outtatown shawty

[AoverK @AoverK]

This is huge news on the tokenized asset front.

I’ve worked with Continental Stock Transfer and Securitize.

This partnership will help growth the ability to issue, acquire and manage assets.

[MASTER STUDENT🤲🏾 @MUSICANDBUILDS]

I SAID THIS YEARS AGO

TODAYS RAP FANS HAVE BEEN BRAINWASHED TO SEE RAP
FROM THE PERSPECTIVE OF A LABEL
INSTEAD OF THE PERSPECTIVE OF A
RAP FAN

SO THEY FOCUS ON NUMBERS AND SALES ETC

OR THEY HAVE BEEN BRANDED TO SEE
RAP FROM THE PERSPECTIVE OF
LOVE AND HIP HOP

“WHOS DATING WHO”
“WHAT KIND OF CAR YOU DRIVE”
ETC

[Torraine Walker @TorraineWalker]

If we can get more of our academics to get back to this mentality we'll be a lot better off.

[tee @fienixtaranova]

This is my favorite person to watch on YouTube next to Alicia Invests.

[Ian Jakovan Dunlap @_masterinvestor]

Facts

[Symoné B. Beez @SymoneBeez]

This is a fact. If you make less than 60k you can figure out how to triple your income.

Even at 200k you probably can double your income depending on your field.

[Truth Seeker @vikki0164]

The Conspiracy Theory of Everything

[Ian Jakovan Dunlap @_masterinvestor]

The pick and roll is magic lol
Shout to all of yall who do this

[hunter @hxxntrr]

A debt collector just sued your neighbor for a $3,200 credit card from 2017

The debt expired 2 years ago. The lawsuit is legally unenforceable. The collector knows this. They filed it anyway because 94% of people don't show up to court

When you don't show up the judge enters a default judgment. Now the collector can garnish your wages on a debt that was legally dead before they ever filed the paperwork

This is the single most profitable scam in the collection industry. Sue on expired debt. Wait for no-shows. Collect forever

Every state has a statute of limitations on consumer debt. After that window closes the collector can still ASK you to pay but they cannot SUE you for it. The debt is legally time-barred

State-by-state SOL on credit card debt:

3 years: Alabama, Alaska, Arizona, DC, Indiana, Maryland, Mississippi, Montana, New Hampshire, North Carolina, South Carolina, Virginia
4 years: California, Colorado, Delaware, Georgia, New York, Pennsylvania, Texas, Utah
5 years: Florida, Idaho, Kansas, Maine, Michigan, Minnesota, Nebraska, Nevada, New Mexico, Oregon, South Dakota, Washington, Wisconsin, Wyoming
6 years: Connecticut, Hawaii, Illinois, Iowa, Louisiana, Massachusetts, Missouri, New Jersey, North Dakota, Ohio, Oklahoma, Tennessee, Vermont, West Virginia, Arkansas

After the SOL passes, if a collector sues you, your ONLY job is showing up to court and saying 5 words:

"The statute of limitations expired"

Case dismissed. The collector eats the filing fee. The judgment never enters. Your wages stay in your bank account

But 94% of defendants in collection lawsuits don't show up. They get the court summons, panic, and do nothing. Default judgment. Wage garnishment. Bank levy. On a debt the collector couldn't legally enforce if the defendant had shown up for 11 minutes

The deeper play:

If a collector SUES you on time-barred debt, they just violated the FDCPA. Section 807 prohibits "unfair or unconscionable means to collect a debt." Filing a lawsuit on expired debt is a violation in most federal circuits. You can countersue for $1,000 in statutory damages plus attorney fees plus actual damages

A guy in Texas got sued on a $4,100 Capital One card from 2016. Texas SOL is 4 years. The suit was filed in 2023, 7 years after last activity. He showed up, filed an answer citing the expired SOL, and filed a counterclaim for FDCPA violation

Original lawsuit: dismissed
Counterclaim: settled for $3,200 plus attorney fees
Net result: he MADE money from a debt collector trying to collect a dead debt

The critical rule: NEVER make a payment on time-barred debt. In many states, a single payment of any amount restarts the statute of limitations clock. The collector calls and says "just pay $50 to show good faith." That $50 resets the SOL and gives them a fresh 3 to 6 years to sue you. They know this. You didn't

Never acknowledge the debt in writing either. In some states, written acknowledgment can also restart the clock. When a collector calls about old debt, the response is:

"I am not acknowledging this debt. What is the date of last activity on this account?"

If the date of last activity plus your state's SOL has passed, the debt is dead. Hang up. Send a cease letter under FDCPA 805(c). If they sue anyway, show up, cite the SOL, and countersue

A woman in Florida had $23,000 in collections from 3 accounts, all from 2017 and 2018. Florida SOL is 5 years. All 3 were time-barred by 2023. Two of the collectors had already filed lawsuits. She showed up to both, filed SOL defenses, both dismissed

Then we disputed all 3 with the bureaus: "This account is past the statute of limitations in my state. The continued reporting of time-barred debt is inaccurate and misleading"

Two of the three deleted within 30 days. The third required a CFPB complaint. Deleted at day 52

$23,000 in collections. $0 paid. All 3 removed from her report. Score went from 578 to 694

The collectors are suing people on dead debt because they know you won't show up to court. Show up. Say 5 words. Walk out with your money lmfaooo

(i fix credit in 30-90 days. link in bio)

[Tarsha ☀️🌛✨ @TruthSeeker4u2]

Black American History………

[🚫👁️Drinks on Saturday🇺🇸 @drinkonsaturday]

Were any of you taught this?

[AYO💡💡 @sepril23NG]

Here are two very effective ways to recover deleted pictures (including those deleted from “recently deleted” ) from your phone and you can also delete them permanently

[Abdulsamad @richtosho]

Did you know Claude can do this?