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Debtors get calls, collections efforts for = years
Skipped credit-card payments - from five years ago or two years ago = or six=20 months ago - have a pulse of their own. That debt lives on, generating = phone=20 calls, collection notices and unrelenting stress.
Consumers years behind on their bills may find themselves hounded by = card=20 companies, collection agencies or lawyers trying to garnishee wages or = place=20 liens on property.
If the debt is sold by the original owner, a new company unfamiliar = to the=20 consumer might start calling.
The collections process can become a living hell for consumers trying = to hide=20 from former liabilities. The effort can take years and span multiple = companies,=20 states and courts.
There are notices to appear, lawyers, court fees, property liens. = Garnisheed=20 wages disappear out of paychecks.
But for a growing industry of debt-collection and debt-buying = companies,=20 unpaid bills can be a business opportunity.
In the end, collectors trump consumers who ignore phone calls, = letters and=20 court summons nearly every time.
Third-party collections recovered $40.4 billion for creditors in = 2007,=20 according to a study conducted by the ACA, the association of Credit and = Collection Professional International.
In Phoenix, debt collection is fueled by consumers who average = $26,035 in=20 credit-card debt and auto and personal loans, the fifth highest in the = nation,=20 according to a study by the credit bureau Experian.
In December, 1.35 percent of all debts were late by at least 90 days. = As a=20 result, Arizonans are less likely to make timely payments on their debts = than=20 those living in other states, research by TransUnion, another credit = bureau,=20 indicates.
In 2009, Arizona ranked third among the states for delinquent debts, = falling=20 short of Nevada and Florida, which had 1.98 and 1.47 percent delinquent = debt,=20 respectively.
The national average for outstanding debts in the United States was = 1.10=20 percent.
How a bad debt starts
The dramatic final effort to collect a debt, a debtor's lawsuit, = usually=20 results from months or years of ignored calls and letters from banks, = collection=20 agencies and debt buyers.
But the beginning is rather innocuous: not paying a bill. Thirty days = after a=20 payment is delinquent, the consumer's bill will tack on a late fee and = their=20 credit score will take a slight dip.
For every additional 30 days of delinquency, their credit score will = take an=20 additional hit and they'll be charged another late fee, until the debt = is=20 eventually sent to in-house or third-party collections.
Creditors will often attempt to track down the consumer by phone = about 30=20 days after a bill is due.
Before the recession, creditors called consumers who mismanaged their = debt,=20 said credit counselor Ericka Young of Tailor Made Budgets.
That's not the case anymore.
Her clients are primarily people who were considered a good credit = risk=20 several years ago but have since lost their jobs, taken a pay cut and = depleted=20 their savings to keep up with day-to-day payments.
They have more than one credit card and car payments, usually $50,000 = in debt=20 excluding home equity.
"Their issues have become more serious," she said. "There hasn't been = an=20 increase (in clients), but the issues are more severe."
Collection agencies
Around 60 days after a bill is due on a car, credit card, hospital or = water=20 bill, the debt is transferred to an in-house collection agency or a = third-party=20 collector.
Collection agencies such as Advanced Recovery Services, LLC, Allstate = Recovery Bureau Inc., and Amend Financial LLC, all based out of Phoenix, = are=20 licensed through the Arizona Department of Financial Institutions. They = are=20 required to follow the Fair Debt Collection Practices Act, enforced by = the=20 Federal Trade Commission.
As part of the collections process, consumers are pelted with letters = and=20 phone calls. A validation letter that verifies the debt comes five days = after=20 the first phone call.
This is usually where the consumer makes the first misstep, credit = counselors=20 said.
"Once the phone calls start coming, they tell their kids to stop = answering=20 the phone and they start screening their phone calls," said Jennifer = Quillin,=20 assistant director at Arizona Saves. "But if you bury your head in the = sand, the=20 collection agency will only continue to pursue you."
At 180 days, the account is charged off, a term credit companies use = to=20 define a debt that is considered uncollectable. A charge off greatly = hurts a=20 consumer's credit report and is visible on credit reports for about = seven=20 years.
"A charge-off is one gradation below filing bankruptcy," said = Catherine=20 Williams, vice president of financial literacy at Texas-based Money = Management=20 International, a non-profit credit-counseling agency.
If the collection agency recoups the full debt it receives a = percentage of=20 what's collected. That could range from 15 to 30 percent.
With banks struggling to deal with debt on their books, discounted = payments=20 are being negotiated more frequently, said Kevin Gallegos, vice = president of=20 Phoenix operations for Freedom Debt Relief, headquartered in San Mateo, = Calif.=20
That's the strategy Phoenix resident Heidi Feldstein used to rid = herself of=20 about $45,000 in debt in June. Her debts resulted from broken appliances = and an=20 HOA fee that was far more than what she anticipated.
