Posts by Michelle Williams6

Here is an interesting article.

Lawrence Cruz said:They weren't ready—plain and simple. The legislation had been in development for months, yet the actual instructions didn't land until the final week of the year, right before everything went live on January 1st. FIN had to find a way to make this work, and technically, they did—if you only count what looks good on paper. Three months down the road, the technical side was nonexistent. The staff at FIN were completely overwhelmed by a massive wave of garnishments that hit all at once; it was physically impossible to process them all given the constant stream of new ones arriving daily. As for the banks, the directive was straightforward: stop handling these matters yourselves. Instead, creditors contact FIN directly, and the banks are expected to freeze accounts based on our orders—even though they’re still trying to follow court or attorney mandates, which—let's face it—is already a mess.
Honestly, nothing new here. It’s just like everything else in America—another policy on paper with zero actual support behind it. We’re completely unprepared.

That’s exactly why I’m asking—is this actually unconstitutional? And if it is, why hasn't anyone stepped up to do anything about it yet? Has nobody filed an appeal or even thought about bringing a lawsuit?

I agree—but this just opens up a whole can of worms regarding all the other messy issues we face here in America. It also brings up the question of why someone wouldn't just pay what they owe in the first place to avoid reaching the point of legal garnishment. That said, most of these collections cases end up being over simple cell phone bills.

I didn't quite catch what you were getting at there—seriously.

Me neither. 😁 Smart—let me break this down for you. 😍

If it’s possible to set up a recurring transfer through a standing order—essentially automating a portion of my funds—why can't the bank just follow a previous arrangement to automatically withhold, say, two-thirds of my paycheck? It seems like such a straightforward way to handle things.

A standing order is set up by the account holder to cover specific bills or loan payments—either for a fixed amount or a variable one where the recipient sends the monthly total directly to the bank. Essentially, you can't set up a standing order ahead of time just to pre-emptively cover a garnishment that hasn't even happened yet. It simply isn't possible.

Here is that nonsense I was mentioning earlier—it’s just ridiculous. A guy gets his time wasted and ends up being sent on a wild goose chase, all without any kind of heads-up.
And who else can I turn to for a complaint about this—besides the press?

The bottom line is this: 😁 pay your bills on time 🙂

Regarding the payout for protected income.
Anyone receiving these payments MUST contact the FIN to request a specialized account for protected funds—these accounts can't be frozen (and they won't be), so you have full access to withdraw your money whenever you need to.

Under federal law, garnishment is limited to one-third of disposable income unless the debtor consents to more. Now... how does that work for low earners, and what is the best way to protect those remaining two-thirds from seizure?...
Under American law, an employer can technically pay an employee in cash, provided all taxes and withholdings are properly reported... I wonder why those with frozen accounts don't simply ask their employers—especially at smaller firms where everyone knows one another—to handle things that way. Unless a court order dictates otherwise, they could theoretically protect a portion of their earnings... The FIN can easily process the necessary adjustments. In the end, everyone gets paid, and the individual still has enough to live on...

I don't quite grasp the opposition to the currency clause state. Ultimately, people took out loans in a specific currency. It stands to reason they should repay them in that same currency. We all had the option to borrow in US Dollars back then, but it didn't suit us because the interest rates were too high. So, we opted for foreign currency instead. It's simple logic... You borrow Swiss Francs, you pay back Swiss Francs. You borrow US Dollars, you pay back US Dollars.
On the other hand, this is actually an ideal window to take out a loan. Why? It’s fine when people anticipate a likely devaluation. The issue arises when they don't see it coming and max out their credit based on current rates. Right now, one should calculate using an exchange rate of 8.5; leverage that capacity to grab these cheaper installments while the rate is closer to 7.4. That way, even if a devaluation hits, you're prepared.
The worse move is to wait a year or two doing nothing, only to be hit by devaluation and find yourself stuck with much higher monthly payments from the start. Because of inflation and devaluation, the cost of whatever you're financing won't stay the same in US Dollars.

