I appreciated your invitation to attend the public hearing you held
on February 12 in Atlanta concerning the impact of Federal regulations
and administrative actions on individuals, businesses, and others.

While I was unable to attend, I followed the progress of your hearings
in the news media -- newspapers and T-V. I want to convey to you my
personal appreciation (as well as that of good many folks in the
Athens-Northeast Georgia area) for your efforts in trying to begin
the Herculean task of slowing down the cancerous growth of big
government with its attendant regulations and red tape.

Many of us down here are very concerned and if you need any backing
in the area of limiting governmental red tape, you'll find a host
of people in these parts that will be 100% behind you. Our feeling
is that the mood of the country has turned from a passive "I can't
do anything about it"attitude to an active, aggressive posture.
It's good to know that we have a few good legislators at the
national level like you and Elliott Levitas who share this concern
and want to do something about it.

-

If there's any way I can help, please call on me and I'm sure
I can find a few others who'll pitch in with me to assist in any
way to attack what many of us have come to view as one of the
monumental national problems that cries for a reasonably prompt
solution or at least a reversal of 180° from the current trend.

-

Again, Godspeed in your efforts!

KKS/nl

CC: Rep. Elliott Levitas

Sincerely,

K. K. Schubring
Personnel Manager

GENERAL TIME CORPORATION • ATHENS PLANT. ATHENS, GEORGIA 30001

PHONE: 543-4383 TWX: 810-754-3906

Thanks so much for remembering to advise me concerning hearings held in Atlanta, Feb. 12th, by a U.S.Senate subcommittee on the impact of federal regulations -- on small, as well as large, businesses.

Although retired, I'm still most concerned in regard to the small business man's problem with all these, (many of which are non-sense) federal regualtions. To support my concern, I am enclosing a printed leaflett which I received from Farmers Mutual Exchange having to do with ERRORS. This is so damn non-sense to place Such a burdon on businesses to this extent - and does not make a "continental" to the recipient. We could always correct errors with our custimers, without the help of this darn Govt.

-

Sam, there are just so many regulations, such as this, which are not needed and certainly NOT WANTED - except for "leeches" on our payrolls. If the such could be eliminated, this would certainly help much in balancing the Tea. Budget.

And, something I have been thinking about which I think would help unemployment; that is, change the wagehour to permit employment of unexperienced workers at a less hourly rate that the minimum. I can recall,prior to retirement, I could have worked unexperienced workers at a less rate than minimum, but without experience, they could not carry their part, thus unfair to more experienced, and brought on labor trouble. Give this some thought, it might be the answer to some unemployment.

Most sincerely,

C.'.Peek, Jr.

CWP:

FARMERS MUTUAL EXCHANGE

IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR BILL

The Federal Truth in Lending Act requires prompt correction of billing mistakes.

1.

2.

If you want to preserve your rights under the Act, `here's what to do if you think your bill is wrong or if you need more information about an item on your bill:

3. Do not write on the bill. On a separate sheet of paper write (you may telephone your inquiry but doing so will not preserve your rights under this law) the following:

i.

ii.

iii.

iv.

b.

Your name and account number.

A description of the error and an explanation (to
the extent you can explain) why you believe it is
an error. If you only need more information,
explain the item you are not sure about and, if you
wish, ask for evidence of the charge such as a copy
of the charge slip. Do not send in your copy of a
sales slip or other document unless you have a
duplicate copy for your records.

The dollar amount of the suspected error.

Any other information (such as your address) which you think will help the Company identify you or the reason for your complaint or inquiry.

Send your billing error notice to the address on your bill which is listed after the words: "Please report

any discrepancies directly to:" Mail it as soon as you can, but in any case, early enough to reach the Company within 60 days after the bill was mailed to you.

The Company must acknowledge all letters pointing out possible errors within 30 days of receipt, unless the Company is able to correct your bill during that 30 days. Within 90 days after receiving your letter, the Company must either correct the error or explain why the Company believes the bill was correct. Once the Company has explained the bill, the Company has no further obligation

3.

4.

5.

6.

to you even though you still believe that there is an
error, except as provided in paragraph 5 below.

After the Company has been notified, neither the Company nor an attorney nor a collection agency may send you collection letters or take other collection action with respect to the acount in dispute; but periodic statements may be sent to you, and the disputed amount can be applied against your credit limit. You cannot be threatened with damage to your credit rating or sued for the amount in question, nor can the disputed aLount be reported to a credit bureau or to other creditors as delinquent until the Company has answered your inquiry. However, you remain. obligated to pay the parts of your bill not in dispute.

If it is determined that the Company has made a mistake
on your bill, you will not have to pay any finance
charges on any disputed amount. If it turns out that the
Company has not made an error, you may have to pay
finance charges on the amount in dispute, and you will
have to make up any missed minimum or required payments
on the disputed amount. Unless you have agreed that your
bill was correct, the Company must send you a written
notification of what you owe; and if it is determined
that the Company did make a mistake in billing the
disputed amount, you must be given the time to pay which
you normally are given to pay undisputed amounts before
any more finance charges or late payment charges on the
disputed amount can be charged to you.

If the Company's explanation does not satisfy you and
you notify the Company in writing within 10 days after
you receive their explanation that you still refuse to
pay the disputed amount, the Company may report you to
credit bureaus and other creditors and may pursue regular
collection procedures. But the Company must also report
that you think you do not owe the money, and the Company
must let you know to whom such reports were made. Once
the matter has been settled between you and the Company,
the Company must notify those to whom the Company re-
ported you as delinquent of the subsequent resolution.

If the Company does not follow these rules, the Company is not allowed to collect the first $50 of the disputed amount and finance charges, even if the bill turns out to be correct.

DFS

Phone 377-0011

DECATUR FEDERAL SAVINGS Main Office: Decatur Federal Square / 250 East Ponce de Leon Avenue / Decatur, Georgia 30030

I am sorry that I was unable to attend the hearings of the Subcommittee
on Oversight Procedures held on February 12 in Atlanta, but I did not
get your letter until after the hearing.

However, I do appreciate the opportunity to submit my views on this
subject, a brief statement of which is herewith enclosed.

Sincerely yours,

Julius A. McCurdy

sg