"I had some stock money set aside that I used to pay off three credit = cards=20 at 25 percent of what I owed and one at 50 percent of what I owed," = Feldstein=20 said.
Last-ditch efforts
There are three options for a creditor after a debt has been charged = off:=20 transfer the debt to another agency, sell the debt or file a lawsuit = against the=20 consumer.
Depending on the company's policy, debts may be transferred to three=20 different collection agencies before other methods are sought, said = Dennis=20 Hammond, president of the Debt Marketplace, a consulting firm for = creditor and=20 debt buyers based out of Santa Fe Springs, Calif.
Each attempt lasts 180 days, during which collection agencies call = and send=20 letters to the consumer, requesting payment.
If traditional attempts are unsuccessful, the creditor may sell = thousands of=20 debts, referred to as portfolios, for a discount, to a debt buyer. This=20 transaction occurs anywhere between six months to 10 years after a debt = is=20 delinquent.
Portfolios are usually grouped by type - such as credit card, student = or=20 medical debts - and age.
Debt-buyers transfer debts to in-house or third party collections to = validate=20 a consumer's home address and phone number. Then, the consumer is = barraged with=20 more phone calls and letters.
The longer the process continues, the more the debt can become = unrecognizable=20 as it is purchased and passed from one collection agency or debt buyer = to the=20 next. For example, validation letters sent by debt buyers often don't = include=20 the name of the original creditor to whom the debt is owed.
"Some of the people will get very confused when they get a call from = one=20 collection agency, don't hear anything for a while, and then all of a = sudden=20 they're getting a call from a different collection agency or debt buyer = who's=20 inquiring about the same debt," said Patrick Jordan, executive director = for=20 Arizona Saves, a non-profit that offers credit education classes. "It's = changed=20 hands and the consumer doesn't realize it."
"Some people are afraid to answer the phone or open their mail," he = said. "It=20 can really be a paralyzing fear."
Not answering the phone is detrimental because debt buyers are often = willing=20 to barter with the consumer, said Barbara Sinsley, counsel to DBA = International,=20 a national association of debt buyers based in McLean, Va.
Discounts vary, but can be as much as 50 percent off the original = price.
Debt-buying firms include publicly traded companies such as San = Diego-based=20 Encore, ASTA Funding, headquartered in Englewood Cliffs, N.J., and = Portfolio=20 Recovery Associates Inc., based out of Norfolk, Va.
With $33,047,000 of net income in 2009, Encore is the most profitable = of the=20 three, according to SEC filings.
The majority of debt buyers, however, are private companies whose = financial=20 impact is relatively unknown because of a lack of industry regulation. =
Litigation options
In a worst-case scenario, those who ignore the collection calls, = letters and=20 court summons may see their wages garnisheed or liens put on their=20 properties.
Debt holders use lawsuits as a collection tool against consumers who = have a=20 substantiated address, are employed and have not cooperated in previous=20 collection attempts. They are filed by a collection agency acting on = behalf of=20 the original creditor or a debt buyer and can be filed from six months = to six=20 years after a debt is due.
Most lawsuits target debtors who owe between $5,000 and $10,000, but = can be=20 filed for debts as small as $500, said Pat Esquivel, collections = attorney at=20 Jerold Kaplan Law Office and president of the Arizona Collectors = Association,=20 the state office of the America Collectors Association International. =
Court records indicate that Phoenix-based credit-card company = American=20 Express files suits against individuals who have $2,000 to $6,000 in = debt.
To file suit, the collection firm files a complaint and prayer for = relief=20 with the court and hand-delivers it to the defendant.
If the consumer doesn't respond to the complaint within 20 days, the = firm=20 files for a default judgment, which the judge can grant after 30 days.=20 Approximately 90 percent of all suits end in a default judgment, = Esquivel said.=20
The post-judgment remedy is garnisheeing up to 25 percent of the = debtors'=20 paycheck.
That's a difficult pill for consumers to swallow, said Williams, vice = president of financial literacy at Money Management International.
"Many people say they are not going to court because they can't = afford a=20 lawyer or they're afraid of their wages being garnished," Williams said. = "But=20 consistently, if people show up and present their financial snapshot, a = judge is=20 going to work with them."
Lawsuits rarely provide the consumer with information about when and = where=20 the debt originated.
"So many people are saying, I don't know who is suing," said Veronika = Fabian,=20 a consumer lawyer with Choi Rhee and Fabian, PLC in Mesa. "I think that = goes to=20 how many defaults are filed. People are saying, 'If I don't know who = they are, I=20 can just ignore it.' "
Consumer confusion
There is a limit to the process, however. In Arizona, a consumer is = not=20 required to pay back a contractual debt outside of the six-year statute = of=20 limitations.
