Buffalo, NY, Man Sued for Phantom Debt Collection

Buffalo, NY, Man Sued for Phantom Debt Collection Buffalo, NY, Man Sued for Phantom Debt Collection Buffalo, NY, Man Sued for Phantom Debt CollectionInside Subprime: Oct 01, 2018By Kerry ReidWe hear a lot about the personal debt loads facing Americans, which could reach a record high of $4 trillion by the end of this year.The real debt is bad enough â€" but what about “fake” or “phantom” debts? Can someone make money off collecting debts that consumers don’t actually owe?According to the Federal Trade Commission, the answer is “yes.” In June, the FTC and the New York State Attorney General’s Office filed a noncriminal complaint against two companies in western New York, alleging that they were attempting to collect on debts that they knew consumers did not owe.Buffalo News reported that the FTC and attorney general accuse the companies of obtaining the phantom debts from two known peddlers of fake debts and, even though they knew they were fake, placing those debts with collection companies.”In an interview with Dan Herbeck of the Buffalo News published September 30, one of the accused principals denied the allegations.  â€œI am not the man that the government portrays in those court papers[ ] The good person that my friends speak about â€" I’m that guy.’”Dennis Vacco, an attorney for the accused, claimed that the government left out possibly exculpatory evidence. He cited a 2016 email from a FTC lawyer to Hylan referring to what he claims are the same debt portfolios at the center of the current lawsuit.According to Vacco, the FTC lawyer alerted Hylan to the fact that the portfolios “can contain both legitimate and illegitimate debts and to, ‘proceed with extreme caution.’” Vacco noted that there was no cease-and-desist issued from the government at that time.Herbeck’s article notes that Shaevel was aware of problems with “phantom debt” in the portfolio as of 2014, at least according to a November 2014 email cited in the court papers. In that email, “Shaevel complained that there was a ‘MAJOR problem’ and ‘major FRAUD’ in some of the debt Hylan had purchased from a company based in Chicago.” That company, which according to Herbeck’s report, was accused of “deceptive and abusive” debt collection in 2016 and banned from the business in 2017, after surrendering $9 million in assets to the FTC.Nonetheless, the government asserts that Hylan continued to pursue payments through third parties on phantom debts in the portfolio into 2015. One of those parties generated more complaints to the Buffalo Better Business Bureau than any other business in the region, according to court papers.Herbeck quotes Andrew Therrein of Rhode Island, who said four different collection agencies working for Hylan harassed him for payment â€" even after he proved he didn’t have any debt with Hylan. Herbeck also reports “According to government documents, Hylan deposited almost $23.8 million into its bank accounts between 2014 and early 2018.”According to Vacco, Shaevel’s attorney, the government doesn ’t actually know itself what percentage of the debts in the portfolio mentioned in the lawsuit are “phantom.”According to Herbeck’s report, Buffalo is “a known hotbed of criminal debt collection practices.” Some companies set up shop without ever registering with the state.If you’ve been contacted by people demanding payment on debts you don’t believe you owe, there are a few things you can do, as outlined in an article by Colleen Tressler, a consumer education specialist for the FTC, published in August of 2017.First, don’t assume that just because someone has personal information â€" including your Social Security number, bank account numbers or names of relatives â€" that they’re legitimate. Many of these “phantom debt” collectors will impersonate law firms. The FTC charged a collection firm in North Carolina of doing just that in 2017.Also, understand that you cannot be arrested for failure to pay a bill, so if someone is threatening you with jail time, c hances are excellent that they are not legitimate.As Tressler notes, by law, debt collectors must send you a written document, or “validation notice,” outlining how much you owe and to whom you owe it within five days of making initial contact. If they don’t, that is also a big warning sign.Finally, if you’re being harassed by debt collectors (even for legitimate debts) with threats of jail time, you can contact your local Better Business Bureau. You can also fill out a complaint form with the FTC.  And for good measure, you   may also want to contact whatever government agency in your state handles consumer affairs and fraud. Frequently, this will be through your state attorney general’s office.For information on predatory payday loans in your area, check out all of our Subprime Reports, including:California | Illinois | Florida | TexasVisit  OppLoans  on  YouTube  |  Facebook  |  Twitter  |  LinkedIn

What Is Ethics Essay - 646 Words

Ethics is the study of right and wrong conduct. (Ruggiero, 2008) â€Å"Over the past few decades, a sizable industry has arisen to serve the demand for ready-made and even customized compositions and term papers. Many students presumably believe there is nothing morally wrong with the practice of buying one of these papers and turning it in to fulfill a course requirement.† (Assignment) Explanation to my friend on the matter: When someone decides to buy a term paper/essay they are buying words that have been already written and published by the original author without citing that original author and passing the work off as their own, this is called plagiarism. â€Å"Once ideas are put into words and published, they become intellectual property,†¦show more content†¦Ã¢â‚¬Å"Consequentialist theories (ends-based) emphasize the good that result from human actions: the pleasure, wealth, or happiness that might come about as a consequence of our individual actions or social policies.†(Lecture) With this ethic view point, it is about the person thinking about what outcomes they wish to have achieved after making the decision. I love this theory for this situation because it is trying to get people to think positive about their own choices by imagining the positive outcome they could have if they make the ethical choice. In this situation, a student who uses this theory and imagines the rewarding boastfulness of creating their own ideas and their own paper will â€Å"consequential† achieve that if they continue to think how proud of their paper and themselves if they write their own paper and receive a good grade. I believe Aristotle would have approved of both of my solutions for mainly the reason of his theories about ethics. â€Å"Socrates proposed a list of four cardinal virtues: wisdom, courage, temperance, and justice. Aristotle later expanded the list.