Can a Payday Loan Company Take You to Court

Can a Payday Loan Company Take You to Court Can a Payday Loan Company Take You to Court? Can a Payday Loan Company Take You to Court?You know a payday loan can hurt your credit. But can failing to pay one back actually put you in front of a judge?Court shows can be fun to watch on television. Whether it’s Law and Order or Judge Judy or classic Lionel Hutz episodes of  The  Simpsons,  we all apparently like watching people in court.But no one actually wants to be in a courtroom in real life. Heck, even most  lawyers prefer settling cases out of court. Thats why its important to know when something poses the risk of landing you in front a judgeâ€"one who may or may not be looking to throw a book and/or book-like object in your general direction.And when it comes to taking out a predatory payday loan, you could certainly end up in court if you have troubling paying it back. Its not common, but it does happen.Whats a payday loan, again?Before we get into whether a payday loan company can take you to court, let’s make sure we all know what a payday loan is.It’s not nece ssarily a scientific term, but generally, payday loans are a type of bad credit loan with very short payment terms and very high annual percentage rates (APRs). They are aimed at people who have poor credit, and the lender doesnt check a persons credit during the lending process. Payday loans are available as both storefront loans and online loans, and they are sometimes also called no credit check loans or cash advance loans.APR is a measurement that captures the total cost of a loan over one year, with all fees and interest included, allowing you to make an apples-to-apples comparison between different loans. So the lower the APR on a loan, the better. And the APRs on payday loans are nearly as high as they can go, with rates between 300 and 400 percentâ€"and sometimes much higher.And while having a shorter payment term for a loan with a high interest rate might seem like a great idea, it often backfires. Unlike, a traditional installment loan, which is paid off a little bit at a time, the short payment terms for payday loans mean that they have to be paid off all at once, often just two weeks after the loan was issued. As it turns out, many people have trouble paying back their payday loan on time. So instead, they have to reborrow the loan or pay an extra fee to roll it over and extend the due date.So why does anyone get a payday loan? Usually, its because they have some sort of financial emergency and a poor credit score so they can’t get a traditional personal loan. Still, it’s a risky proposition, because if you can’t pay back that loan in time, you may end up rolling it over and over again, landing you in a dangerous cycle of debt. To learn more about the dangers of payday lending, check out these five alarming payday loan statistics.Payday loan companies do take people to court, but they dont do it very often.Now, depending on how that cycle of debt unfoldsâ€"and whether or not you stop making paymentsâ€"you might end up in court with the payday loan company seeking a judgment against you. However, we spoke to the experts and they seemed to share a consensus:While you might end up in court for not paying off your payday loan, if that’s all you’ve done, you’re unlikely to find yourself in front of a judge.“I am a Florida consumer protection attorney who has 29 years experience,” consumer rights expert Donald E. Peterson explained. “I have probably consulted with a couple thousand people about their debts including potential bankruptcy clients who were defendants in collection lawsuits and consumers who were seeking a lawyer to represent them because they were being sued by a creditor or debt collector. NONE of them were ever sued by a payday lender. Not one.”But Peterson went beyond just his own personal experience: “Around 2006, I searched clerks online dockets to determine whether a large brick mortar payday lender ever sued anyone. I searched the records for several counties in central Florida and found approximately five lawsuits during a period of five to seven years. It made me wonder what was unique about those five borrowers that motivated the payday lender to file suit. I have read that there are payday lenders in Ohio who actually sue sometimes. I am not observing this in Florida nor have I ever heard that its a national problem.”If a payday lender takes you to court, theyre hoping you wont show up.Damon Duncan, an attorney with Duncan Law, gave us a similar sense of the risks while also explaining how the litigation process might play out:“Absolutely you can end up in court for failure to pay a payday loan. Im a board certified consumer bankruptcy attorney and will periodically see folks being sued for failure to pay these payday loans. It is, however, uncommon.