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It’s not human to do this to your own child... monsters who killed my Sara should die in jail, says her heartbroken mumThe world of milk has changed drastically in the last few years. Talking about milk once boiled down to two things -– whether or not you drink it and what percentage of fat you prefer if you do. Now, that are likely to taste quite different from one another while also having unique nutritional impacts on your body. In this sea of dairy products comes organic milk. While many see the term as a one-size-fits-all definition, knowing what organic milk is and what it isn't is very important to consumers paying more for what they believe is a healthier alternative to standard milk. Organic milk is essentially milk that is gathered by grass-fed cows who haven't been tampered with via hormones or antibiotics which can affect the animal's physical growth and milk production. This means the organic distinction for milk is focused on the health and maintenance of the cow that produces it, rather than the pasteurization process that comes after the milk is acquired. However, because savvy branding is easy to misinterpret and the stipulations surrounding organic milk are easy to work around, not all organic milk is created equal. So, to make sure your milk is truly as healthy as the price tag leads you to believe, you might need to do a bit more digging. The difference between raw milk and organic milk For starters, one thing needs to be clarified — there is a massive difference between raw and organic milk. While organic milk is typically pasteurized in a similar way to standard cow's milk, . This means the milk is practically untouched on the way from the cow to the carton, and while this could be seen as a good thing to some, its downsides are plentiful. To start, raw milk is far more susceptible to harmful bacteria than its pasteurized alternatives. This makes sense, given that pasteurization was a major technological advancement in ensuring that milk is safe to drink. Furthermore, while people who drink raw milk swear by it as a healthy aspect of their lifestyles, many health advisors warn against it due to its lack of meaningful health benefits, relatively speaking. However, beyond that, the legal requirements to be deemed organic milk become a bit less clear. More specifically, while the ways in which cows are fed are often quite important to consumers in this conversation, that's not always the case when it comes to major organic milk manufacturers. How to know whether your milk is organic or not The most frustrating thing about organic milk is its lax rules when it comes to grass-fed cows. Many organic milk brands, especially ones that are legitimately sourced locally or provided by small businesses, comply with the rule that cows must be grass-fed and allowed to graze for their milk to be considered organic. Some companies, however, don't comply by feeding their cows things that consumers aren't expecting organic dairy cows to be eating. In fact, some organic dairy farms look concerningly similar to standard, non-organic dairy farms. So, how do you detect the difference between a legitimate organic milk brand and a faux-organic one? Well, it all comes down to the fine print and doing a little extra research — make sure you carefully examine that . Since legitimate organic milk is oftentimes locally sourced, you can look at the milk processing code, plug it into , and find out if the milk comes from a local provider. And then you have the , which is an organization that scores dairy companies on how organic their products are. Using both resources together could give you a good path forward if you are looking to buy truly organic milk. RecommendedTV9 Network's Whole Time Director – Editorial, Hemant Sharma, while addressing the summit on Friday said that German and Sanskrit are deeply connected to each other. Stuttgart: Hemant Sharma, Whole Time Director – Editorial, TV9 Network, addressed the TV9 Global Summit on the second day of the three-day event in Stuttgart, Germany. Several dignitaries including PM Narendra Modi addressed the summit and expressed their views. Speaking on the topic, ‘India -Germany: The Sanskrit Connect’, Sharma while pointing out the deep connection