Archive for the ‘ Financial Services ’ Category

By Patricia Holland

The toilet sink combination is ideal for any bathroom with limited space. Prisons, jails, and mental hospitals prefer these units because of their anti-ligature features. Other organizations with very limited room can also benefit from the convenience of an all-in-one unit that is easy to install and designed for efficient use of water. XPB Locker offers a number of units that are ideal for institutions where basic amenities must be combined into a durable form that conserves both space and water resources.

Combination sink and toilet fixtures are manufactured from type 304 stainless steel. Stainless steel is one of the most vandal resistant materials in the industrial world. It is standard fare for anti-ligature fixtures used in correctional facilities because it is very hard to troubled inmates to damage, and almost impossible for them to break. Stainless steel combo units are also moisture resistant. Liquids do not absorb into its surface, and water evaporates very quickly before it can bead and form a breeding ground for bacteria. This quality makes the unit ideal for the tight confines of a jail cell where sanitation is always a concern.

The lavatory portion of the typical toilet sink combination features an oval bowl with multiple-hole fast drain air vents to prevent water from overflowing and spilling onto the floor. Soap dishes are molded into the countertop area and are self-draining. This prevents the buildup of soap scum and keeps the top of the unit dry during times of nonuse. Water management can be controlled with a variety of valve options. Ask your account representative about air metering, self-closing, pneumatic metering, and electric metering options.

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Vandalism is not always directed at fixtures themselves, however. Any device connected to plumbing can be utilized by angry inmates or troubled patients who wish to flood their rooms with overflowing water. To prevent this, every toilet sink combination features blowout jet flushing. This method of flushing literally blows the contents of the toilet into the waste system with a force of 30 pounds per square inch. This is normally more than enough pressure to remove any items that a mischievous individual would attempt to stop the toilet with.

Toilet sink combinations also have built-in accessories that essentially combine all the features of a restroom stall into an all-in-one unit. Accessories feature anti-ligature, security designs that prevent them from being broken off for weapons manufacture. Standard features on most combo units include toothbrush holders, towel hooks, and toilet tissue dispensers. Ask your XPB Locker account representative about configuration and customization options pertaining to specific accessories for patient or inmate requirements.

Since the toilet sink combination is designed for maximum convenience and maximum security, it follows that it should also be adaptable to a variety of installation requirements. Plumbing systems reside either behind the wall or beneath the floor. Combo sink and toilet fixtures can be ordered for either wall mounting or floor mounting, and they can be installed easily in both new construction projects and facilities undergoing extensive remodeling.

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By Alexander Bossanova

Keeping pace with the record number of people defaulting on bills due to the economic downturn, debt collection activity is on the rise. If you have bills that have defaulted and are now in collection, you have a lot of company… Chances are you are being contacted by one or more debt collection companies. In this brief article we are going to discuss what you can do to stop the debt collection calls and set yourself on the path to economic recovery.

When you are unable to pay past credit card balances, gym membership fees, etc., often these accounts are defaulted and turned over to a debt collection companies. Some of the nation’s more active debt collection companies include Takhar group, Portfolio Recovery Associates, NCO Financial, GCS, Allied Interstate, among many others.

Debt collection companies weapon of choice to collection on defaulted debts is the telephone. If they have your number, they will use it. It is not uncommon for a debtor to receive over 100 calls in a two-month period or daily calls. Sometimes debtors are called multiple times a day. These calls are often made with an automated dialer machine that will actually put you on hold to receive the call. Other times the computer dialer calls will just leave you a message demanding a return call. Either way, what you should be aware of is that debt collection calls can amount to harassment – very easily. The most common form of debt collection harassment is by way of excessive telephone calls. It does not matter if they are just ringing your number and hanging up before you answer or just ringing your number but not leaving your message, etc. Of course the worst is when you pick up the phone and they hound you about your unpaid bills every day or every other day as if they expect you to win the lottery at any moment and magically be in the position to pay off your debt!

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The Fair Debt Collection Practices Act (FDCPA) prohibits a debt collection company from harassing debtors by use of the phone or otherwise. Activity that can amount to telephone harassment includes the making of excessive telephone calls, calling before 8:00am or after 9:00pm, failing to identify the caller, failing to send written verification of the debt within five days after first contacting you by phone, and making any threats or misrepresentation regarding the debt.

The good news is that you can STOP DEBT COLLECTORS harassment. The Fair Debt Collection Practices Act (FDCPA) allows victims of such harassment to collect up to $1,000 in damages (for excessive calls, etc.) Further, the Act allows you to recover your attorney’s fees. So there is nothing scary about contacting an attorney. Your attorney’s fees will not come out of the possible $1,000 you can collect as a victim of debt collector harassment. There are Fair Debt Collection Practices Act (FDCPA) attorneys that will take your case on a contingency-fee basis, if you don’t get money, there are no attorney fees collected or paid. It is that simple. You only stand to put money in your pocket. The federal law was designed so that people in debt and being harassed would actually be able to get an attorney to assert their rights.

About the Author: To learn more about The Fair Debt Collection Practices Act and how to stop debt collectors harassment or you can watch Stop Debt Collectors Harassment Video


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