Archive for December, 2013

‘I Hope People Really Don’t Have to Live Like This’

Tuesday, December 31st, 2013

“I need a transportation pass to get to my baby in the hospital,” a man said anxiously, then repeated the sentence to a skeptical desk clerk. “I need a transportation pass to get to my baby in the hospital,” he said, this time more urgently, holding a few dollars in his hand.

The clerk looked up calmly, indifferently, and was just about to open her mouth to speak when a police officer arrived and put Quentin Quant in handcuffs. He was under arrest for neglect.

As he was being pulled away by the elbow, his arms pinned behind his back, Quant pleaded with the officer for the sake of his sick son, stating that he shouldn’t be put in jail, he hadn’t committed any crime.

His pleas fell on deaf ears.

“I couldn’t get away from work,” said Quant in a later interview. “My boss wouldn’t release me from work and by the time I got there, he’d been taken to the hospital,” he said.

Quant had been called to the school when his 9-year-old son Kirby was having an asthma attack and needed medicine. When Quant didn’t show to pick up his son, Kirby was hospitalized and Quant was arrested.

After roughly a week in jail, the recently-divorced father of two lost his job, unable to work shifts behind bars.  His son Kirby had been thrown into the juvenile detention center in the meantime for skipping school, and his 20-year-old daughter Kayley was rushing around trying to take care of herself, her baby and the family’s finances.

“I just wanted to cash my dad’s check,” Kayley said, clutching baby Clarice in despair. She’d spent a long day visiting banks and social services offices. “I’ve been everywhere and I can’t cash it and I don’t have any money and I was supposed to pick up my brother’s prescription, but I can’t,” she said, almost hysterical. “They don’t help you.”

Kayley is a college student who works part time at the Super Center and lives with her father to save money. With four in the household, childcare and food costs, plus rent and other monthly expenses, the family’s budget comes to $1,150 a month for only the bare necessities. Kirby’s asthma medication not inlcuded.

Quentin Quant works 40 hours a week to provide for his family, but the resources are tight. At $10.75 an hour, Quentin takes home $1,517 after taxes, not leaving much for emergencies or savings. Locked up for roughly two weeks total, financial worries were all he could think about.

“Not having a job, knowing that the mortgage wasn’t paid and that the utilities were going to be cut off–it was stressful,” he said.

At the end of the second week, Quant was released and could return back home, but the problems mounted. Kirby was still in jail, bills were unpaid and there was no source of income.

Running on the fumes of his last paycheck, Quant bought his family groceries and put enough gas in the car to pick up his son and run some errands. He was afraid that his social services had been cut and that his landlord would not accept a late and partial payment. Baby Clarice was no longer attending daycare and Kayley had been missing classes to help deal with family concerns. Things had gone from bad to worse, and now, even the house was in jeopardy.

“I like this kind of stuff,” says Deborah Ruiz, an employee of the San Angelo Housing Authority. “I like to get really into the role.”

Ruiz is playing Kayley Quant and has gathered with circa 50 other local professionals in the conference room of the Region 15 Education Services Center building for an hour-long poverty simulation designed to put participants in the shoes of the impoverished.

“You just stand here and look around–‘Where do I go? What do I do?'” she explains the experience. “I think it helps because we’re on the other side of the desk. It’s difficult, it’s hard,” she says.

Her “dad”, William Tucker, agrees.

“It’s difficult for me,” says Tucker, who works for Child Protective Services.  “I’ve already kind of gained an understanding of what it must feel like. I’m understanding the reactions I get from my clients,” Tucker said. “I don’t know what I was expecting coming here, but I’m already starting to understand why people are so frustrated sometimes.”

Tucker is in week two of the simulation, which lasts an entire month. The hour-long simulation is broken down into four 15-minute sessions, each representing a week of time.

Sitting off the side of a long table in one of several chairs allocated to the social services center, Tucker slips back into character as Quentin Quant.