between Sanskrit and German said, “Literature, knowledge and Sanskrit deeply connect us with Germany. The first book we gave to the world was Ved. The person who spread across the globe was none other than Max Muller. Before this nobody translated the Ved. ” ‘Gramophone has an important role in Germany-India ties’ “You all know Swami Vivekananda. Even he was so impressed with Max Muller that he decided to meet him. After meeting hi, Swami Vevekanda said if anybody who undeerstood the value of Ved in Europe, that person is Max Muller. You just hear a program presented by Arpita Chatterjee on the gramophone. The instrument was invented by Thomas Edition in 19th century. The instrument is very deeply linked to ties between India and Germany. He made instruments through which people of the next generation could listen to voice of human beings,” Sharma added. He further said, “After inventing the instrument he contacted Max Muller and recorded his voice in disc of gramophone. Edison then decided to take the recorded voice of Max Muller’s voice to people. Max Muller had recorded some transcripts of Rigveda.” 14 German universities researching Sankrit: Hemant Sharma Talking further about ties between India and Germany, he observed that there are a number of similarities between Sanskrit and German. “As many as 14 universities in Germany are doing research on Sanskrit,” Sharma observed. “Not only is our existence because of Sanskrit, but it is our identity as well.” The event is being held at the iconic MHP Arena in Stuttgart. The event began with the address of TV9 MD and CEO Barun Das. A number of thinkers, policymakers, industry leaders, and others participated in the event to discuss the roadmap for sustainable development and mutual prosperity. Germany’s Baden-Württemberg state is backing the summit. Click for more latest India news . Also get top headlines and latest news from India and around the world at News9. Subhajit Sankar Dasgupta has nearly 18 years of experience. Currently, he is serving as Associate Editor with news9live.com, a part of Associated Broadcasting Company Pvt Ltd. He started his career with The Pioneer and went on to work in a number of media organisations, including IANS, Financial Express Online, The Political and Business Daily, among others. Apart from online media, he has also worked in print media. Among the beats he covers include politics, sports and infrastructure. He has a Master’s degree in Mass Communication from Guru Jambeshwar University. During his free time, he likes to read books and play table tennis.To say injuries have piled up for the New Orleans Saints offense in recent weeks would be an understatement. The Saints' top QB, top TE and top two WRs are all currently out of commission, and now their top RB can be added to the list. Still no Alvin Kamara (illness) during the portion of Thursday’s Saints practice that was open to media. Also didn’t see QB Derek Carr or LB D’Marco Jackson. Once again, Chris Olave watched from the side in street clothes as he remains on IR. Alvin Kamara has been unable to practice this week due to an illness, and his status for Sunday against the Washington Commanders is uncertain. Should Kamara miss the Week 15 matchup, he'll join Chris Olave, Rashid Shaheed, Taysom Hill and very likely Derek Carr on the sidelines. Shaheed and Hill are confirmed to be out for the season, while Olave and Carr are currently week-to-week . The Saints' offense this week may feature the type of lineup one would find in a preseason game, with Juwan Johnson, Marquez Valdes-Scantling and Cedrick Wilson, Jr. expected to be among the top targets for either Jake Haener or Spencer Rattler. If Kamara is out, Jamaal Williams and Kendre Miller are likely to share snaps in the backfield. Nevertheless, the Saints have been resilient this season despite the injury woes. They've won three of four games since Darren Rizzi became interim head coach, replacing Dennis Allen, and will now look to take an 8-5 Washington Commanders team -- likely featuring the team debut of former star Saints CB Marshon Lattimore -- by surprise. Should the Saints find a way to win this week, especially in the scenario that they are without Kamara, it may be Rizzi's best argument towards being elevated to the HC position full-time.
