Wtf! afk

[AlphaFox @alphafox]

This pneumatic air compressor adapter allows any air powered tool to be run on battery:

[hunter @hxxntrr]

You're about to pay that $14,000 medical bill

Stop

Don't be fucking stupid

You can get it for free

The hospital violated federal law when they sent you to collections without your signed HIPAA authorization. That authorization is a specific document. Form HHS-329 or the hospital's equivalent privacy notice with your wet signature. The hospital is required under 45 CFR 164.508 to obtain this BEFORE disclosing your protected health information to any third party, including debt collectors

They almost never get it. They batch-sell delinquent accounts to collection agencies in spreadsheets. The spreadsheet has your name, balance, account number, dates of service, and often the diagnosis codes. All of that is protected health information under HIPAA. All of it was transferred without your written consent

Each unauthorized disclosure is a violation worth $100-$50,000 per incident under the HIPAA Enforcement Rule (45 CFR Part 160). For willful neglect: $50,000 per violation with an annual cap of $1.5 million. The hospital knows this. The collector knows this. Neither of them expects you to know this

The 3-letter deletion sequence:

LETTER 1: to the collection agency

"You are in possession of my protected health information as defined under HIPAA, 45 CFR 160.103. Please provide a copy of my signed HIPAA authorization (45 CFR 164.508) that permits you to possess, store, and communicate my medical records and billing information.

If you cannot produce this authorization within 30 days, you are in violation of the HIPAA Privacy Rule, 45 CFR 164.502(a), and I will file a complaint with the HHS Office for Civil Rights and pursue all available remedies including statutory damages."

Send certified mail, return receipt. The collector has 30 days. They don't have the authorization because the hospital never got one. The hospital sold a spreadsheet. The authorization document doesn't exist

LETTER 2: to the hospital billing department

"I am requesting a copy of my signed HIPAA Privacy Authorization (45 CFR 164.508) that specifically authorizes disclosure of my protected health information to [collection agency name]. Please also provide the Business Associate Agreement between [hospital name] and [collection agency name] as required under 45 CFR 164.502(e).

If no valid authorization or BAA exists, the disclosure of my PHI to [collection agency] constitutes a violation of the HIPAA Privacy Rule, enforceable under 42 U.S.C. 1320d-6."

The Business Associate Agreement (BAA) is the contract between the hospital and the collector that governs PHI handling. Under HIPAA, a covered entity (hospital) must have a BAA with any business associate (collector) who handles PHI. Many hospitals use outdated or non-compliant BAAs. Some don't have BAAs at all for their collection vendors. If the BAA is missing or defective, the entire collection is a HIPAA violation from the hospital's side

LETTER 3: to all 3 credit bureaus

"The medical debt reported by [collection agency name], account #[XXX], was disclosed without valid HIPAA authorization as required by 45 CFR 164.508. I have requested proof of authorization from both the collection agency and the original creditor ([hospital name]). Neither has been able to produce it.

This account was reported based on illegally disclosed protected health information and must be removed under FCRA Section 611(a)(1)(A) as inaccurate. Additionally, per the CFPB's medical debt rule effective March 2024, medical debts under $500 should not appear on consumer credit reports."

The CFPB medical debt rule change:

As of March 2024, the three major credit bureaus agreed to remove medical collections under $500 from credit reports entirely. Additionally, paid medical collections are no longer reported. If you settled or paid any medical collection, it should already be removed. If it's still there, dispute it citing the updated policy

For medical debts over $500 that are still reporting: the HIPAA challenge above is your primary weapon. The secondary weapon is the itemized bill challenge (request CPT code breakdown, compare to Medicare rates, dispute inflated charges, apply for 501(r) charity care)

The CFPB has also proposed a rule (expected implementation late 2026) that would remove ALL medical debt from credit reports regardless of amount. If this passes, every medical collection in America gets wiped from credit files. The proposal is in public comment period now

What happens in practice:

The collector receives Letter 1. They search their files for a HIPAA authorization with your signature. They don't have one. They contact the hospital. The hospital doesn't have one either (or has a general "notice of privacy practices" acknowledgment, which is NOT the same as a specific disclosure authorization under 164.508)

The collector has three options: produce the document (they can't), stop collecting and delete (cheapest option), or fight it (expensive and they'll probably lose)

70-80% delete within 30-45 days. They're not going to spend $3,000 in legal review for a $14,000 account they bought for $280

a woman had $67,000 in medical collections across 3 hospitals and 4 collection agencies. we sent all 3 letters to each. hospital 1 couldn't produce the authorization or BAA. their collector deleted within 22 days. hospital 2 produced a "notice of privacy practices" that was not a valid 164.508 authorization. their collector deleted at day 34 after we sent a follow-up citing the specific regulatory distinction. hospital 3's collector tried to verify through the bureau. we had already frozen LexisNexis and SageStream (the shadow verification databases). bureau couldn't verify. deleted at day 41

$67,000 in medical collections. $0 paid. all deleted. score went from 523 to 711 in 58 days. she bought a car at 4.9% instead of the 18% she was quoted the month before. the interest savings on that car loan alone: $6,200 over the loan term

the hospital violated federal privacy law the day they sold your medical records to a collection agency. they're counting on you not knowing. now you know lmfaooo

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

[Japanese food hub @Japanesefoodhub]

The way you salt your steak, depends entirely on the cut.

