I liked this post, scrolled for like another minute before I went “SHIT FUCK SHIT” and scrolled back to reblog it
I always reblog this one when I see it on my dash. When someone posts their own art, writing, or music here they are really hoping you will share it.
Please do not let debt collectors play in your face.
I am super busy so I honestly don’t even know if I should be taking the time to write this, but hopefully this will help those of you who may find yourself in a similar situation.
Earlier this year I received a letter of notice from a debt collector stating that they had acquired a debt supposedly belonging to me and that, per law, I have 30 days to dispute the debt. I immediately drafted a letter and sent it to both disputing the debt and request validation of the debt as well as possible settlement arrangements had they actually been able to validate said debt
I sent this letter via certified mail. Always certified mail.
About a week after the 30 day period for them to respond expired, I received a Phone call very specifically crafted in a way to invoke urgency and panic and suggest legal action. So, naturally, I called this number only to discover this was a different company that had only just recently acquired said supposed debt. I reiterated to them that I was disputing this debt and required validation in writing.
The initial conversation went smoothly, they then called me back the next day and became aggressive. They accused me of lying and did everything under the sun to try and trick me into validating this debt as mine so that they would not have to legally send me that validation. I, knowing my rights, insisted that I was disputing the debt and that they were required to send me validation despite them claiming that they were not and that they already had and many other number of lies. I refused to continue the conversation until someone had sent me validation to which they continually responded that they would be forwarding this to their legal department and blah blah blah blah blah.
Surprise surprise, I get a phone call today from yet another company, this one claiming to be in the process of forwarding my account to the county clerks office. That was an immediate red flag as the county clerk does not handle debt disputes. They would have to hire a lawyer in my state to handle this case. I asked what company this was as they had not stated initially, and when they told me I realized this was now another company who had purchased said alleged debt and we’re trying to collect on it. this one outright illegally threatening to take me to court knowing they weren’t.
Beyond that, he tried to lie to me and tell me that a debt validation was not what I thought it was and that a validation was actually just a notice that they had purchased a debt so when I received a letter stating that they had purchased this debt that would be a validation.
That is not true! Debt companies are legally required to send you notice of an allegedly acquired debt in writing and you have 30 days to dispute and request that validation. The company then has 30 days themselves to respond and validate your debt or the debt is forfeit. This man tried to lie to me and tell me that a notice was the same thing as a dead validation in order to trick me into paying a debt that he cannot validate that I am actively disputing.
This is now the fourth company that has attempted to collect on a debt they cannot validate. They know they cannot validate this debt and instead have relied on trying to trick me into paying it. These tactics would absolutely work if I did not have a sales background and or know my rights.
And this ladies and gentlemen is why you always always always dispute a debt. The last debt I disputed was immediately pulled from collections and that allowed me to get back in contact with the original creditor and work out a payment plan so that it would never hit my credit and keep my account with them current. This debt is invalid and therefore they cannot hit my credit with it nor can I collect on it or I will sue them.
If you guys have any questions about dealing with that collectors please ask me.
I’m not surprised they gave you the long ass run around on this.
For anyone that has a debt sold to a Collections Agency do exactly what OP did and request debt validation (Google-able). Most of the time, the Original company you owed debt to did not give them your Social Security Number or your date of birth; just a good phone number and address. In order to be held legally responsible for it and to be on your credit score, they need your SSN or DOB to prove it’s yours.
Usually, they’re initial call will say “Hey so before we can discuss your debt of $Xxxx, we need you to verify your SSN and DOB.” They’re lying. That means they want you to confirm it so they can legally pin that debt to you. If you send a Debt Validation letter VIA CERTIFIED MAIL, that Collections Agency has 30 days to prove you owe the debt and that it does in fact tie to you. Since in most cases they can’t, they’ll send a letter saying “We don’t have the necessary information to collect on this debt. It is now null and void.” Send copies of that to the credit bureaus, and they wipe it from your credit report.
With OP, they did the shadiest thing possible by constantly re-selling the debt, thus starting over that 30 day response period.