“After late payment(s) the payday loan company would likely sue the debtor in an area where the debtor has real property and, if they dont have real property, a location convenient for the creditor. Most debtor s will fail to respond to a lawsuit so a default judgment would be entered against them.Once the creditor has a judgment they can attach liens to property like houses, cars, bank accounts, etc. Liens in North Carolina (where I live) last for 10 years and can then be renewed for an additional 10 year period. Other states are very similar.”Its safe to assume a payday loan company will sueâ€"sometimes for much more than you owe.If you have stopped making payments on your payday loan and are hoping the problem will just go away, then guess again.“You should study your loan agreement to see the terms on defaulting and late/missed payments,” advised Shaolaine Loving, a Las Vegas attorney. “Generally speaking, the lender can start assessing late fees and other penalties. Depending on how late you are, they or a collection company will probably start calling to collect on the debt. They can report delinquencies on your credit. Eventually, they can sue you. Even if it’s a small amo unt, dont presume the company wont sue.As Living mentioned, its not just the payday loan company itself that you have to worry about. Most of the time, a debt collector or a law firm will also be involved.Payday loan companies routinely sell their accounts to debt collectors or use attorneys to handle their debt in bulk. Thus, no amount is too small to sue you over, particularly when they can seek late fees, collection costs, court costs, and late fees. The final sum against you can greatly surpass the original amount owed.The only way to prevent a court judgment against you is if you have some legitimate legal defense, like fraud or illegal practices on their part. Otherwise, once they get a judgment against you, they can garnish your wages/assets or lien your property.”Dont ignore a debt collectors calls. Instead, try to negotiate. If it goes to court, show up.Katie Ross, Education and Development Manager at  American Consumer Credit Counseling, or ACCC, gave us her advice on ma naging the threat of a lawsuit:“When you miss a payment, the lender will try to contact you via the contact information you provided (address, phone, email). If you ignore the lender and don’t make any payments, they will turn to a third-party collections agency to try to get the debt back. This can happen even after thirty days of a missed payment.Their tactics may be aggressive, including threatening to notify the credit bureaus. Each city/state has its own laws regarding payday loans, so make sure you know your rights under the Fair Debt Collections Practices Act.“If the collections agency fails to collect your debt, they may sue you even over a small amount. Make sure you show up to court. If a judge rules against you, the collection agency can levy your bank account, garnish your wages, or put liens on your property, depending on the state’s laws.Prevent ending up in court by trying to negotiate your repayment terms with your creditor or entering into a settlement plan. If you do receive a court summons, go to court and ask that the collector show proof that you owe money. If they don’t show proof, your case may get dismissed or at least postponed until they do.”To learn more about your debtors rights, check out our blog post:  What Debt Collectors Can and Can’t Do.If a payday loan company or a debt collector has misstepped, you can take them to court too.Don’t forget that the ability to take someone to court can go both ways. Obviously, a payday lender will likely have more resources than you, but you should still know your options, even if you’re just going to use them as a negotiating tactic.“Usually, consumers end up with grounds to sue the payday lender,” Peterson told us. “Many payday lenders, especially online payday lenders, are not licensed to extend loans to customers in many of the states where their borrowers reside.Under most (if not all) states laws, the payday loan is void and can not be enforced if the lender was no t licensed to make the loan. Debt collectors who attempt to collect a void loan may be liable under the Fair Debt Collection Practices Act (FDCPA) and possibly under similar state laws.“Debt collectors who attempt to collect payday loans often (if not almost always) violate the FDCPA by threatening to press criminal charges or have the borrower arrested for writing a ‘bad check.’ Payday lenders obtain postdated checks from the borrowers. Postdated checks which are eventually dishonored because of insufficient funds are not ‘bad checks’ under the criminal codes.“Debt collectors often burn consumers phones by calling excessively including calls to cell phones even after the consumer instructs the caller to ‘stop calling me.’ If the debt collector is calling a cell phone after the consumer told them ‘stop calling,’ the caller may be liable to the consumer in an amount between $500 to $1,500 per call.”Peterson wrote a guide to what you should do if you’re getting those kinds of calls.While the risk of being taken to court over a payday loan may not be that high, its not like payday loans are worth it in the first place. To learn more about improving your credit scoreâ€"so that you can leave predatory payday loans and title loans in the dustâ€"check out these related posts and articles from OppLoans:How to Fix Your Bad Credit in 2018An Apple a Day Keeps the Bad Credit AwayWhy You Should NOT Close That Old Credit CardHas a payday loan ever landed you in court?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.ContributorsDamon Duncan  (@Damon_Duncan) (@DuncanLaw)  is an attorney on the North Carolina Bar Association and Foundation’s Board of Governors, a member of the Elon University School of Law’s Alumni Council, the Secretary of the North Carolina Bar Association’s Bankruptcy Section and adjunct professor at Elon University School of Law and Guilford Technical Community College.Shaolaine Lov ing (@LovingLawyer) is an attorney who has been practicing law in Las Vegas for over a decade. She established her own firm, Loving Law Ltd., in 2015 and provides services in family law, estate planning, consumer law, contracts, and other legal areas.Donald Petersen is an Orlando, Florida trial lawyer who represents consumers against companies who violate their rights under the Telephone Consumer Protection Act, Fair Debt Collection Practices Act,  Fair Credit Reporting Act and other consumer protection laws.Katie Ross, joined the  American Consumer Credit Counseling, or ACCC, management team in 2002 and is currently responsible for organizing and implementing high-performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.

A Man For All Seasons By Robert Bolt - 1278 Words

The book â€Å"A Man for All Seasons,† by Robert Bolt is a play written to teach us a few important lessons about life. He wrote A Man for All Seasons in 1960, and the play was mounted on the London stage that same year and in New York in 1961. The themes that Bolt uses in writing this play are moral values, self, friendship, and corruption. Moral values are when a character respects his own opinion about something. Self and friendship are the relationships built between characters and how that affects the play. Overall, the most important theme of this play is corruption. Corruption is dishonest or fraudulent conduct by those in power, typically involving bribery. Throughout the play, Bolt incorporates corruption in many ways and through many characters. Some characters that Bolt expresses corruption in is Richard Rich, Matthew, and William Roper. 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Depiction Of Women Using Sociological Theory - 2208 Words

Throughout the history of advertising, women have often been used as a tool to sell products. Depending on who the target audience is for will change the way a woman is exploited in order to sell the product, for example in adverts mainly targeted at a heterosexual male audience, a women will be typically represented as a sexual object. And despite the changing perception of women within society following an acceptance amongst Western culture of feminism, women still continue to be used in printed advertisements as an object of desire rather than an equal human being. As Gill (2008, p.9) argues â€Å"today, the body is portrayed in advertising and many other parts of the media as the primary source of women’s capital.† Before this shifting in Westernised views, women were mainly represented as housewives, who needed to buy the advertised product in order to become the perfect, ideal housewife. I will look at three printed advertisements from various points in contempora ry history and analyse their varying depiction of women using sociological theory. The three advertisements I have chosen to use are as follows: The Kenwood Chef advert declaring that: â€Å"The chef does everything but cook – that’s what wives are for! I’m giving my wife a Kenwood Chef.† –Taken from www.geekslop.com/2014/sexist-portrayals-in-old-vintage-advertisements#jp-carosel-11330. The Tipalet cigarette advert which declares: â€Å"Blow in her face and she’ll follow you anywhere.† – Taken fromShow MoreRelatedStructural Functionalism and Conflict Theory1541 Words   |  7 PagesStructural Functionalism amp; Conflict Theory Karl Marx and Max Weber were the first conflict theorists in the 19th and early 20th centuries. Following Marx and Weber were three mid-20th century conflict theorists: Lewis Coser, Ralf Dahrendorf, and Randall Collins. Coser draws his theoretical ideas from Simmel. 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Starbucks Corporate Analysis Free Essays