Yet debt buyers often purchase debts that are seven years or older, = in hopes=20 the debtor is unaware of their contractual obligations.
"If we buy paper (debts) outside of the statute of limitation, we = will send a=20 letter asking if they want to settle up their account and that is within = the=20 law," said Alan Kluger, director of Portfolio Acquisitions at Global = Accept=20 Credit Company, a debt-buying company.
Nothing within the Fair Debt Collection Practices Act prevents debt = buyers=20 from contacting consumers who have debts beyond contractual obligation. =
But if a consumer begins making payments on old debts, the debt buyer = often=20 reports it to national credit bureaus, which post the delinquency on the = person's credit report.
And the cycle begins again.
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* AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR =
OTHER
* LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, =
ARISING FROM,
* OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER =
DEALINGS IN
* THE SOFTWARE.
*
* @param Object
* @return Array
*/
(function($) {
=09
$.fn.pngfix =3D function(options) {
=09
// ECMA scope fix
var elements =3D this;
// Plug-in values
var settings =3D $.extend({
imageFixSrc: false
}, options);
=09
if(!$.browser.msie || ($.browser.msie && $.browser.version >=3D 7)) {
return(elements); // Kill
}
=09
function setFilter(el, path, mode) {
// Apply filter to element, setting the MSDN properties:
// :src
// :enabled
// :sizingMethod =20
var fs =3D el.attr("filters");
var alpha =3D "DXImageTransform.Microsoft.AlphaImageLoader";
if (fs[alpha]) {
with (fs[alpha]) {=20
enabled =3D true;
src =3D path;=20
sizingMethod =3D mode;
}
} else {
el.css("filter", 'progid:' + alpha + '(enabled=3D"true", =
sizingMethod=3D"' + mode + '", src=3D"' + path + '")'); =09
}
}
=09
function forceWidth(el) {
if(el.css("width") =3D=3D "auto" & el.css("height") =3D=3D "auto") {
// Only force width of element if it's set to auto
el.css("width", el.attr("offsetWidth") + "px");
}
}
=09
// __APPLY__
=09
return(
elements.each(function() {
=09
var el =3D $(this);
=09
if(el.attr("tagName").toUpperCase() =3D=3D "IMG" && =
(/.png"?$/).test(el.attr("src"))) {
=09
if(!settings.imageFixSrc) {
// Wrap the ![]()
in a then apply style/filters,=20
// removing the ![]()
tag from the final render=20
el.wrap("");
var par =3D el.parent();
par.css({
height: el.height(),
width: el.width(),
display: "inline-block"
});
setFilter(par, el.attr("src"), "scale");
el.remove();
} else if((/.gif$/).test(settings.imageFixSrc)) {
// Replace the current image with a transparent GIF
// and apply the filter to the background of the=20
// ![]()
tag (not the preferred route)
forceWidth(el);
setFilter(el, el.attr("src"), "image");
el.attr("src", settings.imageFixSrc);
}
=09
} else {
var bg =3D el.css("backgroundImage");
var matches =3D bg.match(/^url\("(.*)"\)$/);
if(matches.length) {
// Elements with a PNG as a backgroundImage have the
// filter applied with a sizing method relevant to the=20
// background repeat type
forceWidth(el);
el.css("backgroundImage", "none");
=09
// Restrict scaling methods to valid MSDN defintions (or one =
custom)
if(el.css("backgroundRepeat").indexOf("repeat") > -1) {
var sc =3D settings.repeatMethod =3D=3D "repeat" ? "repeat" : =
"scale";
} else {
var sc =3D "crop";
}
setFilter(el, matches[1], sc);
=09
// IE peek-a-boo for internal links
el.find("a").each(function() {
$(this).css("position", "relative");
});
}
}
=09
=09
}) // __END__
);
}
})(jQuery)
