How To Let Us Know
Notify AT& T
- Bankruptcy court where the case was filed
- Chapter 7, 11, or 13
- Tax identification number associated with your accounts
Mail us your case infoFax it866.486.8223Important notice all legal pleadings and notices, must be served on CT Corporation as our agent or as provided for in our notice of appearance if one is filed888.827.3238
Akn Karatoy Attorney At Law
Akn KARATOY, Attorney at Law
Att. Akn KARATOY, graduated from Istanbul University Faculty of Law in 2006 and started his legal career in 2008 in Istanbul. He is founding partner in Ayaz Attorney Partnership with Lawyer Hasan AYAZ since 2013. He has expertise in the areas Commercial Law, Law of Obligations, Family Law, Banking and Finance Law, Investment and Participation Banking, Lease Certificate.
Istanbul University, Faculty of Law, LL.B.
Bar Admissions & Memberships
How Do I Choose A Lawyer
Consider the following:
- Comfort Level
- – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
- – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
- – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
- – Is the lawyer’s office conveniently located?
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Openness To And Restrictions Upon Foreign Investment
Policies Towards Foreign Direct Investment
There are no laws or practices that discriminate or are alleged to discriminate against foreign investors, including and especially U.S. investors, by prohibiting, limiting, or conditioning foreign investment in a sector of the economy or post-establishment phase of investment). Until the mid-1980s, Swedens approach to direct investment from abroad was quite restrictive and governed by a complex system of laws and regulations. Swedens entry into the European Union in 1995 largely eliminated all restrictions. Restrictions to investment remain in the defense and other sensitive sectors, as addressed in the next section Limits on Foreign Control and Right to Private Ownership and Establishment.
The Swedish Government recognizes the need to further improve the business climate for entrepreneurs, education, and the flow of research from lab to market. Swedish authorities have implemented a number of reforms to improve the business regulatory environment and to attract more foreign investment. In addition, Sweden is implementing an EU investment screening regulation , and plans to announce a national investment screening mechanism by the end of 2020 or early 2021.
Limits on Foreign Control and Right to Private Ownership and Establishment
Other Investment Policy Reviews
Labor Policies And Practices
Swedens labor force of 5.5 million is disciplined, well educated, and highly skilled. Approximately 68 percent of the Swedish labor force is unionized, although membership is declining. Swedish unions have helped to implement business restructuring to remain competitive, and strongly favor employee education and technical advancements. Management- labor cooperation is generally excellent and non-confrontational. The National Mediation Office, which mediates labor disputes in Sweden, reported in its summary findings for 2020 that no working day was lost due to a strike in Sweden in 2020.
Foreign/migrant workers are covered by Swedish and EU labor laws. Labor laws are not waived in order to attract or retain investment. In general, there is no government policy that requires the hiring of nationals.
The cost of doing business in Sweden is generally comparable to most OECD countries, though some country-specific cost advantages are present. Overall salary costs have become increasingly competitive due to relatively modest wage increases over the last decade and a favorable exchange rate. This development is even more pronounced for highly qualified personnel and researchers.
Sweden is a member of the European Union . The EU impacts Swedens trade relationship with the United States in that the EU has a common trade policy for all member countries.
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Continued Commitments To Helping Student Loan Borrowers
Today’s action is another in a series of steps the Department has to support students and borrowers, make higher education more affordable, and improve student loan servicing, including:
- Extending the pause on student loan repayment, interest, and collections through January 31, 2022 and expanding it to include additional borrowers in default. This change helps 41 million borrowers.
- Approving $1.5 billion in borrower defense claims, including extending full relief to approved claims and approving new types of claims.
- Providing $7.1 billion in relief for borrowers eligible for total and permanent disability discharges. This includes $5.8 billion in automatic student loan discharges to 323,000 borrowers and reinstating $1.3 billion in loan discharges for another 41,000 borrowers.
- Helping 30,000 small business owners with student loans seeking help from the Paycheck Protection Program.
- Retroactively waiving student loan interest for 47,000 current and former active-duty military service members.
Your California Privacy Rights
If you are a California resident, you have the additional data rights listed below. You can exercise some of these rights by utilizing the prompts within messages we send you within your account settings, or within the privacy settings on our web pages. Otherwise, you are also able to exercise these rights by contacting our support team using the privacy support emails listed at the end of this Policy. Please note, if we cannot verify your identity we may deny certain data right requests. You can designate an authorized agent to submit requests on your behalf, but we require written proof of the agents permission and verify your identity directly.
