Posted by Randy Gomez.

In Business Law class, I learned about business ethics and how an entity should behave as a good citizen. In this article that I found online, it explains how the Federal Communications Commission fined AT&T 100 million dollars for slowing down data speeds to some customers. According to the FCC, AT&T violated a transparency rule by misleading customers saying that their plans were unlimited, when there was a maximum speed that customers would receive. AT&T is accused of not sufficiently informing its subscribers. The FCC chairman Tom Wheeler said “consumers deserve to get what they paid for,” and that, “[b]roadband providers must be upfront and transparent about the services they provide.”

It seems that the corporation was trying to maximize their short-term profits, by not being clear enough about the services provided to the consumer. As it usually happens when a corporation acts unethically to increase their profits, AT&T hurt their profits and now is receiving bad publicity. This is a great example of why companies have to take in consideration moral and ethical principles toward their decisions, instead of just trying to maximize profits.

Randy is a business administration major with a concentration in finance at Montclair State University, Class of 2017.

Posted by Arleen Frias-Arias.

According to NPR News.com, Ocwen Mortgage, who has been tasked by FDIC (Federal Depose Insurance Corporation) and US Department of Treasury to assist consumers that are delinquent in their mortgages, is being sued. New York State’s top financial regulator has launched an investigation into Ocwen’s practices as it turns out they are finically hurting home-owners, not helping them get out of foreclosure.

The gist of the article is that Ocwen committed fraud by preparing mortgage documents particularly on what is called a loan modification, which is a legal contract prepared to adjust the payments of loan borrowers who could not make their payments due to hardship. They are also accused of not posting payments already in their possession from borrowers until past the payment due date, deliberately causing homeowners to become late and incur fees.

In my opinion, more needs to be substantiated by regulators to determine if this was widespread, because Ocwen seems to have a reputation of consistently not adhering to the law.

Arleen is a marketing and communication/TV production major at Montclair State University, Class of 2018.

Posted by Orintia Daniels.

Bankrupt: “(of a person or organization) declared in law unable to pay outstanding debts.” According to dictionary.com, this adjective simply means that a particular person or organization is in debt and owes money to another organization or person. I have came across an article called “How do I declare Bankruptcy?” which explains the various forms of bankrutpcy as well as how someone can actually declare bankruptcy.

Let’s talk chapters! No, not just any chapters; specifically, let’s review Chapters 7, 11, and 13 of the Bankruptcy Code. Let’s explain, starting with Chapter 7.

Have you ever heard the term “Everything must go?” Well, Chapter 7 of the Bankruptcy Code, states that whoever files under that chapter might lose everything. For example, a person may lose his or her home, due to not being able to pay the bank their debts. Chapter 7 “liquidates your assets to pay off as much of your debt as possible. When it is all done, you are left with the least debt possible, but you usually have to sacrifice a number of possessions along the way to make that happen.” (HG.org).

On the other hand Chapter 11 is mainly for businesses, such as corporations and partnerships, but can be available to individuals. It has no limits on the amount of debt, as Chapter 13 does. It is the usual choice for large businesses seeking to restructure their debt. Under Chapter 13, the Code:

allows the filer to reorganize their debt, making it more manageable. Under a Chapter13 bankruptcy, the debtor is able pay off their debts over a period of three to five years. For filers with consistent, predictable incomes, a Chapter 13 bankruptcy may be a great way out of debt by creating a sort of legal grace period. If the debtor makes all payments required under the bankruptcy order, and there are still debts remaining at the end of the grace period, those debts are discharged” (HG.org).

Overall, Chapter 13, is primarily for personal struggles, by anyone who may not be able to pay off their debts.

For one to declare bankruptcy, there are two main methods: as an individual, which is to voluntarily file for bankruptcy, or wait for creditors to ask the court to declare you bankrupt. To further understand the different ways to file for bankruptcy and the different forms of bankruptcy, I personally suggest that you continue your interest on the following website.

