers. He criticized the lawmakers for failing to protect the workers at bankrupted mining companies. This was following the national attention that the Kentucky miners have received recently for blocking train tracks that transport coal from their bankrupt employer, Blackjewel LLC.
Mr. Roberts noted that "CEO[s] gets millions of dollars for filing bankruptcy. The CFO gets millions of dollars for filing bankruptcy. And then you go down the line…..They call those retention bonuses." While workers "lose their health care upon retirement. Their benefits shrink if they're still working. And sometimes the bankruptcy judge says you don't even get to keep your job." He laid this at the feet of Congress stating: "Congress has known about this forever and has done nothing about it."
Thursday, August 29, 2019
Friday, August 9, 2019
House Bill 4181
On August 9, 2019, House Bill 4181 was introduced in the House by Morgan Griffith (R-VA-09) to amend the Internal Revenue Code of 1986. The bill would allow distributions from qualified cash or deferred arrangements, such as 401ks, in the event that the employer files for chapter 11 bankruptcy and the employee is not regularly scheduled for work or paid.
After introduction, H.R. 4181 was referred to the House Committee on Ways and Means. At this time, full text is unavailable.
Thursday, August 1, 2019
Bankruptcy Bill Updates
On August 1, 2019, bankruptcy bills for farmers, businesses, and veterans passed in the Senate.
Wednesday, July 31, 2019
Senate Bill 2405
On July 31, 2019, Senator Bob Mendez (D-NJ) – along with co-sponsors Cory Booker, Elizabeth Warren, Sherrod Brown, and Kirsten Gillibrand – introduced the Christopher Bryski Student Loan Protection Act (S. 2405). The bill, as introduced, establishes additional protections and disclosures for students and cosigners with respect to student loans, and for other purposes. This increases transparency regarding the obligations of co-signers. Specifically, the bill protects students and their families during a time of loss. Under the bill, when the required criteria are met an automatic co-signer release is provided.
Following its introduction, S. 2405 was referred to Committee on Health, Education, Labor, and Pensions. Link to Senate Bill 2405
Tuesday, July 23, 2019
House Bill 3887/Senate Bill 2235
On July 23, 2019, The Student Loan Debt Relief Act of 2019 (H.R. 3887/S. 2235) was introduced. As introduced, the bill – sponsored by Representatives Jim Clyburn (D-SC-06) and Senator Elizabeth Warren (D-MA) – discharges the qualified loan amounts of each individual, and for other purposes. Under the bill, borrowers, with household incomes under $100,000, are eligible to discharge up to $50,000 of student loan debt. For borrowers earning between $100,000 and $250,000 debt would be discharged by $1 for every $3 earned over $100,000. Borrowers earning over $250,000 would not be eligible to discharge their student loans. This bill has the potential to aid 45 million students.
After introduction, H.R. 3887 was referred to the Committee on Education and Labor, and in addition to the Committees on Ways and Means, and the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. In the Senate, it was referred to the Committee on Finance. Link to House Bill 3887
Tuesday, July 23, 2019
H.R. 3311 – Small Business Reorganization Act of 2019
On July 24, H.R. 3311 was received in the Senate.
Bill Passed (Agreed by voice vote). On July 23, Mr. David Cicilline (Chair) moved to suspend the rules and pass the bill, as amended. H.R. 3311 — "To amend chapter 11 of title 11, United States Code, to address reorganization of small businesses, and for other purposes."
H.R. 2938 – Honoring American Veterans in Extreme Need (HAVEN) Act of 2019
On July 24, H.R. 2938 was received in the Senate.
Bill Passed (Agreed by voice vote). On July 23, Mr. Cicilline moved to suspend the rules and pass the bill, as amended. H.R. 2938 — "To exempt from the calculation of monthly income certain benefits paid by the Department of Veterans Affairs and the Department of Defense."
H.R. 3304 – National Guard and Reservists Debt Relief Extension Act of 2019
On July 24, H.R. 3304 was received in the Senate.
Bill Passed [Agreed to by the yeas and nays (2/3 required)]. On July 23, Mr. Cicilline moved to suspend the rules and pass the bill, as amended.
Please follow the link for House Floor Activities Legislative Day of July 23, 2019: http://clerk.house.gov/floorsummary/floor.aspx?day=20190723
Monday, July 22, 2019
Resolution Authorizing Issuance of Subpoenas, Small Businesses, Veteran Benefits, HAVEN Act, and the Family Farmer Relief Act
Tomorrow evening, the House Judiciary Committee is scheduled to consider the following bills under suspension of the rules: H.R. 3311 [Small Business Reorganization Act of 2019], H.R. 2938 [Honoring American Veterans in Extreme Need "HAVEN" Act of 2019], and H.R. 3304 [National Guard and Reservists Debt Relief Extension Act of 2019].
No amendments would be allowed and a two-thirds majority would be required for passage. Having spoken with the Chief Majority Counsel for the Subcommittee on Antitrust, Commercial, and Administrative Law, Mr. Slade Bond, the bills are likely to be passed as introduced.
Thursday, July 11, 2019
Resolution Authorizing Issuance of Subpoenas, Small Businesses, Veteran Benefits, HAVEN Act, and the Family Farmer Relief Act
On July 11, 2019, the House Committee on the Judiciary met for a Full Committee Mark-Up on Resolution Authorizing Issuance of Subpoenas, Small Businesses, Veteran Benefits, HAVEN Act, and the Family Farmer Relief Act.
H.R. 3311, the "Small Business Reorganization Act of 2019," was Ordered to be Reported Favorably, Voice Vote en bloc [with H.R. 3304, the "National Guard and Reservists Debt Relief Extension Act of 2019"; H.R. 2938, the "Honoring American Veterans in Extreme Need Act of 2019" or the "HAVEN Act"; and H.R. 2336, the "Family Farmer Relief Act of 2019. Link
Monday, July 2, 2019
Oversight of Bankruptcy Law and Legislative Proposals Hearing
Thursday, June 19, 2019
Hearing on Oversight of Bankruptcy Law and Legislative Proposals
Please be advised the hearing has been postponed and rescheduled to take place on Tuesday, June 25, 2019 at 10:00 a.m.
Please find attached the Witness List and Notice of Hearing Revision 1. As of now, there are the only documents available publically. Witness Link Notice of Hearing Link
Tuesday, June 18, 2019
House Bill 3311/Senate Bill 1091s
On June 18, 2019, The Small Business Reorganization Act of 2019 (H.R. 3311/S. 1091) was introduced. The bill – sponsored by Representatives Ben Cline (VA) and David N. Cicilline (RI) in the House, and Senator Chuck Grassley (IA) in the Senate – would simplify the process for small businesses to use bankruptcy as a means of reorganization by adding a new subchapter V to Chapter 11. Under the bill, businesses with less than $2.5 million in debt would be able to file for bankruptcy in a more streamlined manner. While in bankruptcy reorganization, a small business would be able to negotiate with creditors while retaining the control of the business, keeping employees on payroll, and suppliers and vendors paid. Other specifics of the bill include: not requiring a committee of unsecured creditors and disclosure statement unless the court orders it for cause, and a standing trustee would be appointed in every small business debtor case to perform duties similar to those by a trustee in Chapter 12 or 13.
HR 3311 l Small Business Reorganization Act of 2019 Fact Sheet
Wednesday, June 5, 2019
House Bill 3102
On June 5, 2019, Representative Peter A. DeFazio (OR) introduced H.R. 3102, the Helping Individuals Get a Higher Education while Reducing Education Debt Act of 2019 (without any co-sponsors). The bill, as introduced, amends the Higher Education Act of 1965 to improve loans, and for other purposes.
After introduction, House Bill 3102 was referred to the Committee on Education and Labor, and in addition to the Committees on the Judiciary, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. Link
Friday, May 24, 2019
House Bill 3027
On May 24, 2019, Representative Frederica Wilson (D-FL-24) introduced (without any co-sponsors) H.R. 3027, the Student Loan Borrowers' Bill of Rights Act of 2019. The bill, as introduced, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes.
