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The Arab-American community is on high alert because of a hateful flier that is circulating.The flier promotes April 3 as "Punish a Muslim Day" and encourages violence against Muslims with an escalating point system the more outrageous the act.The fliers originated in London. They were left on the steps of several mosques there.The message is now being spread to the U.S. by way of social media and raising concerns.“We're encouraging the community to be vigilant and to have open lines of communication with local law enforcement. And, if you feel you’re in danger, call law enforcement immediately,” says American-Arab Anti-Discrimination Committee Legal and Policy Director Abed Ayoub. “ This is outrageous, this can not be happening in 2018. This is a clear sign of xenophobia, Islamophobia, and the unfortunate direction some individuals, not only in the UK, but in the United States are heading.”Ayoub says the American-Arab Anti-Discrimination Committee stands ready to help those in the community who may be harmed through any hateful acts. 1068

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TAMPA, Fla. – Two different paths led Ernest Johnson and Ronnie Reddish down the same road. Just a few weeks from Election Day, the two men met at a park in Tampa, Florida, to talk life, liberty and voting rights as a former felon.“How much time did you do?” Reddish asked Johnson.Johnson replied, “I did 28 years in prison, and I ain't got no shame in that ‘cause prison made me a man.”Now, it was Reddish’s turn to get personal.“My first time, I was 24,” he said of his first experience behind bars.Reddish spent more than 15 years of his life in prison.“They were all just for thefts and drugs,” said Reddish. “It was about making money illegally.”He’s been paying for those mistakes every day since he came home.“I really, really regret a lot of things that I did,” said Reddish. “I’m remorseful. I mean, I sit back, and now 60 years old—I think about it. Why? Why was I so dumb to do something like that?”In losing more than a decade of his freedom, Reddish lost something much more precious in the process: his right to vote.Reddish came to meet Johnson, a voting rights advocate, thinking he couldn’t vote. Reddish finished paying all his court fines earlier this year after serving his time, but he was still unsure if his rights were restored.“The language the legislation uses is confusing sometimes,” said Reddish.Reddish is talking about the language of Amendment 4, a law passed in 2018 by 65% of Florida voters.The amendment gives all former felons the right to vote, except those charged with murder or sexual crimes. However, before someone can vote, all court costs, fines and fees must be paid separately to each county the felon has a case in—an amount usually around ,500 to ,500 per person.Once all fees are paid, a person’s voting rights are automatically restored, but for many, the old systems that were in place are still top of mind.“I was under the impression that you had to go to the clemency board, which could take years,” said Reddish of how he thought he had to get his voting rights restored.That’s no longer the case, and it’s a common misconception. Amendment 4 abolished the clemency board, which automatically gave voting rights back to some, but officials say having to pay all the fines before voting is disenfranchising so many more than this law could be helping.Florida State Attorneys estimate the pay-to-vote system, as it’s often called, could keep more than 1 million former felons from voting in this upcoming election.“The constitution does not say we have to pay a tax to vote,” said Johnson.Even if a person has the money to pay, finding out how much one owes is no easy task, especially if someone owes fines multiple counties.“None of them have a uniform system to pay off fines and fees,” said Johnson. “It’s not that simple.”Johnson works with the nonprofit Florida Rights Restoration Coalition. The group is streamlining the process for as many former felons as they can. Every day, Johnson and many others go door to door, offering information, registration documents and helping pay off as many fines as they can.The group has paid off more than million in fines for former felons.This effort is supported by multiple Florida state attorneys who are fighting against the disenfranchisement they say is caused by Amendment 4.“It's creating two classes of voters: people who can afford the right to vote and people who can't,” said state attorney Andrew Warren, who represents one of the largest districts in Florida. “That's not democratic. It's not American. And in Florida, it should not be acceptable.”Warren said there is no uniform implementation of Amendment 4 across the state, and that is keeping people from voting—people like Reddish.“The confusion we've had is actually chilling people's willingness and ability to go in and register to vote and that's a bad thing for our democracy,” said Warren.To help, Warren is encouraging people to try and find out what they owe, but if they can’t figure it out by Election Day, he wants people to know: his office likely won’t take legal action against them for voting.“The standards for prosecuting someone for voter fraud is extremely high,” said Warren. “We expect that the majority of cases here are going to be people who are simply confused, and they don't know whether they're eligible to vote or not. And, doing so is not a crime in those situations because it's not on the voter to figure out. We're supposed to be making it clear to people what the law is, and what they need to do to be eligible to vote.”For Reddish, he didn’t get the answers he needed from the state. He got the truth from Johnson.He is eligible to vote. No clemency needed. Johnson was able to register him on the spot. A moment is giving Reddish his first chance to vote.“I’ve never voted in my life, and one thing about it is: my voice will count,” said Reddish with a sigh of relief and joy. “For so many years, my voice never counted. My voice will count now.”For so many who haven’t finished paying their fines, their voices may be silenced for the 2020 election, but Warren said he will not stop fighting the state to get the fines and fees requirement removed from Amendment 4.Until that happens, it will take more afternoon meetings at the park and more door knocking to give a voice to those picking up the pieces from a broken past.“Just because you’re a convicted felon doesn’t mean you’re locked out of life,” said Reddish. “We’re not third or fourth-class citizens, we’re American citizens.”Making sure every citizen has the rights they’ve earned is something Johnson, and now Reddish, are ready to fight for.“I want to join the organization,” said Reddish.They’re hoping they can bring light to as many as they can in a state where just a few new voters could swing the outcome of the 2020 election.“Voting is freedom, is democracy, is liberty,” said Johnson.“Voting gives you power,” said Reddish.If you’d like more information on Amendment 4, click HERE. For help from the Florida Rights Restoration Coalition, click HERE. 6043

