Uniform Borrower Assistance Form: Fill & Download for Free

I was hired to work overnights at a grocery store. My previous position had been the overnight manager of a different store. I made a point to learn all the various tasks I could. I didn’t expect, or really desire, to become Manager any time soon, but did figure there would be some sort of Supervisor position, which was unofficial but known.The manager when I started had been with the company for a long time, was well liked, but not particularly professional, let’s call him Bob for this telling. The assistant manager, whom I’ll refer to as Karen, had been shuffled from position to position of various department trying to get rid of her, until she ended up on nights. She was lazy, rude, and generally unplesant to be around.Couple months in, Karen got one of her friends to come up and walk up behind Bob while he was chatting with some of the crew. Bob, chatting with his friends, did not watch his language. Karen’s friend made a big stink about Bob using inappropriate language in front of a customer. Bob was demoted to a regular member of the crew, no longer a manger… though he still did most of the manager work.Upper management was told plainly, if they make Karen manager, the whole crew will walk out. So they tried to compromise. Karen and I would be ‘co-assistant managers’. We’ll both manage the team, and if there’s any disagreements, we’ll have to work them out together.Okay, we disagree on how something should be done. Karen refuses to compromise. Upper management tells me to work it out.Fine, we’ll try Karen’s way. It fails, costing the company hundreds of dollars. Can we try my way now? Upper management says ‘You can’t always get your way, you need to learn to compromise.’Karen gets a new managers uniform. Can I get a manger’s uniform? ‘No, the crew knows who I am, a uniform isn’t needed.’Karen gets a set of manager’s keys to unlock the side doors, one of the job requirements. Can I get a set of keys? ‘No, you can borrow from one of the other departments on Karen’s nights off.’ Shouldn’t there be two sets of keys? ‘Well yes, but Karen lost the second set back when she was Assistant with Bob.’Where are the forms to do a official Write Up? ‘If someone is a discipline problem, you as manager need to take care of it.’ Yes, policy is a verbal warning, a write up, and then a meeting with upper management. I need the forms in order to do a write up, so that I can follow policy. ‘Oh, Karen can do the formal write ups.’ Karen is the one who needs written up.A few months in, and the store is a mess. Karen has made sure nothing can get done without her, and very little done with her. Upper management for some reason continues to support her. Corporate has noticed something is wrong, and tells Upper Management to fix it. So Upper management calls -me- into the office. I present my stack of notes on what I tried to do to fix things, and how Karen countered every effort. ‘Well if Karen was a problem there would be paperwork on it.’ Here’s a copy of my letter asking for paperwork. And the second later a week later. And the one after that. ‘Well you’re obviously not cut out to be a manager. We’ll drop you down to regular crew, bring in a new manager, make Bob Assistant, and move Karen to yet another new department.’So, Upper Management made Karen the overnight cashier, where she’s managed to drive off most of the overnight customers. Bob has stopped caring about his job and just goes thru the motions, the new manager has no clue what he’s doing, and Corporate is, according to rumor, getting fed up with Upper Management. I’m back on regular crew, with a semi-decent raise from my time as co-assistant, content to watch all the long term fallout.

This should never happen.The question provides no detail. So this answer assumes that “no money” really means “no money” and no insurance policy and that the judgment debtor is completely uncollectible, which is not uncommon. Perhaps the judgment debtor lives under a bridge.In the future, don’t sue people dependent exclusively on pensions, social security or public assistance; members of organized crime; the homeless (or “couchsurfing”); scam, fraud or bunco artists; the guy on the street who does the “three-card” trick; people who transact business solely in cash or stack cash in their closet; the guitarist on the street with an open case who plays bad songs, people now or recently in bankruptcy or have filed bankruptcy more than once; people who have recently been thrown out of their homes or had cars repo’ed; people who live in areas you would not feel safe traveling to; people who borrow and mooch and freeload constantly; or others who never have money. These people are all immune from suit. The law doesn’t say that. But you can’t hurt any of them financially or collect if you sue them and prevail. None of these people have attachable assets, and you can’t possibly prove that they do. Your lawyer should know this (as should you).If the now-judgment debtor had money to pay you at the outset (or within a specified time before your claim arose) but gave it away or hid it, or in any way made it more difficult to collect, you may have a claim against your judgment debtor (and whomever was the recipient of the wealth) under the Uniform Voidable Transactions Act, a form of which is enacted in all 50 states. There is a rough equivalent in the Bankruptcy Code. The UVTA is complex so get, and be prepared to pay for, legal talent.As a preventative, if someone has ever filed bankruptcy or been seriously insolvent—which is easy to look up (including money judgments, evictions, repossessions, foreclosures, or tax, student loan or child support delinquencies)—I would not rely on them financially, i.e., enter into a partnership with them involving money or property, or extend them more credit than I could afford to write off. Too risky. There are exceedingly rare exceptions of financially responsible people running into hard times, but 99.5% of the time, the problem is overspending and a sense of entitlement about stiffing creditors. The Bible teaches that forgiveness should be given in seven years. Maybe “forgiveness” but not credit, or trust.

