rat

22♑
I wanna get high

[Peque @pequeartist]

Anyone?

#ukatake #haikyuu

[Peque @pequeartist]

Rise and shine
#ukatake #haikyuu

[Natsuki @youknowmearound]

ABSOLUTE CINEMA 💔

[𐙚⋆°｡⋆♡ lor + lover 𐙚⋆°｡⋆♡ @loroverbl]

when the bl is so good i stop midway and start talking to myself about it

[kay’s archive 🔞 @sugarfemdom]

https://t.co/wANFKb7eAL

[墨 @INK_cmcm]

#ゾロサン #zosan 两个没羞没躁的家伙

[Raph @raphodraws]

Reunion

#lulaw #lawlu

[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)

[rat @jayissleeepy]

The 2nd Global ONE PIECE Character Popularity Contest

I voted for “BROOK”!
https://t.co/Eozc6iZkdi

#ONEPIECE #ONEPIECE_WT100

[Jaz is tired @jazz_bunnies]

SCREAMING HUALIAN’S UNDERWATER KISS SCENE WAS ANIMATED 😭😭😭

[都都菜dou @sweetdou3_]

🔞zosan

[Judas @JudasUndisputed]

One Piece is far better than any anime you can think of

Its not even a debate

[leaf 🍃 @littleleafbun]

this wasn't why he saved you, Sanji 😳

[rat @jayissleeepy]

@daumenxyz i have some debt so this would be awesome

[Suzie rizzio @Suzierizzo1]

OMG the Cincinnati Children’s hospital Pastor speaks after being detained for 73 days by ICE and he is a legal U.S citizen & they knew it when they took him & they’ve known it for all 73 days! He said the there are a lot of people in there that are U.S citizens & no crimes ever!

[Bunsie⁷ the plot bunny @Funky_bunsie]

This is the smile of someone who definitely fucked his enemy's brother and did it well

[biru 🌸 iltae au on 📌 @woowonx]

baek eunsan dont test him like that😭