and doing well in ny so far

Strong, Chapter 1: First Impressions

Welcome! :)

I’m so happy to be here, writing another multi chapter fic for you lovely people.

So, without further ado:

This is completely AU. No Jason murder, no events of S1. Jughead is a born and raised South-Sider, he knows no such thing as an Archie, Veronica or Betty. (Not for long!) He does know fellow South-Sider, Cheryl though ;)

God, I’m so excited to write these characters. I really wanted to write JB, and Gladys also. You may have some questions after the first chapter, but hold on, they shall be answered.

*DISCLAIMER* I know absolutely nothing of the American school system, so please just take it with a grain of salt as it is more than likely not accurate. I’m not American, hence ‘Mum’. Although I’ve read so many fics with 'Mom’ I almost slipped up a couple times! Ha.

Also edited myself so sorry for any mistakes!!

Also posting this from mobile so sorry for the no read more break, and anything else that could potentially go wrong with this shitty app.

Aaaaand I think that’s all! Enjoy, buggies. ❤️

Read on AO3!; http://archiveofourown.org/works/11748321/chapters/26476650

<b>Summary:<\b><i>Betty Cooper swore she only signed up to tutor a young girl from South Side High, and definitely not for what followed.

And Jughead Jones didn’t sign up for anything.

**

It was sunny out.

And Betty thought the temperature was high enough to warrant the black denim high waisted shorts she had changed into, paired with a simple white tank top she tucked in. As she turned herself in front of her bedroom mirror, she spared a thought to how her Mother would disapprove. <i>'Far too much skin, Elizabeth.’ </i>A smirk grew on her face. Well, she wasn’t home from work in time to scorn her choice of clothing today. And in a last minute act of rebellion Betty didn’t even grab a cardigan as she popped her feet into a pair of converse, tightened her ponytail, and left the house. 

Her phone started to buzz in her back pocket. She reached for it as she continued her journey to Pops. It was nearly August and the warmer weather was coming to an end. Which meant that Summer Break was also, and Betty had put her name forward for a “Big Sister” volunteer programme at a school on the other side of town, Southside High. She was hoping this is what the phone call was about. It was basically after school tutoring for any student who was put forward, Betty had done it last year with a different young girl and she was looking really looking forward to it again. Regardless of <i>'how good it looks on a college application’ </i>, in her Mothers words. 

Not that it mattered. Betty already had early acceptance to the Medill school of Journalism at Northwestern, starting in the Spring Semester. Chicago was far enough for Betty to gain some independence, but not far enough that she couldn’t visit often. 

“Hello, Elizabeth Cooper speaking.” She answered, always polite, always the full name if the number was unknown.

“Hi, Elizabeth? This is Gladys Jones. I’m ringing in regards to the Big Sister programme at South Side High. How are you?” The voice through the phone sounded maternal, and younger than Betty had expected. 

“This is she, but Betty is fine. I’m well, thank you Mrs Jones. I’m glad to be hearing from you.” And she was, it was genuine. Betty loved to offer a hand to any student who wanted to better themselves. 

“Well, Betty, I’m glad to be calling. I was shown a few profiles from some of the volunteers, and yours stood out to me the most. You seem to have a wide range of curricular, extra and otherwise.” Betty smiled on the other end of the phone, she did look awfully good on paper. “And I was hoping, if you haven’t already been snatched up of course, that you would buddy up with my daughter." 

"I would love too, Mrs Jones, thank you for considering me.” She smiled while checking the road to cross. 

“Of course.  Would you like to come over tomorrow and meet myself and JB? Say around 4pm? I will be home from work then" 

"Yes, definitely, I’ll see you both then. I look forward too it.” Betty replied. 

“As do I, Betty. I’ll send you through our address, and I’ll see you then. Thanks again." 

She couldn’t wipe the smile from her face after the phone call had ended, and it still resided there as she walked through the front door at Pops, the ding of the bell alerting her arrival to her best friends. 

"There she is, my own personal ray of sunshine. I took the liberty of ordering your usual for you.” Veronica nodded at the vanilla milkshake that was waiting for Betty as she slide into their usual booth opposite her and Archie. She smiled at Veronica in thanks. “And what, or who, has gotten into you to make you look so happy, huh?" 

"V, honestly.” She joked, rolling her eyes. “I actually just got off the phone with the Mother of a Southside High student about the Big Sister programme. She wants to meet me tomorrow.” She explained, taking a sip of her shake. 

“Oh that’s cool, Betty.” Archie chimed in, smiling across the booth at Betty. “I remember how much you enjoyed that last year." 

"Thanks, Arch.” She returned his smile and gave a thought back to other things he probably didn’t remember from last year. Or chose not too. Like her unrequited feelings of what she thought was love towards him, but turned out to just be a silly childish obsession gone on too long. As soon as she had seen Archie with Veronica, she was simply happy for the both of them. There was no jealousy, and Betty found relief in finally letting go of that Andrews fantasy. Besides, Veronica was such a permanent fixture in Bettys own day to day life now that she would not have it any other way. 

Even if that meant being the third wheel more often than not when there was no one else to act as a buffer. 

“Well, that’s less risque than I was hoping. But, you are the true star of Riverdale after all, Betty Cooper. What will this town do without you?” Veronica was only half joking. “What will I do without you!” She reached across the table to take Betty’s hand in her own and gave it a squeeze. 

“Chicago really isn’t that far from NY, V. We will see each other all the time, I promise.” Betty squeezed back in return. 

“Oh, I will make sure of it. Daddy’s jet will be getting so much use it won’t know what hit it.” Archie sniggered at how pretentious she had sounded, and Betty couldn’t help but join in. Veronica waved her hand in dismissal and rolled her eyes at her boyfriend. “Oh Archie, please, don’t act as though you haven’t been begging me to take you on your first flight." 

Now Betty was laughing in Archie’s direction, the look on his face one of a boyfriend who just got shut down by his own, entitled girlfriend. The sound of their laughing was cut off by the ding of the bell above the door again, Archie watching the group who just walked in over Betty’s shoulder. 

"Those Serpent wannabe kids do hang out here a lot lately.” His eyes were trained on the leather jackets of the group as they made their way to the back corner booth. “I wish they would fuck off, they give me the creeps.” Betty shot him a dirty look. 

