“Learn the Law in 7 Days”- The most important book ever written

 

I recently published a book titled, “Learn the Law in 7 Days”.  I am very proud of this small handbook, coming in at just over 98 pages. This handbook gives the average citizen the ability to learn the basic ins and outs of the legal system in a way that makes sense to them.

The “law”, is what drives society. If you do not understand the legal system, it becomes impossible to navigate inside society. If you learn the rules of the game, you can either learn how to avoid certain pitfalls or you can even learn the loopholes and how to profit! Regardless of your desire, having a basic understanding of how the legal system works will give a huge leg-up in life.

I have many friends who are from foreign countries and I experienced a brief stint of homelessness. I wrote this book with these types of people in mind, but this book is truly applicable to the entire human race.  While most people have little desire in learning the legal system, the poor and those who freshly arrive in this country are especially ignorant to what their rights actually are and what they can if they find themselves in a tight spot.

This book could have easily been 300-400 pages long. But, I did not want to overwhelm the reader. I wanted to give them the bare-bones in terms of legal knowledge. 98 pages isn’t that long of a book. I do my best to add in humor and other interesting “tid-bits” in order to make the book less boring and bland. I also share many stories about my own personal life and how the legal system has shaped me.

I hate most aspects of what the law is, but I respect what it tries to do for society. Sometimes you can hate something so much that you appreciate its strength. Sometimes you can love something so much, that you hate how much control it has over you. That’s how I feel about the legal system. It gives our society moments of justice and beauty, as well as moments of corruption and disgust.

In this title, I try to emphasize both the beauty and ugliness of the legal system.  This book is short, sweet, somewhat entertaining, and highly useful! I pray that those who read it will be triggered to dig a bit deeper and truly develop a skill-set that can protect themselves, their friends, their families, and perhaps even spark an interest in a law related field.

Whether you are a student, bus driver, computer engineer, boxer, doctor, or a cashier working at a fast food joint, the “law” controls your life whether you like it or not.  I am not saying that you must become a lawyer in order to survive in the modern world of legalities, but, having some basic knowledge on how to escape everyday legal pitfalls is extremely useful, and this book confidentially achieves that goal.

Please pick up a copy on Lulu.com or on Amazon.com. Search for “Randell Stroud”, and you will find all of my amazing books which will bestow you with infinite wisdom and practical knowledge.

Lulu.com

Amazon.com 

Good luck!

-Randell Stroud

Nalini-Global

2019

Before you file for Bankruptcy: Read This

 

Bankruptcy is seen as a fresh start for many people.

Bankruptcy is prominently mentioned in the Constitution. Article 1, Section 8, Clause 4 of the United States Constitution provides:

The Congress shall have Power To…establish…uniform Laws on the subject of Bankruptcies throughout the United States….

Bankruptcy is a necessary option for those with a high debt to income ratio.  However, it does come with serious consequences. Your credit will be ruined for up to 10 years, the process will cost you atleast 1-2,000$ to file and lenders will be very weary of you.  As a Bankruptcy paralegal myself, I would not recommend anyone file for bankruptcy who has less than 10,000$ of debt.  Debts can be paid down, negotiated, and so forth without destroying your credit report! However, if you find yourself in the midst of a foreclosure or simply cannot see a foreseeable way to escape, then bankruptcy could be your best option. If you are thinking about this option, consider these 10 strategies.

