Before you pass away, remove your kids as direct beneficiaries of your assets. Instead, place all your assets in a revocable trust and name your kids as beneficiaries of the trust. This allows them to bypass the lengthy probate process and gain immediate access to the assets.
i pray debt collectors call me
seriously
every call is worth $1,000
they don't know i know the law:
- call before 8am? $1K violation
- call after 9pm? $1K violation
- call after i said stop? $1K violation
- call my employer? $1K violation
- threaten arrest? $5K violation
i don't block them
i record them
then i send a demand letter
"you violated FDCPA section 805(a)(1)
pay me $3K or we go to federal court"
they settle for $1,500 to make me go away
last year i made $18K from debt collectors
who were trying to collect $6K
i turned my debt into income
become the hunter, not the hunted
here's the exact demand letter template:
[CERTIFIED MAIL - RETURN RECEIPT]
[Collection Agency]
[Address]
Re: Account #[XXX]
FDCPA Violations - Demand for Payment
Dear [Agency],
This letter serves as formal notice of your violations of the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692.
Documented Violations:
1. [Date] at [Time]: Called before 8:00 AM
Violation: 15 USC 1692c(a)(1)
Statutory Damages: $1,000
2. [Date] at [Time]: Called after cease request
Violation: 15 USC 1692c(c)
Statutory Damages: $1,000
3. [Date]: Threatened legal action without intent
Violation: 15 USC 1692e(5)
Statutory Damages: $1,000
Total Statutory Damages: $3,000
Plus actual damages, attorney fees, and court costs
I have recorded all calls and maintained detailed logs.
Settlement Offer:
To avoid litigation, I will accept $1,500 as payment in full for these violations and deletion of the alleged debt from all credit reports.
You have 15 days to respond before I file suit in federal court.
I am also filing complaints with:
- CFPB
- State Attorney General
- FTC
- BBB
Sincerely,
[Your name]
The secret sauce:
- Always mention attorney fees (they panic)
- Reference specific USC codes (shows you're serious)
- Give them an out for less than maximum (they'll take it)
They buy debt for 2 cents on the dollar
Paying you $1,500 to go away is cheaper than court
My record: $4,500 from one agency
They called my mom (big mistake)
You are not a victim
You are an opportunity
Let them violate
Then get paid
Collections ruining your life? We delete everything in 30-90 days
DM me "CREDIT"
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Link in bio โ Evasion Capital
Updated Playbooks Cheat Sheet | Madden 26 ๐จ
Here's all of the new plays/formations added to the game today.
Feel free to save this image so you can check everything out the next time you boot up.
The Best Coin Method of Madden 26...
boys, this IS NOT CLICKBAIT. this is insane profit. go do NOW!
also... feel free to like, follow, rt, bookmark and even ask questions!
Traunts get it done. โ
For KILLING your community challenge and completing 571,670 Contracts, enjoy this SHiFT code for Harlowe's "Maliwannabee" skin, inspired by her character short "Family Reunion."
J96JT-BCXKT-C6JJ5-JTJBB-BZTXJ
Exp. Dec. 31, 2030