† (Ruggiero, 2008) Therefore they shared these beliefs and virtue that â€Å"habits of character so that a virtuous person matures to live an ethical life.† (Ruggiero, 2008) I think he would have agreed to my ideas to make ethical decisions byShow MoreRelatedEthics : What Is Ethics?1669 Words   |  7 PagesWhat is Ethics? My understanding of Ethics is that it is the difference between doing something right or doing something wrong. People make choices in life that could affect them either positively or negatively. For example, when I make the choice to go to all of my classes on Monday this would be the right thing for me to do. By paying attention, by making sure I understand the material, taking notes, raising my hand and asking questions will enable me to become better prepared. I would benefitRead MoreWhat Is Ethics? Ethics Or Morals?2293 Words   |  10 PagesWhat is ethics? Ethics or morals are rules for distinguish between right and wrong, a code of professional conduct that distinguish between acceptable and unacceptable behaviour. Most of our societies also have legal rules that govern behaviour but ethical norms tend to be border and more informal that laws .An action may be legal but unethical Aim of ethical Guidance The aim of the guidelines is to allow the researcher’s or individual to make ethical judgements and decisions to be informed byRead MoreWhat Is Organizational Ethics?847 Words   |  4 PagesWhat is Organizational Ethics? According to managementstudyguide.com, organizational ethics is the way an organization should respond to the external environment. Organization ethics includes various guidelines and principles which decide the way individuals should behave at the workplace. It also refers to the code of conduct of the individuals working in a particular organization. Organizational ethics covers a wide range of topics including finance, legal compliance, safety, discriminationRead MoreWhat Are Military Ethics?1056 Words   |  5 PagesDiscussion 1. What are military ethics? Military ethics can mean a wide range of things. It can encompass all aspects of military conduct, from writing performance reviews on subordinates, to relations of military personnel with their civilian leaders, to issues related to war (Encyclopedia.com 2017). However this reflection paper will espouse on the essential characteristics of leadership choices, higher standard for military personnel, and behavioral traits that must be imparted to our membersRead MoreWhat is Business Ethics?741 Words   |  3 Pagesstudy is to point out the role that the ethics and corporate social responsibility play in the sustainability of a business in today’s world. The study will seek to an extent point out the importance of good business practices in respect to ethics and social responsibility. What is Ethics? Before we diverse into the understanding of the role of ethics in business it is vital we have a firm and clear understanding of the word ‘ethics’ itself. The word ethics has Greek roots derived from the wordRead MoreWhat Is Business Ethics?1294 Words   |  6 PagesMIS 6308 – Assignment: Business Ethics Essay (50 points) What is business ethics? Business ethics can be understood as codes that define the actions and behavior of the employees in an institution. Standards are set by every company to define what is accepted as ‘Right’ and each employee is expected to abide by these standards. For a business to run successfully it is important to abide by the set of standards that are defined. Companies around the world observe these ethical principles strictly;Read MoreWhat Is Business Ethics? Essay1117 Words   |  5 PagesA. Ethics In business everyone has the power with their ability to spend an amount of money. People have the capacity to change situations in which many individual does not. As an organization may affect some people, they might have the obligations to their employees, consumers, community and the outside world. They have the responsibility to manage or control the business in a way that it will not harm, positively the benefits like people as possible and themselves. This can be simple, thereRead MoreEthics And Ethics : Is It And What Does It Mean? Essay2424 Words   |  10 PagesEthics, what is it and what does it mean? The laymen term for ethics is simply defined as â€Å" doing what is right† but, what does that mean? The meaning of â€Å" ethics† is open to interpretation. What is right for one person may not be viewed as being right to another. Ethics has been termed by scholars in different ways. Rule –based ethics is popular among public and private entities al ike. Mid to low level employees feel they are protected from wrong or nefarious dealings, if they follow the organizationsRead MoreWhat are Morals and Ethics?963 Words   |  4 PagesTuskegee Experiment What does morals and ethics mean? Morals are basically a persons standards of behavior or beliefs concerning what is and is not acceptable for them to do. And ethics are a persons standards of behavior or beliefs concerning what is and is not acceptable for them to do. A person is always trying to have good morals and to always be ethical. One of the most controversial ethical and moral dilemmas is the Tuskegee Syphilis Experiment. This is said to be one of the most morallyRead MoreWhat Are Business Ethics?2080 Words   |  9 Pages Business Ethics Naveed Ahmed Saleem Janvekar Introduction: The survival of an organization depends upon the integration of business codes with the societal ethics. Ethics concentrates on the general nature of morals and the specific moral choice an individual makes in relationship to others. It represents the rules and regulations governing conduct of the member of a profession. The area of focus in this essay is to explore the effects of business ethics. Business ethics are a set of

Plato And Aristotle s View Of Civilian Expectations