After introduction, House Bill 3027 was referred to the Committee on Education and Labor, and in addition to the Committees on Ways and Means, the Judiciary, and Oversight and Reform, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. Link
Wednesday, April 16, 2019
Senate Bill 1002
On April 3, 2019, Senator Merkley (OR) introduced S. 1002, the Affordable Loans for Any Student Act, which was co-sponsored by Senators Stabenow (MI), Gillibrand (NY), Baldwin (WI), Blumenthal (CT), Schatz (HI), Cardin (MD), Cortez Masto (NV), Van Hollen (MD), and Wyden (OR).
The bill was introduced to amend the Higher Education Act of 1965, increasing the usage of the Federal student loan income-based repayment plan as well as improve repayment plan options for borrowers. After introduction, the bill was referred to the Committee on Health, Education, Labor and Pensions. Link
Wednesday, April 3, 2019
House Bill 1726
On March 13, 2019, Representative Chris Collins (NY) introduced H.R. 1726, the Protecting Gun Owners in Bankruptcy Act of 2019, which was co-sponsored by Reps. Scott (TN), Latta (OH), and Young (AK). The bills, as introduced, amends title 11 of the United States Code to include firearms in the types of property allowable under the alternative provision for exempting property from the estate. After introduction, House Bill 1726 was referred to the House Judiciary Committee. Link
Wednesday, April 3, 2019
Senate Bill 766
On March 13, 2019, Senator Tillis (NC) introduced S. 460, the PROTECT Asbestos Victims Act of 2019, which was co-sponsored by Senators Grassley (IA), Cornyn (TX), and Crapo (ID). The bills, as introduced, amends title 11 of the United States Code to promote the investigation of fraudulent claims against certain trusts, to amend title 18, United States Code, to provide penalties against fraudulent claims against certain trusts, and for other purposes. After introduction, Senate Bill 766 was referred to the Senate Judiciary Committee. Link
Wednesday, March 6, 2019
House Bill 1557
On March 6, 2019, Representative Cheri Bustos, (IL) introduced H.R. 1557, which was co-sponsored by Reps. Tim Burchett (TN), Elissa Slotkin (MI), and Cynthia Axne (IA). The bill was introduced to amend Title 11 of the US Code to prohibit the payment of bonuses to highly compensated individuals employed by the debtor and insiders of the debtor to perform services during the bankruptcy case. After introduction, the Bill was referend to the Committee on the House Judiciary.
Friday, February 22, 2019
McKinsey to Settle With DOJ Over Disclosures in Chapter 11 Cases
The U.S. Trustee Program (USTP) within the Depart of Justice entered into a settlement agreement with KcKinsey and Company, Inc. The USTP alleged that McKinsey made insufficient disclosures about its clients and investments in entities (disclosures that are required under the Bankruptcy Code and Rules).
Under the terms of the settlement McKinsey agreed to pay $15 million in three cases to remedy inadequate disclosures of connections and to make additional disclosures. This is one of the highest repayments made by a bankruptcy professional for non-compliance with disclosure rules. The USTP has agreed not to bring additional actions based on McKinsey's past disclosures. The settlement does not impact the rights of any parties or government agencies not participating in the settlement.
Friday, February 22, 2019
Senate Bill 460
On February 12, 2019, Senator Warner (VA) introduces S. 460 which was co-sponsored by Senators Thune (SD), King (ME), Capito (WV), Markey (MA), Roberts (KS), Murphy (CT), Hoeven (ND), Jones (AL), Rounds (SD), Blumenthal (CT), Collins (ME), Tester (MT), Blunt (MO), Hassan (NH), Young (IN), Rosen (NV), Gardner (CO), and Sinema (AZ).
The text of the bill has not yet been released but the bill was introduced to amend the Internal Revenue Code of 1986 to extend the exclusion for employer-provided education assistance to employer payments of student loans. After introduction, Sentate Bill 460 was referend to the Finance Committee.
Friday, February 15, 2019
House Bill 885
On January 30, 2019, Representative Steve Cohen (TN) introduced H.R. 885, the Private Student Loan Bankruptcy Fairness Act of 2019, which is co-sponsored by Reps. Joe Courtney (CT), Danny Davis (IL), Henry Johnson (GA), Jerry McNerney (CA), Gwen Moore (WI), Eleanor Holmes Norton (DC), Eric Swalwell (CA), Dina Titus (NV), Peter Welch (VT), John Yarmuth (KY), Jahana Hayes (CT), Chellie Pingree (ME), and Harley Rouda (CA).
The bill was introduced to modify the dischargeability of debts for certain educational payments and loans. More specifically, adding the following language, "any program for which substantially all of the funds are provided by". After introduction, House Bill 885 was referend to the House Committee on the Judiciary. Link
Wednesday, February 6, 2019
House Bill 683
On January 17, 2019, Representative Nydia Velazquez (NY) introduced H.R. 683, which was co-sponsored by Rep. Jenniffer Gonzalez-Colon (PR), Rep. Raul Grijalva (AZ), Rep. Rob Bishop (UT), Rep. Andy Biggs (AZ), and Rep. Darren Soto (FL). The bill was introduced to impose requirements on the payment of compensation to professional persons employed in voluntary cases commenced under Title III of the Puerto Rico Oversight Management Economic Stability Act.
The Bill states that in cases commenced under Section 304 of the Act, no attorneys, accountants, appraisers, auctioneers, agents, consultants or other professional persons shall be compensated under section 16 of the Act unless prior to making a request for compensation such a professional person has submitted a verified statement conforming to the disclosure requires of rule 2014(a) of the Federal Rules of Bankruptcy Procedure. After introduction, House Bill 683 was referend to the House Committee on the Judiciary. Link
Wednesday, January 9, 2019
Bankruptcy Watchdogs at U.S. Trustee Office Leashed by Shutdown
The partial government shutdown is affecting some Chapter 11 cases. U.S. Trustee lawyers, who are responsible for establishing creditor committees and organizing meetings between debt holders and bankruptcy companies in corporate bankruptcy cases, are limiting their work. Additionally, some bankruptcy cases have been halted as government lawyers cannot participate during the shutdown. These limitations and halts will continue through the shutdown.
Friday, December 28, 2018
Bankruptcy Bill Aims To Keep More Small Businesses Open
Bankruptcy Bills S. 3689 and H.R. 7190 are expected to be reintroduced in 2019 to add a separate subchapter to the Bankruptcy Code for small businesses. The current Code makes it difficult for small businesses to reorganize and often results in liquidation. This new subchapter would treat small businesses more like individuals than corporate filers.
Under the new legislation businesses must file their reorganization plan within 90 days, and allows small business owners to retain a stake in the company if the reorganization plan is fair and equitable to all classes of claims or interests. It further requires the small business's disposable income (after ordinary and necessary operating expenses are paid) is applied to the plan over a three to five year period, or a Court will not approve the plan.
The legislation further relaxes the Absolute Priority Rule and appoints a standing trustee in every case to make sure that the reorganization stays on track. To further reduce the burdens and costs on small businesses, the Bill excludes small businesses from filing a disclosure statement.
Tuesday, October 23, 2018
Senate Bill 3584 » On October 11, 2018, Senator Jeff Merkley (D) from Oregon, together with Democratic Senators Debbie Stabenow, Michigan; Kirsten Gillibrand, New York; Tammy Baldwin, Wisconsin; Richard Blumenthal, Connecticut; Brian Schatz, Hawaii; Ben Cardin, Maryland; and Catherine Cortez Masto, Nevada, introduced S. 3584 to amend the Higher Education Act of 1965 as it relates the repayment options for Federal Student Loans. This Bill aims to improve the repayment plan options for borrowers as well as increase the usage of the income-based repayment plan option. After the Bill was introduced, it was referred to the Committee on Health, Education, Labor, and Pensions. Link
