Can a Payday Lender Garnish Your Wages

Can a Payday Lender Garnish Your Wages Can a Payday Lender Garnish Your Wages? Can a Payday Lender Garnish Your Wages?If you fail to pay back a payday loan, having your wages garnished by a court judgment is certainly a possibility.There are a lot of risks involved in taking out a payday loanâ€"too many risks if you ask us. First of all, there’s the interest rate, which comes out to an average APR of almost 400 percent. Next, there are the short payment terms, which mean you usually have only two weeks to pay the loan back in full. Lastly, there are the lump sum repayment terms, which can be harder for many folks to pay back than an installment loan that lets them pay it off over time.But there are even risks beyond those. For instance, do you know what happens if you can’t pay your payday loan back? One of the options could be to the roll the loan over, which means that only pay the interest due and then you extend the loan term in return for a whole new round of interest.But if you default on the loan entirely, the situation will go from bad to worse. You could even end up in court with your wages getting garnished. The answer to the headline above, by the way, is “yes.” If you fail to pay back a payday loan, your creditors can get your wages garnished. The only thing is … it might not be the payday lender that’s doing it. What happens when you default on a payday loan?To broadly paraphrase one of the worst lines in modern film history, “the same thing that happens when you default on any other kind of loan.” Defaulting on a personal loan means that you have failed your end of the loan agreement. Once a default has occurred, your creditor pretty much gives up on you paying what was originally agreed  upon and shifts into trying recover as much of the loan as they can.Except that most lenders have a different way of going about this. Instead of trying to collect on your debt themselves, they opt to get out of the game altogether. In situations like this, they will sell your account to debt collection company for a fractio n of what you still owe and write the whole thing off as a loss. That debt collector is now the creditor to whom you owe money, and they are the ones who will try and get you to pay.There’s one aspect of this situation, however, that’s a little different for payday loans than it is for regular loans. Most payday lenders don’t report your payment information to the credit bureaus, which means that any one-time payments you make on that loan won’t help your score.In contrast, debt collectors do report to the bureaus, which means that defaulting on your loan and having that debt sold off will result in a black mark appearing on your credit report. This is why taking out a payday loan cannot help your score, but it can harm it. This has very little to do with the issue of wage garnishment, but it is a nice little reminder that payday loans are almost never worth the risk.Creditors can take you to court if you dont repay.A debt collection company will first try and get you to rep ay by calling you on the phone. They might even start calling your friends, relatives, and work associates. While it is legal for them to do that, there are many other practices they might engage in that are also flatly illegal, like threatening you. You can learn more about your debt collection rights in our post, What Debt Collectors Can and Can’t Do.If trying to collect via the traditional methods doesn’t work, that debt collector can take you to court. The same holds true for payday loan companies that have held onto your debt to collect themselves. But payday loan companies taking debtors to court is possible, it doesn’t happen very often.The idea of taking a debtor to court is to have the judge rule against you and issue a judgment in the creditor’s favor for a garnishment. That means that a certain amount of money will be deducted from each of the debtor’s paychecks until the debt is repaid in full. While a regular paycheck can be garnished, there are certain kinds of income, like Social Security benefits, are exempt from standard forms of garnishment.Sometimes, you could end up getting your wages garnished to pay a debt much larger than what you originally owed. The moment you fall behind in payments, most lenders will start racking up fee and late chargesâ€"plus court costs once they do take you before a judge. Add in the fact that many companies will sue debtors in bulk, and there is almost no amount too small for them to take you to court over.What can you do to avoid wage garnishment?There are three things that you can to stave off the possibility of going to court and getting money garnished from your paycheckNegotiate: It can tempting to just entirely ignore a debt collectors calls. Don’t do that! Instead, use this is an opportunity to negotiate with them and settle on a smaller amount. Many debt collectors