So with the new regime executive order declaring it essentially illegal to be unhoused, people at risk might be thinking, “how do they classify me as homeless if I am surfing between friends or family or shelters?”
One of the big answers to this is the practice of debanking. If your financial institutions catch wind that you don’t have a stable address, they will try to close your accounts and send your balance as a cashier’s check to your last legal address. At-risk people understand the many, many scenarios where even just this process could be devastating.
Some unexpected ways you can get de-banked:
-
your apartment doesn’t have a legal address
-
you lose home owner’s insurance or your coverage changes and your bank decides it doesn’t like that
-
your building’s owner defaults
-
fire
-
flood
You may be at risk and just now realizing it. If you have an MH diagnosis and you don’t have two back-up legal addresses, you are on this Ex O.
Anyway, do not get debanked. Have legal address back-up plans EVEN IF YOU TRY TO FLEE THE COUNTRY because you do not want the regime classifying you as someone they want to put in the camps.
Sorry for another US-centric post.
Thanks for the information.
Back when I vandwelled, I was able to set up a “declaration of domicile” so my legal address was at a mail forwarding center. You can have mail forwarded to a local post office box, or to a different address (if you’re crashing at a friend’s house or something.)
It’s a useful option when you have to move around a lot, since if you move you don’t have to change your address - just change where your mail gets forwarded to.
It does require paying for a PO Box, but IMO it’s worth it.
Though I recommend actually knowing something about the town or city of the forwarding center you use. I once had a job interviewer be from the same town as the one on my license, and had to bullshit as if I actually knew the place (and didn’t merely drive through it on a freeway a couple times.)
Hey do you know if this works for traveling nurses or if there is a different way that they do it?
If you have to travel for extended periods of time, it’s not a bad idea. It does take a little extra time for your mail to get to you (since it’s being shipped twice.) If that isn’t a problem, I can’t think of any reason it wouldn’t work for travel nurses.
Works just fine, just make sure you do your mail forward with the paper form, keep your payments current, and do the verification of the forward in person as is required. Fwiw you can use any address you have access to to start the PO box or other accounts as well, even if you won’t have that access for long. Source: I do mail
The good news is that your post isn’t really something you have to worry about(social media is propagandizing this), it’s only going to impact state funded housing for people and aim to funnel money to private prison contractors for any homeless people who assault ICE or w/e other federal agents. The bad news is that its rooted in hate and going to damage section 8 housing access, generally making people poorer/more worse off in the long run.
Unfortunately there are systems that will reject PO boxes - credit applications, mortgage and loan applications. It’s increasing and I think they’re catching wind that nomads do it, so they challenge for a “physical address” which of course must match your credit file. This is a nice way to shit on people who are trying to get out of transitional housing too, since they can easily spot group homes and halfway houses.
Sigh, I was worried they’d be getting targeted.
I wish I had more to add. But I’m just tired.
UPS stores (and many others) offer mailboxes, similar to PO boxes. Unlike PO boxes, they will accept packages from other shippers as well as USPS. Also, they’ll only put mail in your box if it is addressed to you specifically. No bulk mail or “Current Resident” bullshit.
Holy shit.
To think I was envious of America when I was young.
Those were different times. I remember how people who travelled there talked about how friendly everybody was. And everything was cheap, service was great and life was easy. Obviously those were skewed perceptions by tourists, but still. Nobody says things like that any more.
To be honest, this shift in our politics has been brutally quick and more federally far reaching than anything that happened while I was growing up. People used to be able to just exist. Camp in parks, sleep on benches, etc. This authoritarianism is… Somewhat new.
I mean tresspass laws designed to prevent newly freed black people from “just existing” go back to 1865.
Sundown towns aren’t that far behind us, either.
Yeah, I was going to say something similar. The “it’s now illegal to [x] while black” memes are because the BIPOC community has known this for a long time now. Standing while black, walking while black, jogging while black, eating while black, listening to music while black, sleeping while black, etc… All of these are things that people have been attacked by cops for doing, for literal generations.
It’s not new; it’s just more visible. And it has finally become so overt that non-BIPOC people have started to feel the same pressure that BIPOC people have dealt with since the country was founded.
since the country was founded.
that was the biggest mistake ever.
The second biggest was letting a bunch of traitors go home with their heads held high to establish a mythos about some imagined poo oilof Drfewheritage. Officers should’ve been hanged/shot, lands should’ve been confiscated and given to newly freed peoples, “40 acres and a mule.”
It started in earnest under Regan. It’s just been difficult to see where all those changes would lead until all at once it smacked us in the face.
It was slow and incremental. You can’t boil a frog by tossing it in a fryer.
True. That would result in frying it.