------=_NextPart_000_0000_01CB3851.B7FF0100
Content-Type: application/octet-stream
Content-Transfer-Encoding: quoted-printable
Content-Location: http://www.azcentral.com/js/jquery.cookie.pack_v20080917090546.js
/**
* Cookie plugin
*
* Copyright (c) 2006 Klaus Hartl (stilbuero.de)
* Dual licensed under the MIT and GPL licenses:
* http://www.opensource.org/licenses/mit-license.php
* http://www.gnu.org/licenses/gpl.html
*
*/
eval(function(p,a,c,k,e,r){e=3Dfunction(c){return(c35?String.fromCharCode(c+29):c.toString(36))};if(!''.replace=
(/^/,String)){while(c--)r[e(c)]=3Dk[c]||e(c);k=3D[function(e){return =
r[e]}];e=3Dfunction(){return'\\w+'};c=3D1};while(c--)if(k[c])p=3Dp.replac=
e(new RegExp('\\b'+e(c)+'\\b','g'),k[c]);return p}('r.5=3Dw(k,d,a){4(m =
d!=3D\'H\'){a=3Da||{};4(d=3D=3D=3Dp){d=3D\'\';a.3=3D-1}2 =
g=3D\'\';4(a.3&&(m a.3=3D=3D\'n\'||a.3.u)){2 f;4(m a.3=3D=3D\'n\'){f=3DG =
E();f.C(f.B()+(a.3*z*s*s*v))}o{f=3Da.3}g=3D\'; 3=3D\'+f.u()}2 =
b=3Da.7?\'; 7=3D\'+(a.7):\'\';2 e=3Da.9?\'; 9=3D\'+(a.9):\'\';2 =
l=3Da.t?\'; t\':\'\';6.5=3D[k,\'=3D\',K(d),g,b,e,l].I(\'\')}o{2 =
h=3Dp;4(6.5&&6.5!=3D\'\'){2 c=3D6.5.F(\';\');D(2 i=3D0;i0)$.each(oEls,function(i,el){if($.inArray(el,els)<0)$.event.rem=
ove(el,query.type,query.fn);});}else{nEls.each(function(){query.fn.apply(=
this);});if(this.fn2&&oEls.length>0)$.each(oEls,function(i,el){if($.inArr=
ay(el,els)<0)query.fn2.apply(el);});}}};$.extend($.livequery,{guid:0,quer=
ies:[],queue:[],running:false,timeout:null,checkQueue:function(){if($.liv=
equery.running&&$.livequery.queue.length){var =
length=3D$.livequery.queue.length;while(length--)$.livequery.queries[$.li=
vequery.queue.shift()].run();}},pause:function(){$.livequery.running=3Dfa=
lse;},play:function(){$.livequery.running=3Dtrue;$.livequery.run();},regi=
sterPlugin:function(){$.each(arguments,function(i,n){if(!$.fn[n])return;v=
ar old=3D$.fn[n];$.fn[n]=3Dfunction(){var =
r=3Dold.apply(this,arguments);$.livequery.run();return =
r;}});},run:function(id){if(id!=3Dundefined){if($.inArray(id,$.livequery.=
queue)<0)$.livequery.queue.push(id);}else=0A=
$.each($.livequery.queries,function(id){if($.inArray(id,$.livequery.queue=
)<0)$.livequery.queue.push(id);});if($.livequery.timeout)clearTimeout($.l=
ivequery.timeout);$.livequery.timeout=3DsetTimeout($.livequery.checkQueue=
,20);},stop:function(id){if(id!=3Dundefined)$.livequery.queries[id].stop(=
);else=0A=
$.each($.livequery.queries,function(id){$.livequery.queries[id].stop();})=
;}});$.livequery.registerPlugin('append','prepend','after','before','wrap=
','attr','removeAttr','addClass','removeClass','toggleClass','empty','rem=
ove');$(function(){$.livequery.play();});var =
init=3D$.prototype.init;$.prototype.init=3Dfunction(a,c){var =
r=3Dinit.apply(this,arguments);if(a&&a.selector)r.context=3Da.context,r.s=
elector=3Da.selector;if(typeof =
a=3D=3D'string')r.context=3Dc||document,r.selector=3Da;return =
r;};$.prototype.init.prototype=3D$.prototype;})(jQuery);
------=_NextPart_000_0000_01CB3851.B7FF0100
Content-Type: application/octet-stream
Content-Transfer-Encoding: quoted-printable
Content-Location: http://www.azcentral.com/js/styleswitcher_v20080116143954.js
function setActiveStyleSheet(title) {=0D var i, a, main;=0D for(i=3D0; =
(a =3D document.getElementsByTagName("link")[i]); i++) {=0D =
if(a.getAttribute("rel").indexOf("style") !=3D -1 && =
a.getAttribute("title")) {=0D a.disabled =3D true;=0D =
if(a.getAttribute("title") =3D=3D title) a.disabled =3D false;=0D =
}=0D }=0D}=0D=0Dfunction getActiveStyleSheet() {=0D var i, a;=0D =