don’t have very high expectations that they’ll be paid back in full. Take advantage of this and offer them the low-hanging fr uit of smaller (but guaranteed) payday.Show up: You know what happens when one sports team doesn’t show up to the game? They forfeit. And many debt collectors are hoping the exact same thing happens when they take you to court. If you don’t show up, they win by default. So show up! If you do, that means they’ll actually have to make their case, and they might not be as prepared to do so as you’d think.Hold them accountable: Remember, your debtors aren’t the only ones who can take you to court. You can also take them to court if they violate your rights. And while there are a ton totally legit debt collectors, there are also some who will do illegal stuff to try and intimidate you into paying. Learn about your rights under the Fair Debt Collection Practices Act (“FDCPA”) and be prepared to fight back if a debtor crosses the line.But in the end, theres only one foolproof solution. The best way to avoid having a payday lender garnish your wages is to avoid taking out a pa yday loan in the first place! The same goes for other types of short-term no credit check loans like title loans and cash advances.While any loan you take out is going to require repaymentâ€"whether its an online loan or one from a brick-and-mortar lenderâ€"there are many other bad credit loans out there that will give you lower rates, better terms, and more manageable payments than your standard payday loan. Plus, lenders like OppLoans even report your payment information to the credit bureaus, meaning that on-time payments will help your credit score!To learn more about payday loans, check out these related posts and articles from OppLoans:What is the Payday Loan Debt Cycle?How to Protect Yourself from Payday Loan Call ScamsWhat’s the Difference Between a Payday Loan and an Installment Loan?Has a payday lender ever tried to garnish your wages? We want to hear from you! You can find us  on  Facebook  and  Twitter.

The Issue Of American History Essay - 2225 Words

In the discussion of American history, one controversial issue has been the importance of laws. On the one hand, some people argue that laws shapes history. On the other hand, other contends that laws reflect American history. The latter argument is correct. Though, American history spans only 300 years, numerous laws in the country have changed the lives of its people. It is obvious that America today is different than 100 years ago. Today, attitudes towards certain subjects such as gay rights, torture, crime, marijuana have changed the direction of laws in the country. In those cases, the laws have been beneficial to those cause, because the country voiced their opinion on those issues. The same could be said about America in its infancy, both as a group of colonies and its beginnings as an early, yet dominant Republic. In Pre-Modern America, it was a transitional period as some laws were reflected religious beliefs. As the country modernized it became more progressive and legal ca ses were more based on precedent (Hoffer 2016). Women and African-American were disenfranchised groups, and laws did not help them until much later in American history. Looking at the Gilded Age, the government looked to help business and believe in free-market ideology. In retrospect, those decisions are laughable, but it affected a lot of people at the time. Sometimes stubborn beliefs affected law’s passage or rejection in the courts. Attitudes of different eras have dictated the laws in theShow MoreRelatedThe Issue and History of Illiteracy Among African Americans1510 Words   |  7 PagesThe Issue And History Of Illiteracy Among African Americans Becca White Writing 123 Instructor Sydney Darby 27 May 2008 Illiteracy is a growing issue in America. The U.S. Department of Education funded the National Adult Literacy Survey (NALS) in 1992 that estimates over 90 million Americans fall well below an eight grade literacy level (Rome, 2004, pp. 84). Nowhere is this tragedy more prevalent than among the impoverished African Americans. Illiteracy has always been higher among AfricanRead MoreFree College Is Not An Issue That Has Transcended American History1048 Words   |  5 PagesFree education is not an issue that just affects today’s society, it is a problem that has transcended American history. Founding Father, John Adams stated, â€Å"The whole people must take upon themselves the education of the whole people, and must be willing to bear the expense of it.† Every year many high school graduates find themselves asking themselves, â€Å"What next?† For most, the logical answer is to continue their education. That is, if they can afford it. For those more financially-needy studentsRead MoreThe Brown v. 