Mr†¦ Smith Cutbacks is one of America’s true success stories and a wonder of today’s corporate world. A brand known throughout the world, Cutbacks is a beacon for coffee lovers everywhere. The coffee house phenomenon that started as a dream to come up with the best coffees, best customer service and best coffee experience any coffee lover would appreciate. We will write a custom essay sample on Starbucks Corporate Analysis or any similar topic only for you Order Now Cutbacks started as a coffee roasting company with a single store in Seattle Washington, and has come to be one of the most successful companies in the world serving millions. Since its inception in 1971, Cutbacks has been a model for what many aspire to but often come up short. The following is a brief overview of the company’s finances, including a comparative and ratio analysis to measure profitability and liquidity. Current Ratio Current ratio Is a common financial ratio to measure the liquidity of a corporation. The short term ability Is measured, of a company to pay the maturing obligations, and meet unexpected need for cash (Skies, Kismet, , 2011). Current assets divided by current liabilities is the current ratio formula. Between working UAPITA and current assets, current assets is the more dependable formula (Skies, Kismet, , 2011). Two companies may have very similar working capital and yet have drastically different current ratios. For every dollar of the current ratio, depicts how much current assets, per that dollar the company has (Soles, Kismet, , 201 1 The negative fact of the current ratio is that It doesn’t explain where the asset is. It can be a large portion in inventory which is not the same as having a complete asset. A dollar in inventory does not pay as quickly as a dollar in ash. Cutbacks current assets are 1 1 ,516. 7 (In millions), and the liabilities is 7,034. 4 (Cutbacks, 2013). The current ratio is 1. 63, for every dollar the asset is 1. 63 for the corporation. Return on Assets This ratio Illustrates how effective management Is at generating profit from the company’s assets. Return on assets is calculated by dividing net income over total assets and multiplying that figure by 100. Net income and total assets data can be found on the balance sheet from a biblically traded companies ASK report. Return n assets when simplified shows how many additional dollars the company assists generate. Cutbacks return on asset figure Is . 45673. Meaning each dollar in asset generates roughly $. 45 of Income In 2013. By this figure Cutbacks management did a Commonly referred to as return on net worth, this ratio illustrates profitability by how well a company increases the value of common stock holder investments. These increases are typically re-invested in the company or paid in dividends. To calculate ROE net income is divided by common share holder equity and multiplied by 100. Cutbacks ROE figure for 2013 is $1 . 17350. For each dollar invested by common stock holders Cutbacks generates Just over $1. 17. In 2012 the ROE ratio was a whopping $26. 59. A sharp drop in equity and an equally staggering increase in liabilities in 2013 lead to both profitability figures to be very low by historical and industry standards for Cutbacks. It would be safe to say that if these events occurred during the start up phase off business they likely would not survive. Inventory Turnover Inventory turnover is an important part of any business. This information illustrates how much capital the company has used in comparison to how much inventory it has sold. Company leaders use this information to make financial decisions. This concept is condensed by Jon Scribbled on Indistinguishableness. Com as â€Å"The inventory turnover rate measures the number of times you have turned your inventory during the past 12 months† (Scribbled, 2014). The formula for the turnover ratio is the cost of goods sold divided by the average inventory. The Cutbacks company leaders use this information as well. How to cite Starbucks Corporate Analysis, Papers

Comparison of a Doll’s House and Revolutionary Road Essay Example

Comparison of a Doll’s House and Revolutionary Road Essay Name: Course: Instructor: Date: We will write a custom essay sample on Comparison of a Doll’s House and Revolutionary Road specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Comparison of a Doll’s House and Revolutionary Road specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Comparison of a Doll’s House and Revolutionary Road specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Comparison of a Doll’s House and Revolutionary Road The Revolutionary Road as its title states is a movie about a family made up of the husband, Frank Wheeler, wife, April and their two children. However, it centers o the lives of the husband and wife. The two seek to live fulfilling lives, as their current lives are empty and unsatisfactory despite the presence of material wealth. On the hand, A Doll’s house comprises of a family of husband, Helmer and wife, Nora with their two children. As the title suggests their lives are unfulfilling especially for the wife because the husband seems to care about his business and image within the society. The two works seem to emphasize the presence of differences in terms of the ideals and what people within the marriage consider as happiness. The interpretation of happiness has diverse