Terry Johnson3 said:Huh, this is the exact opposite of what I’ve gathered. I’d actually love to see that comment you're talking about—I didn't notice it before, and I can't find it now. Honestly, it feels like you're making it up. Maybe "spitting on them" is too harsh, but you’re definitely being superficial here. You find one single flaw—and for the record, I never claimed Techno was perfect—but instead of critiquing the software itself, you attack the distribution and turn it into this massive issue. I personally know a case where a local repair shop in my city was selling Techno as if they developed it themselves, just to pocket a huge margin. That isn't a failure of the programming team; it's a distribution problem, and those are two completely separate departments. You can't even blame the Head of Distribution if they weren't aware of it. It only came to light once the customer ran into trouble and tracked down the actual company on their own. Even after that, the client stayed with the distributor, just with a different field technician, because the original guys couldn't even handle a basic setup.
So, you’re judging these programs based on whether they hide their company names—even though they aren't exactly keeping them under wraps. You brought up examples where people go out of their way to mask who they are, like VTI hiding suppliers or IvanP masking his own firm. But look at IvanP. You can find everything through a quick DM. Now I know exactly who they are, how many employees they have, when they launched, and I even scored a demo. Sure, it would be better if all that info was public from the jump (I'm with you there), but I don't see it as a dealbreaker. To me, this is just a minor annoyance, not a massive issue. Don't make a mountain out of a molehill.

I’m not saying that’s exactly how it is, but that’s the vibe. Honestly... How do you see it? Are you actually impressed with the access, or...? Do you really think paid databases are inherently better? And do you honestly believe the database is always responsible for how well a program functions?

I can only say that you aren't making any effort to actually get to know who you're talking to. If you did, you wouldn't be asking these kinds of questions. We already agreed on these topics recently, so I have no idea where this sudden doubt is coming from. It's just superficiality, plain and simple.

I was simply checking to see if our views were still aligned... your previous post didn't come across this way, but fine...

Look... you still haven't answered the question. You're just saying whatever suits you.
Anyway, I'm done with this.

Terry Johnson3 said:If you're acting like a child, then yeah, that's you. If it's so funny, why don't you just download their reference list and start calling them? Look, Dubo actually got in touch with them and tested things out. He says they’re polite (I guess even ghosts can be polite), but his verdict was that switching isn't worth the cost. The reason they don't blast their client data all over their website has everything to do with those "numerous" references. A certain percentage of them—maybe 10-20%, who knows—are free users. Imagine if all of them started blowing up your phone; how many helpdesk operators would you need to hire just to deal with free users?
That's already explained here, and it's on their site too, but apparently, you missed it. I honestly don't get how their customers find their phone number or bank details. You probably just get an offer and an invoice that, surprisingly enough, includes the account info, phone number, and distributor name.
I don't know why you're attacking Techno. It's obvious I'm getting under your skin because I mention them so often. So instead, go after me, but try to find some smarter, more reasoned criticism for them.
I'm not their lawyer, and I don't work in their marketing or helpdesk departments (Dubo just asked me to explain a few things, so I pointed him straight to them).
Besides, I mention other programs too, but we're discussing the lower price bracket here, where I recommend Techno. As for Synapse, I gave a very objective opinion (which was actually quite positive; even Dubo praised me for being objective). But hey, if you think Synapse is better, fine. You clearly know what free databases are and you aren't exactly thrilled with Access (at least that's what your consistently superficial comments suggest), so this makes no sense to me. But when it comes to trashing someone, logic doesn't matter to you.
Anyway, you're one of those people who's great at venting but terrible at actually helping anyone.

Your response is slightly misguided, given that the page displays phone numbers. Essentially, free users can reach out from 0 to 24...😁Downloading a program doesn't necessarily make you a user...

Terry Johnson3 said:If you're acting like a child, then yeah, that's you. If it's so funny, why don't you just download their reference list and start calling them? Look, Dubo actually got in touch with them and tested things out. He says they’re polite (I guess even ghosts can be polite), but his verdict was that switching isn't worth the cost. The reason they don't blast their client data all over their website has everything to do with those "numerous" references. A certain percentage of them—maybe 10-20%, who knows—are free users. Imagine if all of them started blowing up your phone; how many helpdesk operators would you need to hire just to deal with free users?
That's already explained here, and it's on their site too, but apparently, you missed it. I honestly don't get how their customers find their phone number or bank details. You probably just get an offer and an invoice that, surprisingly enough, includes the account info, phone number, and distributor name.
I don't know why you're attacking Techno. It's obvious I'm getting under your skin because I mention them so often. So instead, go after me, but try to find some smarter, more reasoned criticism for them.
I'm not their lawyer, and I don't work in their marketing or helpdesk departments (Dubo just asked me to explain a few things, so I pointed him straight to them).
Besides, I mention other programs too, but we're discussing the lower price bracket here, where I recommend Techno. As for Synapse, I gave a very objective opinion (which was actually quite positive; even Dubo praised me for being objective). But hey, if you think Synapse is better, fine. You clearly know what free databases are and you aren't exactly thrilled with Access (at least that's what your consistently superficial comments suggest), so this makes no sense to me. But when it comes to trashing someone, logic doesn't matter to you.
Anyway, you're one of those people who's great at venting but terrible at actually helping anyone.