Orintia is a marketing major with a minor in economics at Montclair State University, Class of 2017.

Posted by Anthony Leineweber.

The coal business just isn’t what it used to be and some companies are finding that out the hard way.  Most recently, it was Bumi, “Asias most-indebted coal miner,” that had to bite the bullet and file for creditor protection here in the U.S. “Bumi Investment Pte Ltd listed assets and debt of as much as $1 billion each in Chapter 15 papers filed today in U.S. Bankruptcy Court in Manhattan.” Chapter 15 bankruptcy is fairly new as of 2005 and deals with problems like debt and the control of certain assets involving more than one country. “Companies use Chapter 15 of the Bankruptcy Code to fend off creditor claims in the U.S. while they reorganize their finances elsewhere.”

“Bumi Investment and Jakarta-based Bumi Resources failed to make a coupon payment on $700 million of October 2017 notes last month, following a 30-day grace period.” Clearly, they are in serious trouble after not being able to get the money together even after being granted a 30 day grace period. About a week ago, the Singapore court disallowed any action or continuation by creditors for six months. “The court-obtained moratorium marks another chapter in efforts to contain the fallout in their mainstay coal business. Coal prices have slumped more than 50 percent since the end of 2010.”

Anthony is a marketing major at Montclair State University, Class of 2016.

Both sides of the political isle are pressuring the Fed to be more transparent regarding its monetary policy and cease “cozying up” to the banks it oversees. There are several legislative proposals that some prior Presidents of the Fed consider to be a threat to its independence. If any one of them are passed, it would be the first major overhaul of the institution since the Full Employment and Balanced Growth Act of 1978.

Senate Banking Committee Chairman Richard Shelby is concerned with the Fed’s portfolio, because since 2008 the Fed more than quadrupled its balance sheet to $4.5 trillion. It purchased bonds to suppress longer-term interest rates, but Shelby is at a loss to discover as to what the Fed is going to do with them.

Sen. Rand Paul, along with 29 other Republican Senators, the Majority Leader, and one Democrat, is sponsoring a bill requiring the Fed to be subject to “regular audits” of its monetary policy by the General Accounting Office (GAO). Paul reasoned it is “‘unseemly that an organization that we’ve given the power, the monopoly, of making money uses that power then to try to thwart transparency.’”

Representative Bill Huizenga of Michigan, head of the House Financial Services panel’s subcommittee on monetary policy, wants to require the Fed to use a mathematical rule when it changes interest rates. New Jersey Republican Representative Scott Garrett has introduced a bill entitled, the “Federal Reserve Transparency and Accountability Act” that “would require the central bank to perform a cost-benefit analysis of any new banking rule, submit internal audits and performance reviews to Congress and send a top official to testify before lawmakers on financial rule-making.”

There is at least some change to the selection of governors. Current law now requires at least one member of the seven-member Board of Governors to have community banking experience. It brings experience other than the traditional “academic” or “megabank” experience, as the proponent of the original bill, Sen. David Vitter of Louisiana, described. Individual governors on Fed’s Board of Governors are required to be confirmed by the Senate. The Board of Governors makes important decisions on interest rates and how banks are regulated. But specific expertise in banking is not a requirement for any of the positions. “Of the board’s current five members, three are economists and two are lawyers.” The addition of a governor with community banking experience, however, lends more diversity in the decision-making process.

The New York branch has been the target of Democrats, in particular Sen. Elizabeth Warren from Massachusetts. She has been critical of the current president, William C. Dudley, of being too chummy with big banks. Warren wants more congressional oversight of the central bank. Democratic Senator Jack Reed of Rhode Island suggests that selection of the New York Fed president should be confirmed by the Senate and has proposed a bill requiring it. Currently, the bank’s directors select the twelve district bank presidents who are then sent on for approval by the Fed board located in Washington.

