Alchemist

Some Guy On A Adventure involving Nerd Stuff And Things

[Alchemist @MrAlchemist41]

@DisTrackers Group 7 for MOG idk how the hell I got lucky

[Alchemist @MrAlchemist41]

@DisTrackers Does anyone know if it's sold out

[Alchemist @MrAlchemist41]

@DisTrackers Bruh

[Alchemist @MrAlchemist41]

@DisTrackers Lol this is what I'm getting

[Alchemist @MrAlchemist41]

@DisTrackers Your blood and social would be nice 😆😆

[Alchemist @MrAlchemist41]

@DisTrackers Ah gotcha appreciate you good sir

[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)

[kristina. @cosmepolitics]

Did ya’ll know Erika Kirk is banned from Romania because her Evangelical group was accused of trafficking children out of Romanian villages?

Birds of a feather I suppose.

[Alchemist @MrAlchemist41]

@DisTrackers So how do we redeem if we have the points?

[Sunsun Girly @sunsungirly]

Jeanine Pirro named as U.S Attorney the District of Columbia, Washington, D.C.

[Ariel Mardkhai @arielmard]

Finally found the Shane Gillis full espys monologue on TikTok

[🐝 Bee 🐝 @SavinTheBees]

Got a mythical pull on my fyp

[Aaron Pilkington @PilkGolf]

Shane Gillis full monologue

What’s the funniest joke?

[BrooklynDad_Defiant!☮️ @mmpadellan]

trump, Stephen Miller, and Tom Homan are FURIOUS about this ICEBlock app, which informs folks where ICE is operating.

So you definitely shouldn't RT this like crazy, because it would make trump even madder.

[Helldivers NOW @Helldivers_NOW]

#Helldivers2 | #Helldivers

THIS IS FU*KING PEAK 😭😭😭

by EndosTV

[Alchemist @MrAlchemist41]

@DisTrackers Ew I ain't signing up for there shit

[The Daily Show @TheDailyShow]

Trump is taking money from the Middle East and 2016 Trump is PISSED