Tag: satire

From Hell’s Heart, I Stab at Thee…Fed Loan Servicing.

Khan I would like to claim I knew that line was from Moby Dick…but I just knew it from Star Trek: The Wrath of Khan. But, in my defense, The Wrath of Khan was way better than Moby Dick.

But that’s beside the point. My current source of wrath is my law school student loans.

It could be that they are more than six figures.

It could be that I’m paying over 7% interest on them. (Thanks, Government! We love your commitment to higher learning! Even though my student loan interest rate is nearly double my mortgage interest rate, you assholes.)

But, truly, the current source of my fury is the Morlocks working for Fed Loan Servicing.

So, here’s the thing.

I signed up for automatic withdrawal for my student loans (so I could save that *amazing* 1/4% interest rate!). They say “keep making your payments – it could take a couple of months for this to get set up. We’ll let you know.” Total lies. They do NOT let you know.

Consequently, I made my NINE HUNDRED AND THIRTY-FIVE DOLLAR student loan payment on MAY 29. But guess what?? They set up my automatic withdrawal (without telling me!) and so on JUNE 4 (6 DAYS LATER), they took ANOTHER $935. Seriously. Six days later. Oopsie. Bastards.

So, I called. They said “Sorry.” Then they said, “How about we credit this toward July?” Grrr, but ok.

Then I got a notice from Fed Loan Servicing saying, “Your next automatic withdrawal will be July 4.” What? You’re supposed to skip a month.

So I called. They said “Sorry.” Then they said, “No really; we really have it set NOT to take another $935 for July.” Okay. Dubious, but I’ll take the leap of faith.

Then I got a bill saying, “No automatic withdrawal this month so be sure to make your payment!” No. It can’t be. How many Fed Loan Servicing agents does it take to screw up one correction? Turns out, one more than I had talked to.

So I checked my online account.

DELINQUENT.

Rage. White-hot, blinding, whiskey-drinking, rage. I shit you not. They never bothered to apply that extra payment forward – they just suspended the automatic payment for a month.

So I called. They said “Sorry.”

I said, “From Hell’s heart, I stab at thee; for hate’s sake, I spit my last breath at thee!” Okay. Not really. But I did tell him they were making me crazy. In a very sarcastic, hopefully day-ruining, tone of voice.

P.S.

In case I stumped you on the “Morlocks” thing – I direct you to a photo of the night-dwelling, cannibalistic Morlocks from the 1960 classic, “The Time Machine.” Morlocks And now your life is complete.

The Fairy Tale Law Firm – Warning: This Warning May Cause Cancer.

the fairy tale law firm

Long, long ago in a far-away, entirely fictional kingdom called California, there was a lord called ShortSightedLawmakers. This lord really liked to hear himself talk so he summoned his barrister – assuming she’d enjoy listening to him talk about stupid crap as well – and went for an inspection of his kingdom.

Lord ShortSightedLawmakers stopped in many storefronts as he passed through the villages.

“Lady Barrister,” he said, “I am very concerned by some of the compounds being used by the shopkeepers.”

“Such as what, My Lord?”

“Well, the tannery uses tannin.”

“Yes, I believe it is necessary to their work.”

“But I believe it causes cancer. People have a right to know when they are exposing themselves to such dangerous chemicals. I think they should be required to post such a warning.” (I know. This is sounding vaguely familiar.)

“Well, My Lord, I suppose I understand your concern, but how would it be enforced? Our law enforcement officials are overburdened as it is. I’m not sure we could expect them to police tanneries as well – simply to see if they are displaying proper signage.”

“Not just tanneries,” he bellowed. “Any vendor that utilizes frog’s legs! Or aspirin! Or lye!”

“My Lord, are you certain all of those cause cancer?”

“No!” But I’m not certain they don’t! And salt! I don’t think that’s good for you, either! And vinegar! Because I don’t like the smell. And there is something sinister about tea leaves!” And the Lord rambled on and on, naming chemicals he felt were vaguely threatening in some way.

The barrister sighed. “Again, My Lord, I do not see how we can put enforcement of such a law on the shoulders of our law enforcement officials.”

“Then we’ll let the people enforce it!” (Perfect. What could possibly go wrong?)

Lady Barrister’s mouth hung open a moment. “But, My Lord, doesn’t it seem that there are greedy, unscrupulous, self-serving, sleazy individuals that would exploit such a law to the detriment of poor business-owners who do not realize they are violating the law?”

“Nonsense. It will work.”

So the law was passed. And money-grubbing barristers all over the kingdom learned how to exploit the law, finding plaintiffs they could sue on behalf of and bringing lawsuits against business-owners who had no notion that they had done anything wrong. And they sued their pants off –  despite the fact that the “plaintiffs” in those cases had never been harmed by any chemical found at the business. And those “plaintiffs” and barristers made mountains and mountains of gold and business-owners were afraid and so started posting signs in every store stating that they *might* use chemicals that *might* cause cancer, simply to avoid being prey to such a lawsuit.