Tuesday, October 23, 2018
UPDATE H.R. 6912» On September 26, 2018, Representative John Duncan (TN) introduced H.R. 6912. The bill was introduced to amend Title 11 of the U.S. Code to prohibit the payment of bonuses to highly compensated employees and insiders of the debtor to perform services during the bankruptcy case. After introduction, House Bill 6912 was referred to the House Committee on the Judiciary. Link
Friday, September 28, 2018
H.R. 6912 » On September 26, 2018, Representative John Duncan (TN) introduced H.R. 6912. The bill was introduced to amend Title 11 of the U.S. Code to prohibit the payment of bonuses to highly compensated employees and insiders of the debtor to perform services during the bankruptcy case. After introduction, House Bill 6912 was referred to the House Committee on the Judiciary. The text of the bill has yet to be published. ♦
Wednesday, August 15, 2018
HOUSE BILL 6588 » As previously advised, H.R. 6588 was introduced in the House on July 26, 2018 to amend Title 11 of the U.S. Code. The Bill text has been published and includes the language to modify the circumstances under current law to allow an individual debtor to discharge certain educational loans and educational benefits received by the debtor more than 5 years before the commencement of the bankruptcy case under such title and provides that the amendment shall not apply with respect to a debt for an educational benefit, overpayment, loan, scholarship, or stipend received by a debtor before the effective date of this Act. Link
Wednesday, August 1, 2018
CLLA Members' Law Firm Wins Federal Lawsuit »
Jim Kozelek and Don Mausar's (CLLA members and shareholders of Weltman, Weinberg, & Reis, Co., LPA) firm successfully defended itself in the lawsuit filed against it by the Consumer Financial Protection Bureau alleging misleading letters and lack of meaningful attorney involvement. Link
Tuesday, July 10, 2018
New York Southern District Court finds the CFPB Unconstitutional in CFPB v. RD Legal Fund, LLC.
Theodore J. Hamilton, Esq. Wetherington Hamilton, P.A. Tampa, FloridaTo prevent tyranny and protect individual liberty, the Framers of the Constitution separated the legislative, executive, and judicial powers of the new national government. To further safeguard liberty, the Framers insisted upon accountability for the exercise of executive power. The Framers lodged full responsibility for the executive power in a President of the United States, who is elected by and accountable to the people. (Judge Kavanaugh Dissent, PHH Corp v. CFPB, 881 F.3d 75 (D.C. Cir. 2018)) Link
Wednesday, June 20, 2018
2018 National Convention a Success »
PRESS RELEASE For Immediate Release
Associate Director
(312) 240-1400
Commercial Law League and IACC 2018 National Convention and Spring Meeting a Success. Robert A. Bernstein awarded 2018 CLLA President's Cup
Rolling Meadows, IL 6/19/18 — The Commercial Law League of America (CLLA), in collaboration with the International Association of Commercial Collectors (IACC), held their third annual joint meeting at The CLLA 124th National Convention & The 187th Chicago Spring Meeting on June 6-9, 2018. Link
Monday, June 18, 2018
Bankruptcy Rules and Committee Requests » The Advisory Committee on Bankruptcy Rules is looking for feedback from the public as to whether the current Bankruptcy Rules should undergo a restyling process as the Federal Rules are doing so. Link
Monday, June 18, 2018
Mulvaney Taps Ex-FTC Consumer Chief to Oversee CFPB Rulemaking » Mick Mulvaney, acting Director of the CFPB has appointed Thomas Pahl to oversee the regulatory efforts of the Bureau, including the Division of Research, Markets & Regulation, as well as the Associate and Assistant Director. Link
Monday, June 18, 2018
The Trump CFPB Seen As Shifting To By-The-Book Supervision » Under acting Director of the Consumer Financial Protection Bureau, Mike Mulvaney, the supervisory process of banks and credit unions has been moving along at its usual pace; however there appears to have been a shift in what the examiners have been looking for when they review the books at the financial institutions.
What the examiners are looking for has changed as they are focusing on strict compliance with the laws on the books rather than industry practices that might be legal but could raise UDAAP issues.Under former Director, Richard Cordray, the CFPB was criticized for the examiners looking at broader trends rather than technical violations which at times, "tripped up" businesses that were not violating the existing law. ♦
Monday, June 18, 2018
House Bill 5633 » As previously advised, H.R. 5633 was introduced in the House on April 26, 2018. The text of the Bill has now been published and is known as the HANGUP Act to help Americans never get unwanted phone calls. Link
Thursday, April 12, 2018
CFPB Says Considering If Complaint Process Should Be Changed » The Consumer Financial Protection Bureau has previously announced that it will be seeking feedback on the Bureau's handling of consumer complaints and inquiries. Acting Director Mick Mulvaney has recently added that the CFPB seeks this feedback to ensure that the agency is fulfilling the "proper and appropriate functions" for which the agency was created in 2011.How the agency has dealt with complaints has been debated since inception. Bank industry groups have argued that making complaints public could allow frivolous complaints to damage the reputation of innocent brands. On the other hand, the consumer advocacy groups pushed for public complaints to warn consumers. ♦
Tuesday, April 10, 2018
Chapter 11 Not Suited for Small Businesses, Senate Panel Told » On March 7, 2018, the oversight subcommittee of the Senate Judiciary held a hearing to discuss proposals to revise the Bankruptcy Code. More specifically, to better facilitate Chapter 11 reorganizations for small and medium enterprises (SMEs). Link
Monday, April 9, 2018
Mulvaney Asks Congress to Wield More Power Over CFPB » In a semi-annual report, Acting Director of the Consumer Financial Protection Bureau, Mick Mulvaney asked Congress to approve major rule changes he is proposing which include giving Congress power over the agency's appropriations, and calls for an independent CFPB inspector general. Mulvaney acknowledges that many Members of Congress disagree with his proposal, but argues that the Bureau is far too powerful with far too little oversight as evidenced by the enactment of Dodd-Frank.
This announcement has been met with much opposition. Policy Director for the center on Regulation and Markets argued that Congress established the CFPB for the purpose of protecting consumers from abuses, they did not create the agency simply to create regulations for itself. He further argues that subjecting the CFPB to appropriations by Congress would only weaken oversight.
The CFPB is currently working on a proposed rule on debt collectors' consumer disclosures and communications practices to include robocalls and robotexts as they were the agency's Number 1 consumer complaint last year. There is also talk of potential changes to the federal mortgage disclosure requirements in the Truth in Lending Act. ♦
Wednesday, April 4, 2018
DeVos Moving Ahead on Overhaul of Student Loan Processing System » The Trump administration is moving forward to overhaul the current online student loan processing and servicing platform. The new program will be known as the Next Generation Financial Services Environment, or better known as NextGen. The upgrade will focus on better customer service and stronger consumer protections while still ensuring students will get the money that they need to pay for a college education. Link
Thursday, March 29, 2018
Senate Bill 2564 » Senator Thomas Tillis (NC) introduced S.2564, which is co-sponsored by Senators Cornyn (TX), Grassley (IA) and Hatch (UT). The official title of the bill is "Protect Asbestos Victims Act of 2018" and was introduced to amend title 11, United States Code, to promote the investigation of fraudulent claims against certain trusts, to amend title 18, United States Code, to provide penalties against fraudulent claims against certain trusts, and for other purposes. After introduction, the Bill was referend to the Senate Committee on the Judiciary. ♦
