Cosimo Galluzzi
RMH
dirt enthusiast
will byers stan first human second
Jules of Nature
"I'm Dorothy Gale from Kansas"
art blog(derogatory)
we're not kids anymore.
shark vs the universe
@theartofmadeline
PUT YOUR BEARD IN MY MOUTH
blake kathryn
JVL
Discoholic 🪩
Claire Keane
Aqua Utopia｜海の底で記憶を紡ぐ
i don't do bad sauce passes
🪼
todays bird
Three Goblin Art
seen from United States
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@rozapphira
“We could’ve built this place in seventy two hours, but human rights violations kept us from completely treating these people like animals in a zoo.”
Housing the homeless isn't feasible.
Treating the sick isn't feasible.
But we can build concentration camps in a week.
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.
Generally feeling very dumpy right now. Even this photo got cropped wrong by tumblr, but it's strangely appropriate to the mood.
I gotta say, one of the greatest achievements of my 20s was that I learned (mostly) to differentiate between:
"I truly do not want to go" and
"I'm just feeling the Demand Avoidance, and I will like it once I get there."
autumntides
10h
"In the instance an employer makes an illegal request for a photograph as part of a job application, you may submit a complaint to the United States Equal Employment Opportunity Commission." Successful violation fee collections are paid partially to the one who suffered the violation, which in many cases exceeds a year of work at these shit jobs. There's only two weak points to a corporation, and those are in the budget and in the supply chain. Hit them where it hurts.
Fucking word.
Learn your rights!
AUTO REBLOG IN CASE YOU MISSED THIS THE 1ST TIME AROUND. It is important to KNOW YOUR RIGHTS.
My cats have this meow that means "please come with me to fix this" after which they'll lead me to the problem in question, usually a empty (or 'empty') food bowl or a closed door they want open. They look at the 'problem', they look back at me, clear message.
What fascinates me is how this illustrates what they percieve as being in the realm of my 'power.' I control the food, I control the door, sure, but my cats love to sit on the balcony in the sun, and it has happened plenty of times that on a rainy day they come get me, go to the balcony and show me... the rain. "Please fix this" they say. "Please get rid of the wet"
"Silly kitty," I say, "I can't control the rain." I then walk into the shower and turn on the rain.
Which character did you get in Spotify Wrapped 2023?
Vampire
Shapeshifter
Robotist
Fanatic
Cyclops
Collector
Mastermind
Alchemist
Luminary
Hypnotist
Hunter
Time Traveller
i think ubisoft devs should not only post their work from canned projects i think they should legally be allowed to come together and eat the entire guillemot family <3
Tiktok app breaks on me everyday but i get the most interaction there 🙃 latest breaks are...follower count stuck at 85 for 4 months...and this video just...stopped?
I redownload this app for one day once every maybe two months and unfortunately I’m rewarded every time
Ive noticed recently that my generation has... no concept of what the various economic classes actually are anymore. I talk to my friends and they genuinely say things like "at least i can afford a middle class lifestyle with this job because i dont need a roommate for my one bedroom apartment" and its like... oughh
You guys, middle class doesnt mean "a stable enough rented roof over your head," it means "a house you bought, a nice car or two, the ability to support a family, and take days off and vacations every year with income to spare for retirement savings and rainy days." If all you have is a rented apartment without a roommate and a used car, you're lower class. That's lower class.
And i cant help but wonder if this is why you get kids on tumblr lumping in doctors and actors into their "eat the rich" rhetoric: economic amnesia has blinded you to what the class divides actually are. The real middle class lifestyle has become so unattainable within a system that relies upon its existence that theyve convinced you that those who can still reach it are the elites while your extreme couponing to afford your groceries is the new normal.
Scavengers Reign (2023)
everyone should be watching this show. i’m so happy it was made; i hope it is a sign of things to come in adult animation
Ditto n this show is amazing, atmospheric, gorgeous. Please give good art support or we may not get more
anyone else have a word they absolutely cannot spell as in no matter how many times you read or write this particular random word your brain just absoltuely will NOT play ball for me its "genius" and "parallel"
restaurant, disappointed. XD
Spooky Eye Tutorial! They could be put on pumpkins, too!
I do wish that "oppositional sexism" was a more commonly known term. It was coined as part of transmisogyny theory, and is defined as the belief that men and women, are distinct, non-overlapping categories that do not share any traits. If gender was a venn diagram, people who believe in oppositional sexism think that "men" and "women" are separate circles that never touch.
The reason I think that it's a useful term is that it helps a lot with articulating exactly why a lot of transphobic people will call a cis man a girl for wearing nail polish, then turn around and call a trans woman a man. Both of those are enforcement of man and woman as non-overlapping social categories. It's also a huge part of homophobia, with many homophobes considering gay people to no longer really belong to their gender because they aren't performing it to their satisfaction.
It's a large part of the reason behind arguments that men and women can't understand each other or be friends, and/or that either men or women are monoliths. If men and women have nothing in common at all, it would be difficult for them to understand each other, and if all men are alike or all women are alike, then it makes sense to treat them all the same. Enforcing this rift is particularly miserable for women and men in close relationships with each other, but is often continued on the basis that "If I'm not a real man/woman, they won't love me anymore."
One common "progressive" form of oppositional sexism is an idea often put as the "divine feminine", that women are special in a way that men will never understand. It's meant to uplift women, but does so in ways that reinforce the idea that men and women are fundamentally different in ways that can never be reconciled or transcended. There's a reason this rhetoric is hugely popular among both tradwifes and radical feminists. It argues that there is something about women that men will never have or know, which is appealing when you are trying to define womanhood in a way that means no man is or ever has been a part of it.
You'll notice that nonbinary people are sharply excluded from the definition. This doesn't mean it doesn't apply to them, it means that oppositional sexism doesn't believe nonbinary people of any kind exist. It's especially rough on multigender people who are both men and women, because the whole idea of it is that men and women are two circles that don't overlap. The idea of them overlapping in one person is fundamentally rejected.
I think it's a very useful term for talking about a lot of the problems that a lot of queer people face when it comes to trying to carve out a place for ourselves in a society that views any deviation from rigid, binary categories as a failure to perform them correctly.
If I can add, oppositional sexism is a cornerstone of evangelicalism and honestly a whole bunch of other forms of Christianity. The idea women and men exist for different tasks is deeply religious but specifically in the US and I assume for the majority of tradwives evangelical/conservative christian dogma. So even when ppl who proport to be somewhere feminist start up divine feminine shit they're regurgitating the same talking points the religious right started doing.
Yep. I believe they refer to it as "Complimentarianism".
unfriendly reminder that when ostensibly trans-positive people online call any feminine display from a man an 'egg moment' and imply that a man would only do woman things like dress up or sing sexy songs or play with dolls, because he was, secretly, actually in fact a woman, this is the exact same oppositional sexism being regurgitated.
like i don't paint my nails because im not really a man, i paint my nails because the decorations you get to put on your body shouldn't be limited to one of two modes.
So I got a furby... #furby #furbytiktok #furby1998 #vintagetoys
And this is my tiktok, so theres that.
Is anyone doing NaNoWriMo this year? Wanna be buddies?? We can share favorite excerpts and gush about fictional characters and stories and make corny book covers. Come play books with me
Yes! I've never done it before but I really want to try this year!