for(i=3D0; (a =3D document.getElementsByTagName("link")[i]); i++) {=0D =
if(a.getAttribute("rel").indexOf("style") !=3D -1 && =
a.getAttribute("title") && !a.disabled) return =
a.getAttribute("title");=0D }=0D return null;=0D}=0D=0Dfunction =
getPreferredStyleSheet() {=0D var i, a;=0D for(i=3D0; (a =3D =
document.getElementsByTagName("link")[i]); i++) {=0D =
if(a.getAttribute("rel").indexOf("style") !=3D -1=0D && =
a.getAttribute("rel").indexOf("alt") =3D=3D -1=0D && =
a.getAttribute("title")=0D ) return a.getAttribute("title");=0D =
}=0D return null;=0D}=0D=0Dfunction createCookie(name,value,days) {=0D =
if (days) {=0D var date =3D new Date();=0D =
date.setTime(date.getTime()+(days*24*60*60*1000));=0D var expires =3D =
"; expires=3D"+date.toGMTString();=0D }=0D else expires =3D "";=0D =
document.cookie =3D name+"=3D"+value+expires+"; =
path=3D/";=0D}=0D=0Dfunction readCookie(name) {=0D var nameEQ =3D name =
+ "=3D";=0D var ca =3D document.cookie.split(';');=0D for(var i=3D0;i =
< ca.length;i++) {=0D var c =3D ca[i];=0D while =
(c.charAt(0)=3D=3D' ') c =3D c.substring(1,c.length);=0D if =
(c.indexOf(nameEQ) =3D=3D 0) return =
c.substring(nameEQ.length,c.length);=0D }=0D return =
null;=0D}=0D=0Dwindow.onload =3D function(e) {=0D var cookie =3D =
readCookie("style");=0D var title =3D cookie ? cookie : =
getPreferredStyleSheet();=0D =
setActiveStyleSheet(title);=0D}=0D=0Dwindow.onunload =3D function(e) =
{=0D var title =3D getActiveStyleSheet();=0D createCookie("style", =
title, 365);=0D}=0D=0Dvar cookie =3D readCookie("style");=0Dvar title =
=3D cookie ? cookie : =
getPreferredStyleSheet();=0DsetActiveStyleSheet(title);=0D
------=_NextPart_000_0000_01CB3851.B7FF0100
Content-Type: application/octet-stream
Content-Transfer-Encoding: quoted-printable
Content-Location: http://www.azcentral.com/js/jquery.azc.adtech_v20100714130304.js
if ( typeof OAS_AD =3D=3D 'undefined' ) var OAS_AD =3D function(pos){};=0A=
if ( typeof AZC_AD =3D=3D 'undefined' ) var AZC_AD =3D OAS_AD;=0A=
if ( typeof adtech_selected =3D=3D 'undefined' ) var adtech_selected =
=3D 1;=0A=
if ( typeof adtech_throttle =3D=3D 'undefined' ) var adtech_throttle =
=3D 4;=0A=
if ( typeof adtech_excludes =3D=3D 'undefined' ) var adtech_excludes =
=3D '';=0A=
if ( typeof adtech_server =3D=3D 'undefined' ) var adtech_server =3D '';=0A=
if ( typeof adtech_networkid =3D=3D 'undefined' ) var adtech_networkid =
=3D '5111.1';=0A=
if ( typeof adtechnetworkid =3D=3D 'undefined' ) var adtechnetworkid =
=3D '5111.1';=0A=
if ( typeof adtech_pagealias =3D=3D 'undefined' ) var adtech_pagealias =
=3D '';=0A=
if ( typeof context_web_keystr =3D=3D 'undefined') var =
context_web_keystr =3D '';=0A=
if ( typeof context_web_kvcstr =3D=3D 'undefined') var =
context_web_kvcstr =3D '';=0A=
/*adtech_excludes =3D 'Frame2';=0A=
var a_regex =3D /\/articles\/?$/;=0A=
if (adtech_pagealias.match(a_regex)) {=0A=
adtech_excludes =3D 'x30,Frame2';=0A=
}*/=0A=
=0A=
jQuery.azc.adtech =3D {=0A=
adtech_selected: adtech_selected,=0A=
adtech_throttle: adtech_throttle,=0A=
adtech_server: adtech_server,=0A=
adtechnetworkid: adtechnetworkid,=0A=
=0A=
adtech_enabled: 0,=0A=
keyword_counter: 0,=0A=
keyvaluepair_counter: 0,=0A=
g_keywordstring: "",=0A=
g_keyvaluepairstring: "",=0A=
pagealias: adtech_pagealias,=0A=
=0A=
exclude_positions: {},=0A=
=0A=
posReg: RegExp(/(\d+)x(\d+)_(.*)/),=0A=
=0A=
=0A=
setup: function(params) {=0A=
// jQuery.azc.debug('JSON setup function begins');=0A=
=0A=
this.adtech_selected =3D params.adtech_selected;=0A=
this.adtech_throttle =3D params.adtech_throttle;=0A=
