Copyright 2014

Uganda Poor At Negotiating Foreign Debts - EPRC

Juvenal Muhumuza, the acting commissioner, Debt Issuance, at the ministry of Finance, Planning and Economic Development, said it is true that there are implementation challenges but refuted claims that the ministry had challenges with negotiating for debt.

The issue is on implementation challenges; for instance, you borrow a loan and it is supposed to be implemented in six months. But because of the implementation challenges it takes two years, he said.

Muhumuza clarified that in terms of negotiations, the ministry has a directorate of cash and debt management which is charged with negotiating for loans. There is also a department called Development Assistance and Regional Cooperation which has capacity to negotiate for the loans.

We invite people from other sectors to guide us. I really think we dont have a big problem on debt negotiation, he said.

CuraDebt Receives Over 750 Five Star Reviews


Debt Relief Company Receives Record Number of 5 Star Reviews From Individuals and Businesses

HOLLYWOOD, FL / ACCESSWIRE / May 25, 2016 / CuraDebt, the company that helps provide thousands of individuals and small businesses with debt relief, announced today that they have surpassed 750 reviews from their satisfied clients. The CuraDebt reviews came from client testimonials on esteemed advocacy websites Customer Lobby and ShopperApproved.

CuraDebt is a 5-Star Excellence Award Winner from ShopperApproved and has received numerous industry accolades. In addition to the recent achievement, CuraDebt has been rated number one among debt settlement companies and tax debt relief companies by the consumer watchdog site, Top Consumer Reviews for seven years in a row. The US Tax Center at, also endorsed CuraDebt as the #1 tax debt relief company to work with. The company credits their awards and honors to their ongoing commitment to transparency, integrity and superior service.

This prestigious honor is a testament to our outstanding customer service and our tireless dedication to providing debt relief to thousands of Americans, said Eric Michael Pemper, President of Curadebt. When people experience financial difficulties in their lives we try to provide hope for them so they can resolve their debts and have a brighter future.

CuraDebts trusted advisors help clients with debt negotiation, debt settlement, debt consolidation, debt management, credit counseling and tax debt relief. Their skilled professionals are experienced and knowledgeable about each of these services and review the best options for their clients. For tax debt reduction, CuraDebt has a group of experts in taxes, Tax Lawyers, Certified Public Accountants with over 25 years of experience and former IRS Officers, who work on their clients behalf to solve their tax problems.

For more information about the company and its services, visit their website at

About Curadebt:

For over 15 years, Curadebt has been helping people and small businesses resolve their financial difficulties. They have successfully advised over 10,000 individuals and families each year, and have settled over $100 million in consumer and business debt. CuraDebt specializes in providing expert help to resolve unsecured debts and tax issues.

Media Contact:

Jonathan Kirby
(877) 850-3328
This email address is being protected from spambots. You need JavaScript enabled to view it.

SOURCE: Curadebt

ECG begins debt negotiation with defaulting customers

The Electricity Company of Ghana (ECG) has revealed that it has begun negotiations with customers in the Ashanti region who have had their power disconnected because of debts owed to agree on a repayment plan.

The Ashanti Regional office of the ECG has indicated that it is ready to reconnect power to such facilities and homes if the customers approach the company and agree and commit themselves on a payment schedule.

Its Public Relations Manager (PRO), Erasmus Kyereh Baidoo in an interview with Ultimate News, revealed that the ECG has set up a desk for what it calls a Customer Debt Negotiation Arrangement headed by a debt collection officer.

He urged defaulting customers to take advantage of this window to clear their debts in order to enable them enjoy uninterrupted power supply.

"We have designated a desk since December 2015 for debts to be collected in all our business centres. Once you agree on a payment plan and start paying, you will be reconnected because these days the suppliers have been diversified and it is only ECG that pay them. We don't want to pile up the debts. It is for this reason we are changing all the prepaid meters to post-paid", he revealed.

He also indicated that the ECG in the Ashanti region has not halted its operation to arrest and prosecute persons who are proving difficult to pay for power consumed.

"We arrested a lot of people and about 33 people are still in the circuit court facing trial. We do not want consumers to face prosecution that is why we are rolling out some of these schedules for them to pay debts owed the ECG", he added.