It’s only been quick if you just started paying attention. This is the end result of decades of work by the GOP.
Not really. People are just less ashamed than they used to be.
Hahaha right? They sold the lie so well. But it’s so easy to do when you control the majority of the world’s media, whether it’s news, radio, television, cinema, or online streaming.
Sorry, you think it’s any one nation that’s controlling all that? Oh, my sweet summer child…
So uh. Are you trying to infer that it is a tiny set of people/corporations, or that there are other Nations in on it?
They italicized nation and not one so I believe they’re pointing to folks like murdoch
This.
Corporations run shit. Nations tell you to do what they’ve been told to tell you to do by those that pay them.
We’re so fucked if this still needs saying, in this day & age. Fuuuck.
I didn’t realize I replied to two of your comments until you replied to me twice.
Hey, I appreciate the attention, fellow human. Thanks!
This is 100% going to be used against trans people, especially the mental illness and danger parts (remember all the cross dressing is pedophilia stuff that republicans were pushing)
I hope for the safety of all LGBTQ people in the US right now, especially the trans people. You all deserve to live unbothered, I wish it were that easy.
Currently shit scared as a gay guy with autism. I studied this, on my own, out of curiosity – how a relatively modern society can commit atrocities upon its own citizens that it deems “lesser”.
In high school, where we had entire chapters of our history books that we focused on for weeks dedicated to things like the civil war and the war of 1812, WWI and WWII were (in my recollection) split between a single chapter titled “The World Wars” or something like that, and anything later was usually glossed over in even briefer fashion (Korea, Vietnam, and the Cold War all shared a single chapter. I’m not even sure the Cuban Missile Crisis was given a sentence. But holy fuck did they want you to recount in great detail all the facts and figures of the revolutionary war and civil war, down to excruciatingly painful detail. – I digress, it just irked me then and it still does now).
My point is, nobody chased me down and beat me over the head with a textbook to research the Holocaust and how it happened, nobody made me learn the finer points of going from an economic crisis to an angry little egomaniac getting elected to gas chambers and piles of bodies. We were taught what happened, in the driest fashion, but they never taught us how it happened. For me, nobody had to. I wanted to learn, so that I’d hopefully recognize the signs if they ever happened again. And now I can’t afford to leave on my own, while watching them slowly follow the exact same playbook in almost the exact same way. You start with the most vulnerable people and expand that over time to “everyone you don’t like”, and I have no illusions about being a friend to republicans.
Also, hey, sidebar: anyone else finding the combination of “gutting NOAA funding”, “open air cages”, and “located in Florida, where devastating hurricanes regularly sweep through”, to be something Eichmann would’ve called genius? “Oops, we didn’t have any warning! Awww, shucks, shame about all those un-people we wanted to be rid of!” And the gators take care of the bodies. It’s brilliant, in a way.
my last hope is Canada opens their borders to unskilled/disabled refugees, but I don’t hold out a lot of hope.
I’m currently wondering if I should offer to marry an American who wants to move to Canada. Not even sure how that works but I’m kind willing to lol, buy us a house, we both live in it and larp a marriage if we have to. I’m middle aged now, ready for one of those crisis I’ve heard of lol
at this point I think my faith in other people is too damaged to accept such a thing from anyone I don’t know personally – (and alas, I have no friends up north), but I do hope you rescue someone worth saving. Not all of us didn’t see this coming. Nobody deserves that fate, not a migrant, not someone trans or someone poor or who jaywalked while black or anybody who stepped on that orange rapists bone-spurred toes.
Having said that, you should probably get rid of this comment, as I doubt Canada’s immigration authorities are very keen on marriage fraud, no matter how nice a gesture it may be.
This is absolutely a current weapon against trans people. If you know trans people who need an address, get them an address ASAP.
Sharing info about de-banking is cool but lets try to keep the FUD out of it. What the so-called “ENDING CRIME AND DISORDER ON AMERICA’S STREETS” order says regarding this seems mostly contained in Sec. 3, which basically threatens to pull housing and urban development funds from states that don’t meet the administrations crazy rules.
. I also see nothing to validate your claim that folks with a mental health diagnosis need three addresses (two back-up addresses implies the existence of a third main address).Why are you carrying water for fascists?
Because actual facts matter. You can’t fight a fantasy. You have to fight the actual laws/orders/etc as they are, not what you imagined them to be in your head. Just because one side doesn’t follow logic doesn’t mean you get to disregard it too.
If facts mattered we wouldn’t be in the midst of a fascist government run by a demented pedo with full support from SCOTUS to ignore the Constitution, so I am going to tell you this plainly so maybe even you understand:
NO FACTS DO NOT MATTER COMPARED TO PUBLIC PERCEPTION SO FUCKING GET OUT OF THE WAY
Do you want this nightmare of authoritarian overreach to end quickly?