Accessing the data isn't the issue... It's the lack of transparency.

Terry Johnson3 Asks:
I have no idea why you started attacking Techtronic... It seems I am getting under your skin... I find myself mentioning them quite often. Go ahead and tear into me... just try to find some smarter, more reasoned critiques for them...

You're right...👍 Find me that one post where I tore into Techtronic. Don't skip over that comment...

Terry Johnson3 said:If you're acting like a child, then yeah, that's you. If it's so funny, why don't you just download their reference list and start calling them? Look, Dubo actually got in touch with them and tested things out. He says they’re polite (I guess even ghosts can be polite), but his verdict was that switching isn't worth the cost. The reason they don't blast their client data all over their website has everything to do with those "numerous" references. A certain percentage of them—maybe 10-20%, who knows—are free users. Imagine if all of them started blowing up your phone; how many helpdesk operators would you need to hire just to deal with free users?
That's already explained here, and it's on their site too, but apparently, you missed it. I honestly don't get how their customers find their phone number or bank details. You probably just get an offer and an invoice that, surprisingly enough, includes the account info, phone number, and distributor name.
I don't know why you're attacking Techno. It's obvious I'm getting under your skin because I mention them so often. So instead, go after me, but try to find some smarter, more reasoned criticism for them.
I'm not their lawyer, and I don't work in their marketing or helpdesk departments (Dubo just asked me to explain a few things, so I pointed him straight to them).
Besides, I mention other programs too, but we're discussing the lower price bracket here, where I recommend Techno. As for Synapse, I gave a very objective opinion (which was actually quite positive; even Dubo praised me for being objective). But hey, if you think Synapse is better, fine. You clearly know what free databases are and you aren't exactly thrilled with Access (at least that's what your consistently superficial comments suggest), so this makes no sense to me. But when it comes to trashing someone, logic doesn't matter to you.
Anyway, you're one of those people who's great at venting but terrible at actually helping anyone.

I haven't even written that down anywhere...😁 I was merely suggesting that it’s highly unlikely Techtronic is superior in every single category compared to Synapse. As someone else pointed out earlier... Synapse is perfectly adequate for a small bookstore, but once you deal with heavy inventory, it falters. Though, that’s an old story and hardly worth revisiting. You get what you pay for. Furthermore, I wasn't particularly impressed by the feedback from the user who tested Techtronic here. If anything, it felt like a budget program attempting to do too much while delivering very little. It seemed they tried to cover too much ground, resulting in a surface-level experience. Very few background processes... that was my impression. If it was just me, then perhaps it was someone else as well. I'm not stating it as fact, just how it felt. Whatever...

Terry Johnson3 said:If you're acting like a child, then yeah, that's you. If it's so funny, why don't you just download their reference list and start calling them? Look, Dubo actually got in touch with them and tested things out. He says they’re polite (I guess even ghosts can be polite), but his verdict was that switching isn't worth the cost. The reason they don't blast their client data all over their website has everything to do with those "numerous" references. A certain percentage of them—maybe 10-20%, who knows—are free users. Imagine if all of them started blowing up your phone; how many helpdesk operators would you need to hire just to deal with free users?
That's already explained here, and it's on their site too, but apparently, you missed it. I honestly don't get how their customers find their phone number or bank details. You probably just get an offer and an invoice that, surprisingly enough, includes the account info, phone number, and distributor name.
I don't know why you're attacking Techno. It's obvious I'm getting under your skin because I mention them so often. So instead, go after me, but try to find some smarter, more reasoned criticism for them.
I'm not their lawyer, and I don't work in their marketing or helpdesk departments (Dubo just asked me to explain a few things, so I pointed him straight to them).
Besides, I mention other programs too, but we're discussing the lower price bracket here, where I recommend Techno. As for Synapse, I gave a very objective opinion (which was actually quite positive; even Dubo praised me for being objective). But hey, if you think Synapse is better, fine. You clearly know what free databases are and you aren't exactly thrilled with Access (at least that's what your consistently superficial comments suggest), so this makes no sense to me. But when it comes to trashing someone, logic doesn't matter to you.
Anyway, you're one of those people who's great at venting but terrible at actually helping anyone.

How do you see it? Are you actually impressed with Access, or...? Do you truly believe that relational databases are inherently superior? Is the database always to blame for a program's lack of functionality...