The cut determines everything. Some benefit from a long dry brine in the fridge overnight. Others don't need it at all.

Getting it right is the difference between getting a good crust or getting a grey, steamed steak 🥩

[W.R. Schock, QBD @iontecs_pemf]

@JasielCTH Silver tequila immediately kiIIs parasites. It works even better with salt and lemon/lime. Now guess why that's the most popular way to take tequila shots.

That's right. 100 yrs ago everyone knew and all foods were antiparasitics; from cocktails to ice cream to even candy & pop.

[Alpha Fitness @_alphafit]

You have been eating Avocado wrongly. Watch this....

[TheMechanicJune2010 @TheMechanic1967]

The Bee Gees vs ACDC 😊🎶

[Natures Core @NaturesCorex]

I bet you didn’t know this 👌

[Massimo @Rainmaker1973]

Salt and water lamps use a metal anode and cathode to generate electricity for LEDs, providing hours of low cost, eco friendly light.

[GP Q @argosaki]

$12.00 => INFINITE WATER
THE FORGOTTEN ENGINEERING TRICK … DO TRY THIS AT HOME ❤️👇👁️‼️✅

[Salty Cracker @SaltyCracker9]

Can you hear us England?

[Meathead "BBQ Hall of Famer, Hedonism Evangelist” @meathead]

This is the way I do it. I buy a whole rib primal, bones in, and butcher it exactly this way. The slab of bones is a meal for two. That rib primal is expensive, but it is actually cheaper than buying the individual steaks.

[Clown World ™ 🤡 @ClownWorld]

Thousands of knights.

One mission.

End pineapple pizza once and for all.

⚔️🍕

[GENO ™️ @Roadhore520]

🚨 Backyard SUMMER just got UPGRADED! 🌊😎
Coleman’s Lazy River is the ultimate new twist on backyard swimming fun — endless floating, zero lines, pure family vibes for the WHOLE crew! ☀️👨‍👩‍👧‍👦
Just in time for the 4th of July fireworks… imagine this in YOUR yard?! 🇺🇸💦

Who’s ready to build their own mini version this weekend? Drop your setup ideas below! 🛠️🔥 (Tag a friend who NEEDS this!)
What are you floating on first? 👇 #LazyRiverGoals #BackyardParadise #FourthOfJulyReady

[Just Rock Content @JustRockContent]

“Fantasy” - Aldo Nova

The song became his biggest success, peaking at #23 on the Billboard Hot 100. The album itself climbed to #8 on the Billboard 200. VH1 later ranked it at #78 on its list of the Greatest Hard Rock Songs. https://t.co/EH3tIGZspp

[Lj Priest (Trader Jill) @RealTraderJill]

Europeans in America for the first time for the World Cup is my absolute favorite content right now!

This Frenchman is hilarious!

[Civilian Tactical @Civ_Tac]

World's Cheapest Body Armor!

[J∅kër Kîng 👑 @j0ker937]

Never in my 52 years of life have I seen things done this way.
If anyone could verify whether this works or not, it would be appreciated.
Thanks.

[GENO ™️ @Roadhore520]

🍠 “My 87-year-old neighbor just dropped potato wisdom that saved me $200 this year…”
She pulled out a plain cardboard box, sprinkled a handful of baking soda like it was gold dust, and whispered, “This is how we kept potatoes through the whole winter back home — no fridge, no chemicals, no sprouting.”
I thought she was joking… until I tried it.
Old-world potato preservation hack:
1. Place your potatoes in a cardboard box (breathable = key)
2. Generously dust them with baking soda
3. Tuck the box away in a cool, dark place (closet, pantry, under the bed)
4. Watch them stay firm and sprout-free for months
No more mushy potatoes. No more throwing away half the bag. Just simple, forgotten knowledge from a generation that didn’t waste a single thing.
Who else is bringing back grandma’s tricks in 2026? Drop a 🥔 if you’re trying this!
Save this before your next grocery run. Your wallet (and your potatoes) will thank you. ❤️

[Paul White Gold Eagle @PaulGoldEagle]

Doing things the "old fashioned way " is usually best for our health.

[CHARLES @Ikcharles90]

The healthier homemade ketchup