  1. Pass the “Means Test”:  If you are single and make under $40,000 per year, you will most likely qualify for a chapter 7 bankruptcy. If you are married and your combined income is less than $80,000 per year, you will most likely qualify. Some couples will strategically file for separation during a bankruptcy process in order to reduce their household income, however, the bankruptcy trustee will investigate your living situation to ensure it is a legitimate separation.
  2.  Replevin Orders are often needed to recover property from a debtor, which require the creditor to take you to court. Small items such as toasters, Televisions, or any item that is worth less than $1,000 is often able to be retained if the debtor is brave enough to call the creditor’s bluff. Replevin orders cost money and time. In my years working as Bankruptcy paralegal, it is extremely rare to see any creditor file for a Replevin order on any item worth less than a grand.
  3.  Credit scores can be strengthened after bankruptcy if you obtain a secured credit card and pay it down fast after making small purchases.
  4. Do not purposefully rack up debts on entertainment(non-essential) items and then immediately file for bankruptcy. Most debts younger than 90 days are generally scrutinized and are considered “fraudulent”  debts in many bankruptcy cases.
  5. Chapter 13 bankruptcies will save your house  from being foreclosed upon, however, it will only buy you a few months. If you fail to make payments on your Chapter 13 plan, the foreclosure process starts all over again.
  6.  Chapter 7 bankruptcies will not clear out mortgages and auto loans.  Expect to give back those properties after your case has completed unless you enter into a “reaffirmation agreement”.
  7.  Negotiate your reaffirmation agreement with your lawyer or better yet, try to avoid signing into one! See if the creditor will continue taking payments at the same rate as before. Oftentimes, creditors will try to get you to enter into a new agreement with higher rates to benefit themselves.
  8.  Child support is a non-dischargable debt.  However, filing for a Chapter 13 Bankruptcy can help you reorganize your child support debt and save you from getting your drivers license suspended.
  9.  Student Loans and owed Tax debt are generally considered non-dischargable. In some rare circumstances, they can be discharged.
  10.  Show up to court! If you don’t get a notice in the mail from your lawyer, call him/her! Missing your court date can cause huge delays and possibly have your case thrown out. It is imperative that before you file for bankruptcy, you save up some personal time off from your employer. The judge doesn’t care about your excuses. If you don’t show up, it takes alot work from the lawyers, paralegals, and courts to get a new court date. Your lawyer and the paralegals who assist will certainly thank you for making their job much easier!

 

These are just a few basic tips when it comes to filing for bankruptcy in Chapter 7 and Chapter 13 cases. If you have any additional questions. Feel free to contact me at Naliniglobalconsulting@yahoo.com

 

-Randell Stroud

2018

It’s time we stop bullying our Veterans and LEOs

 

When it comes to veterans in our nation, there appears to be one of two attitudes held towards their presence.

  1. “We love our Veterans! We support them no matter what! “
  2. “Veterans are just tools of a war machine who deserve what they get!”

While many conservatives will never criticize the military or police no matter what, other political ideologies such as liberals, libertarians, or anarchists, will sometimes spit on the service of veterans by calling them, “tools of the government”, and other derogatory terms, — The truth is somewhere in the middle, as is in most cases of “This Vs That” issues.

Yes, there have been servicemen  and police who have acted inappropriately in their service.  The Mahmudiyah rape and killings involved the gang-rape and killing of 14-year-old Iraqi girl Abeer Qassim Hamza al-Janabi and the murder of her family by United States Army soldiers on March 12, 2006.  In other cases, many Vietnam veterans have admitted that they killed Vietcong soldiers and wore pieces of their body parts as trophies.  And yes, it is true that many military conflicts are fought on bad intelligence or for malicious profit or gain.

However, there are also many accounts of soldiers who disobeyed orders that went against their conscious and/or later spoke out against things in their service they disagreed with. Soldiers are not mindless drones! They are usually very intelligent people.

A good example is Major General Smedley Butler, America’s most decorated marine in modern military history, who wrote the book, “War is A Racket”, which exposed the corrupt money-making schemes involved in overseas wars. Smedley, emphasized that soldiers should only be made to protect their country, not to police the world or fight on behalf of money hungry politicians.  Very brave and intellectual statements indeed!

Many liberal leaning people, often criticize our servicemen as being mindless robots for the US military, but this couldn’t be farthest from the truth. Every person who wants to serve our country is required to take an oath to the US constitution, a legal instruments that formed the foundation of our modern legal system to which the average American cannot even recite.  When our nation is threatened with an outside attack or an internal attack of gigantic proportions, the military is deployed to handle the crisis. These men and women spend their careers honing their combat, administrative, legal, and survival skills in order to protect those in their community.

