Fixing Credit is One More Challenge for Releasees
I'm writing about a problem that I've been dealing with for the last two years of my incarceration. If you all have any information that will help me, please send it or put me in touch with someone who can help.
Basically I had a normal life before I was incarcerated. Meaning I had bills. Due to my incarceration I fell behind on all my bills, ruining my credit.
I've found information in the library to run my credit report and contact my debtors. But the mail room here will not allow me to send out anything that has to do with finances. They advise me to appoint a power of attorney.
My problem is this, how does DOC expect us to be "rehabilitated" while incarcerated, but won't allow us to do for ourselves? I'm going to be released to society with terrible credit, no money and no means (legally) to provide for myself. And I'm certainly not the only one. This system is creating a cycle that turns DOC into a revolving door. And does nothing but add to the paychecks for the state.
Everybody doesn't have family out there to provide for them. So I thought I could try to handle my own business but I'm being held back. I read the policy and it basically states that as a prisoner we are not allowed to sign financial contracts or start/conduct business via mail or phone.
So I'm reaching out to see if any other prisoners are having this problem. If so has there been a solution? Because I have several ideas on how we can help ourselves to have the funds to start over once released. But how do I implement them with the restrictions applied by DOC? Hell I don't even know if they'll let me send this out asking for help.
MIM(Prisons) responds: This comrade describes just one of many problems releasees will face as soon as they hit the streets. Usually thinking about your credit is not the first order of business for a released prisoner. But this can have a big impact on your ability to find housing and set up basic services (which require credit cards). There are ways to rebuild your credit rating, but it's slow and one more problem to add to the difficulties of life on the streets with a prison record. And as this writer points out, all this adds up to a revolving door of recidivism.
We don't have any easy ways to help fix this credit problem, or the bigger question of how to set up businesses from behind bars. However, we hope that our comrades with release dates or finite sentences will start thinking about this well in advance. If you have someone on the outside who can help square up your delinquent bills, it's never too early to ask for help. And if your prison allows you to send mail out to those billers directly, you might be able to work something out with them to defer the debt.
If anyone else has ideas to help folks hitting the streets to deal with these sorts of financial challenges, write in to share them. We want to help our comrades hitting the streets to ease their transition as much as possible. This is critical to making it possible for releasees to continue their political work on the streets. We need an army of former prisoners building independent institutions of the oppressed, to support new releasees.