“Jeez, Arch, louder for those in the back please.” But the curiously had gotten the better of Betty as she glanced quickly over her shoulder into the back corner of the diner. It was the same group as always, 3 boys and the red headed girl. One of the boys, Betty had noticed, never seemed to be without his grey beanie, detailed to look like a crown. It stood out against the harsh of his leather jacket, and she wondered how the two fit together. 

“They might be scum but those jackets make them super hot, right Betty?” Veronica asked, watching the group with hungry eyes. 

“They aren’t scum, V.” Was all Betty would reply, she refused to admit that there was something about the leather that did make them seem more attractive. Unattainably  so. The attitude that seemed to come with the jacket probably helped the cause. They looked miserable, all the time, Betty thought as she looked back toward her friends. Especially the one with the beanie. She wondered if it was part of the act. 

“Say, Archiekins, do you think if I got you a leather jacket like that, you would swap it out for you letterman? Just for a night or two, just for me?” Veronica made eyes at her boyfriend, the way she held the straw in her mouth more than enough to imply exactly what she meant. 

“Only if you wear one to match, and nothing else." He winked.

"Okay, guys, ew!” Betty pulled a face, covering her ears with her hands. This was the kind of thing that made her resent being a third wheel. She could handle watching them try and eat each other’s faces off, but sex talk? No thanks. She didn’t get paid enough for that. “There’s a minor present." 

Archie threw his arm around Veronica’s shoulder as they laughed, pulling her closer to him. "You’ll get there, Betty.” Archie joked. Betty just rolled her eyes at the both of them and quickly finished her milkshake. 

“Well, there won’t be any leather jackets, that’s for sure.” She shimmied her way down the bench to exit the booth. “And on that note, I’m going home. I need to get some more reading done in advance for school, seeing as I’ll have just less time when the new term starts up with this tutoring." 

"B, you just got here! You bore.” Veronica sighed, her mouth shaped in an exaggerated pout. To anyone else it would seem condescending, but not to Betty. She knew Veronica well enough to know she always meant well.

“Bye guys, I’ll text you later, V.” She climbed from the booth and walked backward toward the door, waving at her friends. Just as she turned back she walked into something hard. And leather. It was the chest of one of the serpent group, one of the beanie less boys. “Shit, sorry. I wasn’t watching where I was going.” She offered the boy a forgiving smile. He wasn’t much taller than Betty, his jet black hair quiffed back from his face. 

“That’s okay, darlin’.” He looked her up and down, his tongue darting out to wet his lips. “I’ll watch for you instead." 

"Oh Joaquin, please.” The red head rolled her eyes, but was watching Betty with a look she couldn’t quite grasp. Her lips were blood red, matching her hair, and her arms were crossed right across her chest. And even though she was shorter than Betty, the look she was giving made her feel small. “We all know she’s not your type." 

Betty faked a laugh, but she could feel the colour creeping into her cheeks. And she figured you could see it, at least the rest of the group who were stood behind this guy definitely could. She gave him another smile before getting out of there as fast as she could without running. She could feel all their eyes burning into the back of her head. 


**


It was 3.30 the next afternoon, and Betty was yet again stood in front of her bedroom mirror. But this time she was dressed just how her mother approves. Dark blue jeans, and a pastel pink sweater with a white collar. 

"Elizabeth, downstairs quickly! You don’t want to be late. Punctuation is key!” Betty rolled her eyes at her Mother, but did as she was told. With one more tight tug of her pony, she slipped her feet into a pair of black ballet flats and hurried down the stairs. Alice Cooper, her overbearing, ever concerned, painfully punctual Mother was already waiting for her at the front door. She was tapping her foot, and giving Betty a look that she was all too familiar with. 

“Sorry, Mum.” she murmured as she slipped past her out the front door, avoiding her gaze. As she walked to the car, she could hear her Mother muttering as she followed. 

“It’s not just you that would look bad, Elizabeth. It would also fall back on us, your parents.” Her tone was condescending, and Betty was all too familiar with the words that fell from her Mothers tongue. “Would you want to disappoint us like that? Like your sister?” Betty could feel her fingers curling into her palm, her nails itching to break skin. She shook it off, stretching her fingers before opening the door and climbing into the car. 

“Mum, it only takes 15 minutes to drive to South Side. We have plenty of time.” Betty crossed her arms over her chest, purposely looking straight ahead to stare at the garage door. Alice sighed as she sat in the drivers seat, angling her body to face Betty and tilting her head in concern. 

“Are you taking your medication, Elizabeth?” There was that tone again, always with that tone. If she actually paid any attention at all to her daughter, she may have noticed that Betty hadn’t been taking any of her medication in weeks. Months, for that matter. Betty would hold the pills under her tongue until she had opportune moment to spit them out again.  With everything that had happened with Polly, both of her parents had been rather distant lately. But that didn’t mean Betty wasn’t still nagged at every minute they were around. She continued to ignore  Alice, averting her eyes to stare out at the front garden through the car window. “Answer me, Elizabeth.”  

“Yes, Mother.” Betty finally answered through gritted teeth. “Twice a day every day.” She heard her Mum sigh beside her. 

“We just want the best for you, sweetie. We want you to be your best.” She was being genuine, but that didn’t make it any easier for Betty to swallow. It was never about what she wanted. It was just about how good she could make her parents look. Alice reached out her hand to rest on the side of Betty’s arm, an attempt at being sincere. Betty turned to her Mother, a fake smile plastered on her mouth. 

“Thanks, Mum. But we need to leave.” She nodded to the clock on the dashboard that now showed the time as 3.35pm. “Punctuation is key!” She mocked. Now it was Alice’s turn to roll her eyes as she turned in her seat and started the engine. They were backed out of the drive and on their way before Alice spoke again. 

“Look, Betty. I know sometimes we are hard on you. But, but after Polly, can you blame us?” <i>Can you blame her?</i> Betty thought. No wonder she threw it all in and ran half way across the world. Polly had needed her freedom, she wanted to make her own life decisions, and Betty was starting to understand that more every day. “We gave your sister everything. She had every option she could have wanted, and yet she threw it all back on our faces.” Alice’s voice had started to falter, and Betty knew talking about Polly made her upset. 