A lot of criticism surrounds the amount of power the president of the New York branch has over policy set by the Federal Open Market Committee (FOMC). The president of the New York bank is the only president that does not have to rotate on the committee. Dallas Fed President Richard Fisher called for the “stripping” of the New York president’s permanent role on the FOMC, because the New York branch wields too much power and influence. The Independent Community Bankers of America, a Washington lobby consisting of 6,500 members, agree.

Both Democrats and Republicans want a more accountable Fed, but there are detractors who believe that legislation would only have the effect of politicizing the central bank. In one poll, 24% of Americans polled believe that politics should stay out of the Fed.

Posted by Patrick Cleaver.

Every law is made to help the public, to protect the safety of the driver, and deliver a reliable car. The car industry knows they make mistakes and are responsible for fixing the damages for free when such mistakes occur and cars get recalled. However, does a used owner know that he/she is able to get his/her car fixed for free once it had been recalled? Most people do not know that a dealer will fix the car for free after it has been recalled, so the damages are never fixed. The car, marked as dangerous, is instead sold at auctions and then sold again without ever being properly taken care off. While this may end up with nobody getting hurt, doing leaves a huge risk at the buyer’s expense.

Delia Robles was one of the unfortunate people who had been taken advantage of by this system and it ended up costing her much more than she bargained for, getting killed by a defective airbag. Ms. Robles was driving a 2001 Honda Civic on her day off from work when she hit a pickup truck. An accident that would normally end with her walking away unscathed turned into her death bed. The car she was driving has been sold five times over a fourteen-year span and was most recently bought by her son who had no idea that the car was not safe. The information which had not been released to him is that the car was never fixed after it had been recalled for problems with its airbags.

The car was equipped with Takata airbags which “have been linked to 15 deaths.” The airbags were not safe due to being made out of product that wore out over time. That meant that the airbag was a time bomb waiting to explode and Ms. Robles is the one who triggered it. When hitting the truck the Honda had released its airbags which burst and sent metal pieces flying at and killing Ms. Robles.

The issue at hand is that there are no safeguards which prevent deaths like these from occurring. The previous owner is not reliable for not fixing the car like a dealership would be had this happened to a new car. That owner is also not responsible for informing the new owner of the risks they are taking by buying the car. The auction simply sells the car “as is” and does not say whether or not the car is safe to buy.

While there are no federal laws protecting the consumer of accidents in used cars, there are state laws which are implemented in order to keep people safe. According to the New York State law, a seller is not allowed to conceal a material defect because that is a fraudulent action. Also, the New York State auctions are not allowed to sell vehicles “as is” unless they are government agencies. This is a step forward towards the right (safe) way, but does not fix the problem because the Department of Finance takes advantage of it. This department still allows clear negligence by huge companies which can lead to more incidents like the one Ms. Robles experienced. CarMax is a great example of this problem. “CarMax, one of the country’s largest used-car dealers, advertise that their vehicles pass rigorous safety tests – even if the cars have unrepaired problems for which recalls have been issued.” These companies are basically misleading the customers, making people believe that their cars are safe when in reality they could be death traps.

No malice can be proven in the case of Ms. Robles since it has had so many past owners and neither her son, nor the owner before him were aware of the recall on the Honda. Unfortunately, Ms. Robles was a victim of a broken system and now the 50 year old will never get to see her three grandchildren grow up.

Patrick is an accounting major at the Stillman School of Business, Seton Hall University, Class of 2018.

Posted by Steven Doolittle.

Daily fantasy sports are a huge part of the culture in the United States. DraftKings and FanDuel are two of the largest providers of daily fantasy sports and the New York State attorney general on Tuesday ordered those two fantasy sports companies to stop accepting bets from New York residents, due to their games constituting illegal gambling under the current state law. This decision has caused a major problem for the multibillion dollar industry, which has created a demographic of young people and partnerships with professional sports teams. Belief that this decision will continue into other states, a downward spiral for this industry is possible.