Tuesday, March 20, 2018
Trump Administration Backs Student Loan Collectors » The Trump Administration and the Education Department are taking steps to shield student loan collection companies from state regulators. Betsy DeVos, Education Secretary, will soon issue a declaration citing that only the federal government, not the states, has the authority to oversee federal student loan servicers and companies collecting on those loans are off limits for state lawmakers and regulators. Link
Tuesday, March 20, 2018
Rules on Student Loans in Bankruptcy to Be Revisited » The Education Department is asking for public comments on evaluating claims of undue hardship. Currently, student loans can be discharged in bankruptcy only if there is an undue hardship, a term that has yet to be defined by Congress and the Department does not have the authority to define it. The Department is aware of their obligation to taxpayers to determine the most effective way to collect on federal student loans, but doesn't want the federal government expending a lot of energy and money to attempt to collect debts that will never be repaid.
Meanwhile, the House and Senate have both introduced legislation that if passed, would allow private student loans to be discharged in bankruptcy. President of the Center for Academic Renewal, Jenna Robinson, told a Senate committee earlier this month that allowing private student loans to be treated like other loans in bankruptcy will give an incentive to lenders to lend more wisely which would ultimately decrease the private student loans awarded to students who cannot pay them back. ♦
Wednesday, March 14, 2018
Senate Bill 2425 » As previously advised, S. 2425 was introduced into the Senate. The bill has now been published and a copy of the Bill, as introduced is attached for your review. The purpose of the Bill is to amend the Internal Revenue Code of 1986 to repeal the Internal Revenue Service's private debt collection program. To date, the Bill remains in the Committee on Finance. ♦
Thursday, March 8, 2018
Senate Bill 2518 » On March 7, 2018, Senator Richard Durbin (IL) introduced S.2518, which is co-sponsored by Senators Sheldon Whitehouse (RI) and Sherrod Brown (OH). The bill was introduced to amend title 11, U.S. Code, to improve protections for employees and retirees in business bankruptcies.
After introduction, the Bill was referred to the Senate Committee on the Judiciary. The text of the bill has yet to be published, but will be updated here upon its release. ♦
Friday, March 2, 2018
Senate Judiciary Committee Hearing » A hearing has been scheduled for the Senate Judiciary subcommittee on Oversight, Agency Action, Federal Rights and Federal Courts. The hearing is scheduled for March 7, 2018 @ 2:30 and will focus on "Small Business Bankruptcy: Assessing the System". Chairman Sasse (Nebraska), will be presiding over the meeting and it can be viewed at in real time. Link
Friday, March 2, 2018
CFPB Requests Info on Consumer Complaint Reporting » According to an emailed statement from the Consumer Financial Protection Bureau, they are seeking information from interested parties on the usefulness of the reporting and analysis of complaints. Additionally, they are seeking specific suggestions and/or bet practices for such reporting.
The Bureau states that it intends to issue separate requests for information on the rule-making process, adopted rules and inherited rules, as well as information on consumer education and inquiries. ♦
Friday, March 2, 2018
Growing Student Debt Could Hold Back Growth » Jerome Powell, Fed Chairman, has acknowledged that while it is important for Americans to borrow to invest in their future, he fears that over time the student loan debt could pose a macroeconomic risk to growth in the United States. Research has shown that borrowing without first making informed decisions has a longer term negative effect on people who cannot pay off their student loans and reminds us that student loan debt cannot be discharged in bankruptcy. ♦
Wednesday, February 28, 2018
House Bill 5082 » On February 23, 2018, Representative Alexander Mooney (WV) introduced H.R. 5082, which is co-sponsored by Representative Vicente Gonzalez (TX). The bill was introduced to amend the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes.
After introduction, House Bill 5082 was referred to the House Committee on Financial Services. The text of the bill has yet to be published, however once made available I will forward same. ♦
Monday, February 12, 2018
Trump CFPB May Act on Debt Collection As it Pulls Back Elsewhere » Acting director of the Consumer Financial Protection Bureau, Mick Mulvaney recently stated that while the bureau will scale back rulemaking and enforcement in 2018, it will focus on debt collection as complaints continue to climb at the Dodd-Frank agency. One third of those complaints are related to debt collection. The complaints include harassing phone calls, the wrong debt for the wrong person, revealing debts to third parties as well as issues with modern technology such as text messages and social media. In 2016, under the former director of the bureau, a proposal was outlined that aimed to address issues with third-party debt collectors and debt buyers initially and bank and first-party creditors at a later date. Many however doubt that the Trump CFPB will follow the 2016 plan. ♦
Thursday, January 25, 2018
Bankruptcy Filings for 2017 "Flattened Out" » The latest figures from the Administrative Office of the U.S. Courts show that for the 12 month period ending December 31, 2017, bankruptcy filings (789,020 cases filed) were down 0.7% from 2016 (794,960 cases filed). While this is the smallest 12 month percentage decline, records show that this is the lowest number of bankruptcy filings for any calendar year since 2006. However, the American Bankruptcy Institute predicts that as borrowing begins to rise again, so will bankruptcy filings. The total case filings broken down by Chapter show that 2017 had 486,347 Chapter 7 filings; 7,442 Chapter 11 filings; 501 Chapter 12 filings; and 294,637 Chapter 13 filings. ♦
Wednesday, January 10, 2018
Senate Bill 2282 » On January 8, 2018, Senator John Cornyn from Texas, for himself and Senator Elizabeth Warren from Massachusetts, introduced S. 2282 to amend title 28 of the U.S. Code to modify venue requirements in bankruptcy proceedings. The amendment requires debtors to file for bankruptcy in the district where their principal assets, domicile or residents is located restricting an individual debtor from filing in a district on the basis of state of incorporation alone. Link
Wednesday, January 10, 2018
Mortgage Company Dodges Claim After Making 1,000 Phone Calls » Ocwen Loan Servicing LLC allegedly made over 1,000 phone calls to Plaintiff, Elizabeth Geismar without her consent and sought relief for negligence under the Telephone Consumer Protection Act. Ocwen filed to dismiss the claim stating a lack of standing to sue as she did not suffer any injury.
The U.S. District Court for the Northern District of California disagreed with Ocwen's claim in that Plaintiff's personal privacy was invaded from persistent phone calls and allowed the claim to proceed. The claim was later dismissed by the Court citing that the loan servicing company was not an active participant in the financed enterprise relating to Plaintiff's loan, Defendant owed no duty of care to the Plaintiff. ♦
Monday, January 8, 2018
Senate Bill 2267 Update » As previously advised, On December 21, 2017, S. 2267 was introduced in the Senate. Additional information has been published as well the. The Bill was introduced as The Pension Priority Act and referred to the Senate Judiciary Committee thereafter.
The intent of the Bill is to allowing unsecured claims resulting from the termination of an employee pension benefit plan covered under the Employee Retirement Income Security Act for withdrawal liability; for awards pursuant under the Act; for delinquent contributions and obligations under the Act; and other obligations owed to the employee and/or the Pension Benefit Guaranty Corporation. Link