“Mum, I’m not Polly.  Please don’t get upset.” She glanced in her Mothers direction. “I’m just nervous, okay?” Which wasn’t a complete lie. She needed to make a good impression today, although that wasn’t an entirely new concept. She had been taught that first impressions were everything. Alice looked at Betty in her peripheral and offered a light smile that didn’t touch her eyes. 

“You’ll do great, Betty. You always do. Just remember, chin up. Don’t slack.” Betty unfolded her arms in favour of wringing her hands together. They had driven over the rail bridge that separated the North and South sides of Riverdale, which meant they would be arriving to the Jones’ shortly. Betty could feel her hands slick with sweat, but she tried to push away her anxious thoughts. She had done this before, and as long as the girl wasn’t a complete nightmare she knew she could handle it. Betty thrived off of helping others. 

“It’s this next left, Mum.” Betty directed Alice down the right street, eyes squinting to read the numbers on the letterboxes. “It’s number 44 so it’s on my side.”  The neighbourhood was nice, it looked as though the street could blend in just fine on the other side of the tracks. 

“These houses are much tidier than where I dropped you last year. Thank god." Alice Cooper, the queen of laying judgment. She pulled into the driveway once they had reached the right house. Alice turned to Betty in her seat once again, reaching out her hand to dust off Betty’s shoulder. "Now, do well. And call me when you need me or your Father to pick you up.”

“I could get the bus, Mum. It’s just down the road an -”

“God, no. I don’t want you walking around here on your own. If anything comes up, I’ll ask Archie to get you.” Alice smiled a small smile at her daughter. 

“Okay, thanks Mum. I’ll call you later.” Betty offered a smile in return , opened the car door and climbed out. She knew her Mother would wait until she was in the front door before she left, so Betty took in the house quickly as she walked to the door. It was lovely, and looked well kept. There was a red Mazda CX3 in the drive, which was a sight in itself. Obviously this family had money. Betty took a deep breath before raising her fist and knocking on the door. 

The woman who answered the door was younger than Betty was expecting, yet again. Or maybe she just looked that way. Gladys Jones was of a similar height to Betty, her black hair fell just below her shoulders. Her blue eyes were striking. 

“Betty? Hi, please, come in.” Gladys pulled the door open wide, holding her arm out to welcome her in. Betty stepped foot through the front door into the kitchen, which was open plan with the living room. Everything was white and bright, and there was a young girl sat at the island in the kitchen. The girl, with hair longer than her Mothers but the same exact colour, smiled a dazzling smile at Betty. 

“This is JB, and I’m Gladys.” The older woman says, moving around to stand behind her daughter, her hands grasping thr girls shoulders. “Welcome. Can I get you a drink of something?" 

"A water would be lovely, thanks.” Betty moved around the island and perched on the stool next to JB. She smiled down at the young girl, and she noticed that her eyes were the same deep sea blue as her Mothers. She smiles a thanks at Gladys as she puts the glass in front of Betty. “Hi, JB. I’m Elizabeth, but everyone calls me Betty. Is JB a nickname?” The girl offered Betty a shy smile. She must be around 13, Betty thought. 

“It stands for Jellybean.” She answered, ducking her head a little. Betty looked up at Gladys, who just shrugged her shoulders and laughed. “Which is still a nickname, anyway.”

“Her Dad fought a hard case, and she won’t tell you her real one unless she trusts you with her life.” Gladys smiled, and Betty noticed the lines at the corner of her eyes. She was beautiful, but she looked tired. And not tired like she didn’t have enough sleep the night before, but more like she had been exhausted for a long time. Betty commended herself on how she could read people. “Well, I’m going to go and sort out some washing, how about you two get to know each other some more.” She ruffled JB’s hair as she walked passed them, leaving the kitchen into the laundry attached. 

“You know,” Betty nudged JB’s shoulder with her own, “I’m going to make it my goal to get your real name out of you. I’ll prove you can trust me, JB.” She offered the young girl a warm smile, that was returned ten fold. “So, tell me, whats your favourite subject in school?" 

"Science.” Jellybeans face lit up, and then it was hard for Betty to get a word in. Not that she minded. She told her all about her school, her friends, how her 14th birthday was coming up and she didn’t know if she was allowed to invite boys to her house just yet but one of her best friends was a boy. She told her how her teachers always compared her to her brother and she hated it. 

“Your brother?” Betty asked, her interest peaked. She had gotten the impression that it was just JB and Gladys, but then again, this house was awfully big for just the two of them. Betty was trying to pick up as much information she could without directly asking, rather waiting for JB to when she felt comfortable.  "Does he go to school with you?“

"He’s in senior year, same as you I think?” Betty nodded at JB. “He’s a shit head in school, and all the teachers think I’ll be a chip off the old block." 

"Oh, well that’s not fair.” Betty was taken a back a little by how easy JB had sworn, but she had to remind herself that just because she still couldn’t say the word crap in her parents house without some alarm going off didn’t mean it was the same for everyone else. Jellybean just shrugged.

“It’s okay, he’s not a shit head to me.” She smiled, spinning herself side to side on her stool. “He’s my big brother, he’s the best.” Betty felt warmth in her chest, the way that JB felt towards her brother was the same that she felt with Polly. 

“That’s nice, JB.”
 
“Him and Mum don’t get along that well, but..” Jellybean trailed off, catching herself before she spilled all their Jones family secrets to this girl she has just met. Sure, Betty was nice and seemed understanding, but JB liked her and didn’t want to scare her away. This house was a good facade for how much they were a South Side family, through and through. 

“I know what thats like.” Betty nudged her shoulder, realising that JB didn’t want to carry on with that sentance just yet. “My Sister and Parents definitely do not see eye to eye.” Jellybean gave Betty a small smile in gratitude, and was about to ask about her sister when she heard the distinct rumbling of a motorbike coming into the street. 

“Speak of the devil.” Jellybean joked. Betty turned her head toward the window, watching a dark figure park up in the driveway on a motorbike.

“What’s your brothers name, dare I ask?” Was all Betty had time to ask before he made his way through the front door.