“I’m very frustrated,” says Quant as he waits for his turn at the counter. ” I don’t think it’ll all get done. I have to go to the mortgage company and the utilities company because I’m behind on a payment.” Closing time is just around the corner.

Meanwhile, Quant’s daughter Kayley is waiting with several others at the general employer to hand in her job application. She and her father have decided to tag team the duties in order to be more efficient and hopefully get the list done.

As people line up outside the makeshift offices lining the perimeter of the room, many begin to fear and loathe closing time. Several have been sitting and wating for many minutes, some on their second or third visit.

As the end of the week rapidly nears, employees of the different companies and organizations mercilessly place red and white ‘closed’ cards on their tables, sending multiple individuals away without word.

Over at the Quick Cash, Region XV employee Pam West is in control of the transportation passes each family in the simulation needs to travel to the other offices. “I thought of the worst employee I’ve ever seen and tried to become that person,” West said apologetically after the simulation was over.

Transportation played one of the most vital roles of hour, as each person needed to purchase a pass–meant to signify public transit or gasoline costs–to travel to any agency. Without the pass, customers would not be served.

Shortchanging some, overcharging others, West really got into her role. While one family attempted to purchase, she held a faux phone conversation making lunch plans, negligently took the family’s money, then hung up and said “Merry Christmas!” as they impatiently departed.

“I have never worked at a service center that deals with poverty,” West said. “It’s kind of an eye-opener to me…I think no one really knows what it’s like to be on the other side of the table. This is as close as we’re going to get.”

After an hour of scrambling, the simulation was over. The Quant family, as well as five others, had been evicted from their homes. Quentin had managed to get his job back, Kirby–who said he’d left school after his teacher refused him breakfast–was still hungry, and Kayley was, “tired, worn out. When I came back home and saw that we were evicted it was almost all for nothing.”

Organizers at Region XV chose to host the simulation based on prior experience. “We’ve participated, but this is the first time we’ve tried to pull San Angelo in,” said Carol White, one of three Region XV employees that helped organize the event. “Most of us are middle-class Americans,” White said. “…what an eye-opening experience for the clients they serve.”

Many of those present for the simulation were local social workers or employees that deal directly and frequently with low-income families. Having been divided into groups of three to four, each operated as familial unit during the hour, following instructions and a family profile disseminated before the simulation began.

Each of the family profiles are based on real families in Missouri, and the simulation itself was developed by the Missouri Community Action Poverty Simulation as an answer to high poverty rates in the state.

The accelerated month was designed to serve as a glimpse into the lives of the impoverished, requiring participants to go out on their own as individuals and families and seek assistance while balancing the struggles of irregular home and work lives.

Companies such as a payday advance, a pawn shop, a bank, supermarket, police department, social services center, a school and a mortgage company were represented among several others that lined the walls of the room.

Families started off with specific roles and ages, a budget and objectives, that varied to some extent but circulated around the basics of keeping the family fed and the utilities turned on. A thief and a homeless person also circulated among the group, playing individual roles.

At the conclusion of the simulation, feedback was given on personal experiences, many of which were fairly consistent. Several participants expressed feeling frustrated and angry about the treatment they were given, often because they felt alone and as if no one had any information to help them further.

Some families purposely left their children in the juvenile detention center so that they would have more money to put toward food and shelter for the rest of the family, and one took in the homeless woman for additional support.

One commenter said, “There are services out there, but if you’re working, when are you supposed to go to them if they’re only open when you’re working.” Several participants shared similar frustrations.

Employees of the various companies present also evaluated the performance of the mock families, noting some surprising observances. Only one person had remembered to ask for a receipt after making a payment, all of those given too much change had returned it, and healthcare seemed to be the luxury item participants were least concerned about as they managed their budgets. 

Those that played children in the simulation revealed theyd also become privvy to their parents strees, even though most were isolated in the school for the majority of the hour. 

