shelby✨

joshua ♡

[shelby✨ @babyshell23]

@BeccaDevens How happy are you that he won the blockbuster?!?! Crying for you rn

[hunter @hxxntrr]

i pray debt collectors call me

last month one called about a $4,300 medical bill. i let him do his whole speech. then i said six words:

"is this debt past the statute?"

silence

in 38 states, debt expires after 3-7 years. once it passes the statute of limitations, they cannot sue you for it. legally. the debt still exists on paper but they have zero enforcement power

they're calling you hoping you don't know this. because the second you make a payment, even $1, the clock RESETS and they can sue you again for the full amount

that's why they say "just pay $50 to show good faith." that $50 reactivates the entire debt. it's a trap and they know exactly what they're doing

the play when a collector calls:

step 1: say nothing about paying. say this: "please provide written validation of this debt under FDCPA Section 809"

they are legally required to stop all collection activity until they send you written proof. most junk debt buyers can't produce it because they bought your debt in a bundle for 4 cents on the dollar and don't have the original paperwork

step 2: check your state's statute of limitations at your state AG's website. if the debt is past the SOL, send this letter:

"this debt is time-barred under [state] statute of limitations. any attempt to collect or sue is a violation of the FDCPA. cease all contact immediately"

step 3: if it's on your credit report and it's past 7 years, dispute it. "this account exceeds the FCRA 7-year reporting period. remove immediately." bureaus must remove it within 30 days or face $1,000 per violation

i helped someone wipe $23,000 in zombie debt in one afternoon. four letters. zero dollars paid

the collectors who called her every week? gone. the accounts on her credit report dragging her score down 80+ points? deleted. she went from 588 to 691 in 45 days without paying a cent

debt collectors buy your old debt for pennies and try to scare you into paying full price. their entire business model depends on you not knowing your rights

now you know

(link in bio. i delete debt and fix credit scores)

[SZA @sza]

My fourth diamond certification THIS YEAR . THANK YOU GOD and THANK YALL 🫶🏾

[Laura Loomer @LauraLoomer]

Everyone is saying they hope Biden recovers.

He’s not going to recover.

We need to have a conversation about how the media lied to all of us and we had an illegitimate terminally ill occupant of the White House for over a year.

Biden has been terminally ill since July 2024.

We need to accept reality and start investigations. This is the biggest scandal to ever come out of the White House. Who cares about cigars inside a vagina when we are facing fabricated medical records and abuse of an autopen to run cover for a terminally ill man who stole the election.

There is no recovering when you’re terminal.

[Matt Walsh @MattWalshBlog]

This is the most cynical thing I've ever seen in American politics. It's astounding, truly. Biden has stage 4 cancer. There is no way in hell they just caught it now. They knew it, probably for years, and lied to the American people. And then they waited until two days before a book comes out about the cover up of his mental decline so that they could change the subject and quiet all criticism in the name of "compassion" for a sick man. The whole thing is so transparent. These people are evil beyond words.

[Mike DePorch 🇺🇸 @MikeDePorch45]

Wait until the world learns about Dylan Mortensen and Bethany Funke.

I don’t think some of you are ready to learn what you’re going to learn about them over the next 6 months.
#Idaho4
#FreeBryanKohberger

[shelby✨ @babyshell23]

@SF_investigates @ZavGirl1 it’s not a rumor Hannah is married

[Collin Rugg @CollinRugg]

JUST IN: Girlfriend of the Wyoming teen who was stabbed to death while protecting her, breaks down during tribute to him.

Robert 'Bobby' Maher was stabbed to death by two teens at a Wyoming mall who were reportedly stalking his girlfriend.

"I'm sorry for everyone that had to witness that," his girlfriend said during the vigil.

"I want to give a shout out to his family, because I know he loved them so much. Me and Bobby, we had so many plans for the future."

"I never thought I'd be saying all this so early. I also want to thank my family for being there for me, and my dad for giving me a hug at the hospital."

"Bobby would be so proud of everybody."

Dominique Harris and Jarreth Plunkett were arrested for the murder. They are both 15.

They were reportedly charged with first-degree murder and will be tried as adults.

[shelby✨ @babyshell23]

I fucking need you… this is so unfair

[Fox News @FoxNews]

Former 'Real Housewives' star Lauri Peterson’s son Josh Waring dead at 35: 'Every fiber in my body hurts' https://t.co/IBzWuCO11M

[Bravo Taglines @BravoTaglines]

Josh Waring son of Lauri Peterson of #RHOC dead after long battle with addiction. RIP Josh. Praying that everyone will remember your spirit before your struggle. Much love to his family and friends.

[shelby✨ @babyshell23]

my ride or die/best friend/twin flame… my satellite; my everything….
I’m so mad, i'm so sad, I’ll never be okay again….

[Daily Breeze @DailyBreezeNews]

Josh Waring, son of ex-‘Real Housewives’ of OC cast member Lauri Peterson, dead at 35 https://t.co/6w2CqG1xVu

[Robin Bernstein @RobinMBernstein]

I've been thinking about how many people, myself included, responded to Tracy Chapman's performance last night by crying. Why did we cry? What were we crying for? I'll answer my own question below, but I'm curious to hear why other people cried. 1/6

[shelby✨ @babyshell23]

what’s meant to be will always find a way to be… I always knew you were the one and we would eventually find the way back to one another.. @Josh_Waring i love you forever times a million, can’t wait till you’re back home and I’m whole again…. 😍🥰😘

[shelby✨ @babyshell23]

@SF_investigates https://t.co/YXUDgSLbtn this picture of her doesn’t look good /:

[SmlPplAgstBigGov @SPABG2]

👏🏼👏🏼 Well said! 🇺🇸 Open those eyeballs 👀 wide folks…..

#EastPalestine #Ohio

#AmericanChernobyl #ChemicalSpill #TrainDerailment #NorfolkSouthern #NorfolkSouthernDisaster #EnvironmentalDisaster #EastPalestineOH #EastPalestineOhio

[Meghann Cuniff @meghanncuniff]

Avenatti's New York public defenders in the @StormyDaniels case filed more in support of a jury questionnaire last night, and they included charts trying to show how Avenatti has more long-term fame than Lev Parnas. https://t.co/cLrb0M0bWP

[Brian Entin @BrianEntin]

Emotions running high again outside the Laundrie house. This woman flew here from Pennsylvania.

[Sister Helen Prejean @helenprejean]

Spend a few minutes in the criminal justice system and it becomes clear that it is a system of technical rules and regulations that always work against poor and marginalized people. The system has very little to do with actual justice.

[Taylor Armstrong @TaylorArmstrong]

This post gave me chills! I lived it and hope you will never. God bless the family and friends of Gabby Petito - Rest In Peace beautiful girl 💕#stopdomesticviolence