Societal obedience is one of the foundational aspects required to ensure the functionality of ruling institutions, regardless of political ideologies or governing practices. Without collective deference, governmental growth would stagnate, and individual freedoms and liberties would be truncated as a response to civil disorder. The following paper will attempt to provide an adequate response to a phenomena which has consistently been debated and analyzed since the original sin of Adam and Eve. Utilizing textual evidence stemming from the works of Plato and Aristotle, mainly Crito and Politics, this work will focus on the Platonic and Aristotelian aspects which entice individuals to oblige and conform to the rule of law, even in situations when these laws are detrimental to themselves, or their societies. Firstly, this composition will partake in an analysis of Platonic theory regarding the roles and obligations expected of individuals within a society, referencing specific examples from Crito and other scholarly works. In succession, this paper will then dedicate a portion to Aristotle’s view of civilian expectations, and the factors which contribute to an individual’s willingness to accept and comply to governmental guidelines in his philosophical opinion. The concluding remarks of this paper will strive to provide a thoroughly scrutinized comparative analysis of the two theories in an attempt to reach an appropriate solution to the abovementioned question. In Crito,Show MoreRelatedIslamic and Christianity Essay13431 Words   |  54 Pagesthe Essay Question (1) Follow your school’s procedures for training raters. This process should include: Introduction to the task— †¢ Raters read the task †¢ Raters identify the answers to the task †¢ Raters discuss possible answers and summarize expectations for student responses Introduction to the rubric and anchor papers— †¢ Trainer leads review of specific rubric w ith reference to the task †¢ Trainer reviews procedures for assigning holistic scores, i.e., by matching evidence from the response toRead MoreInternational Management67196 Words   |  269 Pagesbusiness and the increasing importance of corporate social responsibility and sustainability in global management. We have incorporated the latest research on the increasing pressure for MNCs to adopt more â€Å"green† management practices, including Chapter 3’s opening World of International Management which includes discussion of GE’s â€Å"ecomagination† initiative and a boxed feature in that chapter on the BP oil spill in the Gulf of Mexico. We have updated discussion of and provided additional emphasis on the

What is Existentialism - 1533 Words

Existentialism is a philosophical movement that puts a lot of emphasis on, as the name suggests, existence. However, the movement stresses more on the existence of the human being in particular. Key elements of this movement with regards human existences is the question of choice, freedom and subjectivity. I am particularly interested in the matters that arise from the existentialists and their effect on Africa and its people. I will generalize here as I try to look at Africa in a broad sense focusing using examples on different existential issues that affect the African continent. Existentialism comes through from a time of the Romantic Period in Europe. Focus had been put on a return to nature, feelings and an attack on rationalism. Most thinkers in this tradition like Kierkergard, Hiedegger and Nietzche focus on the issue and feeling of anxiety in the human condition. Treated well this anxiety goes on to breed authenticity in the human being. Anxiety comes about as an ontological question. One constantly asks themselves the question of â€Å"being†, â€Å"who am I?† Kiekergaard talks of this anxiety this way, â€Å"All existence make me anxious, from the smallest fly to the mysteries of the Incarnation; the whole thing is inexplicable to me, I myself most of all; to me all existence is infected, I myself most of all.† (Journals, II A 420). Kierkegaard who was born in the 19th century is situated in a Europe which was experiencing the industrial revolution. Mass movements of people fromShow MoreRelatedExistentialism : What Is It? Essay1704 Words   |  7 PagesDecember 2016 Period 6 Mr. Reidinger Existence: What Is It? One of the most persistent, haunting dilemmas is the uncertainty of the meaning of life. Although there is no single answer to this enigma, there are countless theories concerning it. For example, one philosophical approach is known as Existentialism. Jean Paul Sartre, a well-known existentialist, introduced his 3-word ideology, existence precedes essence in his lecture titled Existentialism is a Humanism which was presented during 1940’sRead MoreExistentialism : What Do You Choose? Essay2349 Words   |  10 PagesAllow me to begin by saying that I find this particular assignment to be the universe’s idea of some sort of sick joke against me. Ironically, we are studying existentialism. What a peculiar coincidence that I have to research for myself the topic of existentialism, while I feel as though I am going through an existential crisis as of right now. It felt as though I was transported into one of those cheesy high-school-esque movies that the Hollywood machine p umps out over and over; where the booksRead MoreExistentialism : What s It All About And Who Cares?3875 Words   |  16 Pagesâ€Å"Existentialism: What’s It All About Who Cares?† Patrick Jemmer Swansea Philosophy Cafà ©: Wednesday 9 January 2013 How can we classify it? Existentialism maps out a believable and engaging â€Å"blueprint† for living a â€Å"good life,† rather than being a single, unified, and unchanging â€Å"school† of philosophical doctrine. We could say that is a way of life for individuals bold enough not to â€Å"prefer a handful of ‘certainty’ to a cartful of beautiful possibilities.