While I agree that it is the duty of Americans to arm themselves and take part in the protection of their communities, our servicemen devote 100% of their time towards this effort, thus, they are experts in this field. Because we have a military, we can walk through the streets, fly through the air on our airplanes, and travel the world, knowing that there is a military force that is trained and ready to protect us from invaders.

People join the military for all kinds of reason. Sometimes those reasons are selfish other times they are purely out of duty and love for one’s country. Regardless of the reason, the soldier enlisted is employed to serve a primary duty of protecting his/her people. This rings true in all armies around the world. Without a military, in the event of an invasion, poorly trained citizens would have to band together with limited supplies to combat such a threat. While not totally impossible, the consequences would be disastrous, most likely leading towards the breakdown of their society.

When soldiers are sent off to fight and die in conflicts that appear to have little to do with our national security, please do not criticize the soldier. Criticize the policy maker who ordered their deployment! Criticize the commander in chief if you wish, criticize your state’s governor if you wish, criticize our lack of spirituality if you wish, but do not criticize the soldier.  Most soldiers that I know who are stationed in Iraq or Afghanistan want to come home, many agree that the wars have gone on far enough, they don’t want to participate in such actions.  Yet, when they are deployed and the bullets firing towards them from insurgents begin, they have no choice but to fight back, all because of a policy maker who decided that military action was necessary.

Servicemen can be seen as “tools of the government”, but only when “we the people” do not support them and speak out for them. In the 1960’s, many Americans were forced to deploy to Vietnam under Draft provisions. Anyone who refused to enter into the military under a draft order was sentenced to prison. These young men who were forced to kill, fight, and see their friends die, were spat on and ridiculed by the anti-war movement and were often called, “Baby killers”.  These men were forced to fight in an unpopular war under threat of law, yet were ridiculed for attempting to survive such a desperate situation.  These events were totally unfair towards our veterans.  This is why Vietnam Veteran Era soldiers have some of the highest incidents of PTSD.

Contrarily, because of strong opposition from the American public with displays of nearly constant protests regarding the Vietnam war, politicians felt the pressure and eventually brought home our troops after being in the area for 20 years.  Our troops now face a similar situation in Iraq and Afghanistan. Our troops have been there for 17 years . Despite early protests from the modern anti-war movement, in recent years, these wars have been mostly forgotten about by the public.

President Obama announced a supposed end to the Iraq war in 2011, yet to this date, there remains over 30,000 troops permanently stationed in the country whereas Afghanistan remains as active as ever in terms of conflict. These wars appear to have no end in sight.  But who is at fault? Our servicemen or our law makers?

Our servicemen have only a few things in mind when it comes to their service.

  1. I must protect my nation
  2. Protect my family
  3. survive

Politics are of little concern to soldiers. In fact, the “Uniform code of military justice”, a codified legal system governing enlisted soldier behavior, bars public criticism of the President and missions in order to protect moral during combat.  Perhaps every year, congress should take a vote from our soldiers who have boots on the ground, or make true congressional declarations of war; such reforms would be highly beneficial in my opinion. Regardless, there is still no merit in criticizing individual soldiers or police to the degree we have been.

Let’s say you work for Nike, Reebok, Toyota, Burger King, HCA, or any major corporation.  It is pretty safe to say that all of these corporations have probably committed some atrocious act at some point; Harming the environment, treating employees badly, using forced child labor, ect.  Because you work for a corporation that sells products using unethical means, does that mean that you yourself are evil? Probably not. You are probably just happy to have a job in order to feed your family or perhaps you really love the product but secretly wish that the company operated more fairly.

I think our soldiers and our law enforcement officers feel the same way. They are doing a JOB! A job that often includes things that they disagree with but must carry it out anyways. Occasionally, an employee may speak out or rebel, but he/she does so at risk of losing their job or even their life in some cases.  If we as a society want to reform a corporation, reform a military, or reform a government, being angry with the actions of the leaders of such an organization is a normal response. But to criticize those who carry out the functions of that organization are not always warranted and are often gray, murky, and situational.