Then Shut The Fuck Up and stop doing the enemy’s work for them
Unless you enjoy being a traitor, that is. I mean you do you
Cool. So you’re gonna fight made up things with more made up things and no one’s gonna believe you because, well, you’re a liar. Also love the all caps. So scary. Really terrified me over here. Hey, isn’t that how fascists get their way? By yelling and fear and intimidation? Oh wow, it’s like you’re becoming what you hate. Huh. How strange. It’s almost like there are people warning you not to become the monster you fight and here you are putting on fangs and fur…
You’re a tool 😂
Fascists have only stepped down from power twice in all of human history without bloodshed
Where exactly do you think this entire thing is going? They are disappearing citizens with no due process. They have already built the concentration camps and have bragged about the inhumane treatment they will dish out there
Do you really think this is just another ‘rough repugnican cycle that we’ll get back in office and start to clean up’ like the last 4 times because that’s NOT the FUCK what’s happening here and anyone who had family escape from the old USSR knows EXACTLY what is going on right now
We are gearing up for civil war and a ton of innocent people are going to die and here you are spending all of your energy cherry picking arguments for the fascists.
And now that I’ve laid it all out clear as day to you, if you persist in your dangerous ignorance I will have no other option but to consider you an intellectually dishonest forum slider at best, and a legitimate traitor at worst.
I don’t know what that saying means, but I hate the Trump administration I promise. I hate FUD too though. More FUD = less energy to spend on the actual battles that need to be fought. I have my own mental health diagnosis and currently live in my parent’s spare property so what OP said would personally impact me if true. I can’t find where it’s stated though.
/r/notatrumper material right there, plus randonumbername. I am so fucking tired of this game.
I didn’t ask for your life story I asked why you are sanewashing the weaponization of homelessness
He’s not? The EO is theater, nothing changed but that. Nobody homeless is copping federal charges anyways unless they assault feds. The OP is also sensationalizing things, you can use a valid address and say you receive a bill at it to claim residence aka not homeless (even if you functionally are). I see it all the time. Often people stop paper bills and use electronic stuff as proof of residency.
so fucking tired of all the sanewashing here, I thought I blocked your instance weeks ago…
Name checks out.
Certain addresses get flagged in bank and verification systems over time that are shared addresses among many people. Places where someone can get mail without a permanent legal address is one example. Shelters, general delivery at the post office, etc. So much of the concept of your identity is tied to your legal address. Courts can use this too and claim they can’t find someone then issue default judgements against them. Meanwhile, so many places are heavily monitored because they have turned into police states, it is not usually in question for the goverment who someone is and where they are located. The post office should provide long term PO boxes for unhoused people for free and these should be accepted as legal addresses. But often, you’ll find a PO Box isnt accepted.
Why of course.
If you no longer have property, what use are you (/s)?
This country was based on property rights.
I’m sure most have noticed that a lot of law revolves around harming people OR property. If people aren’t property, why would damaging property be so severe?
And the next part is the one that blows my mind more than anything - car insurance. I don’t know about all US states, but at least mine, you are legally required to have it to cover damages to other property. Most people keep full coverage because of the expense of a new car - like a home, or a boat, etc.
This is all about the true goal of the Heritage Foundation’s plan - People to become property.
I’m not talking Black slaves, or enslaved Latinos, I’m talking everyone. Sex slaves? A thing of the past. You make a transaction for a wife. (Remember no LGBTQ+ in this world of theirs). Employees? A thing of the past. You give workers shelter, food and enough healthcare to remain profitable.
A lot of people can argue that is the current system. But a lot of people can still take time off. FMLA still protects people. People have retirement accounts. “You will own nothing and like it.”
If people aren’t property, why would damaging property be so severe?
Sorry in advance for defending the concept of defence of property. It’s not that I think it should be that way, but currently it is.
Property can easily be equated to either work or status. In today’s society, we work to earn our property. Damaging property is then damaging work, or at least the value of the work already done.
On the other end, status is something we already know that the elite value above all else, so it makes sense that attacking someone’s status is going to get punished.
So it’s not so much that people are property, but that harm to property is harm to its owners.
Yes, that’s the belief. I understand that.
But it isn’t harm to the owners. The equating harm to property to harm to the owner is what makes the idea of us not being equal a thing.
Otherwise our children would be traumatized from every piece of colored paper that we have to throw away that they bring home. The unrepairable cars, the laptops that bite the dust, the food that we consume.
That’s why people being property is no different to the elite. They are equivalent.