† How did it start? We might see ExistentialismRead MoreExistentialism : Existentialism And Existentialism994 Words   |  4 Pageshis choices† (Sartre, n.d.). When discussing existentialism, the man responsible for this quote is always attached to the conversation. As the man who is often remembered for bringing the most amount of international attention to the theory of existentialism, Jean-Paul Charles Aymard Sartre deserves to have his theories and ideals discussed and respected whenever possible. Firstly, what exactly is existentialism? The textbook defines existentialism as â€Å"a philosophical movement or tendency, emphasizingRead MoreExistentialism and its Role Today1027 Words   |  5 PagesDaoism, Stoicism, and Existentialism. Since each person defines their happiness differently, each person has their own opinion as to whether or not what is read to be correct or not. The goal is to at least shine a light to what everyone seems drawn towards. Existentialism is an important theory to consider in order to achieve the Good Life. Although existentialism may not appeal to everyone as a reliable theory to achieve the Good Life, it does elaborate as to how existentialism can be used to attainRead MoreExistentialism1408 Words   |  6 Pages Existentialism and its facets There are many philosophies that people use in their lives. Some of the ways of thinking are linked to some prominent people. There is idealism, naturalism, experimentalism, and existentialism among others. This essay explores existentialism, which has been postulated by Sartre among others. The other proponents of existentialism include Nietzsche, Kierkegaard, martin Buber, Martin Heidegger and Martin Buber. The weakness and strengths of existentialism are going toRead MoreSartre s Idea Of The Self983 Words   |  4 Pagesor God. Sartre’s idea of Existentialism introduces a new way of thinking in terms of how we become a self. This paper will argue for Sartre’s idea of Existentialism by addressing the way in which it provides a concept of the self that has not been predetermined. Jean-Paul Sartre was considered one of the foremost thinkers in the world of existentialism. 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Existentialism is an important theory to consider in order to achieve the Good Life. Although existentialism may not appeal to everyone as a reliable theory to achieve the Good Life, it does elaborate as to how existentialism can be used to achieve

Culture in Negotiation free essay sample

What is a good outcome in negotiation? What does it take to get a good outcome? What goes wrong in a negotiation that has a poor outcome? However, if culture has an effect on negotiation, the mental models of negotiators from one culture may not map on to the mental models of negotiators from another culture, making the speci ® cation of a single mental model problematic. There are two ways to approach this problem of specifying a mental model of negotiation. One is to specify the model in use in one culture and then compare and contrast its elements with elements of models of negotiatio n from other cultures. Alternatively, we can specify the mental models of negotiation in many different cultures and aggregate their common and unique elements. The latter approach is less likely to overlook culturally unique aspects of negotiation, but requires the prior existence or current construction of many culturally emic (unique) models of negotiation. We will write a custom essay sample on Culture in Negotiation or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page (See Brett, Tinsley, Janssens, Barsness, Lytle, 1997 for a discussion of these two approaches to designing cross-cultural research. ) This article relies on the  ® rst approach because there is a well-speci ® ed model of negotiation grounded in Western theory and empirical

Death Of A Salesman And The Price Essays - Death Of A Salesman

Death of a Salesman and The Price When people accept an ideal to live by it can be a glorious and noble thing unless they become so obsessed with the the ideal that it becomes a yolk and they are unable to realize their dream. This is especially true for two characters in Arthur Miller's plays Death of a Salesman and The Price. In these two plays Miller portays two lower-middle class men , Willie Loman and Victor Franz, respectivelly, who each live by an ideal that ultimately is self-defeating. Willie lived to pursue the American dream rather than living the American dream and Victor lived to serve and be decent rather than living a noble and decent life. They pursed their ideal rather than living it and thus they are unable to succeed. Willie Loman, in Death of a Salesman,, has lived his life in pursuit of the American dream. Traditionally the American dream meant oppurtunity and freedom for all, and Willie believed that. However, hard work could not earn him everything that he wanted or thoght he deserved. Willy judged himsel and those arround him by theit material accumulation, as is demanded by capitalism and the protestant work ethic. The ethic demands accumulation and work as signs of favor in the eyes of god. Thus in order to please god and himself he had to accumulate wealth and objects. The consumer oriented society in which Willy lives will not allow him to live the American Dream. Willy is fascinated by accumulating things. His desire fior goods makes him want objects that he neither needed nor could afford. Willy thinks that he needs to buy his wife a new refrigerator and new stockings even though she is content with what they have. As he tries to live the American dream he venerates those who have been successful at doing so, like Thomas Edison, B.F. Goodrich, and Ben, his succesful brother. Furetheremore he punished those who did not work towards that ideal or accomplish it ,such as Biff, his son, and most importantly himself. The extreme to which he followed the dream brought him to disallusionment and lose sense of reality. Willy created a reality for himself where he "knocked 'em cold in Providence," and "slaughtered 'em in Boston."(p.33) The ultimate result of his disallusionment is his suicide. It is ironic that he dies for his ideals although they are misconstrued. The problem with Willy's ideals which ultimately kills him is that he has lost sight of achieving the true goal of the American Dream, happiness and freedom, and the dream took control of him. He struggled to achieve something that he could not; he did not have the talent to be a salesman. He became so obsessed with living the dream that he was unable to be content with his talents in carpentry and with his family. There is also a manner in which he pusues the Dream. He is a salesman, a profession that is associated with trickery and illusion. He could not pusue a noble dream by doing something that is based in deceit. His quest was cursed from the start and the fact that he lived the quest and not the dream made it worse. Similarly in Miller's The Price the main character is a man who tries to life for an ideal and not the ideal . In The Price Victor becomes so obsessed with sacrificing for others that he ultimately fails to please himself . By not achieving for himself he hurts those he is trying to help, his family. Victor devoted his life to serving others at an early age. When he was younger he went to the police academy, a profession that is marked by self- sacrifice for others. Furtheremore he put his brother through medical school even though Victor had more potential in the field. While his brother Walter was in school Victor cared for their aging father at a great expense to Victor econimically and emotionally. During the time period portrayed by the play Victor is still selfless as he constantly calls tries to make arrangements to include his brother in the business deal to sell off their families estate. Although Walter does not return Victor's