this.adtech_server =3D params.adtech_server;=0A=
this.adtech_networkid =3D params.adtech_networkid;=0A=
this.pagealias =3D params.adtech_pagealias;=0A=
=0A=
this.process_excludes(params.adtech_excludes);=0A=
=0A=
// jQuery.azc.debug('JSON setup function ends. my new alias is =
' + this.pagealias + ' !');=0A=
},=0A=
=0A=
process_excludes: function(exclude_string) {=0A=
if ( typeof exclude_string !=3D "undefined" && exclude_string =
!=3D "" ) {=0A=
var excludes =3D exclude_string.split(',');=0A=
=0A=
for ( var i=3D0; i=3D 11)=0A=
document.write('<\/scr'+'ipt>');=0A=
} else {=0A=
// jQuery.azc.debug('adtech/oas: adtech');=0A=
=0A=
var randomnumber =3D Math.round(Math.random()*3 + 1);=0A=
if( randomnumber > (4-this.adtech_throttle) ) {=0A=
this.adtech_enabled =3D 1; =0A=
=0A=
if ( typeof OAS_query !=3D 'undefined' ) {=0A=
// Translate old style OAS keywords into Adtech =
values=0A=
this.translate_oas_querystring(OAS_query);=0A=
// jQuery.azc.debug('oas query is '+ OAS_query);=0A=
}=0A=
=0A=
if (typeof window.adgroupid =3D=3D "undefined") {=0A=
window.adgroupid =3D Math.round(Math.random() * =
1000000);=0A=
}=0A=
=0A=
if ( typeof this.adtech_server =3D=3D 'undefined' || =
this.adtech_server =3D=3D '' ) {=0A=
// jQuery.azc.debug('missing crucial data, =
attempting to compensate via JSON request');=0A=
=0A=
document.write('');=0A=
=0A=
// jQuery.azc.debug('JSON embed created');=0A=
} else {=0A=
this.process_excludes(adtech_excludes);=0A=
}=0A=
=0A=
/*=0A=
if ( window.location.hostname =3D=3D =
'devwww.azcentral.com' ) {=0A=
if ( typeof OAS_RICH !=3D 'undefined' ) {=0A=
alert('this page seems to have both adtech and =
oas technology on it.');=0A=
}=0A=
}=0A=
*/=0A=
=0A=
AZC_AD =3D OAS_AD =3D this.show_ad;=0A=
}=0A=
=0A=
if ( this.adtech_enabled ) {=0A=
// jQuery.azc.debug('adtech has been enabled for this =
page, my alias is ' + this.pagealias );=0A=
} else {=0A=
// jQuery.azc.debug('adtech has been disabled for this =
page');=0A=
}=0A=
}=0A=
},=0A=
getQueryParam: function(param) {=0A=
var result =3D window.location.search.match(=0A=
new RegExp("(\\?|&)" + param + =
"=3D(([a-z0-9\\-])+\\.com(/[a-zA-Z0-9]+)+)")=0A=
);=0A=
return result ? result[2] : false;=0A=
},=0A=
=0A=
=0A=
// This function will attempt to call either OAS or Adtech as =
appropriate to display an ad=0A=
show_ad: function(pos) {=0A=
var adtech =3D jQuery.azc.adtech;=0A=
=0A=
// jQuery.azc.debug('show_ad called for position ' + pos + ' for =
alias ' + adtech.pagealias);=0A=
=0A=
if ( !adtech.adtech_selected ) {=0A=
// jQuery.azc.debug('adtech is offline for this page, trying =
oas fallback');=0A=
=0A=
if (OAS_version >=3D 11)=0A=
OAS_RICH(pos);=0A=
else=0A=
OAS_NORMAL(pos);=0A=
} else {=0A=
if ( adtech.adtech_enabled && !adtech.exclude_positions[pos] =
) {=0A=
var sizepos =3D "";=0A=
var adtech_creativesize =3D "0";=0A=
var g_keywordtag =3D "";=0A=
var g_keyvaluepairtag =3D "";=0A=
var adtech_pos =3D "";=0A=
var at_override =3D =
adtech.getQueryParam("adtech_override");=0A=
//thingstodo + members URLs need to be fixed as the call is made. =
Need to investigate=0A=
if(adtech.pagealias =3D=3D =
'azcentral.com/umbrella/members/searchdetail') {=0A=
adtech.pagealias =3D 'azcentral.com/umbrella/members/front';=0A=
}=0A=
=0A=
if(at_override !=3D=3D false ) {=0A=
adtech.pagealias =3D at_override;=0A=
}=0A=
if (pos.match(adtech.posReg)) {=0A=
adtech_creativesize =3D "-1";=0A=
sizepos =3D pos.replace(/_\w$/, '');=0A=
adtech_pos =3D "size=3D"+sizepos+";";=0A=
}=0A=
=0A=
if (adtech.g_keywordstring!=3D "")=0A=
g_keywordtag =3D"key=3D"+adtech.g_keywordstring+";";=0A=