Per cent age of people in Europe who could read in the year 1800 varied from 35% to 90% depending upon the country. In 1900 the corresponding figures were 47% and 93% respectively. In England, the figure for men was 60% and for women 40%. The same figures stood at near about 98% in the year 1900. Compare these figures with the world average of 10 and 20%. This increase in public literacy and the reduction in in gender inequality in education were consequent to the momentous invention of printing press by Johannes Gutenberg in 1440 which flooded Europe with printed materials. This in turn gave rise to modern societies, the democratic and industrial societies, which are characterized by science, technological progress, freedom and tolerance.Most of Western Europe achieved mass literacy (reading+writing) due to the leadership provided by parents, local communities, the church and some influential figures. They were the ones who largely provided the necessary driving forces for most of the educational developments. In only the late 19th century, regular and extended school attendance became a central part of the educational process for British children. Around 1900, Western Europe was divided between a literate, economically developed and largely Protestant north, a center with pronounced regional variations, notably, France, and a less literate, undeveloped south, notably Italy. Of those inhabitants over 7 years of age in 1890, 24% were literate and in 1900, it became 26%.In the 19th century, there was a mass reading public in Europe (mass literacy). There was substantial increase in the number of readers of newspapers and cheap novels.In Britain, male literacy was about 70% in 1850 and 55% for females. The German Reich was 88% literate in 1871. There were considerable variations between town and country, and the capital cities and the rest of country. By 1890's, 90% readership had almost been uniformly achieved and the old discrepancy between men and women had almost disappeared. This was the golden age of the books in the West. Books became the unchallenged media for communication.This expansion of the reading public was accompanied by the spread of primary education . Primary education became effectively free, general and compulsory in England and France after 1880's when those countries were already almost completely literate. Reduction in working hours enabled working classes to become part of reading public.Reading novels became a status symbol in the first quarter of 19th century. By 1840's novels were produced in editions of 5000 copies and in 1870's in 30,000 copies. The mass production of cheap popular fiction integrated new readers into national reading publics. With these developments, publishing became professional activity. The French public read Marx's Das Kapital published in 1872. There were the penny novels whose readership included 'the young lady classes'. The new readers of 19th century were a source of profit for publishers but also a source of anxiety and unease for social elites.Female readership increased and by 1900, the gap between men and women eliminated. Catholic church encouraged females to read but not to write. 19th century witnessed the growth of a thinking female magazine industry and the blue-stocking. Women made literary contribution in France. These new women readers of 19th century acquired more secular tastes and began reading cookery books, magazines and the cheap popular novel. Journals were launched to promote feminist causes. La Fronde was entirely produced by women in 1897. Weekly magazines costing 10 centimes and sold at street kiosks became integral part of mass urban culture. For contemporary publishers, women readers became consumers of novels.The child-sector of readership opened in 19th century. Robinson Crusoe enjoyed a global popularity and was produced in various versions adapted to the needs of children of different ages. Children's literature flourished as an industry and the specific needs of child-readers were recognized. Children stories had exotic settings to capture the young imagination and had happy, moral endings. New forms of children's literature came into existence like fantasy, magic, fairy-tales. The brothers Grimm gave Germany a unique folk culture and a national theatre. They were hailed as the inventors of national literary monuments.The new readers of 19th century included the lower-middle classes, aspiring artisans and the white-collar workers who swelled the clientele of lending libraries everywhere. This led to decentralized public library systems. There was a fast development of public libraries in Britain, result of dense urbanization and administrative decentralization.Gradual reduction in the working hours allowed greater opportunities for reading among the working classes in England, Germany. Readers favoured works of instruction over moral literature.In 1882, novels were the most borrowed categories of books from municipal libraries and music the least borrowed. During the period 1885-1894, clerks, office-workers, and shop assistants used public libraries the most in Paris.However, oral reading persisted. Peasantry was partly integrated into the 19th century European reading public. Street literature was born. There were middle-class oral reading circles. Relationship between reader/listener and the printed word began to disappear in 19th century. Silent reading gained ground.In the 19th century (1800-1900), the reading public of Europe (the Western World) achieved mass literacy.