The Complete List of Community Service Scholarships

The Complete List of Community Service Scholarships SAT / ACT Prep Online Guides and Tips Did you know that your extracurricular activities can earn you money for college? In particular, there are a lot of scholarships available to students who have chosen to spend their free time helping out others in their communities through volunteer work. Read on for the most complete lists of volunteer scholarships available. We've divided the scholarships by type so you can tell easily if you qualify. Why Community Service Scholarships? If you're the type of person who spends your free time helping others, you probably already know about some of the benefits of this type of work: you get to make a positive impact in your community while getting life experience that will help you develop as a person. But you may not have been aware that there's another potential benefit: community service is also a great way to earn some extra cash for college. Many universities and organizations value individuals who they think will make a difference in the world, and offering scholarships to students who have dedicated their time to improving the lives of others is one way that they can contribute to those changes. How to Find Community Service Scholarships There are a lot of different kinds of community service scholarships, and they come from a lot of different sources, including charities, the government, religious groups, and universities themselves. Some of the scholarships offered will help fund tuition costs, while others will help you pay for charitable projects that you want to organize, or give you the opportunity to do more volunteer work. Though you may not have seen many of these scholarships advertised, there are hundreds of them out there. If you don’t see something on the list below that pertains to you, do an internet search for what you're interested in or specific to the type of work that you have done. Other good resources are the college and financial aid counselors at your high school, who may know of local and national opportunities, as well as scholarships related to volunteer programs at your school. Additionally, ask the organizations where you volunteer if there are any scholarships available. Quite frequently, churches, religious groups, hospitals, and other community clubs and organizations provide awards to help out students with the cost of education. How to Apply for Community Service Scholarships Each of the scholarships listed below has its own application procedure and eligibility requirements. Start looking into the scholarships you're interested in well in advance so that you don’t miss any deadlines. You can also increase your chances of being eligible for more scholarships if you start to plan early. You'll see that many of the scholarships below have very specific eligibility criteria. If you're looking to get involved in a community service project and don’t have anything particular in mind, try choosing something that will make you eligible for one (or more) of these awards. Also keep in mind that the community service work you do can qualify you for several different scholarships. Be sure to apply to all scholarships that you're eligible for, and don’t be intimidated by the wording of the scholarship requirements – it’s always worth a shot to get college money! Key tip: Apply early, and apply often! Not all of these scholarships are limited to high school seniors and college students. If you start applying in 9th grade (or even earlier), you'll have a head start on building up your scholarship fund. List of Community Service Scholarships by Category The following scholarships are grouped according to type of community service or other special requirements. You'll notice that many of these scholarships are available to students who have done any type of community service, as long as you can show significant involvement. Some of these scholarships should fit into more than one category (such as a social activism scholarship that also requires a high GPA). In these cases, I’ve put them in what I consider to be the most restricting group. The categories are: General volunteer scholarships Leadership Financial need Strong academics Specific field of study Environmental focus Special circumstances Special affiliation Certain location or college Minority Social activism Scroll down to the category you most qualify for, or just browse through all the scholarships available! General Volunteer Scholarships The scholarships in this list are for students who have dedicated several hours to volunteer work. There are no particular restrictions about the kind of work you can have done for these awards, but you should be able to show long-term commitment and how you've made an impact. Americorps Vista This service program- with a scholarship awarded at the end- is for students aged 17 and older. You must be willing to commit to 10-11 months of service at a nonprofit organization or government agency. You will receive a living stipend while you are serving. Scholarship awards given at the end of service are $5,815. AXA Achievement Scholarship This scholarship is for ambitious and determined high school seniors who show respect for themselves, their families, and their communities. Students will have the opportunity to win awards of $2,500, $10,000, or $25,000. Bonner Scholars Program This scholarship is for college students with demonstrated financial need who are willing to perform 10 hours of community service per week during the school year and 280 total hours in the summer. The program meets the full documented financial need of each student. Students must be attending a school with a Bonner Scholars program and will apply