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We Get (MORE) Letters

first_img Community News Opinion & Columnists We Get (MORE) Letters Published on Thursday, March 5, 2020 | 8:19 pm HerbeautyNutritional Strategies To Ease AnxietyHerbeautyHerbeautyHerbeauty12 Female Fashion Trends That Guys Can’t StandHerbeautyHerbeautyHerbeauty10 Secrets That Eastern Women Swear By To Stay Young LongerHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeautyThese Lipsticks Are Designed To Make Your Teeth Appear Whiter!HerbeautyHerbeauty First Heatwave Expected Next Week EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Subscribe Name (required)  Mail (required) (not be published)  Website  Your email address will not be published. Required fields are marked * Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Got something to say, email Managing Editor André Coleman, at [email protected] More Cool Stuff faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyCitizen Service CenterPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Make a comment Business News Community News Comments from the readersCharter School ChatterMarch 2, 2020Via E-mail to Dr. Brian McDonald, Superintendent Members of the Board of Education Pasadena Unified School District 351 S. Hudson Ave. Pasadena, CA 91109Re: Response to Concerns About Melkonian High SchoolDear Dr. McDonald, Board President Cahalan, and Members of the Board of Education:Thank you for the opportunity last Thursday evening for Melkonian High School (“MHS”) and its supporters to participate in the public hearing to share about our great passion and need for a dependent charter school in Pasadena Unified School District (“PUSD” or the “District”). As evident at the Board meeting, students, parents, and other community members are greatly interested in seeing MHS established as a dependent charter school under the guidance and partnership with PUSD to serve our community with MHS’s unique Armenian dual-language enrollment program.There were several comments and/or questions raised during the Board meeting regarding MHS. This letter seeks to address the concerns and clarify any misunderstandings surrounding our proposed charter petition, and to reiterate MHS’s strong commitment to work with PUSD staff to resolve any outstanding concerns or questions about our charter, so that we can prepare to open our doors to students this coming fall.1. Alternative Programs Would Not Meet the Needs of Families Interested in MHSThere were several comments, both by members of the public and members of the Board, which suggested that the District should consider alternate means to address MHS’s desire for an Armenian dual-language enrollment program, possibly by creating new programs within existing PUSD schools.However, these comments fail to take into consideration one of the most important aspects of opening MHS, which is to allow students who currently reside outside of PUSD and/ or attend private schools the opportunity to enroll at a public charter school within PUSD. Charter schools must admit all students who wish to attend, unless they receive more applications than there are spaces, in which case, the charter schools must hold a public random drawing to determine admission. Admission to charter schools are not determined according to the place of residence of the student or the student’s parent/guardian within the state. Thus, MHS would allow more flexibility for students who reside outside of PUSD to attend. However, creating new programs within existing PUSD schools would require these same students to seek inter-district transfers in order to attend an existing PUSD school.2. MHS Would Not Deprive Other PUSD Schools, But Would Benefit PUSD By Increasing Enrollment in PUSD and Rallying Community Support and EngagementThere were some concerns that the creation of a dependent charter school in PUSD would deprive or negatively impact existing PUSD schools, which have been affected by several school closures in the District.As fellow students, parents, and community members, the MHS community empathizes with PUSD students, families, staff, and Board members who are still coping with the sadness and difficulty of the recent school closures in the District. MHS also sees the great potential for change and growth in PUSD. MHS can play an important role through its unique and innovative charter school model which will be a positive contribution to the strength and stability of PUSD.Also, as shared during the public hearing, MHS would bring students who would otherwise attend private schools or public schools in other districts to attend a dependent charter school in PUSD. These new students would increase the District’s ADA, which would financially contribute to PUSD.As evidenced by the large turnout at the Board meeting, there is great excitement and support for MHS in the local Armenian-American community. Local families and business are interested in fundraising to support MHS and its programs. Thus, as supported by the budget documents submitted with our charter, MHS expects to be fiscally sound beginning in year 1 of operations, and would not be a burden to the District nor deprive existing District schools of its resources. MHS believes that our new charter school can help to rally greater community support and engagement in PUSD.3. MHS is Committed to Collaborating with PUSD Staff and Unions to Create a Mutually Agreeable Dependent Charter SchoolThere was some concern and questions raised regarding MHS’s desire to be authorized as a “dependent” charter school within PUSD. As shared at the Board meeting, MHS engaged in conversations with the District Superintendent, which is where MHS learned of the possibility of a dependent charter school model and began to recognize the mutual benefits of becoming a dependent charter school in PUSD.MHS recognizes that a dependent charter school requires a lot of collaboration and input from the various parties involved. Thus, MHS has engaged with District staff and reached out toBoard members in efforts to collaborate with PUSD to ensure that MHS can be established with the mutual support and agreement of all parties involved and impacted.During these planning stages, PUSD staff did not appear to be willing to commit yet to specific aspects of how MHS would be operated. Thus, MHS submitted a proposed charter petition with the intent that the formal submission of MHS’s petition could fuel more intentional conversations and decision-making between PUSD and MHS, to ultimately open MHS as a new dependent charter school in PUSD with the full support of all those involved.* * *Please do not hesitate to contact us at [email protected] with any questions regarding our charter petition. We thank you for your consideration of the MHS charter petition, and we look forward to continuing to work with PUSD staff to ensure that any outstanding questions or concerns are fully resolved.Sincerely,Arsine Shirvanian Maro Yacoubian President of MGO Co-Founder of MHS Visionary Founder of MHS 17 recommendedShareShareTweetSharePin it Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Top of the News last_img read more