text:
Price: $35.00
Quantity: 1 available
Book Condition: Fine
Very clean, attractive book with no names or writing and no tears or chips to jacket which is protected by brand new mylar cover. Former owner's name and date written at upper front corner of front free endpaper only fault. A scarce book printed on coated paper and illustrated with black and white photographs. Measures 6"x8-1/2" and has 220 pages.
Title: In the Workers' Interest: A History of the Ohio Afl-Cio, 1958-1998
Categories: Ohioana, Associations,
Edition: First Edition
Publisher: Columbus, Ohio, U.S.A., Center for Labor Research: 1998
ISBN Number: 0966628403
ISBN Number 13: 9780966628401
Binding: Hard Cover
Book Condition: Fine
Jacket Condition: Fine
Item: 1.00 Item
Seller ID: 25061
Keywords: AFL-CIO Ohio. Ohio Labor Unions.

subset: commoncrawl


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text: Nicole knows all about the tending rates & has all the right connections to lenders. Did we mention that Nicole has worked for major banks for over 13 years? It's safe to say that she knows her numbers. It is a huge compliment when clients call her back five or six years later because they remembered how she treated them and would like to deal with her again.


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First local commission for The Style Network
NBCUniversal, in association with Core3 Entertainment today announced the commission of Fashion Bloggers, the first locally produced series for The Style Network, on Fetch and Foxtel.
Fashion Bloggers follows the fast-paced lives of Australia's top independent bloggers of fashion, beauty and lifestyle. Surrounded by a boundless playground of vogue styles and chic trends, we follow these always on-the-go trendsetters as they style, shoot and post customised editorials through their countless social media outlets.
However, being at the forefront of fashion and lifestyle is not all front rows and runway shows. Fashion Bloggers will take you behind the scenes and in to the girls' personal lives, bringing to light the challenges of being in demand 24 hours a day.
Each with their own individual and unique personal brands, interests and styles, our Fashion Bloggers are:
Amanda Shadforth, Oracle Fox
Kate Waterhouse, KateWaterhouse.com
Margaret Zhang, Shine By Three
Sara Donaldson, Harper & Harley
Zanita Whittington, Zanita
Chris Taylor, VP of International Television across Australia and New Zealand for NBCUniversal said "We are delighted to be partnering with Core3 Entertainment to create our very own locally produced docu-series, for The Style Network.
This is a first for NBCUniversal Australia and is a great example of the continued evolution of our networks business in the region. Fashion Bloggers is a fantastic opportunity to showcase these talented young women to Australian audiences and to flag our commitment to local content."
Executive Producers Philippa Whitfield Pomeranz and Rebecca Buttrose have combined together their television expertise to create this unique series.
Philippa Whitfield Pomeranz said: "This series shows exactly why Fashion Bloggers are the new tastemakers of fashion and lifestyle. They don't just report on the trends, they help shape them."
Fashion Bloggers will launch on The Style Network later in 2014


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AOA's Yuna and Hyejeong Are Glammed Up for SURE Magazine
AOA's Yuna and Hyejeong are ready to party it up for SURE magazine.
The spread is titled "Gorgeous Time to Party," and the girls are glammed up for a night out. Hyejeong is decked out in a red miniskirt, a glittery black top, and gold accessories, while Yuna wears a white faux-fur jacket over a fool's gold colored dress.
In the second set of photos, they're dressed in more Christmas-appropriate colors, with Hyejeong in a navy blue dress and Yuna wearing a red and grey fur jacket.
During the filming, the girls were lauded by staff members for monitoring each other and generally creating a warm atmosphere on set. The full pictorial spread will be released in the December issue.
*A previous version of this article switched Hyejeong and Yuna.


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2015-05-29 12:10:14
Some 73% of fresh shop-bought chicken tested positive for food poisoning bug campylobacter in a year-long study by the Food Standards Agency (FSA).
The survey tested about 4,000 samples of whole raw chickens bought from UK retail outlets and independent stores.
All of the major retailers failed to reach industry targets to reduce the bug over the period of the study.
But the FSA said Marks & Spencer, Morrisons, the Co-op and Waitrose had since seen a fall in contamination.
The four retailers carried out their own case studies to show how their plans to reduce levels of campylobacter are working, the results of which have also been published.
This data - from tests carried out on more recent samples than the FSA study - showed "significant decreases in the incidence of campylobacter on their raw whole chickens", the agency said.
Campylobacter is the most common form of food poisoning in the UK, with an estimated 280,000 people a year affected by it. Poultry is the source of most cases - although cooking meat properly will kill the bug.
By James Gallagher, BBC News website health editor
About 280,000 people discover the gut-wrenching pain of a campylobacter infection each year - symptoms include diarrhoea, stomach pains and cramps, fever, and generally feeling unwell.
The illness usually lasts for a few days but it can lead to long-term health problems, including irritable bowel syndrome and reactive arthritis, or even be fatal.
The overwhelming majority of cases come from contaminated poultry - about four in five - but other sources include red meat, unpasteurised milk and untreated water.
Campylobacter is very easily spread so other foods prepared in the same kitchen, so even if your chicken is thoroughly cooked you may have contaminated something else.
Steps to avoid it include covering and chilling raw chicken, not washing raw chicken (as washing may spread the bug), cooking it thoroughly and washing hands and used utensils thoroughly.
The FSA has more information on the bug
The FSA study, which ran from February 2014, looked at the prevalence and levels of campylobacter contamination on the chickens and their packaging.
The FSA said 19% of the chickens tested positive for the bug at the highest level of contamination.
The results found that:
Steve Wearne, FSA director of policy, said: "I want to challenge those retailers who haven't yet demonstrated the impact that M&S, Morrisons, the Co-op and Waitrose are having on reducing campylobacter on chickens on their shelves.
"We expect all retailers and processors to be achieving the reductions we have seen in these retailers' figures - that's the only way we will meet the target we all signed up to."
Individual figures for Lidl, Aldi and Iceland were not available as their market share was not considered large enough. Their results were reported together with those from independent butchers and convenience stores.
A second year of testing to measure the impact of moves introduced by the food industry to tackle the problem will begin in summer.
The British Poultry Council, the national trade group for the poultry industry, said its members remained committed to reducing campylobacter in chicken as a "top priority".
Richard Lloyd, the executive director of consumer group Which?, said: "It beggars belief that nearly three-quarters of chickens on sale in supermarkets are still infected with this potentially deadly bug and that no retailers have met the FSA's target."
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Crystal meth found at Home Office headquarters as Sajid Javid boasts about sniffer dogs' prowess
Theresa May faces deadlock over Brexit customs rules, after senior politicians attack both proposed options


text:
Download: Nokia Bubbles Experimental for Symbian^3 – Nokia N8, C7, E7, C6-01
Today, Betalabs introduces a cool and efficient application named Nokia Bubbles. It's an app that gives more intuitive unlocking of your device, selected applications and notifications. It is also looks very pleasing and cool as the bubbles and the whole UI during the use of apps have bouncing and shaking effects.


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Library Search can be used to find a wide range of information sources including books, eBooks, journal articles and streamed videos.
Use this box to start your search.
As a TEP student, you may use the facilities and seek assistance from staff at any of the campus libraries.
Information about the various campus libraries can be found at the following link: CQUniversity Library locations.
If you are unable to visit a Library in person, Library assistance is still available. See the Need Help? box on this page.
TEP students may:
More information about the Library's borrowing services can be found on the Library's Borrowing webpage.
The Library website at http://www.cqu.edu.au/library provides not only information about a wide range of Library services and resources but also provides access to the online resources in the Library Collection.
You can, for example, access ebooks and online journal articles via the Library website. In addition, if you want to borrow physical resources such as books and DVDs, you can search for these and also request them via links on the Library website.
If you have any questions about Library resources and services, please contact the Library. Contact details are to the left of this webpage.


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We are a relatively small, tightly woven group of voice actors, writers and editors, who work together on non profit projectsthat we plan to upload on YouTube.
Generally, we like to work on Anime and Manga Fan dubs(and possibly abridged series)but we may decide to branch out a bit later on.If you would like to join our group, pleaseconsider the following before auditioning:
-You have a relatively good quality microphone
-You have a Skype or Discord account
-You will be able to be in contact with the groupon a regular basis (for example: being active in the groupchat and attending group calls frequently. If you are unable to do this,do not audition.) you're wasting our time and yours if you can't understand this.
-You are agreeable, and easy to work with
-If you are an editor, make sure you have a wide range of skills,including syncing audio and video, and that you have a good editing program.
-Make sure that you are of at least 16 years of age. We DO NOT make exceptions. You're not special.
-If you are a writer, make sure that you use proper grammar,and will be able to write scripts for abridges, fan dubs, and possibly updated recruitment videos.
-Note that we are recruiting for permanent members.
To audition please leave an audio file of you telling us a bit about yourself.
You'll be voice acting for us.
Tell us about yourself...
Think you're funny, Huh? Think you're dramatic do ya? Well then give script writer an audition!
Tell us about yourself...
You know your way around Sony vegas or adobe? We're always looking for more editors.
Tell us about yourself...