Texas Democrat Beto O'Rourke is trailing in the polls in his race to unseat Republican Sen. Ted Cruz, but his effort is raising an unprecedented amount of money.O'Rourke's Senate campaign announced Friday a record-smashing third quarter fundraising haul of .1 million. It's the most ever raised in a quarter by a US Senate campaign.O'Rourke's campaign has obliterated fundraising records throughout the race, even as polls have consistently shown Cruz with a comfortable lead in the high-profile Senate contest. Last quarter, O'Rourke made headlines with what was then a record-breaking haul of .4 million.Cruz's campaign had an impressive third quarter itself, raising in million between July and the end of September. Neither campaign has yet announced their cash-on-hand total at the end of the third quarter, though O'Rourke led Cruz by over million at the end of the second quarter.The O'Rourke campaign, which has rejected PAC money, announced that the .1 million haul was "powered by 802,836 individual contributions," and said that the "majority of the fundraising c[ame] from Texas.""The people of Texas in all 254 counties are proving that when we reject PACs and come together not as Republicans or Democrats but as Texans and Americans, there's no stopping us," O'Rourke said in a statement. "This is a historic campaign of people: all people, all the time, everywhere, every single day -- that's how we're going to win this election and do something incredible for Texas and our country at this critical moment."Even as O'Rourke has enjoyed a fundraising bonanza driven by a series of viral campaign moments and the national media spotlight, the fundamentals of the race continue to favor Cruz. CNN rates the race as lean Republican.No Democrat has won statewide office in Texas since 1994, and a Quinnipiac University poll released this week found Cruz leading O'Rourke by 9 points, 54% to 45%. 1952

TALLAHASSEE, Fla. — As more schools reopen to in-person lessons, Florida's Department of Health, and many other states, are not publishing statewide data on school district COVID-19 cases."The Department is continuing to review and determine the most appropriate method for reporting outbreaks in schools," a statement from the Florida department reads.While officials may yet remedy the absence of school data — one Floridian isn't waiting.Rebekah Jones, the ousted Florida Health data expert, has partnered with Google and nonprofit FinMango to create a website called The COVID Monitor. It aims to track cases not only in schools here— but across the nation, from kindergarten to college."Pretty much everybody was like, 'this doesn't exist … this does not exist,'" Jones said. "I was like, 'OK, let's build it.'"The site sweeps up COVID-19 data from across the web. Things like press releases, news stories, info from health departments and more. It includes taking anonymous tips from school teachers.The Monitor team then verifies the details, looking for additional sources or contacting districts, before marking cases confirmed."We make sure that we check the information we're putting up there, which is for me, one of the most important elements," Jones said. "I would never want to put out inaccurate information."Officials terminated Jones from Florida Health after she made allegations the department was misrepresenting data earlier this year in the pandemic. Florida Gov. Ron DeSantis later told the press that Jones was fired for insubordination."Yeah, it's a non-issue," DeSantis said in June.Jones has since become a public figure, critical of the state's handling of COVID-19. Her new website, she hopes, will provide clarity at a time when many are seeking answers."We want people to know this is a place that they can go to," Jones said. "Letting them say, 'Hey, there is a resource out there for this.'"This story originally reported by Forrest Saunders on wptv.com. 1998