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This is significantRead MoreThe Confederate Flag And The Civil War1508 Words   |  7 PagesFlags have been a part of history since the beginning of time and the Confederate flag is a large part of the United States history. People need to learn what the flag has represented. The true meaning. Not what they think the flag has represented. Teaching the meaning of the Confederate flag needs to start in the schools with young children. Without knowing the true history and meaning of the Confederate flag the war over the flag may never stop. People cannot change history by removing a flag fromRead MoreWhat Is The Stance On Ethnic Issues In Education?749 Words   |  3 Pageson ethnic issues with the introduction of Arizona House Bill (HB) 2021. Proponents of the bill believe that it is necessary to maintain ethnic equality in our cl assrooms. However, House bill HB 2120, which would prohibit ethnic-focused studies, should not be passed because it would restrict our history, it is unconstitutional, and it would be harmful to our schools and students. Passage of this bill would do more harm than good in our local community. In 1998, courses in Mexican-American studies (MAS)Read MoreHistorical Racial Issues of Broadcast Television699 Words   |  3 Pagesto issues of race over the years. Especially around the time of the Civil Rights Movement, broadcast networks began to face public backlash over the representation of African Americans on television or the lack thereof. In the early 1960s, the NBC affiliate station WLBT in Jackson Mississippi refused to show The Nat King Cole Show or civil rights coverage (Hilmes, 269). Many people were upset by this because it was yet another way for the South to discount the citizenship of African Americans. The

Physical Restraint Use On Elderly Essay - 851 Words

Physical Restraint Use on Elderly in Long-Term Care Facilities A. Introduction a. Attention Getter: i. â€Å"My interest is in the welfare of the community. I ease the way of the cripple. I am compassionate of the aged. My exultation is in the strength of mankind. I teach. I lead. I serve.† In 1920 the American Red Cross printed their creed in newspapers around the country. b. Introduce Topic: In 1987 President Ronald Reagan passed the Federal Nursing Home Reform Act. This Act, also known as the Omnibus Budget Reconciliation Act (OBRA), brought reform and a set of standards of care for people living in certified nursing facilities. (Hollis) Included in these set of standards, is the â€Å"Resident’s Bill of Rights†, which states that residents of nursing facilities have â€Å"The right to be free from †¦ any physical or chemical restraints imposed for purposes of discipline or convenience and not required to treat the resident’s medical symptoms†. (U.S. Code Title 42 Chapter 7) i. Despite these â€Å"rights† nurses in the United States and around the world still use restraints stating the main reason is for patient safety. ii. Falls are the leading cause of emergency room visits and unintentional death in Americans 65+ years old. (Centers For Disease Control Prevention) iii. c. Background Information: A physical restraint can be defined as â€Å"any manual method or physical/mechanical device, material, or equipment attached or adjacent to the resident’s body that the individual cannotShow MoreRelatedDifferences in the Use of Physical Restraint for the Elderly and the Risk Factors of Falls1935 Words   |  8 PagesFalls and physical restraint use are a common practice in the care of the elderly and many efforts have been made to decrease this practice. Falls and injuries associated with restraint usage are a major issue because of their adverse outcome on mortality and morbidity. Prevention of falls and injuries is the most common reason fo r mechanically or physically restraining the elderly in healthcare facilities (Arbesman Wright, 1999). Its use has, conversely, been examined both from an ethical perspectiveRead MorePhysical Restraints And Nursing Homes : Clinical Ethical Considerations By Chris Gastmans And K Milisen1096 Words   |  5 Pagespurpose of this essay is â€Å"Use of physical restraints in nursing homes: clinical-ethical considerations† by Chris Gastmans and K Milisen. The ethical dimension of care is an essential part of good nursing practice, and ethical reflection is necessary for nurses to come to thoughtful and balanced decisions. Critical reflection on what constitutes good care is required in everyday care, but even more so in ethically charged situations such as those requiring physical restraint (Goethals, Casterle GastmansRead MoreFreedom Vs. Control Essay896 Words   |  4 Pagescareers. 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They may not be able to care for themselves, but they have paid their dues, and took care of us now its our turn to take care of them. We were born into this world defenselessRead MoreRestraints Review Of Qualitative And Quantitative Studies1517 Words   |  7 PagesRestraints Review of Qualitative and Quantitative studies The purpose of this paper is to critique the research article, Mohler Meyer’s â€Å"Attitude of nurses towards the use of restraints in geriatric care: A systemic review of qualitative and quantitative study 2014. The incident I am going to discuss in this paper is of Mr. P., an 85-year-old man, admitted to this facility about 4 months ago. His history includes coronary heart disease, cataract, dementia, hypertension, macular degeneration andRead MoreIs Abuse A Nursing Homes? What Are The Warning Signs?951 Words   |  4 Pages What is abuse in nursing homes? What are the warning signs? How did abuse in nursing homes start? 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Chem 1301 Free Essays

