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title: 'The Day book. (Chicago, Ill.) 1911-1917, December 02, 1913, Image 29',
meta: 'News about Chronicling America - RSS Feed',
Image provided by: University of Illinois at Urbana-Champaign Library, Urbana, IL
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ANOTHER CASE THAT SHOWS UP THE '
WORKINGS OF THE INSTALMENT HOUSES
Herbert L. Joseph. & Co., who ad
vertised in Sunday's Examiner that
everything is "guaranteed as repre
sented, or money refunded," is not
the only instalment house which
deals so largely in wage assignments
that it has printed forms ready for
Louis. Weber & Co., Clark and. Van
Buren streets, dealers in furniture,
confided to a palpitating public Sun
day in the Chicago Tribune that they
could allow no furniture house to
But the Tribune did not publish a
story of the case of William J. Nuen-
ke, who had some unpleasant deal
ings with the Weber Co.
It DID publish last week a story of
two men who had won court cases
against Herbert L.' Joseph & Co.
Joseph did not advertise in the Trib
The sweeping claim is not made
that in. every case where orie of these
instalment houses files a wage claim
that it is mulcting its customers. In
some cases purchasers seek to take
advantage of the stores. No defense
is made of them.
But the stores DO make attempts
to hound some customers. They DO
oppress certain purchasers. And each
of these stories shows an apparent
They DO show that the stores oft
en take' an advantage when they
think they can g6t away with it.
William J. Nuenke, who lives at
31LE. 60th street, with his wife and
lO-montha'-old baby, Is a bookkeep
er with the A. K. Pound Packing Co.,
at a salary of $21 a week.
One year ago he went to Louis
Weber & Co,, which has a North and
South Side branch,, and' bought fur
niture valued at $188, At the time
of this purchase Nuenke also had a
merchandise account at Weber's. The
store held a, chattel mortgage on the
furniture he bought.
Shortly after Nuenke bought the
furniture the baby came. His. wife
was sick, doctors' bills pil6d up and
Nuenke fell behind in his payments.
The payments he did make, he
says, were credited on the merchan
dise account, and not on the chattel
mortgage, as he intended. Nuenke
was credited with $36 on Weber's
books, but the money was not ap
plied on the chattel mortgage.
In October the Weber Co. sent a
wagon to Nuenke's house and took
back the furniture, with the excep
tion of some curtains, a set of dishes
and a gas lamp.
The property taken back was val
ued at $152.9$, which together with
the $36 Nuenke paid, would amount
to $188.98. That would make it ap
pear that Nuenke was clear on the
But Weber & Co. still claim a bal
ance of $33.25 due them, which
would' total $222.33 oil an original
debt of $188.
Nuenke refused to pay the money.
Weber & Co. filed a wage assign
ment against Nuenke with the Pound
Packing Co. Nuenke had signed it,
but said he did not know what the
paper was when he did so.
Pound & Co. disregarded the wage
assignment. No amount was speci
fied In the claim filed by Weber. It
was simply .stated that Nuenke was
in their debt. For that reason Nuen
ke's employers claimed they did not
have to respect the assignment
Aso, at the time of signing the
assignment, Nuenke was not work
ing for the Pound Co.
At first glance it might be thought
that the Weber Co. was perfpffly
justlfied in filing the wage claim
But that wage claim would have
to be filed on the chattel mortgage
againstt he furniture. Nuenke sign-
ed the paper at that purchase. . '
And if he intended to pay $36 an