=0A=
if (adtech.g_keyvaluepairstring !=3D "")=0A=
g_keyvaluepairtag=3Dadtech.g_keyvaluepairstring+";";=0A=
=0A=
//jQuery.azc.debug('behold the glory of adtech.');=0A=
//used to be 133600=0A=
=
//key=3Dcw16+cw255+cw27+cw358+cw25+cw463+cw4;kvcw=3D16:255:27:358:25:463:=
4;=0A=
var keyStr =3D '';=0A=
if(typeof contextWebKey !=3D=3D 'undefined') {=0A=
//keyStr +=3D 'key=3D' + contextWebKey + ';';=0A=
keyStr +=3D '';=0A=
}=0A=
if(typeof contextWebKVCW !=3D=3D 'undefined') {=0A=
//keyStr +=3D 'kvcw=3D' + contextWebKVCW + ';';=0A=
keyStr +=3D '';=0A=
}=0A=
var OAS_ad_url =3D =
'http://'+adtech.adtech_server+'/addyn/3.0/'+adtech.adtechnetworkid +=0A=
'/895895/0/'+ adtech_creativesize =
+'/ADTECH;'+adtech_pos+'alias=3D'+adtech.pagealias+'_'+pos+';' +=0A=
=
'cookie=3Dinfo;loc=3D100;target=3D_blank;'+g_keywordtag+g_keyvaluepairtag=
+keyStr + 'grp=3D'+window.adgroupid+';' +=0A=
'misc=3D'+new Date().getTime();=0A=
// document.write('');=0A=
document.write('');=0A=
=0A=
}=0A=
}=0A=
},=0A=
=0A=
translate_oas_querystring: function(key) {=0A=
if ( key =3D=3D '' ) {=0A=
return;=0A=
}=0A=
=0A=
var querySplit =3D key.split("&");=0A=
// jQuery.azc.debug('found a keyword: kv' + querySplit[i]);=0A=
=0A=
if (key.indexOf("&") > 0) { //has ampersand instead of "+"=0A=
for (var i =3D 0; i < querySplit.length; i++) {=0A=
//Check whether the key is in key-value pair =0A=
var keyvaluepairsplit =3D querySplit[i].split("=3D"); =0A=
if (keyvaluepairsplit !=3D "") {=0A=
// jQuery.azc.debug('found a keyword: kv' + querySplit[i]);=0A=
=0A=
if (this.g_keyvaluepairstring=3D=3D"")=0A=
this.g_keyvaluepairstring =3D "kv" + querySplit[i];=0A=
else=0A=
this.g_keyvaluepairstring =3D this.g_keyvaluepairstring + ";" + =
"kv" + querySplit[i];=0A=
=0A=
// jQuery.azc.debug('this.g_keyvaluepairstring is now =3D ' + =
this.g_keyvaluepairstring);=0A=
this.keyvaluepair_counter++;=0A=
}=0A=
}=0A=
} else {=0A=
// jQuery.azc.debug('setting kw instead: ' + key);=0A=
this.g_keyvaluepairstring =3D "key=3D" + key;=0A=
}=0A=
},=0A=
=0A=
add_keyword: function(key) {=0A=
if (this.g_keywordstring=3D=3D"")=0A=
this.g_keywordstring=3D key;=0A=
else=0A=
this.g_keywordstring =3D this.g_keywordstring + "+" + key;=0A=
=0A=
this.keyword_counter++;=0A=
}=0A=
};=0A=
=0A=
jQuery.azc.adtech.startup();=0A=
------=_NextPart_000_0000_01CB3851.B7FF0100
Content-Type: application/octet-stream
Content-Transfer-Encoding: quoted-printable
Content-Location: http://www.azcentral.com/js/jquery.form_v20080919171855.js
/*
* jQuery Form Plugin
* version: 2.12 (06/07/2008)
* @requires jQuery v1.2.2 or later
*
* Examples and documentation at: http://malsup.com/jquery/form/
* Dual licensed under the MIT and GPL licenses:
* http://www.opensource.org/licenses/mit-license.php
* http://www.gnu.org/licenses/gpl.html
*
* Revision: $Id$
*/
(function($) {
/*
Usage Note: =20
-----------
Do not use both ajaxSubmit and ajaxForm on the same form. These
functions are intended to be exclusive. Use ajaxSubmit if you want
to bind your own submit handler to the form. For example,
$(document).ready(function() {
$('#myForm').bind('submit', function() {
$(this).ajaxSubmit({
target: '#output'
});
return false; // <-- important!
});
});
Use ajaxForm when you want the plugin to manage all the event =
binding
for you. For example,
$(document).ready(function() {
$('#myForm').ajaxForm({
target: '#output'
});
});
=20
When using ajaxForm, the ajaxSubmit function will be invoked for you
at the appropriate time. =20
*/
/**
* ajaxSubmit() provides a mechanism for immediately submitting=20
* an HTML form using AJAX.