If you truly support our Veterans or if you truly disapprove of the missions they are involved in, be a part of the solution instead of simply espousing hatred towards such an entity. Bring together your community, show solidarity, make it clearly known to policy makers how the public is feeling, boycott, get new laws passed or repealed and use diplomatic methods to reshape these institutions.

The best way to support our veterans, those who stand between us sleeping safely at night or being invaded by those who wish to do us harm, is to get involved in politics in order to prevent needless wars and to support those injured soldiers who return home from these wars.  Our servicemen and law enforcers, while not always behaving perfectly, are essential to preserving a free society. When these men and women who are trusted with keeping our lands relatively safe act out under bad leadership, we should seek to reform the system, hold individuals accountable, work aggressively towards preventative measures of a repeat incident.

While I agree that it is not healthy to worship servicemen and policemen as flawless gods, it is also not healthy to put all servicemen and policemen into the category of “corrupt”. Our servicemen and policemen are also individuals with their own opinions regarding war, politics, and society. They are serving as a collective yet still deserve to be treated as individuals. Just as it is not fair to stereotype a race or religion, it is also not fair to stereotype those who are employed in a certain profession, whether it be the lowly cashier or the badge wielding police officer.

Honor and dishonor exists in all areas of employment. Some employees will take pride in their jobs, seeking to obtain a leadership position in order to improve conditions for everyone, whereas others will do just the bare minimum because they just want survive and get by.  Unless you are living off the land living like the amish and making your own clothes by scratch, odds are, we are all somewhat guilty by association in terms of the things we buy, the places we work at, and/or the things we say to each-other.

No one is innocent. 

However, when it comes to the military, less than 1% of Americans serve.  It’s a job that is totally necessary yet less than 1% of our population is willing to do it. Some say our veterans do not deserve the benefits they get, while others say they deserve more.  I say, if its a necessary job that less than 1% of our population is willing to do, then I’d vote that they get MORE benefits.

If you hate the wars, if you hate the policies, if you hate the way things are run, start your own or seek to reform them. It is that simple! Criticism is necessary for a dialogue to occur, yet, eventually some action has to come next to create a solution. Some problems are never completely cured as problems often evolve or devolve. Regardless, someone has to care enough to do something about it and i’d bet every last cent I have that most soldiers have no desire to unnecessarily harm others, and most police officers don’t want to unnecessarily ruin people’s lives.   We must stop picking on the “foot soldies” and criticize those who are calling the shots, the law makers and the CEOs who make the final stamp on an order.

Just like in all systems or ideologies, it is the “bad apples” who give the harvest a bad name.  As a person who is interested in running for office someday as a congressman or senator, instead of bashing the actions of policemen and servicemen, I am more interested in talking to them on ways we as lawmakers can improve our system, make it more fair, make their jobs easier, and less stressful.

If we as a society are comfortable with criticizing policemen and our soldiers because of bad leadership, we should be consistent and also protest the lowly cashier who works at a fast-food restaurant which serves unhealthy food to our public.  As Jesus Christ once said,

“Let he who is without sin, cast the first stone.”

or as a great rapper once said,

“Don’t hate the player, hate the game.”

 

  • Randell Stroud
  • 2018
  • Nalini-Global

Slacktivism needs a Cure

The picture above was taken of me back in October of 2017, addressing the city council of Nashville in regards to gentrification and lack of jobs. Law makers hung onto my words very carefully as I approached the stand to make my testimony heard.

I have had many instances like this in my life. In fact, I have even managed to get a corrupt politician fired for fraud, county clerk John Arriola, who was extorting citizens out of their money. I stood outside of his office with a sign stating, “Arrest Arriola!”. The local news covered my story. Eventually I reached out to prosecutors who brought him to court and forced his resignation.

