meow

[Brendan M. Jones 🇺🇸 @brendanmjones]

Hard to believe it has been a month since the #SaveLucy fight ended and we got Lucy back. We have done so much since then, but it feels like yesterday.

On her first full day back, we celebrated our oldest son's 11th birthday. Now, on the one month mark of her release, we celebrate our oldest daughter's eighth birthday.

Time goes by too fast sometimes. At least it does to me, watching my kids grow up and my dogs grow old.

Time does not negotiate.

@Herb_Minstrel

[Niall Harbison @NiallHarbison]

Stormzy has been with his family 6 months after recovering from a major brain injury.

His parents threw him a party today at it is just everything ❤️

[Larry Cook @stopvaccinating]

The Henry Ford Vax vs. Unvax Study with over 18,000 children was so damning that the pro vaccine researchers refused to publish it due to backlash concerns. Now you know why…

[Sandy @HarrieM]

@NiallHarbison Niall if anyone doubted your decision to initially save Rocky & then put him up for adoption,they only need to see him in his forever home. Definitely the best decision for him,he already looks like he belongs there.Rocky the comeback
King, down but never out❤️❤️

[hunter @hxxntrr]

I pray a debt collector goes silent on me

Every time they fail to respond to my validation letter within 30 days, they legally kill their own debt. I don't argue with them. I don't negotiate. I make them prove it, and when they can't, their silence becomes the weapon that deletes everything

Last month one went quiet on a $4,200 balance. I sent two letters. Deleted in 3 weeks. They had nothing because there was nothing to have

Here's the mechanism that makes this work, and it's the single most underused tool in consumer law

When you stop paying a credit card, the bank doesn't chase you forever. After about 180 days they give up, write the balance off, take a tax deduction, and sell your account in a massive bundle to a debt buyer for 2 to 4 cents on the dollar. That debt buyer gets a SPREADSHEET. A row in a CSV file with your name, a number, and a balance. They do NOT get the original signed credit card agreement. They do NOT get the complete payment history. They do NOT get the documented chain of title proving the debt legally transferred to them. They get a spreadsheet and the right to try and collect

So when you demand they PROVE the debt is real, prove they own it, prove you owe it, prove the amount is accurate, most of them physically cannot do it. They don't have the documents because the documents were never part of the sale. And instead of admitting "we have nothing," they go silent and hope you get scared and forget

That silence is not them being strategic. It's them having nothing. And you turn their nothing into your deletion

Here's the exact sequence, step by step:

Step 1: the SECOND a collector contacts you, do NOT pay a single dollar, do NOT admit the debt is yours, do NOT agree to a payment plan, do NOT confirm your identity beyond what's necessary. Any of those can waive your rights or restart a clock. Everything from this point forward happens in writing, by certified mail, with a return receipt so you have proof of every date

Step 2: send a written debt validation request within 30 days of their first contact. Use this exact language: "I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. Provide the following: the original signed agreement between me and the original creditor, the complete payment history from the original creditor showing every transaction, the name and address of the original creditor, proof of your legal ownership or assignment of this specific account, and a copy of your state collection license. Until you provide full validation, cease all collection activity and communication"

Step 3: they are now legally required to STOP all collection activity until they validate. No calls, no letters, no reporting. If they keep collecting without validating, every contact after your letter is a fresh FDCPA violation worth up to $1,000. Document any contact they make after your letter, it's money

Step 4: wait 30 days. If they respond with a generic computer-printed statement showing a balance, that is NOT validation. A statement is not a signed agreement. A balance printout is not proof of ownership. Reply: "Your response does not satisfy the validation requirements of 15 USC 1692g. You have provided no original signed agreement, no complete payment history from the original creditor, and no proof of ownership. I consider this debt disputed and unvalidated. Cease collection and delete from all credit reporting"

Step 5: if they go completely silent and don't respond at all within 30 days, send the estoppel letter: "You have failed to validate this alleged debt within a reasonable time as required under the FDCPA. Your failure to respond after a proper validation request constitutes your tacit agreement that this debt is invalid, unverifiable, and uncollectable. I demand immediate deletion of this account from Experian, Equifax, and TransUnion, and permanent cessation of all collection activity. Any further attempt to collect or report will be treated as a willful violation and I will pursue all available remedies"

Step 6: dispute the item directly with all three credit bureaus, noting that the collector failed to validate after a formal written request. Include a copy of your validation letter and the certified mail receipt proving they received it. An unverified debt that a collector has gone silent on cannot survive a properly documented dispute

Step 7: keep EVERYTHING in a physical folder. Every letter you sent, every green return receipt card, every response (or non-response documented by date), every dispute confirmation from the bureaus. This paper trail is your proof if they ever try to bring the debt back, sell it to another collector, or re-report it