And all of the people Lord ShortSightedLawmakers intended to protect with his warnings, found the signs, which were now freaking everywhere, utterly useless because (a) they were EVERYWHERE (like I said), and (b) they didn’t know what the chemicals were, how much they were exposed to, or whether they even were actually harmful! Add to this the fact that the lord’s list, which initially had a few chemicals on it when he started, ended up with HUNDREDS of chemicals on it.

So, there are two morals to this story. The first, life causes cancer. Seriously. (Okay, to better illustrate – when you roast coffee beans, a side effect of the roasting process creates acrylamide – all on its own! Not man-made. Just by roasting those little bad boys. And acrylamide is on the list. Consequently, every friggin coffee company YOU know has been sued. So, next time you go into Starbucks, enjoy your warning sign. I’m sure you all stopped drinking coffee as soon as you saw that oh-so-important sign informing you that your coffee may cause cancer (if you drink 37 cups a day, 7 days a week for the next 18 years).)

Oops. Forgot I was at the “Fairy Tale Law Firm.”

Okay, second moral to this story: please, for the love of all that is holy, read laws BEFORE you vote for them. You need to consider more than whether a law would be “a good idea.” Does it have an enforcement vehicle that actually works? Because bounty hunter clauses are making asshole plaintiffs and asshole attorneys into millionaires. And I doubt that was part of what you thought was “a good idea” when you marked your ballot.

Okay. I’m off my soap box. Sorry about that. And not to make this post overly educational, but here is a link to the California Attorney General’s record of Prop 65 lawsuits for 2013 – in case you thought I was exaggerating. 73% of all amounts recovered under these lawsuits went to the attorneys! I’d like to take a moment to thank those attorneys for furthering the stereotype that lawyers are basically bottom-feeding scumbags 🙂  Thanks, guys!

By the way. WARNING: This blog may contain chemicals known to the kingdom of California to cause cancer or other reproductive harm.

The Fairy Tale Law Firm (or The Not Even Remotely True Stories of How I Spent My Day).

the fairy tale law firm

So my dentist asked me yesterday to tell him about some cases I was working on…just whatever I could say without giving away too much. It was trickier than I thought because I’ve become so sickeningly cautious. My solution? I’m going to make shit up. Here is my very first installment of “The Fairy Tale Law Firm.” (Don’t steal that. Seriously. I’ll find you.)

Once upon a time, there was a glorious Kingdom called Can’tWeAllJustGetAlong. The beloved queen who ruled the land arose early one morning to the sound of birds singing. She went down to the courtyard and greeted her subjects. Then she climbed onto her gleaming white horse to go for a ride along the countryside. The drawbridge was lowered and the queen rode across it.

Once outside of the castle, the queen was approached by the king of the neighboring kingdom, We’reAllAssholes. The queen sighed. She dreaded interactions with the nasty little king, but she smiled kindly anyway.

“Queen EvenNicerThanJenniferAniston! Every time thouest lower thy drawbridge, it rests upon part of my kingdom! If thouest persist in opening thy drawbridge onto my land, I shall have my squires hack it to pieces!”

The queen was quite distraught and called for her barrister. “Lady Barrister, King MyMotherDidn’tHugMeEnough hast threatened to destroy our drawbridge, claiming that it lowers onto his kingdom. Why would he say such a thing?”

“Because he is a dick, Milady. But have no fear. We shall summon a squire who is wise in matters of land boundaries (and actually understands all that metes and bounds bullshit in property descriptions).”

The wise squire appeared and, after much investigation, reported to the queen that her drawbridge did not encroach on King MyMotherDidn’tHugMeEnough’s kingdom, but that his drawbridge actually lowered onto land within the boundary of Can’tWeAllJustGetAlong. (Karma’s a bitch, right?)

Queen EvenNicerThanJenniferAniston informed the king of the squire’s findings.

After much shouting, tantrum-throwing and name-calling, King MyMotherDidn’tHugMeEnough said, “it matters naught! My drawbridge has lowered onto that spot for 100 years! No one can make me move it!”

“But I would be within my rights to remove any portion which encroaches upon my kingdom, is that not true, Lady Barrister?”

“Aye, Milady.” (Note: this is a fairy tale. Generally all forms of self-help are discouraged by law enforcement and courts of law. Consult an attorney before cutting up your neighbor’s drawbridge.)

The queen then said to the king, “however, Milord, I have no intention of stooping to such measures and, if you and your subjects can try to stop being such assholes, I will consent to your drawbridge encroaching on our land.”
The king’s face turned red, he stomped his feet and said, “never! We’ll never stop being assholes!”

The queen sighed, smiled and said, “don’t piss me off or I’ll sue your ass.”

THE END