However, the consensus at the end remained solid for all involved: there seems to exist a lack of education on the different resources available, and many who find themselves in similar situations in real life may be left to fend for themselves. 

Focusing on education, participants brainstormed ideas in the feedback session of how to bridge the informational gap, ranging from promoting volunteerism to raise awareness and disseminating lists to other agencies to enhance referrals. 

At the end of the feedback session, participants were relieved to return to their lives, many of which stated appeared much less stressful than they had the hour before.

When asked for her impression of the role-play shed just completed, Jan Klemen, a veterinarian present via CASA could only say,”I hope people don’t really have to live this way. Its crazier [than I expected]. [From this Ive learned] to have a little more sympathy for the kids in my CASA cases.





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The sharing of LOVE

Monday, December 30th, 2013

Times are tough for Sandra Williams.

Waiting on her military pension and helping to raise her grandchildren, getting a payday advance to help put groceries on the table isnt out of the ordinary and often leaves the former Oakland resident flat-broke with little prospects outside of food pantries and handouts from local non-profits.

Shes not a proud woman. Williams says that shes just waiting for the system to push her check through to the otherside you know how slow the government can be she says before shell be able to make the kind of changes in her life that she says her grandchildren deserve.

So on Thursday when she pulled up to the Love INC gift distribution site at St. Pauls United Methodist Church and was handed a $40 Target gift certificate, Williams was beside herself with joy. She knew that all of the toys and gifts that her granddaughter wanted would be covered with that single gift card.

Everything that I asked for Im going to be able to get with this, Williams said. Its tough for us right now when you have to get payday advance loans to put food on your table, there isnt enough money left over for any Christmas presents or toys no matter how much you want to get them.

I didnt have a reason to put up my Christmas tree because I didnt have anything to put beneath it. Now I have something to put under it, so Im going to go home right now and pull it out. That Christmas spirit is with me today.

And Williams wasnt alone.

Just as Love INC Executive Director Stephen Parsons would get through one line of cars some of which received gifts, some gift cards, some bicycles and some a combination of the three hed get a chance for two quick breaths before another line pulled into the parking lot.

In all truth, Parsons wishes that he didnt have to be out there checking IDs and running down a list of more than 130 families that need help during the holiday season.

But he knows that he has the backing of the community for as long as he needs it.

Earlier in the week Parsons announced that he didnt quite have enough toys and donations to meet the demand that the ministry had amassed, and within less than a day his phone was exploding with people who were willing to offer anything they could from presents to cash donations. By the time the first wave of children came, there was enough to make sure that nobody went without.

That kind of devotion, he said, is hard to find in other places.

I wont live anywhere else, Parsons said matter-of-factly. Any time I have a need I go to the community with my need and they step up and step up big. All you have to do is look around today and see how selfless people in this community are.

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Cashloanscorner.Com Offers Credit Cash Advance Facility

Monday, December 30th, 2013

Cashloanscorner.Com Offers Credit Cash Advance Facility

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TitleBucks Expands into Smyrna, TN

Sunday, December 29th, 2013

Smyrna, TN (PRWEB) December 01, 2013

TitleBucks, one of the country’s premier title loan companies, opened its first location in the Greater Smyrna, TN Area on Monday, October 28, 2013. This new location, along with TitleBucks stores across the Southeast, Southwest, and Midwest, offer individuals with little, no, or even bad credit the opportunity to get a cash loan based on collateral, not credit history.

The new store is located next to the Smyrna Bridge at 128 North Lowry Street, Smyrna, TN 37167. Store hours are Monday – Friday from 9:00 am to 7:00 pm, and Saturday from 10:00 am to 4:00 pm and can be reached by calling (615) 625-7945.

“Getting a title loan with TitleBucks means you can get the cash you need while maintaining the use of your vehicle,” said Otto Bielss, Senior Vice President of Operations for TMX Finance. “We encourage individuals who may be in need of instant cash loans to contact the friendly team at our new Smyrna branch.”