“Jughead.” Jellybean answered Betty, and announced his arrive at the same time. As the boy took off his helmet, Betty was shocked to realise it was the beanie wearing serpent from Pops. As if in time with her thoughts, Jughead reached into the pocket of his jacket and pulled the hat onto his head. He walked around the behind Betty to Jellybean, ruffling her hair on his way to the fridge.

“Hey, Kid. Where’s Mum?” He asked, not really taking any notice of Betty. She couldn’t help but feel slightly flustered, especially after how much she floundered after the interaction she had with him and the rest of his gang yesterday.

“Doing laundry, you’re safe.” She joked, smiling at her brother.

“Good.” He opened the milk and drank straight from the carton, something Betty found kind of gross. He raised his eyes brows in her direction, a question to his sister.

“Oh, this is Betty. She’s my tutor for the new term, for after school.” Jellybean turned to look at Betty sat beside her. “This is Jughead.” Betty smiled at him.

“Another nickname, I’m presuming?” God, why did she ask that. Like it was any of her business. She could feel the flush rising in her cheeks. Jughead just gave her a sly smile while he screwed the lid back on the milk. This was the most she had gotten to look at him properly, not just from the far corner of the diner. He was good looking, that she wouldn’t deny. He had a sharp jaw, and those blue eyes that seemed to be a Jones trait. She also couldn’t help but notice his hands, the way they grasped the bottle.

“It’s far better than the alternative, trust me.” He shut the fridge door, making to pick up his helmet on his way to the hall that on the opposite side of the kitchen. “I’ve seen you
around, at Pops.” Betty was slightly shocked, she didn’t really think she was someone Jughead would notice. His eyes were trained on her now, and she suddenly hated the fact that she blushes so easily.

“Yeah, I’m there a lot with my friends.” She smiled at him, hoping her face wasn’t as red as it felt.

“That’s it, you’re always third wheeling with that ginger kid and his rich girlfriend, right?” He snarked, a smirk on his face. Betty dropped her smile, his comment kind of pissed her off. She knew she was a third wheel, she didn’t need others pointing it out for her.

“Didn’t realise I was that obvious.” She shot back, a sharp tone to her voice.

“Sometimes, to me.” He still had a smirk on his face, and Betty couldn’t help but find herself enjoying his face. Her heart was beating a little faster, had he really noticed her? He looked her up and down before he spoke again. “When you’ve got those legs out.” He winked, before turning around and walking into the hall.

“Jug! Can you not!” Jellybean called out to her brother, shaking her head in shame. She shot an apologetic look to Betty. “Sorry, told you he was a shit head.”

“It’s okay.” Betty laughed. And as much as she probably wouldn’t admit it, she had kind of enjoyed those comments. It usually wasn’t her who got hit on, that normally fell to Veronica. But she kind of liked it. Or maybe she just liked the way he looked at her. She shook her head, trying to rid herself of those thoughts. Jughead was just a boy, this is just what they do. They liked to play games. Wasn’t it similar to what happened at Pops yesterday? She reminded herself. “Where were we?”

Betty had stayed for a little longer, Gladys came back and the three of them sat and talked. She turned down the invitation of dinner, claiming that her Mother would have already accounted for her, although in reality she wanted to avoid another run in with Jughead.

Later that night while she was trying to sleep, she convinced herself that he was just trying to irk her. He was in a gang after all, it was probably a territorial thing. She wouldn’t let some tiny little run in get to her, she was Betty Cooper after all.


*

If an actor or an actress doesn’t want to sign on for more episodes of a show, that’s a completely understandable choice. But as a writer, if they are your stars, you don’t f’in kill them off. You don’t rob fans of the possibility of a happy ending somewhere. You can’t expect to take that person away and expect everyone to continue welcoming the show with open arms. Instead, you give them the final season they’d always deserved. That would’ve made Nashville wonderful, but no – apparently that’s too much.

One Tree Hill was often a shit show, but at least when Chad Michael Murray wanted out, the series found a way to give Lucas and Peyton their happy ending. 

It’d be like Prison Break killing off Michael Scofield mid season and then saying lol, continue watching – we plan to go on for seasons to come. No.

You don’t do that shit. You don’t kill of the main character mid season after fans fought to get your cancelled show back on air. I’ve never felt so cheated and disrespected as a fan. I would’ve rather Rayna Jaymes decided it’s time to move away from Nashville and retire in Wisconsin. Or go off to LA for the music scene. NY. Anything would’ve been better than murdering her.

As far as I’m concerned, Nashville ended two weeks ago and she’s alive and well.

You want to threaten a lien on my house? Bring it on!

(warning: long story)

This story begins almost a year ago. I received a call from an unknown number on my cell phone. It was an automated message to call a 888 number in regards to serving me papers. I knew right away this may have been a collection agency. Googled the number and confirmed it.

Now I have to disclose I did have identity theft almost 20 years ago. To this day I occasionally get calls from collection agencies trying to collect on some debt from 20+ years ago that was cleared. Now most of the time when I get these calls, I ask for their address to send in a dispute letter including the accompanying data for proof that I had identity theft. Granted they should not be calling me, but they apologize and I don’t get another call. Plus they usually mail me back and said they closed the account.

Well, I go to call this person and I got to say the call was interesting. This woman answered and I gave her my information. She started rattling off a debt that was back in 1995. I let her finish and I told her that I had no knowledge and there was identity theft. And as soon as I said that, she freaked out. She kept saying she knew the debt was mine and I’m going to pay. I kept telling her that I wanted to mail a letter. But she flat out refused. When I told her I knew my rights, she said that I had the right to pay the debt. She then said that she is going to put a lien on my “huge pretty house” (her words) and she was describing the house to the letter. She also said she is going to put a lien on my Lexus that she “sees” in the drive way. And she said that my gate in the front won’t stop the repossession. She then hung up.

Keep reading

You want to threaten a lien on my house? Bring it on!

This story begins almost a year ago. I received a call from an unknown number on my cell phone. It was an automated message to call a 888 number in regards to serving me papers. I knew right away this may have been a collection agency. Googled the number and confirmed it.

Now I have to disclose I did have identity theft almost 20 years ago. To this day I occasionally get calls from collection agencies trying to collect on some debt from 20+ years ago that was cleared. Now most of the time when I get these calls, I ask for their address to send in a dispute letter including the accompanying data for proof that I had identity theft. Granted they should not be calling me, but they apologize and I don’t get another call. Plus they usually mail me back and said they closed the account.