California Civil Code Section 1798.83 permits our visitors who are California customers to request certain information regarding our disclosure of personal data to third parties for the third parties direct marketing purposes. To make such a request please send a letter to: Governmentjobs.com, Inc., 300 Continental Blvd. Suite 565, El Segundo, CA 90245 Attn: Privacy Department. Requests must include California Privacy Rights Request in the first line of the description and include your name, street address, city, state, and ZIP code. Please note Governmentjobs is not required to respond to requests made by means other than through the provided mail address.
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What Should I Do If I Am Entitled To A Refund And Would Like To Receive One From An Airline Or Ticket Agent
- You should proactively request a refund in writing from an airline or a ticket agent if you believe that you are entitled to a refund.
- If you contact the airline or ticket agent to obtain a required refund and you are refused that refund, you should file a complaint against the airline or ticket agent with the Department at .
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208 South Akard Street Dallas, TX 75202
AT& T Missouri Office 3106 South Grand St. Louis, MO 63118 776-4261
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How Quickly Are Airlines Travel Agents And Online Travel Agencies Required To Process A Refund
Airlines and ticket agents are required to make refunds promptly.
For airlines, prompt is defined as being within 7 business days if a passenger paid by credit card, and within 20 days if a passenger paid by cash or check.
For ticket agents, prompt is not defined.
This may be addressed in a future DOT rulemaking. More information can be found here:
Introduction Scope Of This Policy
We are the controller for the personal data discussed in this Policy, except as noted in the Where We Are a Service Provider section below.
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Next Steps For Borrowers
Under Department regulations, borrowers who are eligible for a closed school discharge and attended an institution that shut down between November 1, 2013 and July 1, 2020 will receive an automatic discharge as long as they did not enroll in another institution within three years of their school’s closure. Eligible borrowers who attended ITT within 120 days of its closure in 2016 received automatic discharges in 2019. The majority of the ITT borrowers covered by today’s action did not enroll elsewhere during the three years after ITT’s closure and will not need to take any further action to receive a discharge.
Borrowers who enrolled elsewhere but did not complete their program of study may still be eligible for a discharge, but will need to submit an application. Borrowers can access the closed school discharge application by contacting their servicer or visiting StudentAid gov/closedschoolform and returning a completed application to their servicer.
The Department will begin processing discharges in September 2021 and borrowers will start receiving automatic discharges in the following weeks.
Student Loan Debt And Debt Relief
In 2014, Time magazine ranked ITT Technical Institute No. 2 on its list of “The 5 Colleges That Leave the Most Students Crippled By Debt”. Among ITT Tech graduates with loans due in 2011, 22% had defaulted by 2014. This statistic compares with a default rate of about 13.7% for student loans generally. According to the Time magazine report, ITT Tech’s default rate ranked second. The for-profit University of Phoenix had a lower default rate by percentage . However, the total number of students in default from Phoenix was much higher .
According to the College Scorecard, as of March 2016, 39% of ITT Tech graduates were paying off their debt, compared to the national average of 66% among all U.S. schools. This percentage represented the number of graduates able to repay at least $1 in student loan debt in the three years after their graduation.
In June 2019, Student CU Connect CUSO, a private lender for ITT Tech, settled with the Consumer Financial Protection Bureau and 44 states and the District of Columbia. The settlement called for CUSO to forgive a reported $168 million in private student loans. CUSO agreed to stop collecting on, and discharge, all of the loans.
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Your Rights And Control Under Eu Gdpr
Data Controllers and Processors.
EU Data Subject Rights.
Data subjects in Europe whose personal data we receive through appropriate safeguards have legal rights to determine whether we hold personal data about them, to access personal data we hold about them, and to obtain its correction, update, amendment, or deletion in appropriate circumstances. In particular, your rights may include:
Lawful Basis for Processing.
For personal data subject to the European Union General Data Protection Regulation and ePrivacy Directive, we rely on multiple legal bases for processing, including:
Your Nevada Privacy Rights
A sale under Nevada law is the exchange of personal data for monetary consideration. We do not currently sell personal data as defined under Nevada law. If you want to submit a request relating to our compliance with Nevada law, please contact us at the privacy support emails listed at the end of this Policy.