About Car Title Loans

A car title loan is a quick way for individuals to obtain the cash they need using their car title, not their credit history. To secure a car title loan with TitleBucks in the state of Tennessee, an individual must have a clear, or lien-free, car title and a government-issued ID. With these items an individual can obtain a car title loan up to $2,500 while still being able to drive their vehicle. Vehicle insurance is not required, there are no credit checks and most loans can be processed in as little as 30 minutes.

About TitleBucks

TitleBucks, a subsidiary of TMX Finance, provides financial products to people without access to traditional credit alternatives. TitleBucks has been a trusted consumer lender for over 14 years, helping thousands of people in getting cash when they need it. Since its inception in 1998, TitleBucks has grown to over 175 stores, spanning 10 states across the Southeast, Southwest, and Midwest, and provides car title loans to hundreds of people each day.

Please visit for more information on car title loans and how TitleBucks can be of service.

Read the full story at

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Capitol Cash Advance Loan Launched New Site Offering Quick Money Loans …

Sunday, December 29th, 2013

One of the best online financial company that has been established recently is the Capitol Cash Advance Loans which allows the individuals belonging to the various walks of life to borrow funds in a time efficient manner to meet their cash needs. The selection criterion conditions of the Capitol Advance are very simple and allow even those individuals who cannot provide collateral or a secured credit rating to borrow funds to meet their various financial needs. The applicants who wish to obtain the quick cash loans from the capitoladvance can visit the company website where the online application form is uploaded and fill out the same to apply for the loans without worrying about being charged a fee. Even in the cases when the loan applications of the applicants are rejected they are not charged a fee for applying for the loans. The has smart and streamlined procedures which allow the applicants to get notified about the decision taken against their capitol loan application within a few hours only. This way the applicants can make alternate arrangements even if their loans are rejected. The has been developed to provide a dependable and effective platform that allows its borrowers to manage their finances in an independent and confidential manner.

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Employee Arrested, Man Wanted In Cash Advance Theft

Friday, December 27th, 2013

MURFREESBORO, Tenn. A woman was arrested and her boyfriend is wanted in connection with a false report of an armed robbery at a Murfreesboro cash advance store.

Murfreesboro Police were called to First Cash on Memorial Boulevard for a reported armed robbery on Tuesday.

After an investigation, Sarah M. Jamison, the employee who reported the robbery, was arrested and charged with filing a false report, conspiracy to commit theft and theft.

Warrants have also been issued for Jamison#39;s boyfriend, Brandon Stafford, for Conspiracy to File a False Report and Theft.

Anyone with information was asked to call CrimeStoppers at (615)893-STOP (7867).

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Thursday, December 26th, 2013

(PRWEB) November 05, 2013 has revealed the best merchant cash advance agencies in the payment processing industry for the month of November 2013. Thousands providing solutions within the industry are evaluated in order to identify which agencies produce the most competent solutions to businesses in need. Businesses scouting for competent payment processing agencies to help them access the listings online to find agencies which have been tested by an independent third party.

In order to build the best rankings possible based on the most detailed evaluation of merchant cash advance firms the independent research team spends countless hours analyzing industry trends and market research. Each showcased merchant cash advance company has been judged across five criteria of evaluation. The five criteria are critical to identifying the comparative performance of the company in relation to major competitors within the industry. To build an even more detailed evaluation the independent research team also contacts a minimum of three client referrals of competing merchant cash advance firms.

To view the rankings of the top merchant cash advance consultants click here.

About is a provider of credit card processing research. The first objective of is to establish and proclaim those individuals or companies supplying best credit card processing solutions available. Merchant cash advance companies are put through a systematic evaluation to ensure the ratings contain the absolute best companies the credit card processing industry has to offer.