Well, I go to call this person and I got to say the call was interesting. This woman answered and I gave her my information. She started rattling off a debt that was back in 1995. I let her finish and I told her that I had no knowledge and there was identity theft. And as soon as I said that, she freaked out. She kept saying she knew the debt was mine and I’m going to pay. I kept telling her that I wanted to mail a letter. But she flat out refused. When I told her I knew my rights, she said that I had the right to pay the debt. She then said that she is going to put a lien on my “huge pretty house” (her words) and she was describing the house to the letter. She also said she is going to put a lien on my Lexus that she “sees” in the drive way. And she said that my gate in the front won’t stop the repossession.  She then hung up.

Now I knew better. All she did was get my info from public records and then saw my house on Google Street View. My guess is that she tried to push this intimidation on other people that know better. So far it appeared to be a very disreputable company. I also had phone recordings when I called in. And they were legal as I asked her if phone calls can be recorded for quality control purposes. She said of course. And I said “thank you, I’ll take that as my consent”.  

I would of just let this go and just say this lady was crazy. But I kept getting the automated phone calls and I couldn’t block them as they were unknown. I Googled the company and I thought they were in Ohio. A couple of flags that led me to believe this was that the person who owned this company in Ohio was being indicted with charges whom was an attorney. I placed a complaint with the Ohio Attorney General.  They couldn’t find any information on what I was submitting. They did call the phone number I gave them and the attorney general told me they would stop from calling me. But that is all the attorney general could do. I also complained to the Federal Consumer Finance Bureau whom is supposed to be looking into these issues. But they blew my off.

Well three months later, I called this number. I had an idea of maybe pressing buttons when I called in to see if I could get more information about the company through the IVR. Well that paid off. As soon as I pressed 0, I got a different company name. I Googled that company and got tons of complaints. This lead me to the company existing in NY. I complained to the attorney general of NY with all of my info.

I done quite a bit of research over the next couple of weeks and found out a whole bunch of information such as the owner . Found out that the address where the company no longer received mail was at the owner’s address, their Facebook account, etc.. I then got another one of those unknown phone calls. But this time, it’s a different company. I’m sure you get what I am getting at. The company just keeps changing the name, but the parent company still calls. I finally had enough of this.

I get a private investigator involved and they were quite satisfied with all the information I got so far. So I let him do his business. Well he calls me back saying that this company isn’t even registered and it’s ran by this one lady. I find out the rude lady whom I am talking to is the supposed owner, but not running a legitimate business. I got a process server to file a claim in NY. Granted I think I could have done it where I was at. But I was heading up to that area in NY anyway as I had some family reasonably close. Problem was she was not able to be served. The house which she owned, she was not able to be served at. Either she was not there or was staying somewhere else. Well my private investigator started sending out friend requests to her and the people in her friends lists. Well her friends and then she accepted the facebook request. My private investigator found out that she cheated on her boyfriend about a month ago since she posted that crap. The private investigator gave me an idea of trying to reach her boyfriend and if he can lead us to serve her, I will give him $500. Well we did that and sure enough we were finally able to serve this lady at her parents house about 20 miles from where she was at.

I fly up to NY and since it’s small claims it’s just me and this lady. For some reason her mother is there too, but she is not representing. I give the judge all of my info I had over the months and how she broke the law. She broke debt collection laws and threats over the phone. After the judge heard all the trouble I had with these calls and how she hid her identity purposely, the judge gave me the maximum amount of $3000. In NY, small towns and villages are limited to $3000. After the case, I heard her mother loudly whispering (but I heard it,) “You better hope he doesn’t take your house” “Your great grand-father built this with his own bare hands”

I was thinking. “Hmmm, it would be sweet revenge if I could actually put a lien on the house” Well lo and behold, I found out the house had a second mortgage attached to it. With the property value of the house and if it sold, I wouldn’t end up getting the lien money since the secondary mortgage was almost as much as the house.  

I was then contemplating how I was going to get the money from this lady. My private investigator calls me five months later and said her house is going into foreclosure. I get a proxy to bid for me. But as in most foreclosure actions, the bank buys it back as an REO. I decided to send in a low ball offer to buy the house a couple of months later. The bank accepted my offer. My guess is that it’s a small town and trying to get the right market was an issue.

You may be wondering why I even bought this house? Well here’s why. This bitch threatened to put a lien on my house with no merit. Well guess what, I fucking took her house! It was completely worth it. It didn’t cost me too much and I had the money. The house is actually in decent shape, just a little small. Plus it will be a nice summer home when I go to visit my relatives.  Oh and I decided to rub in salt to the wound. I sent a letter to her parent’s address letting them know I took the house. I told them that if her daughter wouldn’t be in the business of scamming people, they may not have lost the house. I also go to find out that the Attorney General of NY is now investigating this lady. I hope they throw the book at her!  Not going to mention the collection agency, but if you stopped getting phone calls from them, you’re welcome!

Edit: Fixed some minor grammar since a couple of people were harping on me. Happy?

Update: I’m surprised this post got so much attention. First of all, for the people who gave gold. Thank you! I know that some people are calling bull shit to my story. All I can say is that this is 100% true. I tried to give as much detail as possible. I just want to address all the people giving me a hard time over the grammar. I didn’t intend this to be a newspaper article. Everything was typed out free form as I wanted to get the entire story out there. I apologize if that really detracted you from enjoying the story.Apparently other people did enjoy it.  I considered going through and re-writing for the grammar mistakes. However, I am sure these same people would find something else to be negative about. Having said that, I do not have any ill feelings towards the negative people or the skeptics. This is the internet and my feelings aren’t hurt. I love you people as much as the people who enjoyed the article.

You want to threaten a lien on my house? Bring it on!

This story begins almost a year ago. I received a call from an unknown number on my cell phone. It was an automated message to call a 888 number in regards to serving me papers. I knew right away this may have been a collection agency. Googled the number and confirmed it.

Now I have to disclose I did have identity theft almost 20 years ago. To this day I occasionally get calls from collection agencies trying to collect on some debt from 20+ years ago that was cleared. Now most of the time when I get these calls, I ask for their address to send in a dispute letter including the accompanying data for proof that I had identity theft. Granted they should not be calling me, but they apologize and I don’t get another call. Plus they usually mail me back and said they closed the account.

