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Lethbridge Herald Newspaper Archives

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Lethbridge Herald, The (Newspaper) - January 15, 1975, Lethbridge, Alberta 22 THE LETHBRIDGE HERALD Wednesday, January 15, 1975 COOKING OIL WMlwn Family 32 01. bottle Salad Dressing Weelern Family 32 oz. 29 Fruit Cocktail Western Family 14 oz. Orange Crystals Weslsm Family 4 pick 1 EVAP.MILK Western Family 16 oz. MUSHROOMS Whole Weelern Family 10 oz. MARGARINE Weetern Family 1Ib. pkg. 59' Cake Mix Western Fimily. Wtiili. Chotolile, Spice, 19 oz.... 0 Bleach WittimFimltyMoz............ 0 Fabric Softener WMtirnFimilyMoz. 55' 6S Honey Alberti Gold, 2 Ib. niton. MACARONI CHEESE DINNER i Kraft SIDES OF BEEF Government inspected Grade A-2. Cut and wrapped. Average 220-250 Ib........................... Ib! Hinds of Beef I09 Canada Grade Ib. average. Lb................................ I Fronts of Beef Canada Grade Ib. average. Lb.............................. Turkeys GradeA6-16lb. Lb Baby Beef Liver Sliced. Lb. %t? Bananas Dole golden ripe %f VlT Oranges 700 California Choice Navels 5 Ib. cello bag Apples 149 B.C. Macs Canada Fancy 4 qf. basket I Pears B.C. Anjou Canada Fancy...................................... S Vlr Tomatoes 39" Florida Field Canada No. 1. Lb.........................................W W AARN holding I ward 4 i meeting The Alberta Association of Registered Nurses, ward four of the south district, is meeting Jan. 22 at Ericksen's Family Restaurant. Members of the AARN are invited to meet the nominees for the association executive at a wine and cheese party, to be held from 8 to 10 p.m. Tickets, at ?3 per person, are available from Marilyn Brown and Florence Kubinec at Lethbridge Municipal Hospital and Linda Sudiekat and Sister Maclntyre at St. Michael's Hospital. A good attendance is re- quested, to make the ex- ecutive elections more meaningful to a wide AARN membership. Lodge installs v 9 I59 Detergent 1: I WulirnFilyMoz...................................... I Tea Bags 1" Quaker Oats I39 Nibob I 5 Ib. big................................................ I Bathroom Tissue A R Witttrn tally TOllS W A new slate of officers for Dominion Rebekah Lodge were recently installed by Dorothy Pollard, district i deputy president, assisted by Grade Marshalsay, marshal. Officers installed include Edna Determan, junior past noble grand; Joan Pisko, no- ble grand; Edna Willis, vice grand; Victoria Crofts, recording secretary; Mary Oswald financial secretary; Mary Hamilton, treasurer; Lou Fleetwood, warden; Jean McNab, conductor; and Helen Clemis, chaplain. Edna Determan will serve as the representative to the Rebekah Assembly sessions to be held in Lethbridge in March. Community calendar The Chinook Pensioners and Senior Citizens Ladies Aux- iliary will hold a potluck luncheon meeting at 1 p.m. 1 Friday in the civic centre. j Members are reminded to br- ing a donation of teaspoons, tea towels and other supplies for the club. All members and friends welcome. Alpha Theta Rho Girls Club will hold the regular meeting at p.m. Thursday. In- stallation of officers will take place All tickets must, be turned in for the afghan draw. Consumers beware by LYNNE GORDON Collection agents tricky At this time of the year, you may be interested in knowing that collection agencies are a big business and business IS booming. Why? Because credit is still easier to get than you may think. But watch out, once you get it, you may have a tough time making payments. Some consumers are stuck with bills after a sudden illness or unemployment. Others just over extend themselves, not realizing how expensive credit can be. The credit grantor the person who gave you an easy loan may have been all sweetness and light when he was dealing with you but once your payments stop, the honeymoon is over. He may not be the one to get rough with you. He wants to protect his nice guy image and even deal with you in the future. But he'll turn your delinquent account over to a collec- tion agency and then watch the pressure get heavy. Believe me, collection agents know all the tricks. They've even worked out the best approach to get their money with psy- chologists. They know how to rattle you, scare you and hound you. The methods used can vary from the basic simple ones to more complex. The usual approach is to send out a short written notice followed by a series of blistering telephone attacks. An experienced collector knows how to reduce you to tears with a concise, no nonsense demand for full payment immediately. Usually before you have a chance to answer, he hangs up the phone' and goes on to his next call. This is his living and he can collect anywhere from 10 per cent to 50 per cent of the amount owed depending on the size of the bill and how long it's been unpaid, But this is just one approach. The methods used to track down debtors are endless. One collector told me he tracked down a man who owed him to Mexico. The collector got on the telephone and implied that he was from the Canadian Immigration Office and would report him to the Mexican Authorities for'deporta- tion if he didn't pay up. In this case, the man was frightened and did get the money together. Actually, threats and impersonations are against the law. Another trick is to extract a small amount, any amount, from the debtor. If a check is written, even for one dollar, the collection agent can track down his bank and make an attempt to freeze the account. But things have changed in the collection field, and now you are more apt to meet a different breed of collection agents especially since provincial legislation has come in to protect the consumer. Form letters used by the collection agencies are filed with provincial authorities for acceptance before use. You don't have to accept collect calls or collect telegrams. And the agency cannot add any charges to your balance, except those charges you incurred at the time of purchase. Collectors cannot call you an unreasonable amount of times during the day or night. They cannot call your wife at home to intimidate her, if it's your bill. Finally, they cannot make abusive or obscene phone calls. If any of these things happen, report it immediately to you provincial consumer protection bureau. But don't kid yourself, the collector will try to get you at the office or at home. And he has the right, if you've been ignoring his calls. And he can sue, get a judgment and garnishee your wages. In the long run, the best way to handle a collection agency is to be honest and lay it on the line. Most agencies will deal with you if you are sincere and ask for some practical arrangements for paying off your debts. Never try to borrow yourself out of debt. If you are over your head, try a community counselling service for advice. Before anything else, contact your orderly payment of debts of- ficer, in the Court House. Just don't confuse this kind of service with a commercial debt pooling service. They often charge sub- stantial entry fees and crippling interest rates. Many commer- cial debt pooling services, because of their abuse of debtors, have been banned in over half of the states in the U.S. The best thing to do is try and plan ahead collect your thoughts and your assets before the collection agency comes around. Copyright 1975, Toronto Sun Syndicate love is never embarras- sing each other in public. Carousei Knitting Shop JANUARY CLEARANCE Prices Motive through Sat., 18th BERELLA <4' Regular JANUARY SALE Off KITS AND RUG PACKS Savings of 10% to 50% off on all wool CAROUSEL KNITTING SHOP Centre Village Mall Phone 328-41 43 CHERRY LAYER J29 EACH WALNUT CHEWS DATE LOAF EACH 303 5th St. S. CONTACT LENSES EYE CLASSES CONTACT LENS SPECIAL OFFER EFFECTIVE JANUARY 14 to 24, 197S SAVE BRUCE PLAU8TEINER PIMM M7.77M 15% ;