meaning to the husbands as well as the wives in the tow settings. In addition, priorities within the marriage have been underscored and neglected by those responsible for running the household: husband and wife, in their quest for happiness, societal image and material possession. †¢ Misplacement of priorities and responsibilities due to lack of understanding Misunderstanding in relationships can be attributed to lack of communication or inadequate communication. In addition, it can also be attributed to incompatibility of the two individuals within the relation. April and Frank seem like the perfect family whereas they are not; they have differences in terms of what they want and need in their lives leading to constant arguments. Their misunderstanding and utter lack of communication leads to dreadful events. For instance, Frank fails to communicate to his wife about his promotion at work and his objections towards heading to Paris. April could be described as self-centered because of her decision to seek and abortion, which was inhibiting her dream of going to Paris. She sacrifices her unborn child for a life of happiness and riches with the idea that the secretaries in Paris are paid better than those in America. On the other hand, Helmer has misplaced priorities towards his relationship with his wife leading to a misunderstanding. He views issues in their marriage in the light of material possessions providing for her. As she is about to leave he still does not understand her need for devotion from her husband but instead translates the reason for her leaving as having her needs not met. As he pleads with her not to leave him he states, â€Å"I would gladly work night and day for you, Nora–bear sorrow and want for your sake. But no man would sacrifice his honor for the one he loves.† (Ibsen, 67) This is a clear indication that he would not sacrifice his image for her but only views her needs as only material in nature. †¢ Unrealistic lives and expectations Helmer on the other hand lives in a ‘doll world’ whereby he considers everything from a merry making perspective without viewing life from a real perspective. Helmer views his ability to provide for his family as the only important aspect in his marriage. The marriage is unrealistic as Nora emphasizes that they do not exists as husband and wife but instead live as strangers as they do not know each other. She states, â€Å"I am not speaking about business matters. I say that we have never sat down in earnest together to try and get at the bottom of anything.†(Ibsen, 78) They hardly talk about issues in their marriage. However, Helmer considers talking as irrelevant as he emphasizes that all they need is to have live in the marriage. Frank claims to April that he wants to go to Paris and would love to take her with him. He states, â€Å"All I know now is that feel things. Really feel them. How’s that for an ambition†¦?† (Haythe, 53). He seems to live in a life of delusion that one place is better than the other. Happiness does not dwell in venues but it is people who make venues happy. April picture herself living the life she had always dreamed of in Paris, which is described as the city of love. This is a clear illustration of the need to fulfill ones own desires at the cost of a marriage. †¢ Individualism Nora exercises the fact that she needs her individual space thus she resorts to leaving her well off husband and her own children. This is necessitated by the need to explore her individual self. Nora and Helmer are tow individuals leading tow utterly different lives with individual needs. Nora says to Helmer, â€Å"I must stand quite alone, if I am to understand myself and everything about me.† (Ibsen, 49). She seeks to find herself because she finds her own life as unfulfilling. Helmer on the other hand states, â€Å"†¦But no man would sacrifice his honor for the one he loves.† (Ibsen, 61).This is a clear indication that Helmer leads his own independent from his wife and children, as he is not willing to sacrifice his image and dignity for the standing firm with his wife. On the other hand, April exercises individualism in her quest to seek happiness as she convinces her husband to move to Paris. Her needs are in utter contrast from the needs of her husband who wants to bring up the unborn child and receive the promotion. Her decision to persuade Frank to go Europe is to enable him find himself by soul searching. She convinces him to agree to the idea by telling him, â€Å"Don’t you see that’s the whole idea? You’ll be doing what you should’ve been allowed to do seven years ago. You’ll have time, Frank. You’ll have time to find out what it is that you actually want to do, and when you figure it out you’ll have the time and the freedom to start doing it† (Haythe, 84). This is a clear indication that April is willing to give her husband time to find and lead an individual life without interruptions and bother form the family and work. In conclusion, both pieces of literature emphasize on the presence of communication within any marital union to enable both individuals to understand the need and priorities of the others. In addition, miscommunication can be very costly to a marriage as people rarely meet the needs of the other partner. Work cited Ibsen, Henrik. Project Gutenberg EBook: A Doll’s House. December 13, 2008. Web. 24 May 2012. Accessed from Haythe, Justin. Revolutionary Road. 2008. Web. 24 May 2012. Accessed from