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Bilateral Investment Agreements And Taxation Treaties
Sweden has concluded investment protection agreements with the following countries:
Albania, Algeria, Argentina, Armenia, Belarus, Bulgaria, Chile, China, Cote dIvoire, Croatia, Czech Republic, Ecuador, Egypt, Estonia, Ethiopia, Georgia, Guatemala, Hong Kong, Hungary, India, Indonesia, Iran, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lithuania, Macedonia, Madagascar, Malaysia, Malta, Mauritius, Mexico, Mongolia, Morocco, Mozambique, Nicaragua , Nigeria, Oman, Pakistan, Panama, Peru, Philippines, Poland, Republic of Korea, Romania, Russian Federation, Saudi Arabia, Senegal, Serbia, Slovakia, South Africa, Sri Lanka, Tanzania, Thailand, Tunisia, Turkey, Ukraine, United Arab Emirates, Uruguay, Uzbekistan, Venezuela, Vietnam, Yemen, and Zimbabwe . Sweden does not have a bilateral investment treaty with the United States.
Sweden is a member of the EU. The EU manages trade relations with third countries in the form of trade agreements. A list of concluded free trade agreements can be found here:
BITs with third countries are available at the following link:
Sweden and the United States signed a bilateral taxation treaty in 1994, which was amended in 2005. More information is available at
Tark Bykdenz Llm Attorney At Law
Tark BÜYÜKDENZ, LL.M., Attorney at Law
Att. Tark Büyükdeniz, gained his bachelor degree at Marmara University and registered the Istanbul Bar Association as a practising lawyer. He carried on his academic research on finance law at the University of Dundee and gained Master Degree with his thesis on international taxation law . Afterwards, he worked as a Legal Counsel at the Corporate Law Department at Turkcell letiim Hizmetleri AS and Investment Banking Assistant Vice President at Albaraka Türk Participation Bank. Currently, he is head of consulting department at at the attorney partnership which is specialized in banking, finance and corporate law. He has been working on Sukuk, Murabaha Syndication Loans and other structured finance deals for many years. Currently, he is the legal counsel of government owned participation banks and investment banks in Turkey. He also represents international finance groups on their foreign structured finance deals and corporate finance operations. He is also specialized in Fintech and Payment Systems and currently represents payment system companies during their incorporation, license processes. Mr. Buyukdeniz is specialized in capital market practices and he has Capital Market Board Licences. He has various experience on capital market instruments, worked many pioneers Project in this feild such as Turkeys First Tier 1 Sukuk Issuances to the global markets.
Turkish-German University, Faculty of Law, LL.B.
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Cancelling A Ticket Reservation Or Purchase Within 24 Hours Of Booking
For airline tickets that are purchased at least seven days before a flights scheduled departure date and time, airlines are required to either:
allow consumers to cancel their reservation and receive a full refund without a penalty for 24 hours, or
allow consumers to reserve a ticket at the quoted prices without paying for the ticket for 24 hours.
- Airlines are not required to offer both a hold and a refund option. Check your airlines policy before purchasing a ticket. However, if an airline accepts a reservation without payment, it must allow the consumer to cancel the reservation within 24 hours without penalty. If an airline requires payment with a reservation, it must allow the consumer to cancel the payment and reservation within 24 hours and receive a full refund.
Although airlines must hold a reservation for 24 hours or provide a refund to consumers at their request within 24 hours of making a reservation, airlines are not required to make changes to a ticket free of charge .
In some cases, instead of paying for a change fee and a potential difference between the original ticket price and the current ticket price, it may be cheaper to request a refund for the ticket and rebook. However, please keep in mind that ticket prices can change quickly.
Does the 24-hour refund/reservation requirement apply to tickets purchased or reserved through a travel agent or online travel agency?
Department Store Chain Bon
- Bon-Ton Stores files for Chapter 11 bankruptcy protection.
- The retailer will explore strategic alternatives, which include a sale of the company.
- Bon-Ton is in the midst of closing more than 40 stores across the U.S.
Bon-Ton Stores has filed for Chapter 11 bankruptcy protection, the largest retailer to do so this year.
The regional department store chain, which has dual headquarters in Milwaukee and York, Pennsylvania, has been burdened with massive debt as it struggles to grow sales and move operations online in the face of .
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