Well, I go to call this person and I got to say the call was interesting. This woman answered and I gave her my information. She started rattling off a debt that was back in 1995. I let her finish and I told her that I had no knowledge and there was identity theft. And as soon as I said that, she freaked out. She kept saying she knew the debt was mine and I’m going to pay. I kept telling her that I wanted to mail a letter. But she flat out refused. When I told her I knew my rights, she said that I had the right to pay the debt. She then said that she is going to put a lien on my “huge pretty house” (her words) and she was describing the house to the letter. She also said she is going to put a lien on my Lexus that she “sees” in the drive way. And she said that my gate in the front won’t stop the repossession. She then hung up.

Now I knew better. All she did was get my info from public records and then saw my house on Google Street View. My guess is that she tried to push this intimidation on other people that know better. So far it appeared to be a very disreputable company. I also had phone recordings when I called in. And they were legal as I asked her if phone calls can be recorded for quality control purposes. She said of course. And I said “thank you, I’ll take that as my consent”.

I would of just let this go and just say this lady was crazy. But I kept getting the automated phone calls and I couldn’t block them as they were unknown. I Googled the company and I thought they were in Ohio. A couple of flags that led me to believe this was that the person who owned this company in Ohio was being indicted with charges whom was an attorney. I placed a complaint with the Ohio Attorney General. They couldn’t find any information on what I was submitting. They did call the phone number I gave them and the attorney general told me they would stop from calling me. But that is all the attorney general could do. I also complained to the Federal Consumer Finance Bureau whom is supposed to be looking into these issues. But they blew my off.

Well three months later, I called this number. I had an idea of maybe pressing buttons when I called in to see if I could get more information about the company through the IVR. Well that paid off. As soon as I pressed 0, I got a different company name. I Googled that company and got tons of complaints. This lead me to the company existing in NY. I complained to the attorney general of NY with all of my info.

I done quite a bit of research over the next couple of weeks and found out a whole bunch of information such as the owner . Found out that the address where the company no longer received mail was at the owner’s address, their Facebook account, etc.. I then got another one of those unknown phone calls. But this time, it’s a different company. I’m sure you get what I am getting at. The company just keeps changing the name, but the parent company still calls. I finally had enough of this.

I get a private investigator involved and they were quite satisfied with all the information I got so far. So I let him do his business. Well he calls me back saying that this company isn’t even registered and it’s ran by this one lady. I find out the rude lady whom I am talking to is the supposed owner, but not running a legitimate business. I got a process server to file a claim in NY. Granted I think I could have done it where I was at. But I was heading up to that area in NY anyway as I had some family reasonably close. Problem was she was not able to be served. The house which she owned, she was not able to be served at. Either she was not there or was staying somewhere else. Well my private investigator started sending out friend requests to her and the people in her friends lists. Well her friends and then she accepted the facebook request. My private investigator found out that she cheated on her boyfriend about a month ago since she posted that crap. The private investigator gave me an idea of trying to reach her boyfriend and if he can lead us to serve her, I will give him $500. Well we did that and sure enough we were finally able to serve this lady at her parents house about 20 miles from where she was at.

I fly up to NY and since it’s small claims it’s just me and this lady. For some reason her mother is there too, but she is not representing. I give the judge all of my info I had over the months and how she broke the law. She broke debt collection laws and threats over the phone. After the judge heard all the trouble I had with these calls and how she hid her identity purposely, the judge gave me the maximum amount of $3000. In NY, small towns and villages are limited to $3000. After the case, I heard her mother loudly whispering (but I heard it,) “You better hope he doesn’t take your house” “Your great grand-father built this with his own bare hands”

I was thinking. “Hmmm, it would be sweet revenge if I could actually put a lien on the house” Well lo and behold, I found out the house had a second mortgage attached to it. With the property value of the house and if it sold, I wouldn’t end up getting the lien money since the secondary mortgage was almost as much as the house.

I was then contemplating how I was going to get the money from this lady. My private investigator calls me five months later and said her house is going into foreclosure. I get a proxy to bid for me. But as in most foreclosure actions, the bank buys it back as an REO. I decided to send in a low ball offer to buy the house a couple of months later. The bank accepted my offer. My guess is that it’s a small town and trying to get the right market was an issue.

You may be wondering why I even bought this house? Well here’s why. This bitch threatened to put a lien on my house with no merit. Well guess what, I fucking took her house! It was completely worth it. It didn’t cost me too much and I had the money. The house is actually in decent shape, just a little small. Plus it will be a nice summer home when I go to visit my relatives. Oh and I decided to rub in salt to the wound. I sent a letter to her parent’s address letting them know I took the house. I told them that if her daughter wouldn’t be in the business of scamming people, they may not have lost the house. I also go to find out that the Attorney General of NY is now investigating this lady. I hope they throw the book at her! Not going to mention the collection agency, but if you stopped getting phone calls from them, you’re welcome!

EXO'LuXion Vancouver - LIVE AUDIO STREAM/PIT OUT OF CONTROL

I don’t know if you guys was listening to it but it sounded like shit got real in GA/PIT. Someone, I think, fainted. The owner of the live stream sounded frustrated and scared. Security guards are yelling for people to move back. Then Chanyeol and Suho told them to take one step back. No one listened because in the audio stream the security guards were still yelling for people to move back and the owner was also screaming to move back. Then I guess some fans got into it or something. Security is yelling. Then the translator told everyone to take a step back thus making Chanyeol chant “One step.” Then the audio stream got cut off or the owner forgot about the 30,000 listeners online (LOL everyone freaked out in the chat 😂) 

But then videos of Baekhyun, jokingly, telling fans to step back before by the end of the concert, 50 people will end up in the hospital. He even said that the people in the back are having more fun and that they, EXO and the ones in the back, can see each other better than those in the front. And just now, fan accounts are saying Baekhyun and the rest of the boys(?) are losing their patiences with the fans in the pit and someone yelled “DID U ALL SEE WHAT U DID HE RARELY GETS MAD” Vancouver is somewhat of a mess right now. 