High Temperature Thermoplastics

High Temperature Thermoplastics When we talk about polymers, the most common distinctions we come across are Thermosets and Thermoplastics. Thermosets have the property of being able to be shaped only once while thermoplastics can be reheated and remolded to several attempts. Thermoplastics further can be divided into commodity thermoplastics, engineering thermoplastics (ETP) and high-performance thermoplastics (HPTP). High-performance thermoplastics, also known as high-temperature thermoplastics, have melting points between 6500 and 7250 F which is up to 100% more than standard engineering thermoplastics. High-temperature thermoplastics are known to retain their physical properties at higher temperatures and exhibit thermal stability even in the longer run. These thermoplastics, therefore, have higher heat deflection temperatures, glass transition temperatures, and continuous use temperature. Because of its extraordinary properties, high-temperature thermoplastics can be used for a diverse set of industries such as electrical, medical devices, automotive, aerospace, telecommunications, environmental monitoring, and many other specialized applications. Advantages of High-Temperature Thermoplastics Enhanced Mechanical PropertiesHigh-temperature thermoplastics show a high level of toughness, strength, stiffness, resistance to fatigue and ductility. Resistance to DamagesHT thermoplastics show increased resistance to chemicals, solvents, radiation and heat, and do not disintegrate or lose its form upon exposure. RecyclableSince high-temperature thermoplastics have the ability to be remolded several times, they can be easily recycled and still display the same dimensional integrity and strength as before. Types of High-Performance Thermoplastics Polyamideimides (PAIs)High-performance polyamides (HPPAs)Polyimides (PIs)PolyketonesPolysulfone derivatives-aPolycyclohexane dimethyl-terephthalates (PCTs)FluoropolymersPolyetherimides (PEIs)Polybenzimidazoles (PBIs)Polybutylene terephthalates (PBTs)Polyphenylene sulfidesSyndiotactic polystyrene Noteworthy High-Temperature Thermoplastics Polyetheretherketone (PEEK)PEEK is a crystalline polymer that has good thermal stability because of its high melting point (300 C). It is inert to common organic and inorganic liquids and thus has high chemical resistance. In order to enhance mechanical and thermal properties, PEEK is created with fiberglass or carbon reinforcements. It has high strength and good fiber adhesion, so does not wear and tear easily. PEEK also enjoys the advantage of being non-flammable, good dielectric properties, and exceptionally resistant to gamma radiation but at a higher cost. Polyphenylene Sulfide (PPS)PPS is a crystalline material that is known for its striking physical properties. Apart from being highly temperature resistant, PPS is resistant to chemicals such as organic solvents and inorganic salts and can be used as a corrosion resistant coating. The brittleness of PPS can be overcome by adding fillers and reinforcements which also have a positive impact on PPS’s strength, dimensional stability, and electrical properties. Polyether Imide (PEI)PEI is an amorphous polymer that exhibits high-temperature resistance, creep resistance, impacts strength and rigidity. PEI is extensively used in the medical and electrical industries because of its nonflammability, radiation resistance, hydrolytic stability and ease of processing. Polyetherimide (PEI) is an ideal material for a variety of medical and food contact applications and is even approved by the FDA for food contact. KaptonKapton is a polyimide polymer that is able to withstand a wide range of temperatures. It is known for its exceptional electrical, thermal, chemical and mechanical properties, making it applicable for use in a variety of industries such as automotive, consumer electronics, solar photovoltaic, wind energy and aerospace. Because of its high durability, it can withstand demanding environments. Future of High Temp Thermoplastics There have been advancements with regards to high-performance polymers previously and it would continue to be so because of the range of applications that can be carried out. Since these thermoplastics have high glass transition temperatures, good adhesion, oxidative and thermal stability along with toughness, their use is expected to increase by many industries. Additionally, as these high-performance thermoplastics are more commonly manufactured with continuous fiber reinforcement, their use and  acceptance  will continue.