The story begins with a resolute woman’s quest to find her missing husband in China, leading her on a profound journey of truth, love, and perseverance as she faces the oppressive forces that shatter her family. The narrative takes viewers on a challenging journey in pursuit of truth and justice. Set in Toronto, the story transcends time and geography, weaving together multiple perspectives and interlaced timelines. Through its narrative, the film immerses the audience in the characters’ memories and realities, highlighting their struggles against the backdrop of both Canadian and Chinese settings. Delving deep into the lives of ordinary individuals and their families persecuted for their beliefs or speech, the film offers a moving and thought-provoking examination of their hardships. With its powerful social significance and emotional depth, “Where Are You” aims to resonate with audiences and inspire greater awareness and support for those fighting for freedom and human dignity. Yang said that this is more than just a story of searching for loved ones—it is a call for freedom and human dignity. The film seeks to shed light on voices often ignored, highlighting how standing up for truth and humanity is treated as a criminal act. Yang is known for “Claws of the Red Dragon” (2019), “Coming for You” (2019), “Eternal Fifty Minutes” (Coming for You 2) (2020), and “Once We Were Divine” (2023). His “Claws of the Red Dragon” was nominated for Best TV Movie at the 2020 Canadian Screen Awards. That film, also inspired by true events, delves into the arrest of “mega hi-tech Chinese heiress” and CFO Meng Wanzhou in Canada, which sparked a political firestorm involving the United States, China, and Canada.'Unabomber Manifesto' resurfaces in arrest of man suspected in United Healthcare CEO slaying
Their ages vary. But a conspicuous handful of filmmaking lions in winter, or let’s say late autumn, have given us new reasons to be grateful for their work over the decades — even for the work that didn’t quite work. Which, yes, sounds like ingratitude. But do we even want more conventional or better-behaved work from talents such as Francis Ford Coppola? Even if we’re talking about ? If Clint Eastwood’s gave audiences a less morally complicated courtroom drama, would that have mattered, given Warner Bros.’ butt-headed decision to plop it in less than three dozen movie theaters in the U.S.? Coppola is 85. Eastwood is 94. Paul Schrader, whose latest film “Oh, Canada” arrives this week and is well worth seeking out, is a mere 78. Based on the 2021 Russell Banks novel “Foregone,” “Oh, Canada” is the story of a documentary filmmaker, played by Richard Gere, being interviewed near the end of his cancer-shrouded final days. In the Montreal home he shares with his wife and creative partner, played by Uma Thurman, he consents to the interview by two former students of his. Gere’s character, Leonard Fife, has no little contempt for these two, whom he calls “Mr. and Mrs. Ken Burns of Canada” with subtle disdain. As we learn over the artful dodges and layers of past and present, events imagined and/or real, Fife treats the interview as a final confession from a guarded and deceptive soul. He’s also a hero to everyone in the room, famous for his anti-Vietnam war political activism, and for the Frederick Wiseman-like inflection of his own films’ interview techniques. The real-life filmmaker name-checked in “Oh, Canada” is documentarian Errol Morris, whose straight-to-the-lens framing of interview subjects was made possible by his Interrotron device. In Schrader’s adaptation, Fife doesn’t want the nominal director (Michael Imperioli, a nicely finessed embodiment of a second-rate talent with first-rate airs) in his eyeline. Rather, as he struggles with hazy, self-incriminating memories of affairs, marriages, one-offs with a friend’s wife and a tense, brief reunion with the son he never knew, Fife wants only his wife, Emma — his former Goddard College student — in this metaphoric confessional. Schrader and his editor Benjamin Rodriguez Jr. treat the memories as on-screen flashbacks spanning from 1968 to 2023. At times, Gere and Thurman appear as their decades-young selves, without any attempt to de-age them, digitally or otherwise. (Thank god, I kind of hate that stuff in any circumstance.) In other sequences from Fife’s past, Jacob Elordi portrays Fife, with sly and convincing behavioral details linking his performance to Gere’s persona. We hear frequent voiceovers spoken by Gere about having ruined his life by age 24, at least spiritually or morally. Banks’ novel is no less devoted to a dying man’s addled but ardent attempt to come clean and own up to what has terrified him the most in the mess and joy of living: Honesty. Love. Commitment. There are elements of “Oh, Canada” that soften Banks’ conception of Fife, from the parentage of Fife’s abandoned son to the specific qualities of Gere’s performance. It has been 44 years since Gere teamed with Schrader on “American Gigolo,” a movie made by a very different filmmaker with very different preoccupations of hetero male hollowness. It’s also clearly the same director at work, I think. And Gere remains a unique camera object, with a stunning mastery of filling a close-up with an unblinking stillness conveying feelings easier left behind. The musical score is pretty watery, and with Schrader you always get a few lines of tortured rhetoric interrupting the good stuff. In the end, “Oh, Canada” has an extraordinarily simple idea at its core: That of a man with a movie camera, most of his life, now on the other side of the lens. Not easy. “I can’t tell the truth unless that camera’s on!” he barks at one point. I don’t think the line from the novel made it into Schrader’s script, but it too sums up this lion-in-winter feeling of truth without triumphal Hollywood catharsis. The interview, Banks wrote, is one’s man’s “last chance to stop lying.” It’s also a “final prayer,” dramatized by the Calvinist-to-the-bone filmmaker who made sure to include that phrase in his latest devotion to final prayers and missions of redemption. No MPA rating (some language and sexual material) Running time: 1:34 How to watch: Opens in theaters Dec. 13, running 1in Chicago Dec. 13-19 at the Gene Siskel Film Center, 164 N. State St.;Mahayuti's Sweeping Victory in Maharashtra: A New Era of Development?
