you did well

angelica | 23 | chicana | she/her | bi bbh, tiffany & jisung ult https://baekhyunsitos.carrd.co

[baeksesposa]

srry I feel like I say this often but oomfs follow me on Twitter @/baekhyunsitos !!

[punch-needle]

Art at the thrift store… no name

[m0ney]

Baby Baby by Girls' Generation (CD, 2008) ‧₊˚𖦹𓂃౨ৎ˚

[pjosource]

PERCY JACKSON AND THE OLYMPIANS 2.01, I Play Dodgeball with Cannibals

[perccyjackson]

PERCY JACKSON AND THE OLYMPIANS | 2x05: We Check In to C.C.’s Spa & Resort

[baeksesposa]

and my other update is I SAW MY BAEKHYUN. IN HIS SOLO CONCERT. ISNT THAT SO CRAZY. I SANG BAEKHYUN SONGS IN A BAEKHYUN CONCERT WITH BAEKHYUN FANS IN MY HOME STATE OF ILLINOIS.!!!!!!

[baeksesposa]

hello tumblr moots follow me on twitter @/baekhyunsitos im more active on there but i try to pop in on here toooo. anyways i have an English lit degree now as well :) so im #pretentious certified now

[desolationlesbian]

fiction got off soooo lucky with dreams and hallucinations. imagine if the human brain didn't come with a built-in path to surreal imagery that could perfectly represent abstract themes and emotional truths through metaphor. we'd be so fucked man

[camrlart]

i love you like all-fire

[rage-against-the-dishwasher]

i love wendell bambleby with my whole heart. the man has exactly three motives and outside of them he cannot do a single task without bitching copiously about it. they are: (1) my wife is the most wondrous being in existence and she shall want for nothing ever again, (2) this house has NOT been properly kept!! (yes i do count the silva lupi as an unkempt house), and (3) Pure Vibes

[melodiden]

[transcyberism]

hey it's probably a really good idea to download a copy of your Master Promissory Note since most of them stipulate that your loans are *specifically owed to the Department of Education* and if you intend to dispute the debt in the wake of the DoE dissolving that will be really good to have

[transcyberism]

log in and then go to My Documents and download a copy of it. i'm serious. if trump dissolves the DoE entirely it may make the debt uncollectable depending on exactly how they do it, and he's too stupid to listen to lawyers that tell him when he's breaking the law. worst case you have an extra PDF on your computer. best case your student loans go away because you signed a contract to pay DoE and no one else. go download a copy.

[finesummerday]

Love the spirit of this, but they will probably use a debt assignment to legally transfer the debt to a new entity.

Investopedia has an article about the practice here: https://www.investopedia.com/terms/d/debtassignment.asp

Always a good idea to have a copy of your note, though! And the proper transfer process is described in the FDCPA (an act of congress), so if the new debt owner fails to provide appropriate notice, you may have relief options there. (Potentially dependent on the CFPB continuing to function, which it….might not…)

~not legal advice, just work experience in finance~

Debt Assignment: How They Work, Considerations and Benefits

Debt assignment is a transfer of debt, and all the associated rights and obligations, from a creditor to a third party—often to a debt colle

[transcyberism]

I stated this elsewhere but the Higher Education Act has specific language about when debt is allowed to be sold - they can't just sell it at any time for any reason, and all the terms of the Act would still apply to the loan since in most cases the MPN stipulates as much (since the actual terms of a promissory note can't be altered without consent even if the payee changes). Specifically, they cannot sell the debt if it "result[s] in any cost to the Federal Government". Reassigning the loans to another agency would incur a massive cost since that agency would have to hire new personnel and build new infrastructure, eliminating the possibility of a sale within the government, and a sale to a private third party would made debt validation very tricky for that party since FERPA would prevent disclosure of a borrower's SSN, student ID number (ergo, the account number), and the itemization of the debt without written consent, meaning in that scenario the borrower could most likely* refuse this disclosure, dispute the debt, and win pretty easily.

*not a lawyer

the bottom line, if they attempt to reassign your loans anywhere... REQUEST DEBT VALIDATION BEFORE PAYING A CENT.

[nenan]

Jøshua Zerø photographed by Nicole Ngai

[baeksesposa]

Seeing nct 127 tmrw for the second time ever :DDDDD

[siro666b]

[pissvortex]

timeline:

- Trump signs unpopular order banning TikTok for being Chinese

- Democrats support the ban because people are supporting a ceasefire on TikTok

- Netanyahu sides with Trump despite Biden’s ass kissing and collaborates with him to delay ceasefire talks

- Dems lose in a landslide because of their deeply unpopular positions

- Trump takes credit for the ceasefire and for TikTok getting unbanned

[doubleca5t]

[saturnniidae]