text:
Congratulations on your new baby! There is nothing more exciting and potentially overwhelming as your first newborn doctor visit. There are so many things to discuss and ask your pediatrician.
This is one of my most favorite pediatric visits as a pediatrician. It's a time when I meet and share the excitement and wonder of having a newborn infant with parents. No matter how many times I do newborn doctor visits each one is unique to each set of parents and newborn infant. Each newborn doctor visit has a feeling of overwhelming love and happiness of having a new baby.
There is no question or concern that is too simple
During the visit your baby will be measured and weighed and have a physical examination. You pediatrician may also ask questions and discuss your pregnancy, labor and delivery, baby's feeding schedule and sleep patterns and your baby's home environment. Your pediatrician may also ask about how everyone including the baby's mother is adjusting to the new baby and whether the mother is having any problems with postpartum depression or stress.
It's important to feel you can discuss and ask any questions or concerns you have with your pediatrician. You need to feel you can ask your pediatrician any question. I always tell parents there is no question or concern that is too simple or unintelligent. It's important to have excellent communication and dialogue with your pediatrician since that person is the one caring for your newborn's health and development.
Write down questions before the newborn doctor visit
There are several areas you will want to discuss and ask questions in a newborn visit. Here are some questions to ask during the first newborn visit. One thing I advise parents is to write down questions before you come to the appointment because it's easy to forget your questions when you are at the visit.
Read Next | How Long Is Maternity Leave in the United States Typically?
How much weight did the baby gain
One of the first questions most parents' want to know at the newborn visit is how much does the baby weight and did the baby gain weight since she was discharged from the hospital. While this is an important question to both parents and pediatricians often babies will lose weight after coming home initially which most parents are not aware and often are surprised when told instead of gaining weight their baby has lost weight.
Labor and Delivery Questions
You may want to ask questions about your baby's delivery particularly if there were any complications or problems and if this will affect your baby in any way. For example, if there were any concerns when your baby was born about jaundice, you will want to ask if your baby has any signs of jaundice and if there needs to be a bilirubin level test (assesses jaundice by determining bilirubin levels – breakdown product of red blood cells – in your baby.
What is my baby's weight height and head circumference, percentile on the growth curve for these measurements and how does it compare to her birth measurement? Are my baby's heart rate, breathing, and temperature normal for a newborn?
Read Next | What's the Deal with Breastfeeding and Formula?
Newborn Feeding Questions
- Ask any questions you may have regarding feeding.
- Is my baby getting enough breast milk or formula?
- How often should my baby be taking feeds?
If you are breastfeeding
Discuss and ask questions about any problems or concerns you may have regarding breastfeeding. What do you do if you are not producing enough milk? Is it ok to supplement with breast milk. What techniques should you use to help support your baby latching onto your breast and feeding well? How long should you breastfed on each breast. What do I do if my nipples are sore? Is it ok to pump and how often? And any other breastfeeding questions.
If Formula
Feeding ask what formula your baby should be using and how much and how often?
Newborn Burping Questions
- Ask and ask the pediatrician to demonstrate what is effective burping techniques.
- What do I do if my baby spits up after feeding?
- Should I feed on demand?
Nipple care
- What nipple cream should I use?
- What do I do if my nipples are sore?
- What foods do I need to avoid while breastfeeding
- What do I do if my breast hurts?
- How do I know if I have a yeast infection on my nipples
Read Next | When to Start Your Baby on Solid Foods
Newborn Sleep
- How many hours should my baby be sleeping?
- How many naps does my baby need to have?
- Should I wake my baby to feed?
- Where should my baby sleep?
- How can I prevent SIDS while my baby sleeps?
- What should be in my baby's crib or bassinet?
- Should I have a bedtime routine and what should it be.
- What should I do if my baby will not sleep?
- How many wet diapers should my baby have?
- How often do babies have stools?
- What should I do if I think my baby is constipated?
- What color should my baby's stools be?
- Is it ok if my baby has stools after each feeding?
Read Next | 10 Frequently Asked Questions about Infant Sleep Habits
Bathing Newborn Babies
- How often and how should I bathe my baby?
- What baby wash or soap should I use?
- What lotion should I use after the bath?
Newborns Physical and Mental Development
- What kinds of things can my baby do as a newborn?
- When do I start tummy time?
- What can I do with my baby to help her development?
- What toys should I have for my baby?
- When should I start reading to my baby?
- When does my baby smile at me?
Pediatrician Support
- Does the pediatrician provide on call access to a pediatrician for 24 hours a day?
- How do you reach the pediatrician after hours?
- What is the on call number?
- Is the pediatrician available via email or texting?
- Will I have access to my baby's medical information online?
- Is there a lactation consultant available through the practice or can the pediatrician recommend one?
Read Next | Core or "Trunk" Strengthening Exercises for Babies
Bonding with baby and soothing baby
- How should I calm my baby when she is crying?
- What about pacifier use?
- Should I swaddle my baby?
- Can you demonstrate how I can do baby massage with my baby?
Umbilical Cord Care
- How should I care for the umbilical cord?
- Does the umbilical cord look ok?
Newborn Screen and Hearing Test results
- What are the results of the newborn screen (blood test done in the hospital (or by midwife if home delivery) which screens for problems like thyroid disease, sickle cell disease, PKU and other newborn diseases?
- Did my baby pass his hearing exam in the hospital?
- Will my baby receive any immunizations at the first visit? If yes what are the side effects and risks?
- What is the immunization schedule and is there any flexibility in the schedule?
Baby care
- How do I use a nasal aspirator with my baby if she is stuffy and congested and can you demonstrate the technique?
- How do I take my baby's temperature?
- Do I need to use a barrier ointment or cream with diapering?
- What laundry soap do I use to wash my baby's clothes?
Car seat
- Is my car seat properly fitted to my baby?
- Where do I go to make sure the car seat is properly installed?
Illness and Emergencies
- Where can I take Infant and child CPR and First Aid?
- What do I do in an emergency?
- What hospital do I go to in an emergency?
- What do I do if my baby becomes sick?
- What do I do if my baby has a fever?
- What do I do if my baby sneezes a lot?
- What do I do if there is any discharge from my baby's eyes?
- What should I do if my baby is fussy?
- What do I do if my baby has a rash?
Newborn Physical Exam
- Do you have any concerns about my baby's examination?
- What is my baby's head look misshapen?
- Can you tell if my baby's hearing is fine?
- How often do we visit the pediatrician?
- How can I help my older child or children adjust to their new sibling?
- What should I do if I become depressed?
- What support systems and services and organizations are available to new parents?
These are just some general questions, which you can add. One thing I say to new parents is that as their pediatrician I am only a phone call away. Your pediatrician and the other pediatricians in the practice are only a phone call away if you have any questions or concerns.
Expert: Dr. Gina Lamb – Amato MD
Gina is a general pediatrician and developmental pediatrician. She has a masters in child therapy and works with a child psychologist performing office and home consultation for newborns and parents, office and home developmental assessments, school consultations and parent child playgroups where play and art – along with baby massage and other techniques – are used to help parents bond and support their child's development. Formerly, Gina was the Director of Pediatric Special Medical Needs before she went into private practice where she cared for medically fragile infants and children. She is also an Early Intervention Pediatrician for Early Intervention which assesses and treats infants from age zero to 3 years. She has extensive experience in Early Head Start programs which work with infants from prenatal to 3 years of age.
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Stephen Chow News
U.S. Theater Listings for Stephen's Chow's Record-Breaking Comedy "The Mermaid"
11:04 AM 2/24/2016 by Senh Duong
A few weeks after Stephen Chow's "The Mermaid" had broken all sorts of box office records in China ($450M and still counting), its U.S. distributor Sony launched the film in 35 theaters over the weekend without any kind of marketing. They just kinda threw it out there.
Box Office: Stephen Chow's "The Mermaid" Scores Highest Per Theater Average in the U.S.
2:50 PM 2/22/2016 by Senh Duong
Stephen Chow's comedy "The Mermaid" opened in the U.S. in just 35 theaters over the weekend and packed them with a $1M opening, averaging a staggering $29,000 per theater -- the highest of all films currently in release. That's nearly twice that of "Deadpool's," the top-grossing film in the U.S.