Atalanta goes from the Europa League trophy to the top of Serie A. Inter routs Verona 5-0WASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stay up-to-date on the latest in local and national government and political topics with our newsletter.
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The National Health Insurance Authority said health insurance coverage rose by 40 per cent within the year, growing from 16.7 million to 19.2 million enrollees in Nigeria. The agency said the achievement surpassed the presidential target for health insurance coverage in 2024. Speaking during the end-of-year briefing on Wednesday in Abuja, the Director-General of NHIA, Dr Kelechi Ohiri, noted that the agency plans an additional 20 per cent increase for 2025 while outlining the agency’s successes and roadmap to revolutionise healthcare delivery in Nigeria. “For nearly three decades, Nigeria’s health insurance coverage stagnated at just seven per cent, focusing primarily on formal sector employees while neglecting the vulnerable and informal sectors. “With the passage of the National Health Insurance Act 2022, we are committed to ensuring financial protection for all Nigerians, particularly the poor and vulnerable. “The health insurance coverage rose by 40 per cent within the year, growing from 16.7 million to 19.2 million enrollees,” he stated. This achievement, he said, was made possible through collaborative efforts with private insurers, State Health Insurance Agencies, and Health Maintenance Organisations. Related News FG targets 40% health insurance coverage by 2030 Prospective retirees get December verification deadline PenCom to automate application for pension certificates He acknowledged the challenges posed by Nigeria’s fragmented health insurance landscape, which includes 83 private insurers and 37 state health insurance agencies. He, however, emphasised the need to rebuild public trust, ensure regulatory compliance, and enhance awareness to encourage more Nigerians to enrol in health insurance programs. “Trust is key. Nigerians must be confident that they will receive the promised care when they are insured. “The NHIA has increased capitation rates by 60 per cent, and professional fees by 40 per cent to align with rising medical costs, while actuarial studies are being conducted to ensure premiums reflect industry best practices,” he said. He restated that the agency targets a 20 per cent increase in enrollment, leveraging state-of-the-art technology to streamline operations, with expanded access to comprehensive emergency obstetric and newborn care services in over 100 facilities nationwide, and collaborate with the National Pension Commission to provide health insurance for retirees. “Our vision is to create a system where every Nigerian has access to quality healthcare irrespective of socio-economic status. “We are not just building a scheme; we are building an authority that redefines healthcare delivery in Nigeria. Every reform we implement revolves around the patient’s needs,” he added.CyberArk IAM authentication FIDO2 certified
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IRVING, Texas (AP) — The NFL will consider expanding replay assist to include facemask penalties and other plays. Officials have missed several obvious facemask penalties this season, including two in a three-week span during Thursday night games. “When we see it, because I see it like yourselves and the fans, I have an opportunity to see it from a different angle and see it from a slow-mo,” NFL executive Troy Vincent said Wednesday at the league’s winter meetings. “When you think about the position of where the officials are, things are happening so fast. Sometimes the facemask can be the same color as the gloves. There’s a lot happening. Concerning? Yes, because that’s a big miss. That’s a big foul. That’s why we would like to consider putting that for the membership to consider putting that foul category that we can see, putting that (penalty flag) on the field to help. There is a frustration, and we believe that is one category we can potentially get right." Vikings quarterback Sam Darnold was grabbed by his facemask and brought down in the end zone to end Minnesota’s comeback attempt against the Rams on Oct. 24. But there was no call. On Oct. 3, officials missed a facemask on Buccaneers running back Bucky Irving while he ran for 7 yards late in the fourth quarter. Tampa Bay instead was called for holding on the play, got forced out of field-goal range and Kirk Cousins rallied the Falcons to an overtime victory. “That is one this year, the facemask seems like it was the obvious one” Vincent said. “That keeps showing up.” Vincent also cited hits on a defenseless player, tripping, the fair catch, an illegal batted ball, an illegal double-team block, illegal formations on kickoffs and taunting as other areas that warrant consideration for replay assist. Current rules only allow replay assist to help officials pick up a flag incorrectly thrown on the field, or in assisting proper enforcement of a foul called on the field. The NFL’s Competition Committee will review potential recommendations for owners to vote on for expanding replay assist. Vincent was emphatic about the league’s desire to eliminate low blocks that could lead to serious injuries. “The low block below the knee needs to be removed from the