I feel like I’m becoming jaded because any time I hear about some new shit that hurts poor people in this country I find myself wondering how many of these people voted for Trump in the first place. I get being desperate and feeling like some kind of change is needed… The first time. But we had a chance to see it was all bluster and bullshit already and still voted for this government. I know it’s a bad mindset but a lot of this stuff is hurting groups of people where the majority voted for Trump and I’m having trouble feeling sorry for them.
Propaganda efforts large than we can imagine operating for decades. How has the rural poor identity morphed from union men and worker solidarity to backing military and police? It got too dangerous and they stomped it out with myths of foreign adversaries. I’m of the mind that we need to reach across political lines to overcome this, we can’t allow them to split the country evenly in half or we’ll be in a deadlock forever that just lets them do what they want. It can seem herculean but there are shades of it when a CEO is killed on the streets or a bunch of politicians work together to protect pedophiles; political identity fades and it becomes more obvious that it’s us against them
Also a lot of the most disenfranchised are kept from voting at all. Either they have to work, polling place is too far away and they don’t have a car, polling place getting changed, don’t have a permanent address
I came into this thread thinking that the term de-banking was something like de-google and I was eager to find some opensource service tô get rid of the dependency of banks all together.
Boy was I wrong. /s
Good advice’s though!
I was eager to find some opensource service tô get rid of the dependency of banks all together.
Credit unions
Indeed, part of protecting yourself is diversifying where you keep your money (even if you don’t have a lot), and part of that answer is credit unions. Don’t just assume in institution is okay just because they are a CU though, plenty of scum CUs.
According to the sources in the Wikipedia article, in the US at least, the term de-banking wasn’t even in popular use until some right-wing nutjobs started claiming that the government was using it to shut down conservative “tech” companies, and then latched onto by people like Joe Rogan and Elon Musk to scam people into replacing their bank accounts with crypto currency.
I’m completely anti-crypto but that’s not the topic.
This is a warning about an angle of attack against people. I’m not advocating a product. My suggestions are to make sure you have trustworthy, legal access to multiple addresses should your housing become unstable, and to have diversified access to real banking services through both traditional banks and credit unions.
I’m in the United States so I read the sections relevant to the United States. I’m just trying to find where this claim of people with a mental health diagnosis needing multiple addresses due to the new EO comes in. That would impact me personally.
It isn’t a “claim that you need multiple addresses.” Think critically about the problem. A person who has MH diagnosis or addiction diagnosis, and is also at risk of de-banking due to address instability needs to have a legal address they can prove access to. Proving you reside at an address is how you stop the process of de-banking. For people who are housing unstable, it is wise to have backup plans including two addresses.
Oh I see, I was panicking a bit because I thought you were stating that it was a part of the EO and I couldn’t find any references to support it. I don’t really have a backup address since I live with my parents at the moment (dealing with said MH diagnosis). Thank you for taking the time to respond OP.
Seems like a good time to start planning out that backup address, since you’re housed and safe right now (I assume.) Hope your luck is better than mine, but much of this information I gained from the experience of resorting to backup-backup-backup plans. Good place to start is figuring out the cheapest place you could get a monthly lease in the areas you are familiar with. One of my friends just happened to have that info handy when I almost became homeless a few years ago, and being able to very quickly act on that info ended up saving me a few rough weeks.
Disappointing but not surprising that the chosen solution to increasing swaths of the population no longer being supported by our economy is concentration camps. I honestly don’t think it’s that far fetched that the endgame here is they literally kill us all while acting like it’s our own fault, and the America of the future is just robots and genetic clones of billionaires.
Not just robots and billionaire clones. I think their endgame is a white ethno-christian state. These people want to make the US the headquarters for the crusades 2.0. At least that seems to be the group most pandered to behind the capitalists extracting all wealth.
I don’t buy it, I think they’re going to betray those people too eventually. Although maybe there will be a pitstop at “white christian ethnostate”
They want you using banks BC they can control your money flows
Cash was always king for a reason and plebs were too eager to give it up.
God forbid peasants do a thing that hurts daddy
That’s what scares me about the government trying to switch to crypto. It’s a whole new way to track and trap people financially.
And now I actually want and am rooting for armed homeless to commit acts on violence on government stooges who attempt to carry out this order. Time to start building guns for the homeless.
Now the message on Tom Morello’s guitar makes sense (“Arm the homeless”).
You don’t have to be homeless to fight for them.
I’m curious if credit unions participate in this. I can’t find any information about it.
It’s pretty specific to the CU. Some CUs seem to follow “other banks de-banked you, so…” and some just don’t seem to notice or care about anything.
BuT tHeY’rE pRiVaTe EnTeRpRiSe! ThEy ShOuLd’Nt Be ReGuLaTeD. tHeY nEeD tO Be AlLoWeD tO sUpErCeDe Da LaW!1!