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We're about to turn 15 … When I started chicken/egg back in 2004 I was predominantly supporting other agencies as a Pitch Doctor and helping them with their employee engagement. Fast forward four years and we'd evolved to become a stand-alone agency supporting clients with their marketing planning and design.
My business model was quite unique (bringing together collaboration through freelance/consultant teams) but fast forward again and it's becoming pretty mainstream and lots of agencies operate in this fluid and cost effective way. That actually makes me feel confident that I've created a strong business that can continue to grow.
I might be the Chief Chicken but my eggscellent (there had to be pun in this status!) coop of designers, writers, digital specialists, social & PR experts, videographers, photographers, developers have made chicken/egg the agency that I love running!
Thank you to all past, present (and future) clients who have entrusted your marketing budgets with us … cheers!


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I'm currently DM'ing a Curse of Strahd campaign for some friends. These posts will act as a journal of their progression, challenges, and victories.
Read the whole series of posts here.
After spending the whole night reading and not resting, Rolen was exhausted. The party ventured downstairs, and were attacked by six Vampire Spawn. The sun sword decimated them, it wasn't even a challenge. They were guarding three Amber Sarcophagi. Kasimir laid a hand upon one, then pulled it back saying it wasn't the right one. Then he touched another, and his skin shriveled giving him a corpse like appearance. He spoke saying he was fine, that he had taken the Dark Gift of Tenebrous, which would allow him to raise his sister from the dead. He wanted to travel to Ravenloft and find her corpse in the crypts, but Rolen insisted they keep exploring.
Unbeknownst to the party, he had investigated and taken on two dark gifts from the other two Sarcophagai – one was the secret to becoming a Vampire like Strahd, the other to becoming a Lich. His mind was on a very dark path…
They entered by chance a treasure vault, guarded by a Stone Golem. It was a difficult battle, but they eventually defeated it. In the vault was more treasure than they normally could have carried, but on the golem they found a Bag of Holding. They had more money than anyone in all of Barovia, and if they left enough gold to keep them living lavishly for life. Diesa wanted to leave, but Rolen insisted they explore a little further.
In an alcove they came upon three Barovian Witches. They were barely a bump in the road and defeated fast. They had been trying to guess the magic word to open a sealed door. Rolen tried a few words from his night of studying, and the door opened.
Inside was three flameskulls, who attacked immediately. Rend and Diesa fell unconscious in the battle, but Kasimir and Rolen managed to finish off the skulls. Rolen then knocked Kasimir unconscious.
Rend woke up to see Diesa's corpse on the ground, her throat torn open and blood licked from the floor. Standing over her, the creature that was once Rolen – his eyes glowing red, his mouth chin and clothes dripping with blood. "What have you done?" Rend implored. "Do you know how to become a vampire?" was the response, in a voice no longer Rolen's. Rend swung his weapon at him, and Rolen with a smile didn't even try to fight back. He was slain in a single blow. Rend went to behead him, but his body turned to mist and vanished into the ground – and with him the Holy Symbol. He roused Kasimiar, and they all agreed to leave – and to cash in one of their two remaining resurrections from The Abbot.
Kasimir wandered aloud about Rolen, and said that the only place he could really call his own in all of Ravenloft would be Old Bonegrinder, the windmill the party had the deeds too.
They travelled fast, not even stopping at Wizard of Wines but continuing straight to Krezek. As they approached the Abbey, they saw a funeral pyre out the front. The burning figure on it wearing a wedding dress – the flesh Golem. Inside, the Abbot was no longer trying to appear human. He was showing his full Deva form. The dining room was destroyed in a rage. He sadfully accepted that Strahd had corrupted him, that he no longer even remembered his God's name, and that he was trapped here. That he had no idea how to end the suffering Strahd had caused. That Strahd had found Van Richten, and taken Ireena for his own. He rejected his flesh golem bride, sending his minions to murder her. The Abbot had killed them in his rage.
He raised Diesa from the dead, who as with Ireena was shaken with what she had seen on the other side. It faded for her fast, like a dream, but the sense that being alive was a better option stayed with her. They told him what had happened to Rolen, and this made him more sad. He told them that if they were to defeat Strahd, they couldn't do it alone. He pulled from the wreckage the remains of a vampire spawn clad in paladin armour. He performed the same actions he used to raise Diesa, and the figure returned to life – but no longer as a Vampire Spawn, as a half elf. His name was Anton, and he was with a party of adventurers tricked into this land. But they fell, and Strahd had turned him into a Vampire Spawn. His memories of this time faded fast, but he was aware that he had done monstrous deeds for Strahd, and wanted nothing more than to slay him.
The Abbot said that this one was the one who had killed his creation. That they could stay the night, but in the morning he wanted them all gone.


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She loves to do the dance around him in the danger room. He lets the cards fly through his fingers, weaves through bullets and lasers, and takes on the grace of a predator.
His red eyes always glow like le diable blanc when she gets in and fights him.
Tumbles and contacts, flirts and teases, solid connections. The world shrinks to Gambit and Rogue, until one of them pins the other beneath their sweaty body. He smirks at her as indecently whether he's on top or bottom.
He likes it when she wins their fights.


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Can I recycle this?
Some days I feel more like a Google search engine than a human being. Friends, family, coworkers and classmates pester me with constant questions: "How do I wash this stain out of my shirt?" "Do you think my finger is broken?" "What is Shingles? How do I spell…" But the most common question I get asked across all groups is "Can I recycle this?"
I have to say, although I enjoy answering all of the questions, this one I never get tried of. Yes, it would be nice if people could remember that the cereal box they asked me about yesterday is the same concept for all cardboard boxes, but at the same time I happy that they are 1. thinking about recycling and 2. taking the time to figure out how to do it right.
It shocks me how little my roommates and coworkers in particular know about recycling. But it's not just them, across campus recycling is a struggle. Students don't understand what they can and cannot recycle, and more often than not students give up and simply put everything in the trash.
So here it is Santa Clara students (and most other people), your guide to recycling:
In Santa Clara and at SCU all recycling goes into one major bin to be sorted at a facility. This means you can lump all of your recyclables together and place them in the dumpster marked "recycling."
All plastics with 1-7 on them in the arrows are recyclable. You can usually find this symbol on the bottom of the item.
All glass, unless from a broken window or mirror, is recyclable.
All paper, colored or plain white, written on or drawn on, whatever it may be, is recyclable. This even includes old books that are too trashed to be donated and the school refuses to buy back from you.
All cardboard free of grease or wax can be recycled.
Aluminium and Tin:
Best if rinsed, just place it in the bin. This includes canned goods, soda cans, ect.
Don't's of recycling:
1. Do not put your recycling in a trash bag or a plastic bag and then place it in the bin. These bags cannot be recycled (if they have a number on them that signifies they are recyclable they are not actually recyclable at a regular recycling facility and you need to return them to the grocery store for proper recycling).
2. Pizza boxes cannot be recycled. They can be composted, but any cardboard with grease or wax on it cannot be recycled.
3. Water bottle lids cannot be recycled.
4. Just because it's made out of plastic doesn't mean it's recyclable. That plastic chair or plastic container cannot be recycled unless it has a number 1-7 inside the triangular arrows on it.
5. Toilet paper, tissues, dryer sheets, and paper towels are not recyclable. If you couldn't turn it in with your term paper on it, it's not the "paper" that can be recycled.
6. "Plastics" that are compostable or marked with "other" are not recyclable. They either need to be composted (if it is compostable and available near you) or put in the trash.
7. Your milk carton is compostable, not recyclable. Either compost or trash it, preferably compost of course.
Bonus for students:
In your trash areas outside your dorm (or any dorm if you live off campus and want to take advantage) there is a section for e-waste. You can leave any kind of electronic, printer toner/ink cartridge, batteries, ect. there to be responsibly recycled.
Now you too can answer "Can I recycle this?"


