LA 11.12.20 4C

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Los Angeles

Volume 35 Number 52

Serving Los Angeles County for Over 35 Years

Observer Group Newspapers of Southern California

Biden and Harris Defeat Trump To Change History

President-elect Joe Biden and Vice President-elect Kamala Harris take the stage at the Chase Center to address the nation November 07, 2020 in Wilmington, Delaware. (Photo: Andrew Harnik-Pool/Getty Images)

By Lauren Victoria Burke NNPA Newswire Correspondent After days of counting in Georgia, Pennsylvania, Nevada and Arizona, President Obama’s former Vice

President, Joe Biden, and California Senator, Kamala Harris, won the 2020 race for the White House. News of their victory sparked spontaneous celebrations around the country. In Washington, DC, Philadelphia,

New York and Atlanta people took to the streets on foot and in cars in celebration with Biden flags and signs. Times Square filled with a crowd unseen in months since the COVID-19 pandemic began in March. In Washington, DC, cars honked horns driving up and down Connecticut Avenue and around the White House. A large crowd assembled at Black Lives Matter Plaza on 16th Street as close to Lafayette Park as they could get near The White House. Streets around The White House were fenced off creating a large perimeter around the streets that would allow people to get clear video and still photos of the building. The level of celebration in several cities was reminiscent of the revelry seen after a sports team wins a championship. Bottles of champagne were opened on the street and music played loudly. Relief after four years of Donald Trump’s decision making and endless controversies, tensions and policy decisions were clearly on display in public. The backdrop, 235,000 Americans dead as the result of the coronavirus pandemic, was not lost on the man who will be sworn in as the 46th President of the United States. In his first speech after being elected, President-elect Biden said he would, “marshal the forces of decency, the forces of fairness, the forces of science, the forces of hope” and promised his first job would be tackling the coronavirus epidemic. “Our work begins with getting COVID under control,” Biden told thousands of people in Wilmington, Delaware. On November 9, Biden will formally announce a task force to confront the COVID-19 crisis. “In an election of record-breaking turnout, the American people have made clear who we are and who we aspire to be. Difficult times are ahead, but I have no doubt President-Elect Biden and Vice President-Elect Harris have what it takes to help us build back better. I look forward to working with them to tackle the challenges ahead, from defeating the pandemic to addressing the racial and economic inequality that continues to grip our nation,” wrote Rep. Marcia Fudge (D-OH) after Biden was declared the winner. Trump is unlikely to admit the loss and concede. In the end, on January 20, 2010 at noon, the federal government and all executive power will be in hands of Barack Obama’s former Vice President and now the new President of the United States, Joe Biden.

COVID-19 Worsens Debt Collector Harassment New CFPB Rule Leaves Room for State Actions By Charlene Crowell Senior Fellow with the Center for Responsible Lending

As the final days of the 2020 election season drew to a

neighborhoods than in mostly white areas. Nearly a year ago, Urban Institute research found that debt collection disproportionately affects 42% of communities of color. By contrast, the national average of all consumers was lower in

“By reforming their exemption laws, states will not only protect families from destitution but will promote economic recovery by enabling families to spend their money in state and local communities,” said Carolyn Carter, NCLC deputy director and author of the report. (Photo: iStockphoto / NNPA)

close, major media across the nation focused on polls and prospects for the presidential candidates. At the same time, scant news coverage reported on a development affecting 68 million consumers: debt collection regulation. On October 30, the Consumer Financial Protection Bureau (CFPB) released its 653- page regulatory revision for enforcement of the Fair Debt Collection Practices Act (FDCPA), originally enacted in 1977. Since that time, the debt collection industry has grown into a multi-billion industry with over 8,000 firms throughout the country. For Black America, debt collection was troublesome even before the COVID-19 pandemic. One investigation revealed that in three major cities – Chicago, Newark, and St. Louis – the rate of judgments for debt collection lawsuits was twice as high in mostly Black

double-digits at 31%, and a wider racial gap among whites at 26%. The largest portion of debt for communities of color are medical services and student loans. Given the decades of discriminatory policies and practices that perpetuated the nation’s racial wealth gap, these disparities extend to a lack of access to health care as well as a greater dependence on debt to finance higher education. For-profit colleges and institutions are among the latest and most visible financial predators. In addition, the CFPB’s own 2017 survey found that 44% of borrowers of color reported having been contacted about a debt, compared to 29% of white respondents. Even when accounting for differences in income, communities of color are disproportionately sued by debt collectors. In