Biography of Aristotle Onassis

Biography of Aristotle Onassis Aristotle Onassis was a Greek shipping magnate and a wealthy international celebrity. His fame increased enormously in October 1968 when he married Jacqueline Kennedy, the widow of the late U.S. President John F. Kennedy. The marriage sent shockwaves through American culture. Onassis and his new wife, dubbed Jackie O by the tabloid press, became familiar figures in the news. Fast Facts: Aristotle Onassis Nickname: The Golden GreekOccupation: Shipping magnateKnown For: His marriage to former First Lady Jacqueline Kennedy and his ownership of the largest privately-owned shipping fleet in the world (which made him one of the richest men in the world).Born: January 15, 1906 in Smyrna (present day Izmir), TurkeyDied: March 15, 1975 in Paris, France.Parents: Socrates Onassis, Penelope DologouEducation: Evangelical School of Smyrna (high school); no college educationSpouse(s): Athina Livanos, Jacqueline KennedyChildren: Alexander Onassis, Christina Onassis Early Life Aristotle Onassis was born January 15, 1906 in Smyrna, a port in Turkey that had a substantial Greek population. His father, Socrates Onassis, was a prosperous tobacco merchant. Young Aristotle was not a good student, and in his early teens he left school and began working in his fathers office. In 1919, Greek forces invaded and occupied Smyrna. The Onassis family fortunes suffered greatly when Turkish forces invaded in 1922, taking back the town and persecuting Greek residents. Onassiss father was jailed, accused of conspiring with the Greeks who had occupied the region. Aristotle managed to help other family members to escape to Greece, smuggling the familys funds by taping money to his body. His father was released from prison and rejoined the family in Greece. Tensions in the family drove Aristotle away, and he sailed to Argentina. Early Career in Argentina With savings equivalent to $250, Onassis arrived in Buenos Aires and began working at a series of menial jobs. At one point, he landed a job as a telephone operator, and he spent his night shifts improving his English by listening in on calls to New York and London. According to legend, he also overheard information about business deals which enabled him to make timely investments. He began to appreciate that information obtained at the right time could have enormous value. After repairing his relationship with his father, Onassis partnered with him to import tobacco into Argentina. He was soon very successful, and by the early 1930s he was prominent in the Greek expatriate business community in Buenos Aires. The Golden Greek Becomes a Shipping Magnate Seeking to move beyond being an importer, Onassis began to learn about the shipping business. While on a visit to London during the Great Depression, he obtained potentially valuable information: rumors that Canadian freighters were being sold by a troubled shipping company. Onassis bought six of the ships for $20,000 each. His new company, Olympic Maritime, began moving goods across the Atlantic and prospered in the late 1930s. The outbreak of World War II threatened to destroy Onassis growing business. Some of his ships were seized in ports in Europe. Yet Onassis, after safely sailing from London to New York, managed to negotiate to get his fleet back under his control. For most of the war, Onassis leased ships to the U.S. government, which used them to transport vast quantities of war supplies around the globe. When the war ended, Onassis was set up for success. He purchased more ships cheaply as war surplus, and his shipping business grew quickly. At the end of 1946, Onassis married Athina Tina Livanos, with whom he had two children. Tina Livanos was the daughter of Stavors Livanos, another wealthy Greek shipping magnate. Onassis