game,” Vincent said. “You look at high school, you look at college, too. Every block should be above the knee, but below the neck. All the work that we’ve done for the head and neck area, all the things that we’ve taken out of the game, this is the right time for us to remove the low block out of the game. Be consistent with high school. Be consistent with college. Every block should be above the knee and below the neck.” The league will consider changes to the onside kick after dramatically overhauling the kickoff rule on a one-year basis. “We need to look at that. That’s a dead play,” Vincent said of the onside kick’s low success rate. “That is a ceremonial play. Very low recovery rate. When we look at the kickoff and maybe where the touchback area should be during the offseason, we need to revisit the onside kick.” Options include giving the team an opportunity to run one play to gain a certain number of yards to keep possession. The Washington Commanders’ search for a new stadium site includes options in Maryland, Virginia and the District of Columbia, and work has escalated on one in particular. NFL Commissioner Roger Goodell and controlling owner Josh Harris met with lawmakers on Capitol Hill last week about the RFK Stadium site in Washington, which requires a bill getting through Congress to transfer the land to the District government before anything else can happen. “I think there’s a bipartisan support for this,” Goodell said, adding he’d like to see it get to a vote soon. “We hope that it will be addressed and approved so that it’s at least an alternative for the Commanders if we go forward. I grew up in Washington, and I know would be exciting for a lot of fans.” The NFL continues to discuss a potential 18-game season, but would need approval from the players’ union. “We are doing analysis I would say, but we are not finalizing any plans at this point,” Goodell said. “They’ll share that analysis with the players’ union, which would need to agree to any change.” AP Sports Writer Stephen Whyno contributed. AP NFL: https://apnews.com/hub/nfl
Frustrated by ever-changing algorithms and limited visibility, the creator landscape in 2025 will be fuelled by the 3 D’s: data, direct messaging and durable partnerships . This is according to Tom Zsomborgi, CBO at Kinsta . Zsomborgi, together with Erin Gagnon, general manager of affiliate marketing platform BrandCycle , have explained to Digital Journal their predictions about how creators and brands are expected navigate the next 12 months. Beginning with Gagnon, the expert says we need to look towards Telegram, stating: “We’re seeing a shift not just with mass media publishers, but also among influencers who are increasingly turning to direct messaging platforms like WhatsApp. Frustrated by algorithms that can delay or limit the visibility of their content, creators are seeking dedicated channels where their followers can reliably see everything they share.” As to where else things may head, Gagnon notes: “This trend is especially effective for influencers using affiliate models, as it allows them to perfectly time their messages and pair them with strong calls to action—whether promoting a flash sale, product launch, or special offer.” Affiliate partnerships will prioritize stable rates over commissions Zsomborgi daws his attention to affiliate partnerships, explaining: “Affiliate partnerships are evolving beyond commissions alone. High-value influencers now prefer a stable rate, regardless of sales numbers, emphasizing quality over quick conversions. This reflects a new standard in affiliate marketing where content creators focus on reputation and long-term brand alignment.” Creators will turn to data for competitive advantage With the patterns to be adopted by creators, Gagnon predicts: “Next year, we’ll see affiliate creators gain a competitive edge through access to detailed sales data, empowering them to better understand and serve their audiences. While campaigns and collaborations that align with creators’ personal brands will remain popular in 2025, those relying solely on brand partnerships or sponsored posts may lack access to the valuable and timely insights affiliate creators can tap into.” As to the consequences of such measures, Gagnon thinks:” This data-driven approach positions affiliate creators for greater success in refining strategies and optimizing earnings next year.” Brand Awareness > Direct Sales Boosting the brand becomes very more important, explains Zsomborgi: “With the rise of ad blockers and reduced data visibility, brand awareness is becoming essential for success in affiliate marketing across both B2C and B2B. While B2C brands can still leverage influencers to drive direct sales for impulse buyers, B2B will need to focus on brand building and long-term engagement. The shift away from direct sales tactics means that creating an unforgettable brand presence is now crucial to keep customers coming back.” Dr. Tim Sandle is Digital Journal's Editor-at-Large for science news.Tim specializes in science, technology, environmental, business, and health journalism. He is additionally a practising microbiologist; and an author. He is also interested in history, politics and current affairs."VyStar Credit Union Earns Top 3 Nationally on Computerworld's 2025 Best Places to Work in IT List"