fact, 45% of borrowers living in communities of color faced litigation, while only 27% of similarly situated consumers in white areas were sued. CFPB’s revised rule will allow debt collectors to contact affected consumers up to seven times within seven days – or – within seven consecutive days of a prior telephone conversation about a debt. It is important to note that this allowed communication is for each debt owed. Multiple numbers and types of debt collection can legally multiply the number of allowed contacts and result in harassment for already struggling borrowers. Secondly, debt collectors who opt to contact consumers by electronic media, must also offer consumers a “reasonable and simple method” to opt out of these communications that include social media, emails and text messages. Commenting on the new rule, CFPB’s Director, Kathleen Kraninger, said, “Our rule applies these protections to modern technologies. …And our rule will allow consumers, if they prefer, to limit the ability of debt collectors to communicate with them through these newer communications methods.” But for the 233 consumer, civil rights and legal advocates who filed public comments on the proposed rule, the announcement sent mixed messages for what it proposed as well as what it delayed. “The devil is in the details, and we will have to scour this complicated rule to make sure that it does not open up new fronts for debt collectors’ pervasive and abusive treatment of consumers,” said Christine Hines, legislative director at National Association of Consumer Advocates. “Through the guise of modernization, the debt collection rule could open the gate for collectors to aggravate vulnerable consumers with even more harassment and a flood of electronic communications.” Although the October 30 announcement does address the emerging modes of communications, it also delayed action on three specific areas of concern in debt collection. Guidelines on “zombie” debt, the term used to describe debts that outlived statutory limitations for collection, are expected to be announced this December. Similarly, debt collectors’ practices of leaving messages with third parties or on postcards was not addressed, nor was negative information on consumers’ credit reports. “As we face a dire and worsening economic crisis, we will be keeping a close eye on the ‘zombie debt’ rule, coming in December, which could leave consumers more vulnerable to deception and harassment,” said Linda Jun, senior policy counsel at Americans for Financial Reform Education Fund. “Collectors should not be allowed to bring expired debt back to life by luring people into making Continued on page A2

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Thursday, November 12, 2020

Kamala Harris Books Surge in Popularity

Books by and about Kamala Harris proved to be a popular purchase following the election. The vice president-elect was the subject or author of four books on Amazon’s top 10 Sunday. They included her own children’s book “Superheroes Are Everywhere,” her memoir “The Truths We Hold: An American Journey,” a children’s book by her niece Meena Harris called “Kamala and Maya’s Big Idea” and Nikki Grimes’ illustrated “Kamala Harris: Rooted in Justice.” Harris made history as the first Black woman to become vice president. The California senator, who is also the first person of South Asian descent elected to the vice presidency, will become the highest-ranking woman ever to serve in government. President-elect Joe Biden also got a spot on the charts just outside of the top 10. Dr. Jill Biden’s children’s book “Joey: The Story of Joe Biden” landed in 14th place.

Family Sues Over Student’s Slave Assignment A Tennessee family has filed a lawsuit against Metro Nashville Public Schools and a teacher over an elementary school assignment about slavery. The assignment at Waverly Belmont Elementary in Nashville was called “Let’s Make a Slave.” The Tennessean reports it was given to a fourth grade class in February and focused on a historical speech to white Virginia colonists about how to control their slaves. The family claims that the “wild graphic and inappropriate” content caused physical and emotional harm to their child, who has autism. The lawsuit was filed Tuesday in federal court. It claims the speech contains “the most dehumanizing, vile, and racist prose imaginable.” The child, who is Black, is referred to as John Doe in the court filing. The suit alleges the child suffered repeated acts of racial harassment by adults and peers. It alleges the teacher and the school district knew about the harassment and the “racially hostile educational environment” but were indifferent to the circumstances. The assignment asked students to read the speech, listen to the instructions contained in the speech and even pretend to be actual slaves by “folding themselves under their desks and pretending to seek freedom from slavery,” according to the lawsuit. Metro Schools on Thursday declined to comment further on the pending litigation. The assignment led to community outrage earlier this year, including calls from community and city leaders asking for stronger oversight and policies for the district.

Man Guilty of Threatening Officials & Police

Ebon Ellis, 26, pleaded guilty last month to three counts of felony intimidation.

EVANSVILLE, Ind. (AP) – A man who helped organize rallies in southwestern Indiana during a nationwide reckoning on racial injustice will be sentenced this week after pleading guilty to threatening the lives of city officials and police officers. Ebon Ellis, 26, is set for sentencing Friday in a Vanderburgh County court after he pleaded guilty last month to three counts of felony intimidation, the Evansville Courier & Press reported. Ellis was arrested on July 8 after he made the threats in live videos posted on Facebook. Police said he made threats against Evansville Mayor Lloyd Winnecke, City Council President Alex Burton, Police Chief Billy Bolin and Officer Phil Smith. “This is what’s going to happen one by one,” Davis said in one video the Evansville Police Department provided to news outlets in which he pretended that his hand was a gun, pulled the trigger and made gunshot noises. Before his July arrest, Ellis helped organize an anti-violence rally in Evansville at the end of May, followed by a protest a couple weeks later over the dress code at several local bars. Those protests followed the police killings of Black people, including George Floyd in Minneapolis police custody, that sparked a nationwide reckoning on racial injustice.


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