Proposal Means Showdown on Who Can Practice Law

A few days ago a proposed change to the pro hac vice rule was forwarded to the full judges' meeting by the Rules Committee. If passed this June, it may set the stage for a showdown between the branches of government that has been brewing for some time. Maybe that's a good thing.

The proposed change would expand the universe of proceedings for which pro hac vice admission is needed from court matters and arbitrations to all proceedings "before any municipal or state agency, commission, board or tribunal."

Many state agencies such as the Department of Labor, Commission on Human Rights and Opportunities, Department of Education, Public Utilities Regulatory Authority, Workers' Compensation Commission and others allow both lay representation and practice by out-of-state lawyers. So do local planning and zoning boards and commissions, ethics committees, finance boards and a host of others. Now, all those engineers, union representatives, social workers, company officials, next-best friends and others who make it a practice to appear before such panels risk violating Statutes 51-88, which makes the unauthorized practice of law a felony.

When I was in charge of unauthorized practice enforcement, I once asked an assistant attorney general why he let a disbarred lawyer represent an activist group in a licensing proceeding for a nuclear power plant. His answer was that it was easier to deal with one person than a whole room full of them. Similarly, other Executive Branch agencies have adopted both formal and informal protocols allowing lay and out-of-state lawyer representation for administrative convenience. Though some members of the bar complained bitterly, I declined to press unauthorized practice charges in those cases, not on the basis that these representatives were not practicing law, which I think many of them clearly were, as it is defined by Practice Book 2-44A, but rather on separation-of-powers grounds.

Our constitution recognizes three branches of government, and grants to each its "separate majesty." If the executive branch or the legislature wants to allow nonlawyers to appear before it or its agencies or boards, who was I to say no? Rule 5.5 of the Rules of Professional Conduct even allows nonadmitted lawyers to appear before such entities if permitted by rule or custom. This new rule could end all that.

Though proponents of the rule point to the recent Persels case as authority for their position, I think there are earlier precedents. More than a decade ago, the Judicial Branch stopped working with the legislature to pass parallel legislation when it made Practice Book changes. Thus, there are whole swaths of judicial rules that are at odds with what used to be parallel legislation. The rules related to lawyer discipline are a good example. A recent mandamus case over a grievance matter, still pending on a motion to dismiss, highlights some of the disharmony. The petitioner claims the statutes apply, and the respondents, all court officials, claim the Practice Book is the only authority they recognize.

The practice of passing parallel rules and statutes can be found in the anti-ambulance chasing rules found in both the advertising parts of the RPC and the statutes. This practice no longer happens. I have been told that this reflects the Judicial Branch's belief that as a separate and co-equal branch of government, it does not need either executive or legislative approval when it makes rules or regulates the practice of law.

This notion of a strong separation of the branches seemed to be what led to the decision in Bysiewicz v. DiNardo, when the Supreme Court ruled that Susan Bysiewicz's years as Secretary of the State were not the practice of law. It certainly drove the decision in Persels, when the court invalidated a statute regulating lawyers who practice debt-negotiation work as beyond the scope of the legislature's powers.

I had a minor role in Persels when I submitted written testimony in the declaratory proceeding before the banking commissioner urging that lawyers doing debt negotiation and other similar work could be subject to parallel jurisdiction and regulation by both branches of government. A similar analysis had been reached many years earlier in Heslin v. Trantolo, which found lawyers subject to the Department of Consumer Protection with regard to their advertising. Now it seems that positions have hardened and grey areas have become more distinct.

Too bad the courts do not render advisory opinions so we could sort all of this out. We will have to wait for the right case or controversy where, like the Persels lawyers, someone with both a point and a pocketbook will challenge the rule. Alternatively, my former colleagues at the Office of the Disciplinary Counsel could bring an unauthorized-practice complaint against one of the Philistines in the Temple, but considering their lack of resources, they probably are disinclined to prompt an interbranch showdown. Maybe a state's attorney will arrest an out-of-state lawyer at the DOL or a company manager at the CHRO. What fun!

Business Plan Challenge finalists, semifinalists represent big range of industries

Settleitsoft, by Antonio Garcia, Mazin Fitiany, Carlos Garcia, Martha Henry, Wilson Velandia and Rich Rudner, offers a free Web-based debt-negotiation platform to help resolve the global economic problem of consumer default on contractual obligations.