Syallubus for CHEM 1301 General Chemistry I Fall 2011 SCIE 2. 106, M,W: 2:35-3:50 Instructor Name: Dr. J. We will write a custom essay sample on Chem 1301 or any similar topic only for you Order Now G. Parsons Email: parsonsjg@utpa. edu Office: Science room number: 3. 348 Phone: Office : 381-7462 Office Hours: M/W: 1:30-2:30 or by appointment CRN: 12626 REQUIRED MATERIALS: Text Book: Chemistry by Julia Burdge (ISBN 978-0-07-302554-4) Scientific calculator (ARIS software package Required) RECOMMENDED MATERIALS: Burdge study guide Blackboard web course and a UTPA email address. CREDIT: Lecture credit: 3 hours. laboratory is a separate one hour course ,1101 series). PREREQUISITES: One year of high school chemistry. College level algebra recommended. Grading: Grading will be based on a 100 point scale 90 – 100 points = A 80 – 89 = B 70 -79 = C 60 – 69 = D Below 60 = F Breakdown of points is as follows: 65% 4 unit exams (lowest is dropped) 10% Homework/Quiz grade 20% final exam. EXPECTIONS and OUTCOMES: 1. To understand and apply methods and appropriate technology to the study of natural sciences. 2. To recognize scientific and quantitative methods and the differences between these approches and other methods of inquiry and to communicate findings, analyses and interpretation both orally and in writing. 3. To identify and recognize the differences among competing scientific theories. 1 4. To demonstrate knowlegdge of the major issues and problems facing modern science, including issuses that touch upon ethics, values, and public policies. 5. To demonstrate knowledge of the interdependence of science and technology and their influence on, and contribution to, modern culture. CLASSROOM POLICIES: Only chemistry questions will be addressed in class. All other questions about the course or grading will be addressed individually during office hours. A schedule showing due dates for assignments and exams will be available on Blackboard. Attendence: Attendance may be taken periodically. Professors will have the option of dropping a student after three unexplained absences. Students arriving late to class should notify me that they are present. Class roles are periodically taken and attendence from groups work is also noted. Make-up exams will not be given. The lowest exam score will be dropped and in cases where students miss an exam for any reason, that exam will be the one dropped. Missing two exams usually results in a F for the course. Cheating: Students will be dropped from this course for cheating. Cheating consists of submitting someone else’s work under your name, obtaining information from someone other than the instructor during an exam. Cellular Phones: Cellular phones and/or beepers should be turned off or set to vibrate during the class period. ============================================================== Disability: If you have a documented disability which will make it difficult for you to carry out the work as outlined and/or if you need special accommodations or assistance due to the disability, please contact the Office of Services for Persons with Disabilities (OSPD), at Emilia Ramirez-Schunior Hall, Rm. 1. 101 immediately, or the Associate Director at Maureen@utpa. edu,; 956/ 316-7005. Appropriate arrangements/ accommodations can be made. =============================================================== TENTETATIVE SCHEDULE: Weeks 1-4: Unit I Stoichiometry: Ratios of Combination: Reactions in Aqueous Solutions: First Exam Monday, Sept. 19th, 2010 Weeks 5-8: Unit II Gases: Thermochemistry Second Exam CHAPTER 3 CHAPTER 4 CHAPTER 11 CHAPTER 5 Monday Oct. 17th, 2001 Weeks 9-12 Unit III Quantum Theory and the Electronic Structure of Atom Electronic Configuration and the Perodic Table Third Exam Monday Nov 16th, 2010 Weeks 13-15 Unit IV Chemical Bonding I Basic Concepts Chemical Bonding II, Molecular Geometry and Bonding Theories Organic Chemistry: Fourth Exam Dec. th, 2010 Important Dates: Sept. 5th 2009 Sept 14th 2009 Sept 27th 2009 Nov. 14th, 2009 Nov 24th, 25th, 2009 Nov 27th, 2009 Dec 8th-9th CHAPTER 6 CHAPTER 7 CHAPTER 8 CHAPTER 9 CHAPTER 10 Labor Day (University Closed) Census day Last day to Change Courses Last day to drop Thanksgiving (University Closed ) Classes Resume Study Days no classes Final Exam: Dec 10th -16th, 2011 Final Exams Week (Final Exam Monday Dec 12th, 2011, 1:15-3:00) This calendar is tentative and subject to slight Variation. Course Evaluation: Simply log in to UTPA Assist self service using your UTPA username password. Click on Student Services then click Student Records click on Student Evaluations link then click on Evaluation link next to the course you wish to evaluate then click Submit. To see a tutorial, follow this link: http://cdl. utpa. edu/tutorials/surveydig/ 3 The chart below shows information that is required and optional topics that will be covered timepermitting in CHEM 1301. Sequence Chap 1-2 Required Parsons – CHEM 1301 Have Powerpoint presentations for Chaps 12, hand-out materials, pre-test and pretest answers available on Blackboard. Optional Parsons – CHEM 1301 Homework Set I (with answers) provided through Blackboard. Two optional review sessions (I on Dimensional Analysis and II on Nomenclature) scheduled on the Course Calendar (also available on Blackboard) Requirements for a chemical reaction to be balanced; charge balance and mass balance. Chap 3 The Mole Concept and Mole Mass/Stoichiometry Calculations, Balancing Chemical Equations, % Composition and Determining Simple/Emperical Formulas Oxidation –Reduction Reactions; Precipitation Reactions; Acid-Base Reactions Molarity and Dilutions Problems, Solution Stoichiometry Problems, Balancing Oxidation-Reduction Reactions. Concepts of Pressure, Volume, and Absolute Temperature; The Gas Laws; The Ideal Gas Equation; Molecular Speed; Real Gases and the van de Waals Equation, Gas-Stoichiometry Problems; the Kinetic Molecular Theory; Dalton’s Law of Partial Pressures and Raoult’s Law Introduction to Thermodynamics, Pressure-Volume Work and Heat, Internal Energy, Enthalpy; Calorimetry, Hess’s Law, Heats of Formation and State Functions Quantum Theory, Quantum Numbers, Electron Configuration, Orbital Diagrams, Sets of Quantum Numbers, The Line Spectrum of Hydrogen; Chap 4 Chapt 11 Use of the Solubility Rules to write precipitation reactions and net-ionic reactions. Use of the Activity Series to write reactions showing displacement of hydrogen by active metals. Meaning of terms electrolyte, strong electrolye, weak electrolyte and non-electrolyte. Properties of Gases, Reactions with Gaseous Reactants and Products, Degrees of Freedom for particles in the free state, the liquid state and the solid state; a comparison of gases, liquids and solids as to compressibility, density, and particles freedom of motion Units of Energy, Enthalpy, Standard Enthalpies of Formation, Constant Pressure processes vs. Constant Volume Processes Chap 5 Chap 6 Properties of Waves, The de Broglie Hypothesis; The Uncertainty Principle, Atomic Orbitals, Electron Configurations and the Periodic Table; the Schrodinger Equation Chap 7 Periodic Trends in Properties of Elements; Ions of Main Group Elements, Ionization energy, electron affinity, Atomic Radius Lewis Dot Symbols, Electronegativity and Polarity; Drawing Lewis Structures; Formal Charge Molecular Geometry-VSEPR, Valence Bond Theory, The Modern Periodic Table; Effective Nuclear Charge, Nuclear Shielding, Ionic Radius; Isoelectronic series, metallic character Ionic Bonding; Covalent Bonding, Exceptions to the Octet Rule; Bond Enthalpy, Resonance Molecular Geometry and Polarity, Hybridization of Atomic Orbitals, Molecular Orbital Theory Hybridization in Molecules Containing Multiple Bonds Molecules, Organic Reactions; Organic Polymers, Isomerism Chap 8 Chap 9 Chap 10 Why Carbon is Different, Representing Organic Molecules, Classes of Organic Compounds, Basic Organic Nomenclature 4 How to cite Chem 1301, Essay examples

Legacy free essay sample

Boyz II Men are exceptional, and I was so engrossed in their music that I purchased â€Å"Legacy: The Greatest Hits Collection.† Although many of the songs have been around for a while, they still capture my mind the same as when they were first released. The CD begins with â€Å"Motownphilly,† which feels out of place as the opener. Any other song would have been better, but it’s followed by the a cappella â€Å"It’s So Hard To Say Good-bye To Yesterday† and â€Å"In The Still Of The Night.† Then come many powerful ballads about love and heartbreak, like â€Å"End Of The Road† and â€Å"Water Runs Dry.† â€Å"One Sweet Day† features Mariah Carey in a very touching song about reuniting with a lost loved one. This song will make anyone who has gone through a loss cry with its dynamic lyrics. The members of Boyz II Men know how their voices best accentuate each other and use this knowledge to develop some of the best songs of our times. We will write a custom essay sample on Legacy or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This collection is very compelling and can touch your heart but I recommend this album to everyone, not just romantics.