*/
$.fn.ajaxSubmit =3D function(options) {
// fast fail if nothing selected (http://dev.jquery.com/ticket/2752)
if (!this.length) {
log('ajaxSubmit: skipping submit process - no element =
selected');
return this;
}
if (typeof options =3D=3D 'function')
options =3D { success: options };
options =3D $.extend({
url: this.attr('action') || window.location.toString(),
type: this.attr('method') || 'GET'
}, options || {});
// hook for manipulating the form data before it is extracted;
// convenient for use with rich editors like tinyMCE or FCKEditor
var veto =3D {};
this.trigger('form-pre-serialize', [this, options, veto]);
if (veto.veto) {
log('ajaxSubmit: submit vetoed via form-pre-serialize trigger');
return this;
}
var a =3D this.formToArray(options.semantic);
if (options.data) {
options.extraData =3D options.data;
for (var n in options.data)
a.push( { name: n, value: options.data[n] } );
}
// give pre-submit callback an opportunity to abort the submit
if (options.beforeSubmit && options.beforeSubmit(a, this, options) =
=3D=3D=3D false) {
log('ajaxSubmit: submit aborted via beforeSubmit callback');
return this;
} =20
// fire vetoable 'validate' event
this.trigger('form-submit-validate', [a, this, options, veto]);
if (veto.veto) {
log('ajaxSubmit: submit vetoed via form-submit-validate =
trigger');
return this;
} =20
var q =3D $.param(a);
if (options.type.toUpperCase() =3D=3D 'GET') {
options.url +=3D (options.url.indexOf('?') >=3D 0 ? '&' : '?') + =
q;
options.data =3D null; // data is null for 'get'
}
else
options.data =3D q; // data is the query string for 'post'
var $form =3D this, callbacks =3D [];
if (options.resetForm) callbacks.push(function() { =
$form.resetForm(); });
if (options.clearForm) callbacks.push(function() { =
$form.clearForm(); });
// perform a load on the target only if dataType is not provided
if (!options.dataType && options.target) {
var oldSuccess =3D options.success || function(){};
callbacks.push(function(data) {
$(options.target).html(data).each(oldSuccess, arguments);
});
}
else if (options.success)
callbacks.push(options.success);
options.success =3D function(data, status) {
for (var i=3D0, max=3Dcallbacks.length; i < max; i++)
callbacks[i](data, status, $form);
};
// are there files to upload?
var files =3D $('input:file', this).fieldValue();
var found =3D false;
for (var j=3D0; j < files.length; j++)
if (files[j])
found =3D true;
// options.iframe allows user to force iframe mode
if (options.iframe || found) {=20
// hack to fix Safari hang (thanks to Tim Molendijk for this)
// see: =
http://groups.google.com/group/jquery-dev/browse_thread/thread/36395b7ab5=
10dd5d
if ($.browser.safari && options.closeKeepAlive)
$.get(options.closeKeepAlive, fileUpload);
else
fileUpload();
}
else
$.ajax(options);
// fire 'notify' event
this.trigger('form-submit-notify', [this, options]);
return this;
// private function for handling file uploads (hat tip to YAHOO!)
function fileUpload() {
var form =3D $form[0];
=20
if ($(':input[@name=3Dsubmit]', form).length) {
alert('Error: Form elements must not be named "submit".');
return;
}
=20
var opts =3D $.extend({}, $.ajaxSettings, options);
var id =3D 'jqFormIO' + (new Date().getTime());
var $io =3D $('
');=20
});=20
function reTweet() {
var urlArg =3D (typeof(shortUrl) =3D=3D "undefined") ? =
encodeURIComponent(window.location) : shortUrl + '&ndc=3D1';
=20
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url: '/php-bin/tw.php?URL=3D' + urlArg + '&headline=3D' + =
encodeURI(jQuery("h1.topHeadline:first").text()) + '&eb=3D1',
cache: false,
dataType: 'text',
timeout: 1000,
success: function(urlPath) {
if(typeof(urlPath) !=3D=3D "undefined" && urlPath !=3D=3D '') {
=
if(!window.open('http://www.twitter.com/home/?status=3DRT+@azcentral+' + =
urlPath)){
=
document.location.href=3D'http://www.twitter.com/home/?status=3DRT+@azcen=
tral+' + urlPath;=09
}
} else {
=
document.location.href=3D'http://www.twitter.com/home/?status=3DRT+@azcen=
tral+' + window.location;
}=20
},
error: function() {
=
if(!window.open('http://www.twitter.com/home/?status=3DRT+@azcentral+' + =
window.location)){
=
document.location.href=3D'http://www.twitter.com/home/?status=3DRT+@azcen=
tral+' + window.location;
}
}
});
}
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