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Debt Relief USA to fork over $500K
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ATLANTA — Joe Doyle, administrator of the Governor’s Office of Consumer Affairs, announced that the agency has entered into a settlement with Debt Relief USA, Inc., a debt adjustment company, over allegations that it violated Georgia’s Debt Adjustment Act.

The company agreed to refund all fees it has received from its Georgia clients, a total of $527,205.55, reimburse OCA for administrative expenses in the amount of $40,000, and to cease doing business in Georgia until it changes its business practices to comply with Georgia law.

OCA alleges that Debt Relief USA, Inc. violated each of the three major provisions of Georgia’s Debt Adjustment Act:

Debt adjustment companies cannot legally charge Georgia consumers more than 7.5 percent of the amount the consumer deposits with the debt adjustment company each month for distribution to his or her creditors. Debt Relief USA, Inc. allegedly charged debtors “administrative fees”, “monthly maintenance fees”, and “negotiation fees”, none of which was part of the amount distributed to creditors each month.

1) Georgia law also requires that all funds that debt adjustment companies accept from consumers (minus the authorized fees described above) must be provided to the consumer’s creditors within 30 days of receipt from the consumer, another alleged violation.

2) Finally, debt adjustment companies must maintain a separate trust account for customer funds and specific insurance coverage to protect consumers. Copies of these audits and insurance policies must be filed annually with the Governor's Office of Consumer Affairs. Debt Relief USA, Inc. failed to comply with these provisions as well.

“OCA is committed to ensuring that consumers receive the benefit of the protections that are contained in Georgia’s Debt Adjustment Act,” said Doyle. “This office will aggressively pursue companies that do not comply with the statute.”

The Governor’s Office of Consumer Affairs offers the following suggestions to consumers who are looking for a reputable debt adjustment company:
• Contact the National Foundation for Credit Counseling at 1-800-388-2227/www.nfcc.org

• Check with the Better Business Bureau —www.bbb.org — to see if there are any unresolved complaints against the company

• Contact the Governor’s Office of Consumer Affairs at (404) 651-8600 or 800-869-1123 to ensure that the company has filed the necessary audit and insurance documents, as required by Georgia law

• Make sure the debt adjust company provides all promises, terms and agreements in writing.

If you learn of a debt adjustment company that is in violation of Georgia law, contact the Governor’s Office of Consumer Affairs at (404) 651-8600 or 800-869-1123. 

Effingham ECCA Students Build Electric Car with Hyundai
ECCA electric car
From wiring to problem-solving, Effingham juniors Rowand Smart, left, and Dexter Bohlman tackle the challenges of building an electric car alongside engineering director Aaron Parker. (Mya Taylor / Effingham Herald)

SPRINGFIELD, Ga. — For five months, 10 engineering students at Effingham College and Career Academy spent afternoons with wrenches, wires and instruction manuals, turning boxes of parts into something extraordinary — a working electric car.

The build was part of a partnership between ECCA’s engineering lab and the Hyundai Motor Group Metaplant America in nearby Ellabell. Funded through $150,000 in state grants and supported by Hyundai’s donation of tools, the project gave students hands-on experience in electric vehicle technology while tying classroom learning to one of the region’s most significant new industries.

Finding their place in the project

Junior Dexter Bohlman hadn’t expected to be part of the build. A scheduling error placed him in a higher-level engineering class, and before long he was wiring railings, connecting a key fob and shaping the steering panel.

Much of the work he did alone. The wiring — 250 to 450 terminals in all — was especially tricky.

“You have to figure out how to manage the wires to make it so that they’re less complicated,” Bohlman said. “On the top rail it’s a little bit of a mess, but down there we managed to get it a little more concise.”

For Bohlman, the project became more than an assignment. It gave him experience to add to his aerospace résumé and a sense of ownership in something bigger than himself.

Classmate Rowand Smart also joined by accident, after his schedule shifted. At first, he said, his enthusiasm for engineering was fading. The project changed that.

“It turned into something that I was actually interested in because it’s kind of a hobby working on my truck and seeing the less mechanical and more electrical part of it,” Smart said. “The wiring, the programming, all of that was really interesting.”

Smart’s father and grandfather were both mechanics, and he said their influence helped guide him through the toughest parts of the build.

ECCA electric car
ECCA juniors Dexter Bohlman and Rowand Smart helped turn kits of parts into a drivable electric car — then signed their names on the project to mark their role in the hands-on Hyundai partnership. (Mya Taylor / Effingham Herald)

Learning by doing

Students worked four days a week on the car, often troubleshooting unexpected problems.

“We had to figure out what we were going to do, find the parts, read the instructions before we put it together, and make sure we had the right equipment,” Smart said.

Together they learned not only how to wire circuits and measure voltage but also how to rely on one another.

Engineering Director Aaron Parker said the students’ persistence reflected what he calls the “four C’s” — creativity, critical thinking, communication and collaboration.

A proud moment

By May, the car was ready for its first test run. Getting it out of the lab was almost as hard as building it — four adults and 10 students had to tilt and lift the vehicle through a doorway.

Once outside, the students each took turns driving. For Bohlman and Smart, it was the highlight of months of effort.

“It was probably one of my proudest moments of students, especially upon completion,” Parker said.

The car later went on display at Stemposium, a community event where STEM students showcase their work. Families and staff stopped to admire what the team had built.

Looking forward

Bohlman said he dreams of an affordable electric rally car, while Smart imagines a Mustang with electric power. Both said the project changed how they see engineering.

HMGMA Chief Administrative Officer Brent Stubbs shared his gratitude for the partnership with ECCA. 

“HMGMA is thrilled to sponsor the EV lab at Effingham College and Career Academy. ECCA is teaching young students about electric vehicles and giving them an opportunity to get hands-on experience, so when we learned about their need, we jumped at the opportunity to help. We are proud to be a long-term partner in educating future generations of EV and automobile enthusiasts. We hope one day some of them will become Meta Pros at HMGMA,” Stubbs said. 

As for the car itself, Parker said it will soon get finishing touches — a light and dash cover — before being used to promote the program. Another frame, bright red and untouched, waits for the next group of students to take on.

“At the end of the day we want to set these kids up to be successful adults so that they can be independent when they get out in the real world,” Parker said.