WASHINGTON — The House passed a $895 billion measure Wednesday that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. The bill passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators wanted to increase defense spending about $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions in the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many nondefense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, proved effective at helping young people dealing with suicidal thoughts, anxiety and depression. "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights. To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans. “The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon. But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24% , and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024. “There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace. “If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again. “The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the Pentagon Under the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores. But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses. In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor. When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Most Menacing Loan Messengers Photo Credit: Olena Yakobchuk / Shutterstock The debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others. Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital. According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information. Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others. The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal. Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group. These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Loan Harassment Hotspots Photo Credit: Bumble Dee / Shutterstock Although widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members. The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military. The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period. The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members. Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Billionaire Bets on Bad Credit Photo Credit: PeopleImages.com - Yuri A / Shutterstock In 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA. Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond , is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members. In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to. Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. Lenders Try to Shutter CFPB Photo Credit: Cynthia Shirk / Shutterstock On May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau. In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional. That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election. If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate. In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Holidays, Interest Rates Not to Blame Photo Credit: Lux Blue / Shutterstock Seasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates. The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments. Debt Complaints by Service Members The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates. 30-Year Fixed Mortgage Rates Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021 . To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Methodology The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024. Readers can find the detailed research methodology underlying this news story in the accompanying section here . For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org . Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military. "This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis." At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero. Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows. Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment. These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan. Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Veterans struggle to find a path forward The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life. Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker. "It takes years for that kind of transition," Castro said. Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit. Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches . This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability. Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Vets with mental health issues most at risk for homelessness For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers. "It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families. Just under a quarter of adults experiencing homelessness have a severe mental illness , according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems. Veterans facing homelessness are more likely to have experienced trauma , either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness . Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation. Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps. That help, in the form of public policy, is slowly working to catch up to the need. In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services. Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'" Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stay up-to-date on the latest in local and national government and political topics with our newsletter.