And I feel like majority of their ments are gonna be telling fans to take a step back because so far that’s all they’ve been doing. Dallas left a good impression on EXO so LA and NY since you guys got extended stages and PIT, I hope you guys learn from Vancouver and LISTEN to EXO and BEHAVE WELL in the PIT! And I know Vancouver wanted to leave EXO with a good impression but from everyone else who is listening or watching live updates on twitter, you guys aint leaving EXO with nothing but a bad impression. 

And I’m sooooo happy to say this but thank god, Chicago is seated!

UPDATE:

Fan accounts indeed is saying, that Baekhyun, D.O and possibility Kai are NOT happy with the situation. Some fans left the concert because too many of them are getting injured. And you guys know how their ments are usually long and funny, fan accounts are saying the ments are just short and Chanyeol, I believe is doing most of the talking. The others aren’t really saying much. 

Well you did it VANCOUVER, you manage to make EXO’s first Canada performance a bad one.

UPDATE 2:

So the concert ended but those in front said though they said their goodbyes happily, their eyes didn’t looks happy. They also said there are a lot of fans waiting outside because they got injured. Oh and Vancouver is now known as ONE STEP BACK CITY. Twitter is pretty awesome. 

Alright. LA you’re next. Don’t wanna be known as the next ONE STEP BACK CITY? Behave and listen to EXO and security.

3

I wanted to share some pictures from my really, really big project that is not near to being finished, but still, here you go! Another apartment build. Of course. I just love apartments and lately, this urban style. 

This build is huuuugggeeee, it’s on the biggest lot in Magnolia Promenade and it has like 10 apartments (so far) and it’s gonna be a lot of public places. Cozy restaurants, cafés and stores. I’m thinking of doing a record store, a photo studio etc. I’m just trying to get that New York, downtown feel. And really cool, this is actually inspired from some real streets of NY! 

Well, this is a real work in progress and I don’t see this being finished in a long time because I don’t want to publish anything half hearted, but still, hope you like it! Kiisssessss much kiiisszzes!

Let’s talk about Patty Tolan. Why? Because Patty is fucking awesome.

Am I the only one that came out of Ghostbiusters desperately wanting to know more about her? And with already forming headcannons?

So we’ve seen that she’s a history buff, at bare minimum a New York history buff but when someone goes nerd like that they usually go full nerd. This has me assuming that history is her thing in general but that NY history is her special thing. Her baby, her pet project. And frankly the stuff that she knows isn’t just surface stuff. It isn’t things that you just absorb by osmosis. It’s stuff you’d have to look up, to research. It’s hours in a library looking at old newspapers and reading about context and tracking down primary sources.

In short it’s the sort of stuff you learn to do at uni. As far as I’m concerned the girl is educated. Well educated. I mean to masters or PhD and given who she’s hanging around with it would explain why she’s so blase about way the three scientists act. Anyone that’s been to uni knows that the scientists are the weird ones.

As for why she’s stuck in a crappy job with that sort of education, well, have you seen the economy lately?

“I think I’m the most underrated superstar that’s out there, but that doesn’t matter to me.”

“I know what I’m capable of doing. I know the grind and the hard work I put in to this." "I know how consistent I’ve been over my career. To do it day in and day out and night in and night out on a very consistent basis year in year out, I know what I can do and I know the work I’ve put in.”

“So as far as caring about if I’m underrated as a superstar, and getting the respect I deserve, I don’t worry about that. In due time if everything goes well, I will get it… I know what I can do, and I know what I’ve done on the basketball court. I know what I can get better at. But as far as you know, self-proclaiming me as being an underrated superstar, that’s out of my league.” [x]

Preference #92: Catches You Doing Something Stupid

Your name: submit What is this?

Harry: Catches you pretending to be pregnant

After having dinner with Lou and Tom, you and Harry were finally home.

“I’m going to hop in the shower.” He said kissing your temple.

“Alright, I’m gonna get ready for bed.” You told him already heading for the bedroom.

You felt like an overstuffed turkey. You had eaten so much, and Lou always made the most amazing meals. After brushing through your hair and plugging in your phone, you started pealing off your shirt and pants. You groaned, catching a glimpse of yourself in your full-length mirror. You rubbed you’re full stomach, and found yourself think about if this is what it felt like to be pregnant. You pushed your belly out a bit more, creating ‘the bump’. You smiled thinking about a baby growing inside you and about you and Harry becoming parents.

“Ah-hem.” Harry coughed, causing you to shriek.

Harry had snuck into the room, catching you with your arms wrapped around you belly.

“Wh-What were you doing?” He asked, his hair still dripping wet.

“Uhm…n-nothing.” You said attempting to cover your already reddening face.

“Didn’t look like nothing.” He grinned.

He walked over to you kissing your cheek, “You’ll make a great mother one day…you know that?”

You peeked through your fingers to see Harry still staring at you, and for a moment the two of you just looked at each other. Saying nothing, until Harry finally broke the silence by saying:

“I love you, even when you’re doing weird shit.”

Liam: Catches you singing in your underwear

While getting ready for work, you were dancing around to the music you blasted from Liam’s IPod. He wasn’t due to back from the gym for an hour so, you had the house completely to yourself. You shuffled through a few of them, before picking the one song you couldn’t resist singing along to.

“Little black dress just walked into the room…”

You grabbed a hairbrush off of your dresser and began singing your heart out.

“…Can’t stop looking at you!”

“…CAN’T STOP LOOKING AT YOU!”

 You began sliding across the floor like Tom Cruise. Underwear and all. Your head bangs were probably excessive, but you didn’t really care. In an hour you were going to bored out of your mind. The least you could do was go in happy.

“It’s so right. It’s so right. It’s so right, you know!”

“IT’S SO RIGHT. IT’S SO RIGHT. IT’S SO RIGHT, YOU KNOW!” You belted, rolling your shoulders back.

“LITTLE BLACK DRE-” You began singing before the music came to an abrupt end.

You spun around to find Liam standing at the stereo, IPod in hand and a cheeky smile plastered across his face.

“This what you normally do when I’m not around?” He laughed gesturing at your disheveled appearance.

Straightening out your hair, you were only able to manage a soft, “Uhm, no..”

“I thought you had to work.” Liam laughed.

“I thought you had to gym- uh I mean I do, but..not..yet.” You mumbled.