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Portarlington pick up the points at McCann Park over Ballyroan Abbey
After suffering a narrow loss to parish rivals O'Dempsey's the last day out, Portarlington got back on track with a win over Ballyroan Abbey in McCann Park, as they moved clear of the bottom two.
Portarlington 0-18
Ballyroan Abbey 1-11
Laois Shopping Centre ACFL Division 1A
The hosts started off strongly, with Jake Foster and Colin Slevin putting them into an early two point advantage. Ballyroan Abbey responded well though, as Laois U-20 captain Diarmuid Whelan knocked over two frees to level the teams.
Whelan's vice-captain was also playing, as Portarlinton's Colin Slevin picked out the run of wing-back Alex Mohan, and he shot went in off the post. Slevin then doubled their advantage, as he chose to put over when the goal opportunity came his way.
Ronan Coffey, who's one of five players who were playing tonight that are on the panel for Thursday's U-20's game, played a one-two with Jake Foster and kicked over with his left.
MJ Tierney hit back with a placed ball for Ballyroan Abbey, and Scott Conroy reduced arrears to one after a nice give and go with Tierney.
Coffey replied with a point off his right this time, and then Slevin curled over a lovely score to make it a three point game. Foster added two quick-fire points, with Ballyroan Abbey grabbing the final score of the half through Scott Conroy who was under pressure but hit the target anyway.
The half-time score read 0-9 to 0-5 in favour of Portarlington, but it could have been a lot more with the amount of possession they had.
The lively Foster brought Portarlington into double figures after the break, as he did well to get out in front and swing over. Ballyroan Abbey replied well though, as Enda McWey jinked left and right before taking his point well, and then MJ Tierney left three in it with a free.
Foster responded with a free down the other end, and the other Portarlington corner-forward scored another. Coffey played a good ball to Foster and he unselfishly gave it to Steven Lyons, and his high effort dropped just over.
Tierney fired over a deadly accurate long-range free to keep Ballyroan Abbey within four, but they didn't look like they had enough to get close enough to Portarlington.
Adam Ryan got on the score-sheet, as nice build-up play involving Colin Slevin and Jonathan Fulham resulted in the midfielder making it a five point contest again.
Diarmuid Whelan got his first from play, before Slevin replied for Portarlington. Enda McWey and Jonathan Fulham exchanged scores, before Cathal Bennet put Portarlington six up.
Ciaran Carroll and Slevin traded scores, before Ballyroan Abbey got a lifeline when Padraig McMahon hit the net. However, a Foster free sealed the win for Portarlington.
Scorers: Jake Foster 0-6 (0-2 frees), Colin Slevin 0-5, Ronan Coffey 0-2, Adam Ryan, Steven Lyons, Alex Mohan, Jonathan Fulham and Cathal Bennett 0-1 each.
Team: Jack Whelan; Jake Foster, Hayden Weldon, Conor McCarthy; Cathal Bennett, Jason Moore, Alex Mohan; Eoin McCann, Adam Ryan; Graham Weldon, Colin Slevin, Ronan Coffey; Jake Foster, Jonathan Fulham, Steven Lyons. Subs: Eoin Kennedy for D Foster (53 mins), Jordan Fitzpatrick for Fulham (53 mins), Sean Michael Corcoran for Weldon (53 mins), Hayden Weldon for Lyons (57 mins, inj).
Scorers: Padraig McMahon 1-0, MJ Tierney (frees) and Diarmuid Whelan (0-2 frees) 0-3 each, Enda McWey and Scott Conroy 0-2 each, Ciaran Carroll 0-1.
Team: Daire Phelan; Cian Moffitt, Gavin Tynan, Mark Cahill; Jamie Whelan, Ruairi Dunne, Aaron McEvoy; Shaun Murphy, Michael Brennan; Diarmuid Whelan, Scott Conroy, Ciaran Carroll; MJ Tierney, Padraig McMahon, Enda McWey. Subs: Cathal Doyle for M Brennan (43 mins), Dylan Cuddy for McEvoy (49 mins).
REFEREE: Joe Brennan (Crettyard)


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Getting a job with a stripper is not as difficult as you might think. Many exotic dancers mistakenly believe that candidates should be fair, handsome, and beautiful. The truth is that most adult entertainment venues are in desperate need of a variety of styles and it will be a pleasure to invite you to audition.
How To Begin
The first element of your job search is to determine the type of gentlemen's club in which you are comfortable too. There are several types of places; including only topless, nude, and bikini striptease clubs. If this is your first experience as a stripper, it's a good idea to find stylish locations without a contact policy. Your best bet is to search online and make a list of different clubs. Many women think they need to call the strip club to describe their looks and personality. I suggest doing nothing. Strip club managers tend to be very busy and have listened to everything.
Also, adult clubs receive many job applications every day. The worst thing to do is call the strip club and ask the owner to find a Miami Stripper Jobs. It's unprofessional and very dull. You should call and ask for the listening schedule and the type of clothing you need.
How To Prepare
As soon as you walk in the door to audition as a stripper, you are watched. There's a good chance a manager somewhere in the club can see you in front of a camera. Since you only have the first impression, do your best. You may smoke hot, but if you have a bad attitude, your chances are reduced. Traditionally, a receptionist works at the front door. Please approach her with a smile and tell her that you are here to audition as a dancer. Do not give an attitude or be rude in any way. You never know if she's dating a director or staff member and that strip clubs are known to be very malicious. It is also a good idea to bring your driver's license or driver's license because most clubs have an age requirement. Getting me a job as a stripper is completely different from the usual job search methods. They are not interested in your organizational skills or multitasking. Managers analyze the following characteristics: appearance, body, and attitude.
What To Wear
It doesn't matter if you try to become a stripper in a living room, bar, or club. I suggest finding a sexy knee dress. You want to make the manager understand that you are an elegant woman, beautiful and worthy of being an exotic dancer. It's always good to leave some mystery before showing the package as a whole. My best advice is to wear a pair of 3 to 4-inch heels. Anything bigger can cause an imbalance and an embarrassing fall on the stage. Since most strip clubs are poorly lit, wear a red, light blue or white dress for your stripper audition. Avoid neon colors or tight dresses. Another element that you will want to pay attention to is your hair and makeup. As it is not uncommon for strippers to earn several thousand dollars a night, it is important to invest your hearing. Take time to style or transform as needed. This involves paying attention to your nails. All of this may seem a little heavy; However; Marinating is a very competitive activity. Whatever you do, avoid cursing or talking about your business before the hearing. If you are hired, you will have plenty of time for gossip and drama.
The Audience
Most adult clubs will ask you to meet your mom at home and change clothes in the locker room. A housewife watches the strippers at the club, providing food, cosmetics and general help at night. The house mom will ask you to move and take the stage for the audition. At this point, a manager, usually unknown to you, will monitor you from a distance. Please do not ask D.J. to play your favorite song. The club seeks to know how you are in normal rotation and has no time to meet your unique needs. Most stripper auditions last one or two songs. Walk gracefully on stage and dance slowly. Do not jump and start rocking on the mast. The idea here is to be subtle, sensual, and sexy. When the house asks you, Mom slowly and gently removes your dress.
Be sure to smile and maintain eye contact with the manager or team member taking the test. Under no circumstances should I suggest stepping or crawling on stage. Strippers in the industry who dance this way are considered very unclassified and unprofessional. Once the audition is over, the housewife or manager will usually tell you if you have been hired as a stripper in your club. If they say they will contact you later, the club is probably not interested. Do not be discouraged. Take the opportunity to explore why you were not hired and make improvements. It is not because one strip club has hired him that another will not.
In such a difficult job market, many women consider exotic dancing as a way to earn extra money. Getting hired as a Miami Stripper Jobs is not that difficult if you do your homework.