I’ve worked with “Home-street Home Ministries to feed the homeless in my community and sent letters to CSX, a local train yard where the homeless were sleeping, asking CSX to allow them to set up camp there so long as they do not cause harm.

(Working with members of Home Street Home Ministries) 

I had the pleasure of speaking with Ben Wizner, in regards to Edward Snowden’s possible return to the United States. We discuss strategies to minimize the police state and to operate safely online without arousing unwanted attention.

(Ben Wizner and myself at a Convention on protecting Civil Liberties)

I submitted a 54 page report to the United Nations, detailing the need for international family law reform and recognition of discrimination against the Male-Gender in certain areas of our socio-economic systems.  Part of the report was published in my manuscript available at Amazon.com, see ” Global Human Trafficking In The Family Law Courts.” 

(Me giving a copy of my UN report to Tennessee law maker, Antonio Parkinson at a Town-hall meeting who eventually got a law passed reducing interest amounts on owed back child-support)

I’ve submitted several reports the International Drug Scheduling Convention, held annually, regarding the legalization of Marijuana and protection of CBD products.  The report can found on this website under the “Reports sections”.

I could go on and on with things that I have been involved in regarding social and legal reforms. This article is not designed to “toot my own horn”.  It is to display the difference between “slacktivism” and “activism”.

Slacktivists spend alot of time tweeting, making Facebook memes, and engaging in hours of online debates with their 50 or so followers. The “like”, “share”, and engage in online “flame-wars”, whereas at the end of the day, they can lay in their beds and say, “I fought for freedom today!”.

It truly is a “slacker” approach.  Behind a computer screen, one’s bravery increases quite a bit. The solution to everything is, “It’s the government’s fault”,  or “Religion made him do it”.  Slacktivists are really great at complaining and raising awareness for an issue, but they don’t really “do” anything.

Don’t get me wrong, I think using technology as a way to raise awareness is great! Create your Facebook fan page, make youtube videos, continue to use media platforms to reach an audience, but you must also combine it with REAL physical actions.  According to “slacktivists”, Martin Luther King Jr didn’t need to go to jail or protest to win equal rights for his people, if he had Facebook back then, he could have just made a “meme” about Jim Crow laws and the problem would have been solved! (insert sarcasm here).

I understand that many of us work a full-time job, some of us even work two jobs while trying to operate a “side-hussle”, but it’s no excuse, many events are held on nights or weekends, or you could occasionally take a day off., write a letter, invent something, do something! Continue to like, share, and post your opinions online to raise awareness, but, make conscious efforts to take physical actions towards your activism. Additionally, come up with practical solutions to the problems you care about. Simply saying, “Taxation is Theft”, or “End Climate Change now”, may raise a discussion, but it doesn’t present any real solutions to the problems you are raising.

A Libertarian might say, “Taxation is Theft”, but what plans does he have towards making taxation unnecessary?  Is he going to invent a new technology that replaces police forces, is he going to start his own road building service? Is he going to run for office and pass a new law that lowers or eliminates taxes? —probably not, he will probably just continue to post memes about how “messed up” , the government is while offering no real “positive” solutions on how to actually fix it or replace it with something else.

Getting angry about a problem is a normal reaction. However, the next phase is to seek out viable solutions to that problem.  You can scream out, “End Climate Change”, or “Taxation is Theft” until the cows come home, but it doesn’t really do anything. Even if you get people to agree with you, eventually, they are going to want a solution from you. Malcolm X, Martin Luther King Jr, William Lloyd Garrison, Frederick Douglas, Harriet Tubman, Rosa Parks, these people never shared, liked, or posted anything on Facebook, yet they changed the world permanently with their actions!

In conclusion, we must combine the new age with the traditional. Use your technology to expand your ideas in order to reach a larger audience, but be prepared to back up your ideas with progressive physical action and demonstrable solutions.

Like, share, and comment on this article—- Then get your butts out there and do something about the issues you care about!

