Free Meals in Delaware County Ohio

Many people in Delaware County Ohio struggle to make ends meet.  This includes keeping a roof over your heads and food on the table.  Fortunately there are many programs in Delaware County to help in the food department.  Not only will you get a good meal but you will also have the opportunity to meet and share with others.  The following information was obtained from the Andrews House Website.  Dates and times are subject to change.  Please call before you go.

Free Meal Mondays:

First and Third Mondays, 5:30 pm – 8:00 pm at Vineyard Church, 1001 W. Cherry Street, Sunbury, OH – Phone 740-965-8888.

Fourth Monday, 6:00 pm – 8:00 pm FEED Delaware at Delaware City Vineyard Church, 425 S. Sandusky Street, Delaware OH – Phone 740-362-6383.

Free Meal Tuesdays:

Every Tuesday 6:00 pm – 9:00 pm at Common Ground Free Store, 193 E. Central Avenue, Delaware, OH – Phone 740-369-3733.

Free Meal Wednesdays:

Every Wednesday 10:00 am – 1:00 pm at Common Ground Free Store, 193 E. Central Avenue, Delaware, OH – Phone 740-369-3733.

First Wednesday 5:00 pm – 7:00 pm at William Street United Methodist Church, 28 W. William Street, Delaware, OH – Phone 740-363-4741.

Third Wednesday 5:00 pm – 6:45 pm at Highpoint Community Outreach, 795 Pollock Road, Delaware, OH – Phone 740-273-0368.

Free Meal Thursdays:

Every Thursday 6:00 pm – 9:00 pm at Common Ground Free Store, 193 E. Central Avenue, Delaware, OH – Phone 740-369-3733.

Third Thursday 5:00 pm – 6:00 pm at Andrews House, 39 W. Winter Street, Delaware, OH – Phone 740-369-4520.

Third Thursday 5:00 pm – 6:30 pm at Ashley United Methodist Church, 214 E. High Street, Ashley, OH – Phone 740-747-2295.

Fourth Thursday 6:00 pm – 7:00 pm Winter Street Diner, First Presbyterian Church, 73 W. Winter Street, Delaware, OH – Phone 740-363-1205.

Free Meal Fridays:

First Friday 5:30 pm at Sunbury United Methodist Church, 100 West Cherry Street, Sunbury, OH – Phone 740-965-3813.

Second Friday 5:00 pm – 7:00 pm at Andrews House, 39 W. Winter Street, Delaware, OH – Phone 740-369-4520.

Last Friday 6:30  pm – 7:00 pm at St. Peter’s Episcopal Church, 45 W. Winter Street, Delaware, OH – Phone 740-369-3175.

Free Meal Saturdays:

Every Saturday 10:00 am – 1:00 pm at Common Ground Free Store, 193 E. Central Avenue, Delaware, OH – Phone 740-369-3733.

Second Saturday 8:00 am – 10:00 am at Grace United Methodist Church, 385 E. William Street, Delaware, OH – Phone 740-369-2092.

Fourth Saturday 4:00 pm – 6:00 pm at Zion AME Church, 140 S. Washington Street, Delaware, OH – Phone 740-363-1810.

Scam Arrest Warrants – United States District Court

Scam arrest warrants are being sent by fax and email purportedly from the United States District Court, which could include the Bankruptcy Court.  Please see the notice and information below that was distributed by the United States Courts.  The notice details the scam practices and who to contact if you have received any of these bogus arrest warrants.

Warning! Arrest Warrant Scam

You’ve received a warrant by fax or email saying a federal law enforcement officer or an attorney for the government wants to arrest you. Charges may be for money laundering or bank fraud, or missed jury duty. To avoid arrest, the warrant says, send money.

It’s a scam.

The warrants may display a bogus logo of an unspecified “United States District Court,” a case number, and various charges. Typically, recipients are instructed to call a number to get a “settlement” or to wire money to avoid arrest.

The warrant is phony. A valid warrant would not be served by fax or e-mail. It would be served in person by a U.S. Marshal or other law enforcement officer.

Anyone receiving a fake arrest warrant should contact the FBI or the district U.S. Marshals Office. If there is any question regarding the authenticity of a warrant, contact your district clerk of court.

The fake arrest warrants have been reported across the country, including in the District Courts for the Southern District of Ohio, Southern District of Illinois, New Mexico, Western District of Kentucky, Utah, the District of Columbia, and throughout Florida. Anyone demanding or obtaining money or anything of value while impersonating an officer or employee of the United States may be fined and/or imprisoned up to three years.

JUSTICE DEPARTMENT TURNS UP HEAT ON PAYDAY LENDERS – WALL STREET JOURNAL

Payday advances signThe Wall Street Journal posted today that the “Justice Department is targeting banks that service a broad range of what it considers questionable financial ventures, including on-line payday lenders” WSJ.

Payday loans are short term loans at high interest rates. These types of loans are legal in Ohio. In Delaware Ohio they are very noticeable. All you have to do is drive down South Sandusky Street in the City of Delaware and you will find 2 or 3 locations within about a half a mile.

According to the article, a spokesman for the Online Lenders Alliance said that the Justice Department’s actions “would cut off an important credit choice for millions of underserved consumers”. I personally have a problem with that statement. These “underserved consumers” do have few credit choices, and when they chose to borrow from a payday lender or cash advance company, they become trapped in a viscous cycle that they cannot escape.

Payday Loans are Legal in Ohio

As an Ohio Bankruptcy Attorney, where payday loans are permitted, I see many clients who have borrowed from these institutions. The stories are not pretty. Every pay period they have a couple of options: 1) pay the loan plus fees in full; 2) pay the fees and borrow again, causing the balance to grow larger; 3) don’t pay and risk the payday lender trying to cash their check, causing overdraft fees and further financial damage.

Payday Loan Collections

Collections start when a payday loan prisoner does not make good on the loan. Granted, we have become a little more civilized in the last 50 years and you should not have to worry about some goon breaking your kneecaps, but the collection tactics are still deceptive and unsavory. The collectors for these companies try their best to intimidate the borrower into paying the money. Many times they announce themselves as Investigator Smith or Investigator Hughes or Investigator (fill in the blank). They call friends and family about the debt. They call you and threaten to have you arrested the next day if you don’t pay, and you may be arrested at work. They truly scare many people. They are ruthless. They have a job to do and that is collect money, period. They don’t care about you.

Payday Loan Collection Protection

The good news is that these collection practices are illegal. If you have payday loans and have been called by an Investigator or someone else trying to scare you into paying the money, seek legal help. You have rights and you have protections. Filing a complaint against the collector for unfair and deceptive collection practices might be an option. Just hiring an attorney to make a few calls might be all you need. You still owe the debt but you don’t have to be abused. Filing bankruptcy can make the debt disappear for good.

Payday Loan Industry Growing

Online payday lending grew 10% in 2012 and accounts for nearly 40% of all payday lending, according to the WSJ article. Our economy has not fully recovered and people are still getting further into debt. Payday loans are not helping consumers, they are trapping more and more in a downward debt spiral.

photo by: HelenCobain