Supreme Court: Secondary Markets Not Subject to FDCPA Regulations

first_img in Daily Dose, Featured, Foreclosure, Government, Headlines, News, Secondary Market  Print This Post About Author: Joey Pizzolato Servicers Navigate the Post-Pandemic World 2 days ago June 12, 2017 5,551 Views Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Tagged with: Delinquency Gorsuch Originations Secondary Market Supreme Court Home / Daily Dose / Supreme Court: Secondary Markets Not Subject to FDCPA Regulations The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days agocenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Supreme Court: Secondary Markets Not Subject to FDCPA Regulations Previous: Estimated $17 Billion April Credit Gain Only $8.2 Billion Next: Subprime Mortgages Moving From Rearview Data Provider Black Knight to Acquire Top of Mind 2 days ago Delinquency Gorsuch Originations Secondary Market Supreme Court 2017-06-12 Joey Pizzolato Joey Pizzolato is the Online Editor of DS News and MReport. He is a graduate of Spalding University, where he holds a holds an MFA in Writing as well as DePaul University, where he received a B.A. in English. His fiction and nonfiction have been published in a variety of print and online journals and magazines. To contact Pizzolato, email [email protected] A recent unanimous Supreme Court decision on Monday could have vast implications for the mortgage and loan industry, particularly the secondary market, unless the Fair Debt Collection Practices Act (FDCPA) is amended by Congress.In the case Henson et al. v. Santander Consumer USA Inc., the petitioners claimed that Santander, who had bought a number of defaulted car loans from CitiFinancial Auto, had to abide by the rules and regulations set out by the FDCPA as debt collectors, not loan originators who were trying to collect a debt for themselves. The petitioners brought their case in front of the Supreme Court in an appeal of the 4th Circuit Court ruling that, ultimately, the Act defines debt collectors as a person or entity that “regularly seek[s] to collect debts ‘owed … to another.’” The court found that, since Santander was seeking to collect the debt they themselves were owed, they were not collecting on behalf of another person or entity. The petitioners continued this same line of semantic argument in front of the Supreme Court. The word “owed” they said, is a past participle of the verb “to owe,” which would encompass the attempted collection of any debt previously owed to another. The Supreme Court, however, thought this to be too much a stretch. They are of the opinion that Congress has, in the past, been very specific as to their definitions, and that while they may not have envisioned a time when the secondary market would be such a large industry, that still did not change the fact it was not within the purview of the court to extend the reach of the a law. In the report, Justice Neil Gorsuch writes, “And while it is of course our job to apply faithfully the law Congress has written, it is never our job to rewrite a constitutionally valid statutory text under the banner of speculation about what Congress might have done had it faced a question that, one everyone’s account, it never faced.” So what does this mean for the mortgage industry? Any entity, bank, or credit union that purchases a defaulted loan is not, under the letter of the law, considered a debt collector, and thereby not subject to the rules and regulations set in place by FDCPA. It is worth noting, though, that the petitioners believed Congress excluded loan originators from the Act because Congress believed they already had legal and economic incentives for good behavior. Given that many organizations that participate in the secondary market also have business dealings in originations, there is reason to believe the good behavior could continue without congressional intervention, although it may be necessary. “Many wondered what impact U.S. Supreme Court Justice Neil Gorsuch would have on the court, and now we know: author of a 9-0 decision “limiting” the definition of a debt collector, meaning someone buying debt to collect it for themselves does not fall under the FDCPA,” said Michelle Gilbert, Managing Partner of Gilbert Garcia Group P.A. “Given the expansion of the reach of the FDCPA by courts and judges since its enactment in 1977, this decision should propel our industry to work harder to lobby Congress for changes in the law.”   Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Subscribelast_img read more