Errors in Reasoning Fallacies

Errors in Reasoning Fallacies Fallacies are errors in reasoning better known to as misconceptions that arise as a result of incorrect reasoning particularly during argumentation (Rottenberg, 2004, p. 13). Consequently, fallacies arising by accident or design can influence certain emotional triggers in persons listening to such statements or they can also exploit the social interactions between the listeners. Furthermore, fallacies are statements used by people in order to avoid, confuse, or oversimplify certain issues, and finally, to deceive others. Advertising We will write a custom essay sample on Errors in Reasoning: Fallacies specifically for you for only $16.05 $11/page Learn More Accordingly, fallacious arguments are constructed in such a way that the use of rhetorical arguments obscures the sound arguments, and thus making them difficult to detect (Rottenberg, 2004). In this essay, we will take an extensive look at the use of fallacies in argumentation. Here, the essay utilizes e xamples in real life to describe those fallacies that are used commonly and those that seem difficult to diagnose. The Bandwagon Appeal is one of the most common fallacies, propagandas, or smokescreens used in several occasions. This fallacy is employed by most politicians to lure the masses into voting in their favor. For instance, â€Å"Barrack Obama-The Change that We Desire† forms a good example of the bandwagon appeal. Furthermore, most TV ads present large numbers of people using a particular brand or product in order to influence the attitudes and actions of consumers. Here, the bandwagon appeal implies that if you cannot join the masses, then you are bound to be left in the dark (Rottenberg, 2004). Another common fallacy involves changing the subject or the red herring fallacy. This fallacy entails instances where people use irrelevant information to justify the meaning of unsound statements or arguments. For example, one can say that, â€Å"There is the paramount n eed to increase our funding in education. And just because our neighbors are pumping a lot of money into buying military equipment, does not imply that we should also do the same. This is because the future of our country depends on the youth of the present day.† Commonly, this fallacy is used by most mystery writers in order to conceal the truth from their readers (Rottenberg, 2004). Further, fallacies occur during instances whereby one uses part of the argument in order to support the rest of the argument. This form of error in reasoning is known as circular reasoning. For instance, â€Å"Mr. Dominic is an excellent writer because he writes excellently.† Here, it is worth noting that the statement takes the reader in circles by using the same reason as the conclusion (Rottenberg, 2004). Advertising Looking for essay on philosophy? Let's see if we can help you! Get your first paper with 15% OFF Learn More Moreover, some fallacies occur when one makes an assumption that if two items are similar in one way, then they should be similar in other ways. This fallacy is known as false comparison. For instance, â€Å"Shoes and slippers are worn on the feet. Shoes can protect one from catching a cold more efficiently, and so are the slippers.† Conversely, errors in reasoning that are more difficult to diagnose include fallacies such as conventional wisdom, which entails the use of facts known to everybody to construct arguments. For example, â€Å"A pen is mightier than a gun, therefore, if you are involved in any fight; just grab a pen to your defense.† Moreover, the use of facts and opinions to construct the same argument leads to a fallacy known as opinion-fact, which is very difficult to detect (Rottenberg, 2004). For example, one can say that, â€Å"President Obama came into power during the global economic crisis. He must have helped the United States to get out of the crisis before any country could think of the same.† Overall, charging from the discussions above, it is useful to take note of fallacies in argumentation because as mentioned earlier fallacies are errors in reasoning, which are used to confuse, oversimplify, or avoid certain issues, and thus fallacies can form the basis of deceptions. As a result, the knowledge of fallacies helps people to maintain constant and strict checks against statements of deception, which can conceal the truth and lead one into believing false arguments, beliefs, or even making purchases on the basis of false premises presented in advertisements. Reference Rottenberg, A.T. (2004). Elements of argument (4th ed.). New York: St.Martin’s Press.