Terry Johnson3 said:If you're acting like a child, then yeah, that's you. If it's so funny, why don't you just download their reference list and start calling them? Look, Dubo actually got in touch with them and tested things out. He says they’re polite (I guess even ghosts can be polite), but his verdict was that switching isn't worth the cost. The reason they don't blast their client data all over their website has everything to do with those "numerous" references. A certain percentage of them—maybe 10-20%, who knows—are free users. Imagine if all of them started blowing up your phone; how many helpdesk operators would you need to hire just to deal with free users?
That's already explained here, and it's on their site too, but apparently, you missed it. I honestly don't get how their customers find their phone number or bank details. You probably just get an offer and an invoice that, surprisingly enough, includes the account info, phone number, and distributor name.
I don't know why you're attacking Techno. It's obvious I'm getting under your skin because I mention them so often. So instead, go after me, but try to find some smarter, more reasoned criticism for them.
I'm not their lawyer, and I don't work in their marketing or helpdesk departments (Dubo just asked me to explain a few things, so I pointed him straight to them).
Besides, I mention other programs too, but we're discussing the lower price bracket here, where I recommend Techno. As for Synapse, I gave a very objective opinion (which was actually quite positive; even Dubo praised me for being objective). But hey, if you think Synapse is better, fine. You clearly know what free databases are and you aren't exactly thrilled with Access (at least that's what your consistently superficial comments suggest), so this makes no sense to me. But when it comes to trashing someone, logic doesn't matter to you.
Anyway, you're one of those people who's great at venting but terrible at actually helping anyone.

And you still haven't provided the company name...😁 .

As I previously stated, I have no intention of attacking Techtronic. It isn't my goal. This individual is working hard, just like anyone else, trying to make a mark in the market—though, frankly, they’ve already made it with 25,000 references. I never claimed the software was subpar; my issue is the lack of corporate transparency... I suspect even US regulations might take issue with it. The justification you offered doesn't hold much water. Honestly, how many people actually work at that firm? Is it more than one? Just asking... purely out of curiosity... since we are all here advertising...😁

Fair enough... you're entitled to your standards. No one is stopping you from seeking out a role that meets those specific requirements. Naturally, that will dictate your compensation, and everyone ends up satisfied. Besides, there will always be plenty of openings for those who aren't looking for such things... and they are out there...

If it's Hypo and Wells Fargo... who cares. Let it be.
Actually, nothing will change, except some poor employee will end up paying out of pocket. They won't sue, but what about that sign at the teller window that says "Count your cash now; we don't accept claims later"?

urbanpilot said:But we set up the installment plan specifically because the banker advised us to—to avoid exactly this kind of mess.
Honestly, it doesn't matter. This bank has plenty of other issues too.

Take their little "one-year loan" deal, for example. You aren't required to make monthly payments; you just have to pay the full amount by the end of the year.
Then, if your paycheck hits your account a day late one month, they suddenly decide your "loan" is canceled and demand you come in to renegotiate the entire payout immediately.

I have a loan with them and I know one thing... regardless of the bank, if you follow their rules, you're fine. If you slip up, there are sanctions. Doesn't matter if it's a mortgage from JPMorgan Chase or any other big player; the only difference is the approach and how educated the staff is. Even Chase isn't much better.
If I had known that requesting my own credit statements (balances and payment schedules) would cost me $33 (for two sheets of paper), I never would have taken out a loan there. You can't get basic info—like remaining balance, payoff costs, or simple printouts—in one place. You try, and they just say, "I don't know, I don't do that," and send you to a dozen different windows...

Regarding this specific case. Here is how it works...
The bank opens an account where the debtor deposits funds. It doesn't matter when you pay or how many installments you've covered; on the agreed date (likely the final one), the bank pulls the contracted amount based on that day's exchange rate. If you prepaid an installment, that money sits in the account (depending on the exchange rate variance). If you don't pay by the deadline, the bank takes the money and moves on. Since the woman at the window was untrained and just "doing her job"—even though she clearly didn't understand her role—she explained a standard procedure. And that procedure is... if the funds aren't paid in time, the system automatically generates a debt against the debtor. Nothing personal, the system handles it all. That's why banks can be so rigid. If she had just said, "The information system will automatically charge interest if the funds aren't there, and there's nothing I can do," it would have been easier to accept. Especially if she mentioned the interest would only be a few cents... but since in your case it was an extra installment waiting in the account, that didn't happen. She didn't know, but her colleague at the desk did...

Anyway, I don't think I'll ever take anything from Wells Fargo again...

Just go with whichever one is cheapest. If you end up in an accident and try to sue for damages, this detail won't matter anyway...