In 2006, fantasy sports that involved gambling were exempted from a prohibition against processing online financial wagering, because it was decided the games took more skill than luck. However, now with the offering of huge prizes on more individual sports leads to it being more luck- based, and therrfore, the decision is being questioned. As stated in the article, “The two companies can challenge the attorney general’s order in court. According to Joseph M. Kelly, a professor of business law at the State University College at Buffalo, the state would have to prove that chance is a material factor in fantasy sports, which would make it gambling.” There is a lot the needs to happen to finalize whether it can be classified as illegal.

“The attorney general’s office said daily fantasy sports ‘appears to be creating the same public health and economic problems associated with gambling.’” FanDuel and DraftKings argue that fantasy sports is a game of skill and legal under New York state law. Politicians are saying people are not allowed to play a game they love. It is a debate that will change the world of fantasy sports.

Steven is a student at the Stillman School of Business, Seton Hall University, Class of 2018.

Posted by Arleen Frias-Arias.

According to NPR News.com, Ocwen Mortgage, who has been tasked by FDIC (Federal Depose Insurance Corporation) and US Department of Treasury to assist consumers that are delinquent in their mortgages, is being sued. New York State’s top financial regulator has launched an investigation into Ocwen’s practices as it turns out they are finically hurting home-owners, not helping them get out of foreclosure.

The gist of the article is that Ocwen committed fraud by preparing mortgage documents particularly on what is called a loan modification, which is a legal contract prepared to adjust the payments of loan borrowers who could not make their payments due to hardship. They are also accused of not posting payments already in their possession from borrowers until past the payment due date, deliberately causing homeowners to become late and incur fees.

In my opinion, more needs to be substantiated by regulators to determine if this was widespread, because Ocwen seems to have a reputation of consistently not adhering to the law.

Arleen is a marketing and communication/TV production major at Montclair State University, Class of 2018.

Posted by Mihran Naltchayan.

On January 16, 2012 around 1:30am, there was a burglary at a jewelry store named “Taline’s Jewelry” in Edgewater, NJ. Burglary is the breaking and entering into a building with the intent to commit a felony therein.

The jewelry store was arranged with a front display space, and the store next door was empty. The empty store is a big building that wrapped around the backend of the jewelry store. The “Ninja Bandit Burglary Crew” cut into a common wall of the empty store and entered the jewelry store from the backend so nobody can see them from the front side. This crew had three people. They didn’t realize that the walls had a vibration sensor that sends a quiet message to the Edgewater police department. So when the police officers arrived, they tried to run away.

“An Edgewater cop fired at least one shot at a thief who used a police cruiser as a getaway car, after a group of officers interrupted an overnight jewelry store break-in involving an alleged member of the infamous ‘Ninja Bandit’ burglary crew.” (Cliffviewpilot.com). The officers arrested 2 of the 3 people. They found the cop car in Teaneck, New Jersey 9:30 am the same day. The third guy wasn’t found.

The two men were brought to a Municipal Court judge in Edgewater and the judge ordered the defendants to be held on $50,000 bail each; they were charged with burglary, resisting arrest, criminal arrest and possession of burglar tools. (Cliffviewpilot.com).

I wrote about this article because this jewelry store is my father’s, and I thought it would be a good article to use for business law, since we cover criminal law in class.

Mihran is a marketing major at Montclair State University, Class of 2016.

Posted by Shaaliyah T. Lyons. 

Background:

On ­­­­one Saturday night around 11:00pm stopped at a light, I looked up and realized I was being pulled over on Central Ave., in East Orange New Jersey.  Already in the far-right lane, I moved over slightly to get out the way of traffic.  I turned the car off and my two friends and I immediately started trying to figure out why we were being pulled over.  Is it my tinted windows? Was I speeding? What is the speed limit? Did someone throw something out at the window?  All in all, no one was really sure what actually happened but we all assumed it was my tinted windows, which have caused controversy in past.