through their campus. Great Value Colleges Community Service Scholarship Great Value Colleges awards $1,500 to students who have enhanced their educations through community service. LULAC National Scholarship Fund General Awards This award is for entering freshmen who display motivation, sincerity, and community involvement. Multiple awards between $250 and $1,000 are given. Prudential Spirit of Community Awards These awards are for students in grades 5–12 who have participated in community service in the past 12 months. National Honorees receive a $5,000 award, a medallion, a trophy, and a $5,000 grant to a charity of choice. State Honorees receive an award of $1,000, a medallion, and a paid trip to Washington, D.C. Local Honorees receive a Certificate of Achievement. Leadership Scholarships These scholarships are for students who have shown strong leadership skills – the ability to direct and inspire others – along with a dedication to community service. Alliant Energy Community Service Scholarship This essay contest awards $1,000 to 25 students age 24 or under who have leadership roles in community service activities whose families are Alliant customers (Alliant's service area is Iowa and Wisconsin). Comcast Leaders and Achievers Scholarship Program This award is for high school seniors who are nominated by their principals or guidance counselors for having shown a dedication to community service and leadership. There are over a thousand awards of $1,000. Elks National Foundation Most Valuable Student Competition US citizens who have shown leadership, scholarship, and financial need can apply. There are2 awards of $50,000, 2 awards of $40,000, 2 awards of $30,000, 14 awards of $20,000, and 480 awards of $4,000. GE-Reagan Foundation Scholarship This award is for students who show leadership, drive, and good citizenship. There are around 20 awards of $10,000, which are renewable each year of college for up to $40,000. State Farm Good Neighbor Scholarship These scholarships are for high school seniors with a GPA between 2.5 and 3.2 and who are leaders and volunteers in their communities. There are fifty awards of $5,000 each. Financial Need Scholarships These scholarships are aimed at students who have dedicated their time to serving their communities and who also can demonstrate financial need. Horatio Alger Association Scholarship Program High school students who have shown integrity, financial need, academic achievement, and community service may apply for this award. You will need a 2.0 GPA. A family income less than $55K is required. National scholarships of $25,000 are given every year, and smaller state scholarships are available as well. Imagine America High School Scholarship This award is for high school graduates who intend to enroll at a career college. They must have a high school GPA of at least 2.5, be able to demonstrate financial need, and have demonstrated community service during their senior year. Awards are $1,000. Ronald McDonald House Charities US Scholarships Students under 21 who can show financial need and who have academic achievement, leadership, and community service experience are eligible for these awards. Most scholarships are administered through local Ronald McDonald House Charities (like these through RMHC Central Indiana); look for the local office near you. Scholarship amounts vary. Strong Academics Scholarships These scholarships are for students who have managed to balance schoolwork with volunteer work. They are aimed at students who have achieved top grades and test scores. Coca-Cola Scholars Program Scholarship Graduating high school students with who demonstrate academic achievement and who have shown a commitment to improving their communities are eligible for this award.150 awards of $20,000 are given every year. You can also check out our complete guide to winning a Coca Cola Scholarship. Wendy’s High School Heisman Award This award is for rising high school seniors who excel in academics, athletics, and community service. You must have 3.0 GPA. The number of awards and amount varies from $1,000-$10,000. Field of Study Scholarships These scholarships are for students who are planning on pursuing certain degrees while in college. Davidson Fellowships This award is for students under the age of 19 who have done significant work in math, science, technology, music, literature, or philosophy, or another field that will benefit society. There are 20 total awards in amounts of $10,000, $25,000, and $50,000. Dr. Alma S. Adams Scholarships These scholarships are for college students pursuing degrees in public health, communications, social work, education, liberal arts, or a related field. They should have GPA of 2.0+ and demonstrate financial need. Student must provide evidence of community activities including activism, outreach, or peer counseling in tobacco prevention or control. James Beard Foundation Scholarship This is for students who are interested in a culinary career. Applicants should have strong academic record, leadership, and community service.Award amounts vary. James M. and Virginia M. Smyth Scholarship This scholarship is for students with a GPA of 3.0+ who demonstrate financial need and are pursuing a degree in arts and sciences, human services, music, or ministry. Students must have shown a commitment to community service. There is a preference for applicants from Missouri, Mississippi, Georgia, Illinois, Oklahoma, Texas, and Tennessee. 12 – 15 awards of $2,000 are given every year, and they are renewable for up to four years. Mary A. Mades Volunteer Scholarship Award This scholarship is awarded by Beth Israel Deaconess Medical Center in Boston to a student pursuing a degree in healthcare who has spent at least 125 hours volunteering at Beth Israel over the past 2 years. National Strength and Conditioning Association High School Scholarship This scholarship is for high school seniors with a GPA over 3.0 looking to enter a strength and conditioning field who have a track record of community service and are members of the NSCA. There are multiple $1,500 awards available. Tylenol Future Care Scholarship This award is for college or graduate students studying healthcare, who have high GPAs and can show community involvement. Awards range from $500-$10,000. Check out our complete guide on how to win a Tylenol scholarship. Washington Hospital Service League Volunteer Scholarship This award is for high school