“HAha, I am going to gym, but I forgot my IPod.” He mocked, pulling you in for a hug.

“Hey, don’t make fun of me!” You smirked.

“Sorry sweetheart, that’s my job, but I’ll see you when you get home, yeah?” He chuckled pecking your lips.

“Yeah.” You nodded.

“Good, see you tonight babe.” He said, before humming ‘Little Black Dress’ as he walk out the door.

Niall: Catches you playing the 'Chubby Bunny’ Challenge

Being on tour with the boys could get boring every now and again, and spending a lot of it in various hotel rooms didn’t help. Thankfully, you and Niall would always stock up on a few things from home to keep in your room. Digging through the box of stuff you found some marshmallows. You laughed thinking back to Harry and Niall’s 'Chubby Bunny’ Challenge.

Niall told you how much harder it was, then it looked. It couldn’t be that hard, could it? You found yourself glancing around your empty hotel room.

'Might as well’ you thought.

Standing up, you were sure to place the 'do not disturb’ sign on the front of the door. You sat down on the bed and tore open the top of the marshmallow bag. You laughed realizing just how stupid you must have looked already. You shrugged, stuffing the first, fluffy white marshmallow into the corner of your cheek.

“Chubby Bunny.” You said aloud.

So far, so good. You grabbed yet another, placing this one into the other side of your mouth. Giving a noticeable change already, you said, “Chub-by Bun-ny.”

Minutes later you are going on your ninth marshmallow. Pressing the marshmallow into your mouth, you sighed.

'Holy Shit’ you thought, understanding just how difficult the challenge really was.

“Hey babe? Why did you have the sigh on the doooo….” Niall said practically busting into the room.

He tilted his head in confusion, you could only imagine. What was running through his head. Without thinking you took a breath and mumbled, “uBBy UnNy”.

This sent Niall into an absolute fit. He was gasping for air as he pulled out his IPhone from his pocket.

“AHAHAHA! You have to let me tweet this!” He laughed, snapping the picture before you could say no.

Louis: Catches you trying to get out of clothes

 You had spent your day sorting through your old clothes, decided what to keep and what to give away or sell. You were almost done and only had a couple more shirts to go through. You picked up one off of the pile. An old band tee, that you never remembered liking. It went on easily enough, when you slid it over your head and brought an arm through each sleeve.

“Shit!” You grumbled, when you notice that the end of your shirt barely reached your belly button. You sighed, knowing you’d have to place it in the to go pile.

Crossing your arms over your torso, you tugged at the cotton and pulled it upwards towards your head. Once your elbows reached shoulder height, they wouldn’t go any higher. You tried to bring them back down, but that wasn’t happening either. A sudden rush of panic flooded your head. You’re only choices now where to wear the same shirt for the rest of your life, or to cut it off.

“Dammit.. COME ON!” You grunted, still struggling for freedom.

A fruity laugh echoed from the corner of the room, which only meant that Louis was home early and God knows how long he had been standing there.

“Lou..?” You asked.

“..How lon-”

“Long enough to feel a bit sorry for you.” He chuckled, his voice getting closer.

“How’s it that you’ve even managed this?” He asked, grabbing the part of the shirt still caught on your elbow.

“I don’t know, just help me!” You whined.

“Alright, Alright.” He giggled, finally releasing you from your cotton death trap.

“That was the best thing I have seen all week.” He laughed.

“Well I am so glad, I could amuse you.“ You huffed.

Zayn:  Catches you Masturbating (His P.O.V.)

"How excited is Y/N gonna be when she finds out you got to come home early!” Liam laughed patting my shoulder.

“Very. I hope. I’ve been waiting 3 months to see her!” I confessed.

The SUV we had been picked up in at the airport, felt like it was just inching along. Every mile we got closer to the house, the more I want to text her. But I wanted it to be a surprise, maybe find her sleeping, and curl up next to her. Kissing her soft smooth skin. Seeing her in nothing, but an oversized sweatshirt and a thong.

*cough*

After what felt like ages, we finally made it to the house. The car was there, so at least she was home. I lugged my bags inside, closing the door as quietly as possible. I hear the low hum of music coming from the upstairs bedroom. Kicking of my shoes, I started up the stairs. As I got closer, I recognized the song.

'Baby let me ride your body, rock your body. Kiss your favourite spot…’

I could hear a whimpering coming from behind the door, at first I thought that it was our dog wanting to get out of the bedroom to go outside, but he soon came prancing over to me, tail wagging.

“Wha-” I whispered, patting the pups head.

I reached for the handle, hearing her cry out again. I wasted no time bursting through the door, I had to make sure she was okay.

“AHH WHAT THE FUCK!” Y/N screamed, sprawled out naked on the sheets of our bed.

We both collectively took a few seconds to process what was happening. It was until I saw a pink, cock shape object in her hand. Her face was flushed, as she ran to find her robe.

“UHm, wher-” I said rambling.

“ZAYN WHY DIDN’T YOU TELL ME YOU WERE COMING HOME EARLY!!” She shouted, clearly embarrassed.

“I, uh wanted to surprise you babe. But I guess you surprised meh.” I said trying my best to hide my laughter.

“Not. Funny.” She sighed.

“It’s…a bit funny babe, you have to admit…” I shrugged.

Y/N covered her face with the arms of her robe, shaking her head back and forth. Her face was now beaming red, as well as her chest.

“Aw, come on babe. You’re just warmed up now, yeah?” I joked.

“Zayn!” She chuckled, giving my arm a good smack.

A/N: Because face it, we’ve all been caught doing something embarrassing.

-Milk ;D

anonymous asked:

Hey, I noticed you haven't posted anything recently. I hope you're feeling better and having a good recovery. I hope to be a able to have the courage to go though it myself. Sending you my best wishes from NY!

Thank you for checking in ❤️ I’m doing really well and my recovery has been very smooth so far. At my first post-op appointment Dr. Chen said I was “healing with flying colors!” I stepped away from tumblr for a few days because I really needed a break from it. The downtime from recovering has really brought up a lot of feelings and thoughts I hadn’t thought about in a long time and having the space to process them on my own is important. A friend of mine likened this surgery to being reborn and I agree; the changes aren’t just physical.