Finally, the officer comes to the car with her flashlight beaming in the passenger and back seat as her partner comes on the driver side.  First, she asked for my license and registration.  Out of curiosity I asked why was I being pulled over.  She was hesitant and asked for my license again, for me this was a red flag.  I asked again for her reasoning for pulling me over. She proceeded to give me two reasons, one being my tints and the other because I was speeding.  In response to my tinted windows, I quickly explained that according to NJ Tint laws it depends on the part of the car:

Windshield: No tint is allowed on the windshield.

Front Side windows: No tint can be applied legally to this window.

Back Side windows: Any darkness can be used.

Rear Window: Any darkness can be used.

Following this explanation, I showed her that my front windows were not tinted. In regards to the second the reason, I simply questioned what was the speed limit and how fast was I going.  It was at this moment in which friction arose between us.  She could not tell me how fast I was going but mentioned that she had to do 50mph to catch up to me. I gave her my information and waited for her to come back to the car.

As she walked back, her partner’s family member proceeded to pull up to the gas station next to where I was pulled over.  As I continue into the next part of the background of the incident, please keep in mind that the entire time her partner was not in the scene and conversing with his family member in the gas station.

When she came back, she explained that she had given me a careless driving ticket.  A careless driving ticket usually occurs after an accident or when someone is found to be carelessly driving and putting someone’s life in danger.  Her explanation went as follows, “Because I do not have a radar, I cannot give you a speeding ticket; therefore, I am going to issue you a careless driving ticket.” Here is when it gets confusing because at this point no one really knows if I was even speeding and if so how fast I was going.  My follow up question to her (before taking the ticket) was, “Just for clarification, because you cannot prove I was speeding, you have to give me another ticket (which is arguably worse than a speeding ticket)?” She did not answer the question. After a minute or so of going back and forth, she proceeded to aggressively place my tickets and paper work on my dash board.

My Court Appearances

A week after I received my ticket, I called the East Orange Municipal Court to go over my court date. From there, I was informed that the date on the ticket is not an accurate day; the court told me they would enter me as a not guilty plea and I was issued a new court date.  On my new court date, the first person I talked to was the prosecutor, who gave me the opportunity to plead guilty to the obstruction of traffic.  This was a fine under $100, no points on my license, and I wouldn’t have to be in court all day.  I declined this offer, as you can tell from my story, I was doing the opposite of obstructing traffic, I was in fact going with the flow of traffic.  When it was my time to speak to the judge, they realized that even though I previously pled not guilty, the officers involved were not notified.

The following week, I submitted a request for discovery regarding my case.  Almost a month later, I came to court prepared with the copy of my discovery request, my witness, as well as the facts of the case.  The facts of this case went as followed:

1. A cop is not supposed to catch up to a car and proceed to pull them over; they are to pace behind them to have a gage of how fast they are going.A cop is not to place their hand on your property it can be considered trespassing on private property.

2. As stated before, there are no laws against the tints on my car.

3. In a 15 mile radius there is only one speed limit sign that is almost impossible to see at the time I was pulled over (brought in a picture).

4. The officer could not prove that I was driving in a careless manner that could endanger others.

When I entered the court room, I was asked if I wanted to continue to plead not guilty.  I confirmed.  When it was my turn to speak to the judge, he issued me a new court date.  That is when I explained that this is my 2^nd time and court and the officer has already been notified.

I motioned to dismiss this case due to lack of evidence against me, and he approved my motion and dismissed the case!  In the end, I did not have to pay any fine or have any points added to my license.

Shaaliyah is a sports management major with a certificate in entrepreneurial studies, at the Stillman School of Business, Seton Hall University, Class of 2017.

Posted by Yuanda Xu.

In 2003, Lucent Technologies decided to fire the CEO, COO, Financial Executive and marketing manager in China. Lucent did this because company in China bribed the Chinese officials to get more benefits. As expected, Lucent fired these four people, and paid $2.5 million to settle charges. The company paid a $1 million fine to the Justice Department and $1.5 million to the Securities and Exchange Commission.

