@jacketthief / jacketthief.tumblr.com
its kind of beyond fucked up that u don't even have to be born in the 90s to be in ur 20s anymore. like they're letting just fucking anyone be 20 now. u were born in 2004? sure yeah u can be 20 this year yeah no whatever man it's cool . what the heeellllllll
i am a big believer in letting music (and other media) come to you when you're ready for it. you may only know vaguely of an acclaimed beloved artist and suspect that you'd be into them but just... not ever get around to it. and then in 15 years one of their songs just hits you the right way and what a gift to suddenly have all of their works to explore! there is no hurry; what is good is always good.
my teeth were perfectly designed to tear abd rend the soft white flesh of the gentle beast known as the mozzarella
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.
I gotta say... even if you *are * "certain you owe it", get it validated. If someone forgot to make sure to dot all the i's and cross all the t's and didn't connect the DOB and SSN and everything... That isn't your fault. This whole capitalistic hellscape is fucking broken. don't pay *anything* that you legally can't be compelled to.
things are just gonna have to get better whether they want to or not!!
Hourglass.
#sundial has some noteworthy moving parts#like the sun#and the earth
You know, I always heard tumblr users were a bunch of kinky weirdos but I'm not so sure. I checked the polls and everyone here is super into vanilla.
this is so fucking funny to me. this catholic charity really has this as their 404 page. someone designed and coded this. they call it a 404 prayer.
Pink
Pink ain’t come to play wit you hoes!
I’m only 5 episodes into Hannibal but the thing I love most is that it starts out bonkers opposite to every other “guy with Problems Disorder solves crimes the police cant” TV show. Like in Psych or something the protagonist presents reasonable evidence and the person in charge will go “:/ sounds nice but unfortunately I don’t believe you” whereas Will Graham will lick the asphalt at the scene of the crime and b like “The killer ate this woman’s tendons because he wanted to experience the feeling of running through a field of freshly budded coneflowers. We’re looking for a tetraplegic who lost his mother as a child” and the FBI dudes are like “ah shit he’s prolly right”
Procastination
Honk honk fall in love
“The only other thing in the file can’t really be considered a lead, especially as it’s now gone. It was a small, hexagonal token, about an inch in diameter. There were no markings on it, but it appeared to be made of very old bone. I was unable to determine anything further, as when I picked it up, it simply crumbled to dust in my hand. Perhaps that’s fitting.“
Fitting? No, Jon, not fitting. You made it crumble to dust. You made your lead crumble to dust and you don’t even seem to have a picture of it, Jon. I bet you weren’t even wearing gloves, Jon. You are a disgrace to the profession of Archivist, Jon.
If you don’t do it for the artifacts, do it for your health, Jon. There is the literal embodiment of corruption out there and here you are, touching shit and breathing bonedust. Jon. Jon, why, Jon?
people complaining about the mandalorian being “all filler episodes” like bro idk about you but im enjoying every second of this action slice of life about a deadly warrior and his son, so
rip all of you wanting a plot, but i’m different