marriage into the Livanos family increased his influence in the business at a critical time. In the postwar era, Onassis assembled one of the largest merchant fleets in the world. He built massive oil tankers which roamed the oceans. He encountered legal problems with the U.S. government over the registration of his vessels, as well as over a controversy about his visa paperwork (which was rooted in conflicting information about his declared birthplace when he had first emigrated to Argentina). Onassis eventually settled his legal problems (at one point paying a $7 million settlement) and by the mid-1950s his business success had earned him the nickname The Golden Greek. Marriage to Jackie Kennedy Onassis marriage to Tina Livano came apart in the 1950s when Onassis began an affair with opera star Maria Callas. They divorced in 1960. Soon after, Onassis became friendly with Jacqueline Kennedy, whom he met through her socialite sister Lee Radziwill. In 1963, Onassis invited Mrs. Kennedy and her sister for a cruise in the Aegean Sea aboard his lavish yacht, the Christina. Onassis remained friends with Jacqueline Kennedy following the death of her husband, and began courting her at some point. Rumors swirled about their relationship, yet it was startling when, on October 18, 1968, the New York Times published the front-page headline, Mrs. John F. Kennedy to Wed Onassis. Aristotle Onassis and Jacqueline Kennedy Onassis in a limousine. Getty Images Mrs. Kennedy and her two children flew to Greece and she and Onassis were married on his private island, Skorpios, on Sunday, October 20, 1968. The marriage became something of a scandal in the American press because Mrs. Kennedy, a Roman Catholic, was marrying a divorced man. The controversy faded a bit within days when the Catholic archbishop of Boston defended the marriage on the front page of the New York Times. The Onassis marriage was an object of enormous fascination. Paparazzi trailed them wherever they traveled, and speculation about their marriage was standard fare in gossip columns. The Onassis marriage helped define an era of jet-setting celebrity lifestyle, complete with yachts, private islands, and travel between New York, Paris, and the isle of Skorpios. Later Years and Death In 1973, Onassis son Alexander died tragically in a plane crash. The loss devastated Onassis. He had anticipated his son taking over his business empire. After his sons death, he seemed to lose interest in his work, and his health began to fail. In 1974, he was diagnosed with a debilitating muscular disease. He died on March 15, 1975, after being hospitalized in Paris. When Onassis died in 1975, at the age of 69, the press estimated his wealth at $500 million. He was one of the richest men in the world. Legacy Onassis rise to the pinnacle of fame and wealth was unlikely. He was born to a merchant family that lost everything in the aftermath of World War I. After relocating from Greece to Argentina as a virtual refugee, Onassis managed to enter the tobacco importing business and by the age of 25 had become a millionaire. Onassis eventually branched out into owning ships, and his business sense led him to revolutionize the shipping business. As his wealth increased, he also became known for dating beautiful women, ranging from Hollywood actresses in the 1940s to the famed opera soprano Maria Callas in the late 1950s. Today, he is perhaps most well-known for his marriage to Jackie Kennedy. Sources Onassis, Aristotle. Encyclopedia of World Biography, edited by Andrea Henderson, 2nd ed., vol. 24, Gale, 2005, pp. 286-288. Gale Virtual Reference Library.Passty, Benjamin. Onassis, Aristotle 1906–1975. History of World Trade Since 1450, edited by John J. McCusker, vol. 2, Macmillan Reference USA, 2006, p. 543. Gale Virtual Reference Library.