LIFE
B4 • NORTHWEST PRESS • APRIL 18, 2012
Watch out for bill collectors
BAPTIST Wyoming Baptist Church
(A Church For All Seasons) Burns and Waverly Avenues Cincinnati OH 45215 821.8430
Steve Cummins, Senior Pastor Sunday School..............................9:00 am Coffee & Fellowship...................10:00 am Praise & Worship........................10:30 am www.wyomingbc.homestead.com Visitors Welcome!
CHRISTIAN CHURCH DISCIPLES Mt. Healthy Christian Church (Disciples of Christ)
7717 Harrison Ave Mt. Healthy, OH 45231 Rev. Michael Doerr, Pastor 513-521-6029 Sunday 9:00 a.m...... Contemporary Service 9:45a.m...... Sunday School 10:45 a.m........ Traditional Worship Nursery Staff Provided “A Caring Community of Faith” Welcomes You
EPISCOPAL Christ Church Glendale Episcopal Church 965 Forest Ave - 771-1544 christchurch1@fuse.net www.christchurchglendale.org The Reverend Roger L Foote 8am Holy Eucharist I 9am Holy Eucharist II 11am Holy Eucharist II Child Care 9-12
LUTHERAN Faith Lutheran LCMC
8265 Winton Rd., Finneytown www.faithcinci.org Pastor Robert Curry Contemporary Service 9am Traditional Service 11:00am
Sunday School 10:15
Trinity Lutheran Church (ELCA)
junk mail all the time,” Blanchard said. The bill collector ended up taking Howard Blanchard Ain to court HEY HOWARD! and got a default judgment against him – that’s when judgment is granted for the plaintiff when the defendant fails to show up for the hearing. Blanchard says he was simply never notified of the hearing so knew nothing about it. Court records show he never received notice he was being sued and should appear in court to defend himself. The debt collector obtained a judgment against Blanchard for more than $1,800 and then tried to garnish his wages. Blanchard had worked for several companies and it took all this time until the current employer was found and contacted. At one point, Blanchard says the debt collector tried to put a lien on his house, but that didn’t work because his house is owned by his father. Now, having found Blanchard’s current employer, the
1553 Kinney Ave, Mt. Healthy
Worship: 8:30 am traditional - 10:45 am contemporary Sunday School: 9:45 am Nursery provided
Pastor Todd A. Cutter
Trinity Lutheran Church, LCMS 5921 Springdale Rd
Rev. Milton Berner, Pastor
Worship & Sunday School 10:30 a.m, Bible Study 9:30 a.m. Sundays
Classic Service and Hymnbook
www.trinitylutherancincinnati.com
385-7024
UNITED METHODIST Christ, the Prince of Peace United Methodist Church 10507 “Old” Colerain Ave (513) 385-7883 Rev. Mark Reuter Sunday School 9:15am Worship 10:30am - Nursery Available www.cpopumc.org “Small enough to know you, Big enough to care”
Howard Ain answers consumer complaints on WKRCTV Local 12. Write to him at 12 WKRC-TV, 1906 Highland Ave., Cincinnati 45219.
UNITED METHODIST
EVANGELICAL PRESBYTERIAN
CHURCH OF THE SAVIOUR
EVANGELICAL COMMUNITY CHURCH
8005 Pfeiffer Rd. Montgomery 791-3142 www.cos-umc.org "The Risky Mission of Love: From Exclusion to Embrace"
Sunday School Hour (for all ages) 9:15 - 10:15am Worship Service - 10:30 to 11:45am (Childcare provided for infants/ toddlers) Pastor: Rich Lanning Church: 2191 Struble Rd Office: 2192 Springdale Rd
Traditional Worship 8:20am & 11:00am Contemporary Worship 9:40am Sunday School (All ages) 9:40 & 11am Nursery Care Provided
Dr. Cathy Johns, Senior Pastor Rev. Doug Johns, Senior Pastor
542-9025
Visitors Welcome www.eccfellowship.org
PRESBYTERIAN
Monfort Heights United Methodist Church
Spiritual Checkpoint ... Stop In For An Evaluation!
Corner of Compton and Perry Streets 513-931-5827 Sunday School 8:45 - 9:45am Traditional Worship 10:00 - 11:00am Contemporary Worship 11:30 - 12:30 Nursery Available. Handicapped Accessible. "Come as a guest. Leave as a friend".
Sharonville United Methodist
3751 Creek Rd.
2:00pm
DAVIDSON/THE COMMUNITY PRESS.
Pastor Robert Schnecker of the Chase Avenue Church of the Nazarene leads the 54th annual Easter Sunrise Service at Arlington Memorial Gardens. AMANDA
In the Easter morning chill, people huddled in blankets at the annual Easter Sunrise Service at Arlington Memorial Gardens in Springfield Township. AMANDA DAVIDSON/THE
DAVIDSON/THE COMMUNITY PRESS.
COMMUNITY PRESS.
