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Taking away right to sue when wrong has been done isn’t helping Texans

Op-Ed in the American Statesman
by Alex Winslow, Local Contributor and Executive Director of Texas Watch Texaswatch.org

While the state is crumbling under a real health care crisis, Gov. Rick Perry and his friends in the special interest lobby continue defending a lobbyist-driven health care battle from a decade ago that has failed Texas patients.

They want you to believe that taking away the legal rights of patients is good medicine. Try as they might, though, there is no disputing the facts:

Texas ranks dead last in the quality of health care, our health care costs are soaring at a rate faster than the national average, we rank near the bottom in the number of doctors who actually see patients, and we have the highest rate of people without health insurance. These are facts, not spin-doctored anecdotes like the ones the governor and his cronies in the insurance lobby like to use.

Back in 2003, politicians and lobbyists made a pack of promises about what they alleged would happen if voters approved a ballot proposition that severely and arbitrarily restricted the legal rights of Texas patients.
Among them was that what you spend on health care would go down. Turns out, they lied. Now, they are trying to cover their tracks.

Insurance industry lobbyist John Opelt recently said, “We did not and have not led voters astray.”

Really? Numerous political mailers paid for by Opelt’s group during the 2003 campaign tell a different story.

One mailer said the ballot initiative would “reduce … health costs.” Another said it would make “health care more affordable and available for all Texans.”

All of this comes from a playbook they’ve been using for decades: Claim there is a crisis of some sort, say that restricting individual legal rights is the solution, promise Texas families and small business owners the moon, and attack anyone who disagrees.

Texans are smart, though. We know when someone is pulling a fast one.

How can it be that eliminating accountability for polluters, careless nursing homes, insurance companies, Wall Street bankers and big drug makers is good for the public? The answer is that it can’t be.

Numerous academic studies by independent organizations and legal scholars prove that it is a fallacy to claim that taking away the legal rights of individuals will benefit the public at-large.

Whether we are talking about patients, policyholders or small business owners, we have seen time and again that when lobbyists succeed in stripping or curtailing individual legal rights, the public is harmed.

The only ones who benefit are a narrow group of special interests.

Yet every time one of these proposals comes to the Texas Legislature, the lobbyists claim this will be good for all Texas citizens.

Texans know better. We believe that accountability is good and necessary. This is a basic value we teach our children.

When a person or corporation causes needless harm, they should be held responsible for it. Plain and simple.

When wrongdoers succeed in getting away with the harm they cause, the rest of us are left to pick up the pieces and pay the tab.

Texas faces a host of real-world problems, including a broken health care system. It has been a decade since the governor signed away the rights of Texas patients under the false promise of better, cheaper, and more accessible care.

Sadly, rather than admitting he was wrong, Perry has chosen to be campaigner-in-chief and head lobbyist for the special interests.

Texans deserve real solutions from leaders who understand the importance of personal and corporate responsibility, and who want to find answers to our state’s problems that improve the lives of everyday Texans — not just a narrow group of powerful interests.

“Can I Keep My Stuff?”



“Can I keep my stuff?” is one of the most common questions asked by a bankruptcy client of Bailey & Galyen, and for the overwhelming majority of our clients, the answer is yes … you can keep your stuff after a bankruptcy.

Assuming you have lived in Texas at least two years before the filing of a bankruptcy, you can choose between the Texas and Federal “exemptions” – laws that allow you to protect and keep property through a bankruptcy. The choice of exemptions is an important legal decision that will be based on kind of property you own and its value, and at Bailey & Galyen our job is to maximize your exemptions. Both exemption paths have a few things in common:

• Homesteads are exempt from your ordinary creditors. Mortgages, taxes, and certain other debts remain on your home.
• Most vehicles are exempt from your ordinary creditors, but like houses are subject to valid debts from any vehicle finance company.
• Retirement assets (such as 401ks, IRAs, pensions, teachers’ retirement, etc.) are exempt from your creditors.
• Most if not all of your personal property assets are also exempt from ordinary creditors (unless they have a “purchase money” lien on them like a car loan), such as furniture, clothing, jewelry, tools of the trade, pets, and household goods.

There are important limits on exemptions, and here at Bailey & Galyen our job is to apply the law to your specific situation so you know what your options are. Even if you own property of a kind that is normally not exempt, there may be bankruptcy options available to you that allow you to keep non-exempt property.

On a related note, you can also keep certain debts. Depending on the chapter of bankruptcy selected and your payment status with the creditor, you are generally able to keep debts on necessary property, such as your homestead and vehicle. “Reaffirming” these debts in a chapter 7 bankruptcy allows those debts to survive the bankruptcy so that you can keep the collateral (house or car) and hopefully rebuild your credit by continuing to pay those particular creditors.