In 1977, America enacted the “Foreign Corrupt Practices Act” to prohibit companies from bribing officials in other countries to get more benefits. What Lucent Technologies did violate the Act, because Lucent Technologies bribed the Chinese officials to get more benefits and reduced business opportunities for other companies. That violates the FCPA.

Yuanda is a business management major at Montclair State University, Class of 2017.

Both sides of the political isle are pressuring the Fed to be more transparent regarding its monetary policy and cease “cozying up” to the banks it oversees. There are several legislative proposals that some prior Presidents of the Fed consider to be a threat to its independence. If any one of them are passed, it would be the first major overhaul of the institution since the Full Employment and Balanced Growth Act of 1978.

Senate Banking Committee Chairman Richard Shelby is concerned with the Fed’s portfolio, because since 2008 the Fed more than quadrupled its balance sheet to $4.5 trillion. It purchased bonds to suppress longer-term interest rates, but Shelby is at a loss to discover as to what the Fed is going to do with them.

Sen. Rand Paul, along with 29 other Republican Senators, the Majority Leader, and one Democrat, is sponsoring a bill requiring the Fed to be subject to “regular audits” of its monetary policy by the General Accounting Office (GAO). Paul reasoned it is “‘unseemly that an organization that we’ve given the power, the monopoly, of making money uses that power then to try to thwart transparency.’”

Representative Bill Huizenga of Michigan, head of the House Financial Services panel’s subcommittee on monetary policy, wants to require the Fed to use a mathematical rule when it changes interest rates. New Jersey Republican Representative Scott Garrett has introduced a bill entitled, the “Federal Reserve Transparency and Accountability Act” that “would require the central bank to perform a cost-benefit analysis of any new banking rule, submit internal audits and performance reviews to Congress and send a top official to testify before lawmakers on financial rule-making.”

There is at least some change to the selection of governors. Current law now requires at least one member of the seven-member Board of Governors to have community banking experience. It brings experience other than the traditional “academic” or “megabank” experience, as the proponent of the original bill, Sen. David Vitter of Louisiana, described. Individual governors on Fed’s Board of Governors are required to be confirmed by the Senate. The Board of Governors makes important decisions on interest rates and how banks are regulated. But specific expertise in banking is not a requirement for any of the positions. “Of the board’s current five members, three are economists and two are lawyers.” The addition of a governor with community banking experience, however, lends more diversity in the decision-making process.

The New York branch has been the target of Democrats, in particular Sen. Elizabeth Warren from Massachusetts. She has been critical of the current president, William C. Dudley, of being too chummy with big banks. Warren wants more congressional oversight of the central bank. Democratic Senator Jack Reed of Rhode Island suggests that selection of the New York Fed president should be confirmed by the Senate and has proposed a bill requiring it. Currently, the bank’s directors select the twelve district bank presidents who are then sent on for approval by the Fed board located in Washington.

A lot of criticism surrounds the amount of power the president of the New York branch has over policy set by the Federal Open Market Committee (FOMC). The president of the New York bank is the only president that does not have to rotate on the committee. Dallas Fed President Richard Fisher called for the “stripping” of the New York president’s permanent role on the FOMC, because the New York branch wields too much power and influence. The Independent Community Bankers of America, a Washington lobby consisting of 6,500 members, agree.

Both Democrats and Republicans want a more accountable Fed, but there are detractors who believe that legislation would only have the effect of politicizing the central bank. In one poll, 24% of Americans polled believe that politics should stay out of the Fed.

Posted by Shaaliyah T. Lyons. 

Background:

On ­­­­one Saturday night around 11:00pm stopped at a light, I looked up and realized I was being pulled over on Central Ave., in East Orange New Jersey.  Already in the far-right lane, I moved over slightly to get out the way of traffic.  I turned the car off and my two friends and I immediately started trying to figure out why we were being pulled over.  Is it my tinted windows? Was I speeding? What is the speed limit? Did someone throw something out at the window?  All in all, no one was really sure what actually happened but we all assumed it was my tinted windows, which have caused controversy in past.