  • Randell Stroud
  • Nalini-Global 2018

Randell Stroud is certified in Paralegal Generalism, Bankrtupcy law, and international law. He is a strong advocate for family law reform, tax reform, marijuana reform, legal administration reform, foreign policy reform, and anti-poverty measures. 

 

student loans are killing Americans

 

The United States government is about $20 trillion dollars in debt currently. The number is consistently climbing. With the collapse of Fannie Mae and Freddie Mac, financial institutions are more volitale than ever.

For many college graduates, student loans can feel like a financial death sentence. Child support, Taxes, Alimony, and Student loans are generally unforgivable in bankruptcy cases. So, what is a graduate to do if they cannot find a great paying job with their degree?

The good news is that there are well known options like “deferment” of payments and income based payment plans. However, many fail to realize that there are numerous grants and applications that can be used to lower your payments even further or have part of your balance forgiven.

Those who work in public service are the best candidates to have part of their loans removed. Teachers, lawyers, public defenders, and those who make less than 10K a year have a plethora of options for relief.  You can also challenge the accrediting merits of a school in order to have your loan forgiven.

Public Service Loan Forgiveness
Forgiveness from an income-driven plan
Federal Perkins Loan cancellation
Loan forgiveness for teachers
Loan forgiveness for nurses
Loan repayment assistance for doctors and other health care professionals
Loan repayment assistance for lawyers 
Additional student loan repayment assistance programs (LRAPs)
Military student loan forgiveness and assistance
Student loan discharge for special circumstances

If you need help processing your application or advice upon qualifications, feel free to set up a consultation with me by donating $30 on our support page .//naliniglobal.wordpress.com/support/

After you complete that step, shoot me an e-mail at naliniglobal@yahoo.com so that we may schedule a consult!

In liberty,

Nalini-Global

Latinos Protest Record-Breaking Obama Deportations

 

Last Friday, approximately 15-25 Immigrants and sympathizers, marched alongside the “Tennessee Immigration and Refugee Rights Coalition” to speak out against the practice of deportation. Under the Obama administration, deportations have reached record numbers, almost twice as many than that under President Bush.

Mexican Americans and latinos have began to rescind their support for President Obama.  After the U.S. backed gun smuggling scandal coined, “Operation Fast And Furious”, which lead to many Mexican deaths, and now record numbers of deportations being made against latinos, the tone has changed from support to fear in regards to this administration.

Our team approached respectfully and courteously holding our “Fight 4 World Peace” signature sign, and was met with smiles,high-fives, and was invited to walk alongside them. Police carefully monitored the event, yet the protesters were respectful and paid no mind. After the event was over, everyone peacefully dispersed, including the police, without incident.

Watch the video above as one of the organizers who went by the name of “Veronica”, came to the logical conclusion that humans are not “Aliens from another planet”, but “Human beings who have the right to move and travel. I believe that President Obama can stop this.”   As the birds move to more fertile grounds without violence or regulation during the change of seasons, we must ask ourselves….

Have humans de-humanized themselves? What separates us? Before the invention of maps, borders, countries, citizenry, and other artificial constructs, what did it mean to be “human” and were early humans even conscious of their humanity? Perhaps their unconsciousness was a blessing in disguise as their lack of perception made it difficult to distinguish. Now, with our supposed superior intellect, we distinguish from one another with such harshness and disregard to a human’s will and necessity to not only survive, but thrive.

Tennessee has become a popular immigration destination in recent years to Egyptian, Nepali, and Latino sub-groups.  Put yourself in their shoes. What if the conditions here become what is there? What would you do? When we strip away language, nationality, and religion, what are we left with? Humans who are seeking food, clothing, shelter and most importantly……social bonding with other loving and welcoming humans.

If  we are to live in such a regulated society, can we not atleast make the transition from one place to another more practical, humanizing, and streamlined?

The only thing that separates us from the animals is the belief that we are separate. We think of being as a separate species makes us superior, but in what ways?….in what ways? One reason can no longer be enough. We can do better than this…

 

-Nalini Global

2016