Character Analysis of Cassio and Roderigo from Othello

Character Analysis of Cassio and Roderigo from 'Othello' Othello is one of William Shakespeares most acclaimed tragedies. The story of a Moorish general (Othello) and the soldier (Iago) who plots to usurp him, the play features a small cast of characters who are manipulated and pitted against each other as part of Iagos deceitful plan. Two of the key characters are Cassio, Othellos loyal captain, and Roderigo, a man who is love with Othellos wife, Desdemona. Over the course of the play, both are lured into the complex love plot engineered by Iago, one of Shakespeares  best-written villains. Cassio Cassio is described as Othellos honourable lieutenant, and he is given this rank over Iago. The appointment, undeserved in Iago’s eyes, justifies the villain’s cruel revenge against him: One Michael Cassio, a Florentine†¦ / That never set a squadron in the field / Nor the division of a battle knows.(Iago, Act I Scene 1) We know that Cassio is of good standing due to Desdemona’s passionate defense of him. However, Othello is easily turned against him by Iago. In Act II, Cassio foolishly allows himself to be encouraged to go for a drink when he has already acknowledged it to be the wrong thing to do. â€Å"Come lieutenant. I have a stoup of wine, Iago says (Act II Scene 3). I’ll do’t but it dislikes me, Cassio replies. Once the captain becomes drunk, he is drawn into a brawl and attacks Montano, a former Cypriot official, badly wounding him. The attack is an embarrassment to Othello, who is forced to act quickly to appease the Cypriot officials. The Moorish general sacks Cassio on the spot: Cassio I love thee, but never more be officer of mine.(Othello, Act II Scene 3) Othello is justified in this, as one of his men has injured an ally; nevertheless, the scene demonstrates Othello’s impulsivity and his righteousness. In his desperation, Cassio falls into Iago’s trap once more as he implores Desdemona to help him win his job back. His office is the most important thing to him, so much so that he neglects his relationship with Bianca while he is trying to get it back. At the end of the play, Cassio is injured but redeemed. His name is cleared by Emilia and as Othello is stripped of his duties, we are told that Cassio now rules in Cyprus. As the new leader, he is given the responsibility of dealing with Othellos fate: To you Lord Governor, / Remains the censure of this hellish villain. / The time, the place, the torture O enforce it!(Lodovico, Act V Scene 2) As a result, the audience is left to ponder whether Cassio will be cruel to Othello or forgiving. Roderigo Roderigo is Iago’s dupe, his fool. In love with Desdemona and prepared to do anything to get her, Roderigo is easily manipulated by the evil Iago. Roderigo does not feel any loyalty towards  Othello, who he believes has stolen his love from him. It is Roderigo, under the guidance of Iago, who goads Cassio into the fight that gets him dismissed from the army. Roderigo escapes from the scene undetected. Iago tricks him into giving him money to convince Desdemona to be with him and then encourages him to kill Cassio. In Act IV, Roderigo finally gets wise to Iagos manipulation of him, declaring that Everyday thou daff’st me with some device (Act IV Scene II). Nevertheless, he is again convinced by the villain to follow through with the plan to kill Cassio, despite his misgiving. I have no great devotion to the deed, Roderigo says. And yet he hath given me satisfying reasons. / Tis but a man gone. Forth, my sword: he dies (Act V Scene 1). In the end, Roderigo is stabbed his only friend, Iago,  who does not want him to reveal his secret plot. However, Roderigo finally outsmarts him by quickly writing a letter which he places in his pocket, pointing to Iago’s involvement in the plot and his guilt. Although he ultimately dies, he is in some part redeemed by his letters: Now here’s another discontented paper / Found in his pocket too. And this it seems / Roderigo meant to have sent this damned villain, / But that, belike, Iago in the interim / Came in and satisfied him. (Lodovico, Act V Scene 2)