Finally, the officer comes to the car with her flashlight beaming in the passenger and back seat as her partner comes on the driver side.  First, she asked for my license and registration.  Out of curiosity I asked why was I being pulled over.  She was hesitant and asked for my license again, for me this was a red flag.  I asked again for her reasoning for pulling me over. She proceeded to give me two reasons, one being my tints and the other because I was speeding.  In response to my tinted windows, I quickly explained that according to NJ Tint laws it depends on the part of the car:

Windshield: No tint is allowed on the windshield.

Front Side windows: No tint can be applied legally to this window.

Back Side windows: Any darkness can be used.

Rear Window: Any darkness can be used.

Following this explanation, I showed her that my front windows were not tinted. In regards to the second the reason, I simply questioned what was the speed limit and how fast was I going.  It was at this moment in which friction arose between us.  She could not tell me how fast I was going but mentioned that she had to do 50mph to catch up to me. I gave her my information and waited for her to come back to the car.

As she walked back, her partner’s family member proceeded to pull up to the gas station next to where I was pulled over.  As I continue into the next part of the background of the incident, please keep in mind that the entire time her partner was not in the scene and conversing with his family member in the gas station.

When she came back, she explained that she had given me a careless driving ticket.  A careless driving ticket usually occurs after an accident or when someone is found to be carelessly driving and putting someone’s life in danger.  Her explanation went as follows, “Because I do not have a radar, I cannot give you a speeding ticket; therefore, I am going to issue you a careless driving ticket.” Here is when it gets confusing because at this point no one really knows if I was even speeding and if so how fast I was going.  My follow up question to her (before taking the ticket) was, “Just for clarification, because you cannot prove I was speeding, you have to give me another ticket (which is arguably worse than a speeding ticket)?” She did not answer the question. After a minute or so of going back and forth, she proceeded to aggressively place my tickets and paper work on my dash board.

My Court Appearances

A week after I received my ticket, I called the East Orange Municipal Court to go over my court date. From there, I was informed that the date on the ticket is not an accurate day; the court told me they would enter me as a not guilty plea and I was issued a new court date.  On my new court date, the first person I talked to was the prosecutor, who gave me the opportunity to plead guilty to the obstruction of traffic.  This was a fine under $100, no points on my license, and I wouldn’t have to be in court all day.  I declined this offer, as you can tell from my story, I was doing the opposite of obstructing traffic, I was in fact going with the flow of traffic.  When it was my time to speak to the judge, they realized that even though I previously pled not guilty, the officers involved were not notified.

The following week, I submitted a request for discovery regarding my case.  Almost a month later, I came to court prepared with the copy of my discovery request, my witness, as well as the facts of the case.  The facts of this case went as followed:

1. A cop is not supposed to catch up to a car and proceed to pull them over; they are to pace behind them to have a gage of how fast they are going.A cop is not to place their hand on your property it can be considered trespassing on private property.

2. As stated before, there are no laws against the tints on my car.

3. In a 15 mile radius there is only one speed limit sign that is almost impossible to see at the time I was pulled over (brought in a picture).

4. The officer could not prove that I was driving in a careless manner that could endanger others.

When I entered the court room, I was asked if I wanted to continue to plead not guilty.  I confirmed.  When it was my turn to speak to the judge, he issued me a new court date.  That is when I explained that this is my 2^nd time and court and the officer has already been notified.

I motioned to dismiss this case due to lack of evidence against me, and he approved my motion and dismissed the case!  In the end, I did not have to pay any fine or have any points added to my license.

Shaaliyah is a sports management major with a certificate in entrepreneurial studies, at the Stillman School of Business, Seton Hall University, Class of 2017.