Bea (Royal Expert)

Be kind always

[Meidas_Charise Lee @charise_lee]

I wanna be invited to an elephant birthday party. This is like heaven.

[World's Amazing Things @Hana_b30]

It refuses to die after being cut down and bears fruit as a sign of victory..🥭 🌱

[Bea (Royal Expert) @beay777]

@1983Ccrides @LiamEvergreen Seek help

[Liam @LiamEvergreen]

😡 Unacceptable!
Florida Instacart delivery woman Kiah Lowery arrested for slapping a struggling child who was forced to carry heavy water bottles. A neighbor’s doorbell camera caught it all.
Child abuse has no place anywhere. Justice for the kid. Protect children! 🙏

[Restoring Your Faith in Humanity @HumanityChad]

Animals are a great example of how the world should be.

[Black, Blessed & Unbothered @MelanatedTalk]

This is great parenting!
👇🏾👇🏾👇🏾
Summer break? We call it training season. 🛠️👦🏾👦🏾👦🏾
These boys are learning that everything we built — we built FOR them. Now it’s time to show them HOW. 🙌🏾🛠️
#BlackCulture
#BlackFamily
#BlackSuccess

[Black, Blessed & Unbothered @MelanatedTalk]

Imagine escaping for a romantic weekend where the two of you can unwind in your own private wood-fired hot tub surrounded by nothing but trees, stars, and silence. 🔥🌲
(I hope he never sells!)
#BlackBusiness
#BlackExcellence
#BlackPeace
#BlackLegacy

[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)

[Meidas_Charise Lee @charise_lee]

Discovering new American flavors

[Black, Blessed & Unbothered @MelanatedTalk]

This young king said he wanted to make his father proud. This video is priceless! And I bet those steaks and burgers were delicious! Find him on IG:
chef_karter
#BlackBoys
#FathersDay
#BlackMen
#BlackFamily

[Restoring Your Faith in Humanity @HumanityChad]

This video made me smile today 💖

[Matthew & Becky Livingstone @BeLivingstones]

@LynneBP_294 Hey @united - Can you get this video to “that” woman - hero - compassionate soul? Please. And while you’re at it - Why not throw in a voucher or two. Compassionate passengers deserve our gratitude and more. They make all the difference. Thank you for listening. God bless!

[Restoring Your Faith in Humanity @HumanityChad]

I’m dying over these kids dream jobs

[Blk & Missing FDN @BAM_FI]

GREAT NEWS to start the day! According to her mother, Jewe’l has been found safe.

Thank you all for sharing her profile. 🧡

[Blk & Missing FDN @BAM_FI]

More GREAT NEWS! Mikayla has been found.

Thank you all for sharing her profile. 🧡

[Positive Side of 𝕏 @positivesideofx]

Never pass up a kid’s lemonade stand. and if you tip generously like this gentleman, that’s even better. ❤️

🎥: thad.chino on TT.

[AVWEROSUOGHENE @Akinjoshua2017]

The pain in her voice kills me🥺

[Blk & Missing FDN @BAM_FI]

GREAT NEWS! According to loved ones, Raegan has been found safe.

Thank you all for sharing her profile. 🧡

[Restoring Your Faith in Humanity @HumanityChad]

Kim Hwang-tae, who has no arms, is helped by his wife as he gears up for the cycling leg of the triathlon

[IG: olesoul57.2 ♉️ 5/12 @olesoul57_2]

Some people just have to learn the hard way 😮‍💨