Merchant cash advance agencies interested in being evaluated and revealed can visit:

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Loans Company Networks with More Online Payday Loans Direct Lenders

Wednesday, December 25th, 2013

Tucson, AZ — (SBWIRE) — 11/20/2013 — There are some financial difficulties that one should get hold of immediately they occur where good examples are unexpected car repairs, urgent home renovations, unpaid education fees and health bills among others. has provided more online payday loans direct lenders and the current number of them will be ensuring that applications are handled on submission.

The one requirement that every lender considers when providing cash advance is a regular paycheck and it will be important for applicants going for this payday advance to provide proof of such. Its only applications by persons above 18 years that will be considered and they should also be holders of active checking accounts to allow the loan providers to issue the funds through wire transfer. It will be taking less than 12 hours for borrowers to have such.

The great recession that was witnessed a couple of years ago is still affecting some people up to this day where their credit ratings are still way below the 600 mark. Inquiries by such persons will be considered by the new database of online payday loans direct lenders and they will be eligible for the full amount on offer. They should therefore be part of the new developments where they should forward their applications in numbers. will simply be acting as a bridge to the new database and consumers will be dealing with the lenders directly. This means that they will be receiving quotes as issued by the online payday loans direct lenders and they will be accessing all details in full. The final decision on the best offer will be coming from the borrowers after considering their options on repayments, interest rates, fees and terms.

Privacy and security are issues that consumers are now keenly looking into since people are being lured into internet scams every single day. The company has addressed these two issues in full and applicants should feel very safe when forwarding their applications. The lenders will be using the information received from applicants for only the intended purposes and there will be no disclosure to other parties.

This site has been networking with loan providers since 2011 in a move that is aimed at making loan packages easily accessible. It is a top provider of bad credit loans and there are many credit challenged persons who are relying on it today. To get financing through the new database of online payday loans direct lenders, visit

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Car Title Loan Company Opens Location in Orland Park, IL

Tuesday, December 24th, 2013

Orland Park, IL (PRWEB) November 07, 2013

TitleMax, one of the nation’s largest and most reputable title lending companies, opened another new location in Orland Park, IL. The new location, along with TitleMax stores across the country, will offer individuals with little, no, or even bad credit the opportunity to get a cash loan based on collateral, not credit history.

The new store is located at 9400 W. 159th Street, Unit A, Orland Park, IL 60467. Store hours are Monday – Friday from 9:00 am to 7:00 pm, and Saturday from 10:00 am to 4:00 pm The store can be reached by calling (815) 258-1781.

“The TitleMax team is proud to serve the community of Orland Park, IL,” said Otto Bielss, Senior Vice President of Operations for TMX Finance. “A car title loan with TitleMax is a great way for credit-challenged individuals to obtain the short-term cash they need.”

About Car Title Loans

A car title loan is a fast way for credit-challenged individuals to obtain the short-term cash they need. To secure a car title loan with TitleMax in the state of Illinois, an individual must have a clear, or lien-free, car title, a government-issued ID and proof of income. With these items an individual can obtain a loan up to $4,000 while still maintaining the use of their vehicle. No insurance is required, there are no credit checks and most loans can be processed in as little as 30 minutes.

There are nearly 70 TitleMax stores in the state of Illinois. To find a TitleMax near you click Title Loan Stores.

About TitleMax

TitleMax, a subsidiary of TMX Finance, provides financial products to people without access to traditional credit alternatives. TitleMax has been a trusted consumer lender for over 14 years, helping hundreds of thousands of people in getting cash when they need it. Since its inception in 1998, TitleMax has grown to over 1,200 stores, spanning 14 states and provides car title loans to over 2,500 people each day.

Please visit for more information on car title loans and how TitleMax can be of service.

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Berrien County police asking public to help identify cash advance store …

Monday, December 23rd, 2013

NILES TOWNSHIP, MI — Berrien County police have released a forensic sketch of a suspect believed to have robbed an Allied Cash Advance store Saturday.

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