seniors and college students in the Washington Hospital District who are pursuing a healthcare-related degree, with a GPA of at least 2.5, and who have volunteered for at least 100 hours in healthcare. The award is $1,000 and is renewable for all 4 years of college. Young Women in Public Affairs Award Women aged 16-19 who are pursuing careers in government, public policy, and community organizations, and who are involved in community service, should apply for this scholarship. Ten international scholarships of $4,000 and up to 32 scholarships of $1,000 are awarded each year. Environmental Focus Scholarships These scholarships are for students who have dedicated their time to helping the environment. Brower Youth Awards This scholarship is for students who have shown leadership in environmental activism. Six awards of $3,000 are given every year, plus a professional film crew will make a short film about the winners’ work. The winner will also receive a week-long trip to California to participate in media engagements and environmental conferences. Gloria Barron Prize for Young Heroes This scholarship is for students aged 8 - 18 who have made a significant positive difference to people or the environment. There are 25 awards of $5,000. Special Characteristics and Circumstances Scholarships These scholarships are for students who have faced certain challenges or who have special characteristics. LEAGUE Foundation Scholarship LGBT high school seniors with a GPA of 3.0 and above who are involved in community service can apply for this scholarship. Live Out Loud Scholarships This scholarship is for high school seniors who identify as LGBTQ from the tri-state area (New York, New Jersey, or Connecticut). You must demonstrate leadership, a strong academic record, and community service. Awards of up to $10,000 are given every year. National Federations of the Blind Scholarship Legally blind college students from US and Puerto Rico may apply. The winner is chosen based on academic excellence, community service, and leadership. Awards are between $3,000 and $12,000. Up to 30 awards are given each year. PFLAG (Parents, Families and Friends of Lesbians and Gays) Scholarships This scholarship is for high school seniors or college students in New Mexico who are LGBT or a straight ally. Students must show integrity and participation in community activities. Awards are $1,000. Yes, I Can Council for Exceptional Children Award Students between 3 and 21 years old with a disability can be nominated by a teacher, parent, other nominee, or even a self-nomination! The student must be involved in various activities including volunteer work. Special Affiliations Scholarships These scholarships are for students who are associated with certain groups. Americorps National Civilian Community Corps This scholarship is for U.S. citizens between 18 and 24 who are willing to serve on Americorps campuses in Denver, Sacramento, Baltimore, Vinton (IA) or Vicksburg (MS). Winners must commit to 10 months of service in the region. The scholarship awarded at the close of service isfor $5,815. Burger King Scholars Program These awards are for Burger King employees or relatives of employees who show good citizenship and commitment to the community. Eagle Scout Scholarship The National Eagle Scout Association offers two kinds of awards for Eagle Scouts: academic awards and merit awards. Academic scholarships are offered in amounts up to $50,000, and merit scholarships are offered up to $5,000. Academic scholarship applicants must be in their senior year of high school. Merit scholarship applicants must be high school seniors or college students not past their junior year of study. Jesse Brown Scholarship Students aged 21 and under who have done at least 100 hours of community service to serve veterans at a VA medical center can apply for these awards. There is one top scholarship of $20,000, and additional scholarships of $15,000, $10,000, $7,500, and $5,000. National Honor Society Scholarship Program These awards are for high school students who are members of NHS. Any senior member of a chapter may apply. Awards come in a variety of amounts depending on how far the student advances in the scholarship competition and range from about $3,000-$22,000. Navin Narayan College Scholarship This award is for high school seniors who have served at least 2 years as a Red Cross volunteer. There is a one-time award of $1,000. Siemens Foundation Scholarship This $4,000 award is for high school juniors who are children of full-time Siemens employees and who have an excellent academic record and have made significant contributions to the community. Certain Location or College Scholarships These volunteer awards are only available to students who are from a certain location or are planning on attending college in certain areas. Albert Shanker UFT College Scholarship Fund This award is available toNew York City public high school seniors with good academic standing and who can show leadership in the community. Students must also be eligible for Pell Grants and have a family income below a certain threshold. The award is for $5,000. Boettcher Foundation Scholarship This scholarship is for academically gifted Colorado high school students. Applicants must alsohave community service and leadership experience. The award is for full tuition, fees, and a $2,800 annual living expenses stipend for attending one of the Scholarship-approved colleges within Colorado (list on website). Financial Services Center of New York Scholarship Program This scholarship is for seniors from New York City and the surrounding counties who have shown academic achievement, leadership, and who have performed at least 50 hours of community service per school year. There are several awards ranging from $2,000-$7,500 given. Ford Scholars Program High school seniors or community college students enrolling in a bachelor’s degree in Oregon or California, who are residents of Oregon or Siskiyou County, California, can apply for this award. Students should show financial need, good character, have a GPA of 3.0 or higher, and show concern for others through volunteer projects. Up to 120 awards between $1,000 and $25,000 are granted every year; award amounts are based on need and cover up to 90% of costs not covered by other sources. Garrett J. Goodchild Achievement Award This scholarship is for high school seniors from Eastlake High School or Redmond High