i don't know where i am...

[Then, what is it? How would I know if you don't tell me? I can't just let you go again like this without even knowing why.] It's because I feel ashamed! I feel ashamed that I'm broke and that my family has become poor. I'm struggling to earn a meagre income to be with you and to spend the day together. But I'm even ashamed to be happy for a second when I received an expensive gift. It was the same back then.

BOYS BE BRAVE (2024). EPISODE SIX.

Only cool comic fans download the No Thanks app for iOS and Android that scans barcodes to check if a product is on the boycott list

I've seen posts going around claiming that petting animals is basically tricking them into thinking they're being groomed, and it's bugging me because, like, there's no trickery afoot. Petting and scritching are grooming activities. They help to dislodge loose fur and foreign objects and more evenly distribute protective oils, among other things. Primates are social groomers, and the human impulse to scritch is the legacy of our primate ancestors. We see an animal we like, even a dangerous one, and the monkey brain says "groom that thing".

Sucking a guy's dick is basically tricking him into thinking he's having sex

derin why

I'm helping

Is Chris Evans Steve Rogers or is Steve Rogers Chris Evans?

good

“Fellas, is it gay to be a good father?”

Shout out to Harry Hill

I think Piers is somewhat of a national laughing stock by now

if I don’t reblog a good burn on piers morgan, assume I’m dead

The logic of “Brands will only hop on the train if they can prove it’s profitable” makes it so much funnier when they clown on this fool. “Yeah we crunched the numbers and we found it to be profitable to call this clown out in public. Jacob hit the post button.”

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.

That last part. BIG TIME.

“are you a yaoi fan or a yuri fan” i’m liopleurodon

we will embark on a journey to the candy mountain

About Gaza Funds

it’s so bizarre when animated American films are set in a certain location and then only certain characters have the accents of that place. It makes no damn sense!! like

WHY IS SHE MORE FRENCH THAN THE REST OF THEM???

WHY ARE THESE GUYS MORE SCOTTISH THAN THE KIDS??

(also, aren’t they Vikings or something?)

To be fair, almost everyone in Ratatouille does have a French accent. The real question is why Linguini and also all the rats sound intensely American

If it was just the rats I’d say it’s because the movie can be interpreted to mean that the rats understand but don’t necessarily speak human languages so the rat dialog isn’t literally taking place the way we see it but that doesn’t explain why Linguini has a rat accent

LINGUINI HAS A RAT ACCENT 

Do we ever hear like

For sure that Linguini grew up in France tho?

It could be possible he’s just an American immigrant

I mean his name is Alfredo Linguini so I always assumed he was Italian

I’m sorry his first name is Alfredo?

What

ALFREDO???

he’s American you guys his mother was American it was mentioned in the beginning

I’m sorry, I’ve moved on to the fact his mother was going through her cupboard for baby names

Alfredo was a name before it was a sauce let’s go over the movie from the top again

This is Alfredo di Lelio (right) the inventor of fettuccine Alfredo, he’d come out to the table and make it in front of you by hand

The chap on the left is an airport

I think you might have your left and right mixed up, my friend

Great post everyone. Hit the showers.

Has anyone ever actually finished a stick of lip balm or do they just despawn after a certain amount of time

I make all my posts to be popular, unless I don't

this is one of the latter boys

your spells won't work on me

how are you so sure

Even if the post wasn't meant to be now with the curse of #posts that have 10k to me it will be

Hanging this on my wall to remember when it was so tiny

investing at 63 notes

somehow instead of saying "as a treat", I've started using the phrase "for morale", as if my body is a ship and its crew, and I (the captain) have to keep us in high spirits, lest we suffer a mutiny in the coming days.

and so I will eat this small block of fancy cheese, for morale. I will take a break and drink some tea, for morale. I will pick up that weird bug, for morale.

I'm not sure if it helps, but it does entertain me

the “cannibalism is inherently sexual and about love and so hot” crowd somehow turns out to be very put off when a rap song has the word pussy in it

“shake that ass bitch” on a trap beat seems to be just a little too much for blogger who spends 7 hours of their day writing omegaverse fanfic porn

“be gay do crimes” chanter suddenly very upset reading lyrics on genius dot com about someone making and dealing drugs

This Friday's meme is: the perfect being

Have you seen fossilised crabs. They're hilarious they literally do just

Straight up they are just fully there. Shellfish are really fun like that, i have a shrimp fossil in my collection that's like. Yeah it's just 100% a shrimp, legs and antennae and all. When your skeleton is on the outside, it means your outside fossilises really well.