Jacqueline Carr, of West Cincinnati Presbyterian Church, plays the keyboard as people arrive to Arlington Memorial Gardens on Easter. AMANDA
3:30pm
Northminster Presbyterian Church 703 Compton Rd., Finneytown 931-0243 Growing Faith, Sharing Hope, Showing Love Sunday Worship Schedule Traditional Services: 8:00 & 10:15am Contemporary Services: 9:00 & 11:30am Student Cafe: 10:15am Childcare Available Jeff Hosmer, Rich Jones & Nancy Ross- Zimmerman - Pastors
People braved the early morning chilly weather for Arlington Memorial Gardens’ 54th annual Easter Sunrise Service April 8. AMANDA DAVIDSON/THE COMMUNITY PRESS.
How’s the weather?
513-563-0117
NON-DENOMINATIONAL
gan at 7 a.m.. was led by Pastor Robert Schnecker of the Chase Avenue Church of the Nazarene. Jacqueline Carr of West Cincinnati Presbyterian Church, assisted with the the service by playing the keyboard . This service is held out of doors if at all possible and only move inside Lakeside Chapel in extreme weather. It was chilly this year, and a number of those in attendance brought blankets to ward off the cold.
Residents of the community had a variety of opportunities to celebrate the resurrection of Christ. On Easter Sunday, the Arlington Memorial Gardens celebrated with its 54th Easter Sunrise Service at Arlington Memorial Gardens on Compton Road in Springfield Township. Cemetery officials said the service generally lasts about 45 minutes long and is traditionally very-well attended; usually around 400 attend. The service, which be-
Taiwanese Ministry 769-0725
8:15 & 11amTraditional Service & Kingdom Kids 9:30am Adult & Children’s Sunday School 7:00pm Wednesday, Small Groups for all ages Infant care available for all services
www.sharonville-umc.org
EASTER SERVICES
Sun Worship 10:00am Childcare Provided 3755 Cornell Rd 563-6447 www.ChurchByTheWoods.org ............................................
Nursery Available * Sunday School 513-481-8699 * www. mhumc.org
Mt Healthy United Methodist Church
People gather inside of Arlington Memorial Gardens before day break to find a seat for the 54th annual Easter Sunrise Service. AMANDA DAVIDSON/THE COMMUNITY PRESS.
Church By The Woods
3682 West Fork Rd , west of North Bend Traditional Worship 8:30 & 11:00am Contemporary Worhip 9:44am
“Growing Closer to God, Growing Closer to Neighbor”
www. trinitymthealthy.org 513-522-3026
garnishment paperwork was sent there and Blanchard was notified. “This letter basically states, from a court document, that they’re going to garnish my wages. They’re going to take 25 percent of my income per paycheck,” Blanchard says. At this point it’s too late for Blanchard to fight the garnishment. Instead, he needs to get an attorney and fight the judgment against him from 2009. The first thing he needs to do is get a letter from the credit card company stating he never had a credit card and thus never owed it any money. If he wins the case in court, he’ll get back all his money – and can get reimbursed for his attorney fees and court costs. The bottom line, if you get a letter saying, “This is an attempt to collect a debt,” don’t throw it away. If you believe you don’t owe the debt, tell that to the bill collector – in writing – within 30 days. If the bill collector still insists you owe the money, consult an attorney.
Northwest Community Church 8735 Cheviot Rd, by Colerain HS Rev. Kevin Murphy, Pastor 513-385-8973 Worship and Sunday School 10AM Handicap Accessible/Nursery Available
Salem White Oak Presbyterian (Office) 946 Hempstead Dr. (513) 807-7200 Jody Burgin, Pastor www.bretwoodcommunitychurch.com We meet Sundays at 10:30 am 8916 Fontainebleau Ter. Performing Arts Ctr. - Finneytown High School Childcare provided
Let’s Do Life Together
HIGHVIEW CHRISTIAN CHURCH “Life on Purpose in Community” 2651 Adams Rd. (near Pippin) Worship Assembly-Sunday 10:45am Phone 825-9553 www.highviewchristianchurch.com
UNITED CHURCH OF CHRIST FLEMING ROAD United Church of Christ 691 Fleming Rd 522-2780 Rev Pat McKinney
Sunday School - All Ages - 9:15am Sunday Worship - 10:30am
Cincinnati.com/weather
Nursery Provided
St. Paul United Church of Christ 5312 Old Blue Rock Rd., off Springdale
Phone: 385-9077 Rev. Michelle Torigian Sunday Worship: 10:30am Sunday School: 9:15am Nursery Available/Handicap Access www.stpaulucccolerain.org www.facebook.com/StPaulUCC
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During these tough economic times, debt collectors are targeting consumers in droves. But in some cases federal officials are finding the consumers don’t owe anything at all. However, unless you’re careful, you could end up paying anyway. Gerald Blanchard of Amelia says he was shocked when he got a letter saying his paycheck was being garnished to pay a debt. He recalls getting a letter from a debt collector more than two years ago. “The letter stated that I had a debt that I owed to them, to a company called Tribute MasterCard, for $1,800. I’ve never had a credit card through this company, period,” Blanchard says. Blanchard says the bill collector failed to send him convincing proof he owed that debt, so he called the alleged creditor. “I called Tribute MasterCard Company and the Tribute MasterCard Company said, ‘Gerald Blanchard you have no credit card through our company. You’ve never had a credit card through our company’ … I threw the stuff away because I thought, ‘It’s a scam.’ I get
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