Never pay a debt unless you’re certain that you owe it. Especially if it’s for a deceased relative. Debt collection companies are especially predatory during the grieving period asking you to “Pay down the debt” or “Clear their good name”. Unless you (co)signed, don’t give them anything. The debt will get written off on their taxes. If you do pay, you’re locked in on that debt. You basically showed “willingness and ability to pay” which is all they need.
this is US rules btw
just to emphasize the last point: the collection agency may actually have the information they need to tie you to a debt that’s yours, so you might end up having to pay. but they CANNOT make you pay your own money to clear a dead relative’s debt. all of those debts have to come out of that relative’s money, and if there’s no money left, too bad! cost of doing business.
this is the realest shit i’ve ever read
all the french in the notes are like
Girls will be like Idk why im so unproductive recently and then you ask whats going on in their life and they list eight lifestopping crisies and then say 'yeah but i should be fine :/ '
had one of those "I feel burned out but I shouldn't be" crises last night and Charles patiently reminded me that it's still a pandemic
Me: But nothing's happened to me! Charles: Yes, but everything's happened to your husband.
“idc about shipping im an adult” i love that and i hope youre having fun but im gonna go gorge myself on every silly little interaction these fake people have and live like a king
I honestly though they were referring to the cost of shipping things when you buy them online. And then that the secondary person was stating that they deal with the fact that they do care about the cost of shipping by drowning themselves in fictional characters...
So of course I wanted to know how the adult who doesn't care about the cost of shipping reaches that level of adult Bc I'm at the adult level where if shipping isn't free then I don't need it that bad.
Women have always participated in fighting; whether that is in war or in breaking down barriers that have been set in front of us by society.
Take inspiration from our foremothers and continue breaking down barriers, wherever you are.
-FemaleWarrior, She/They
nothing to do with my blog but how could I not reblog this???
Hey, quick point - your image for Onna Bugeisha is actually a kabuki actress. I know, because I’ve used the image for presentations on the subject. In her stead may I introduce Niijima Yae, aka Yamamoto Yaeko.
Born in 1845.
In 1868, fought at the Battle of Aizu. Her father was the gunnery instructor, and she was trained on a Spencer carbine, which she used to defend the castle.
1871, divorced her husband and went to Kyoto to find her brother, who had been taken as a POW.
1871-1898, remarried a western-educated man, co-founded two schools (including a girls’ school), became a certified Tea Master and flower arranging instructor.
1890, following the death of her husband, became a Red Cross nurse. Served in the First Sino-Japanese War (1894-5) leading a team of 40 nurses, and the Russo-Japanese War (1904). Decorated for her service in both.
I’m proud of people adding their own knowledge to this.
“but adding women to [insert title] isn’t accurate!” women existed back then too, baby. history was just written by men, for men
Also i can’t find a source confirming that that’s a photo of Kate Warne, or that she ever went undercover as a man
this, however, definitely is her as far as I can find out:
THIS RIGHT HERE
You guys are dangerously close to realizing specifically what kinds of people they keep from voting and why.
Oh and we have privatized prisons which allow companies to actually make money off of keeping people incarcerated
Here’s what’s really perverse: prisoners, who cannot vote, still get counted in the U.S. Census. The more prisoners a county has, the more representation it gets, even though the prisoners cannot vote. See how that works? The more black and brown people they lock up, the more government resources and political representation they get. Even though those prisoners have no say and cannot vote.
If county-A has a population of 50 voters but no prisons, and county-B has a population of 50 voters and 50 prisoners, the county with the prisoners gets more government funding and more political represention. This is sometimes called “prison gerrymandering” and it is used in redistrictring.
Not so fun Fact: Southern states that reliably vote for Republicans also have the highest prison population in the United States. (source). So mass incarceration is a double whammy. It’s both a form of voter suppression and a tool to strengthen white people’s political power.
I’d also like to drop recommendations for The New Jim Crow: Mass Incarceration in the Age of Colorblindness and Slavery by Another Name: The Re-Enslavement of Black Americans from the Civil War to World War II.
They both tackle the historical evolution of modern-day mass incarceration (e.g. slavery giving way to convict leasing giving way to the modern prison-industrial complex & for-profit prisons) and how it relates to voter disenfranchisement.
Shoutout to the all queer family heroes
wow this actually makes me feel really happy cause that person is me…
It me
I have to tell this story.