School who plan to attend one of the 10 independent colleges of Washington. Students must have a minimum GPA of 3.0 and have demonstrated leadership and community service. Awards are of $2,500. They are renewable up to 4 years for a total of $10,000 as long as a 3.0 GPA is maintained. Green Mountain College’s Make a Difference Scholarship This award at Green Mountain College in Poultney, Vermont, is for a student who has made a significant positive difference in the community or the lives of others. The award covers tuition, room and board for four years. You must ask a teacher or mentor to nominate you. Montezuma Lodge Scholarship These scholarships are for first year college students from Santa Fe, who have good GPAs and have shown leadership in the community. At least 3 awards of approximately $2,000 each are given every year. Newman Civic Fellows Award This scholarship is for college students who have shown leadership skills and involvement in solving community problems. You must attend a Campus Compact member institution and be nominated by a college/university chancellor or president. The award amount varies. New York Times College Scholarship Program This award is for New York City high school seniors who have shown a commitment to education and community service. The award is up to $15,000 per year, renewable for three years. Recipients also receive mentoring and a summer internship at the New York Times. Stanley O. McNaughton Community Service Award These awards are for college juniors and seniors attending one of the Independent Colleges of Washington. You must demonstrate a history of dedicated volunteer service throughout high school and college and have financial need. There are three awards of $2,500. Thurgood Marshall College Scholarship Fund This fund offers a number of scholarshipsfor high school seniors or college students enrolled at one of 47 historically black public colleges. The number and amount of awards varies. Tyler/Grandmaison MELMAC Scholarship This award is for high school seniors from any high school in Maine. You must be nominated by your principal for facing obstacles in pursuit of higher education, having financial need, being a solid citizen of your school, and showing a commitment to making a difference in the community. Minority Group Scholarships These scholarships are for students who have affiliations with certain minority groups or a particularethnicity. Congressional Hispanic Caucus Institute Scholar-Intern Program These scholarships are for Latinx students with strong academics who have a history of performing public service and charitable activities in the community. Students must have financial need and strong writing skills. Students will also receive an internship placement. Award amount varies. Columbus Citizens Foundation College Scholarship Program High school seniors of Italian descent (at least 25%) with household incomes less than $25,000 per person in the household can apply for this scholarship. You should also have a GPA of 3.0 or higher, and have shown commitment to community service. The award amount varies. Hispanic Heritage Youth Awards These awards are for Hispanic rising seniors with GPAs of at least 3.5 and above who have shown commitment to community service. Japanese American Citizens League Scholarships These scholarships are for high school students and college students who are JACL members (you do not need to be of Japanese/Japanese heritage to be member - anyone can join). You will have to submit a personal statement, your academic record, letters of recommendation, details about your community service, and details about your work experience. There are separate awards for entering Freshmen, and current undergraduate students. The award amounts vary. RHMC/HACER National Scholarship This scholarship is for Hispanic high school seniors (at least one parent of Hispanic/Latino heritage) who show academic achievement, financial need, and community involvement. There are a small number of large national awards ($25,000 per year) and some additional local awards of at least $1,000. Ron Brown Scholarships These scholarships are for African American high school seniors who have financial need, academic excellence, leadership, and community service experience. The awards are $10,000/year, and are renewable for up to 4 years (for a total of $40,000). Whitney M. Young, Jr. Memorial Scholarship These awards are given to minority New York City residents who are high school graduates, and have strong academic achievement, leadership skills, and commitment to community service. The program awards scholarships between $1,500 and $5,000. Worldstudio AIGA Scholarships This award is for minority and economically disadvantaged students who are studying art and design, and also have shown a commitment to community service. Basic scholarships are in the amount of $2,000-$3,000. There are also two additional awards of up to $5,000 and honorable mention prizes of $500. Social Activism Scholarships These scholarships are aimed at students who have been working hard to bring about changes in society. Davis-Putter Scholarship This scholarship is for college students who are actively involved in fighting for social justice or civil rights. Multiple awards up to $10,000 are given every year. Margaret McNamara Education Grants This scholarship is for women from developing countries who are pursuing study in the U.S. or Canada. Note that awardees must be at least 25 years of age. Grant awards are for up to $15,000. Princeton Prize in Race Relations This $1,000-prize is awarded to students in grades 9–12 who have been involved in community service in the past 12 months and have encouraged positive race relations. Students will also be invited to attend a symposium at Princeton. Stephen J. Brady Stop Hunger Scholarship This scholarship is for students aged 5–25 who have shown on-going commitment to an unpaid volunteer activity in the past year that involves fighting hunger. Additional consideration is given if you have been fighting childhood hunger. Winners will receive an award of $5,000 for their education plus a $5,000 grant in their name to a hunger-related charity of their choice. What's Next? Looking for tips on how to win top scholarships? Check out our guides to the Walmart Scholarship, National Merit Scholarship, Tylenol Scholarship, and standardized test scholarships. 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