I thought I was the first person to come out on either side of my family, but like three years after I came out, my mom was like, “By the way, my Aunt Mildred was a lesbian.”
“What? Really?”
“Yeah. My mom just told me this story the other day about her. She also had really bad depression, so bad that she was hospitalized. Her father flew out to San Diego to see her there. The nurses caught him on the way in and told him the no matter what she said, he was not allowed to get upset.” (This is the Catholic side of the family. Like, serious Irish Catholic with eleven kids and multiple priests in the family. Also super-duper Southern. And this was the 1940s and it was illegal.) “And he got real scared, but he went in. And she said, ‘Daddy, I’m a lesbian.’ He threw his hands in the air and hollered, ‘OH THANK GOD! I was worried it was gonna be something bad.’”
So. Shoutout to my Great Aunt Mildred, because she got there before I did.
Further shoutout to my second cousin Jared, who thought he was the first in even the extended family until he turned up for Granny’s 90th birthday, saw me for the first time in probably fifteen years, and heard me utter the words, “My wife…”
General shoutout to anybody who even thought they were the first in their family when they came out, even if they found out differently later on.
Y'know what, I love this story so fucking much that I’m going to schedule it to reblog when people will see it.
shoutout to those nurses who were ready to throw the fuck down for their young depressed lesbian patient like… when we talk about allies that is actually the kind of ally that has helped us to survive. in the most literal sense.
Absolutely shoutout to Aunt Mildred’s Nurses. That was some Good Allyship.
guy whose pronouns are who/whom/whose
“whose pronouns are who/whom/whose?”
“that’s right”
Imperialism kills.
They stole the land and killed the children.
I want to put this in perspective for anyone else in Canada: this has happened within less than a century. These are 1665 human beings who would have otherwise been elders today. Thousands of people who should have been able to grow up, live their lives, build families, maintain and pass on traditions, and more, gone because of British colonialism.
The Canadian government and Catholic church intentionally destroyed an entire generation of Indigenous people. Please, support your Indigenous friends, and please stop pretending that Canada is better than America when it comes to institutional racism.
Important to add that the last school was closed in 1997, in Rankin Inlet and the last large city residential school was closed in 1996, in Saskatchewan. Less than a century, certainly, for most of you it was WITHIN YOUR LIFE TIME. The decline in those schools didn’t start until 1970.
150,000 of those who survived had their names, their origins, their families, stripped away from them. A lot were taken as young as 3 years old, many will never know their own families or their names. Many can’t even get their status even though they were sent there BECAUSE they are indigenous. Canada was willing to torture and kill these poor kids, but when they ask for the reparation Canada offers, they reject some of them. Canada is NOT better than America when it comes to institutional racism, I 100% agree with that.
Our people has dealt with so much more than people can possibly imagine, because it has all been erased, even we don’t know the full damage. Please spread the word. They deserve justice.
do you ever sit and think about your female ancestors and like how many of them endured forced marriages, sexual abuse, physical violence and complete deprivation of education and autonomy and suffered silently for literally centuries. going through pregnancies and child birth without modern medicine, having multiple children and watching most of them die before the age of five because that was just the way of life back then? and ultimately you are a product of their pain? i think about them a lot and then i think about how many women continue to share their reality in this current year
so can we start hunting down white liberals now or what
The full picture is even more heart breaking after you open the uncropped version. Just a heads-up, it's rough
Nah let’s post it. Let’s feel it. Don’t look away.
I notice alot of my followers on here skipping these posts just to mess with my lgbt ones, suspiciously the white popular ones.
Heres a not so friendly reminder, as an lgbt metis person, i dont give a single fuck what your blog is themed or if this is too painful for you to look at. Reblog this post. Reblog this post with the sources of the 751 children who were found.
Your compliance and silence as well as the compliance and silence of your ancestors is what allowed these schools to open and kill first nations children. The children of MY people.
Dont follow me if you cant reblog this post or the one with sources to your political blog or your most popular blog. Add trigger warnings if you must but if your political blog is only focused on the harms you personally face like being lgbt then you need to see some bigger pictures and stop being afraid of angering your racist mutural or actually saying some shit about racism. If you can reblog some antifa graphics or add blm to your bio to be a surface level ally, you can reblog some sources on the genocide first nations people faced and still face today.