A guy I know got contacted on a $4,200 collection that had been sold twice. The current holder was a bottom-tier debt buyer running an operation out of a strip mall. He sent the validation letter on day one, certified mail, return receipt. Got nothing back for 40 days. Sent the estoppel letter. Disputed with all three bureaus citing the failure to validate. Deleted from all three in under 3 weeks, because the buyer never had a single document connecting them to his specific account

Read that again. Their silence didn't make the debt stronger. It's the exact thing that made it disappear, because silence is what people do when they have nothing, and the law says nothing means deleted

The entire collections industry runs on one bet: that you'll be too scared or confused to make them prove it. Most people pay debts they don't even legally owe anymore because the phone call was scary. You don't have to out-yell a collector. You have to make them prove it on paper, and most of them are holding a spreadsheet and a prayer lmfaooo

(i fix credit in 30-90 days. link in bio)

[Dr Russell McGregor @KillAuDeepState]

This is the third time Elon has posted this video in the past week.

He obviously feels it is VERY important for America to see it.

[Massimo @Rainmaker1973]

If animals could talk, the world would be filled with tears… And perhaps also with shame.

[OneSmallVoice 🇺🇸🇺🇸🇺🇸 @onesmallvoice]

Please everyone do not give up until we get Snuggles home! This is a nightmare for this family and it could be you. #SaveSnuggles is a movement, it’s for this family. This family is a veteran family! Let’s get Snuggles home! @JenniferEvn22

[Niall Harbison @NiallHarbison]

Myself and the team have been working flat out on Espresso Martini for 3 weeks since she got poisoned and lost all power in her body. I have to say I started doubting.

I was wrong. Look at her at the end here. She’s UP again!!!

[meow @PowersSherri]

He is stunning:;)

[Happy Doggo Thailand @happydoggothai]

สองอาทิตย์ที่เเล้วเราไปเจอร๊อดถูกทิ้งไม่มีคนดูเเลสุขภาพทั้งร่างกายเเละจิตใจตกต่ำสุดๆ

วันนี้ถึงร่างกายจะยังไม่ฟื้นตัวเต็มที่เเต่บอกได้เต็มปากว่าตอนนี้ร๊อดมีความสุขมากกว่าเดิมมากๆเลย❤️🐶

[skymeds store | Online Ivermectin Pharmacy @skymeds_store]

I just had to share this. 🙌
My mom had this nasty spot on her nose. Skin cancer (SBCC). It kept getting worse.

They gave her Aldara cream – $650 out of our pocket. It barely helped.

I called my sister – she had Ivermectin cream prescribed for my nephew. She sent it to me.

Day 1:
I put it on her nose myself. The nursing home staff looked at me sideways. I didn't care.

Day 2:
I went back the next morning and couldn't believe my eyes.

The redness had already calmed down. The crusty spot was shrinking. It was like night and day.

I took a picture. Compared it to the day before. I almost cried.

Day 5:
Completely gone.

Just like that. A $250 tube of Ivermectin cream did what the $650 prescription couldn't.

Her nose is smooth. Clear. Like nothing was ever there.

Mom's doctor?
He was impressed. Couldn't believe it. He actually ordered a tube for the nurses to use if any other lesions pop up.

Ivermectin isn't just for parasites.
It's for skin cancer. For rosacea. For stubborn fungal infections. For all kinds of things the system won't tell you about.

Liquid. Paste. Pills. They all have their place.

I'm so grateful my mom is close by.
I can go in, monitor her, and be her advocate.

Some doctors don't recognize Ivermectin for skin cancer. But I knew it was worth a shot.

And here we are.

Praise The Lord. 🙏

[Łitecoin Bull | The News Before The News! @litecoin_bull]

Hello Fake News. You refused to adhere to the MEDIA ANONS. Aussie CRIME-MINISTER is in deep shit.

The Aussie Priminister is going to go promptly disappeared. You heard it first here.

White Hats found over $60 million routed to nine senior Australian ministers for the purpose of destroying Australian domestic farming to create inflation (2) Plan to block the coming Currency Reset, (3) Set Military guns, and violence on Australian citizens for no reason. They are criminals.

[Łitecoin Bull | The News Before The News! @litecoin_bull]

The Deep State is in total panic. Their empire is crumbling. Do you think we care. Do you think we give two shits. Answer. No. 😂 #BridgingYears.

[Niall Harbison @NiallHarbison]

Sienna is out In the fields of Wales.

I took her on many walks here in Thailand when she was recovering and never saw this level of joy.

She knows she is home ❤️

[meow @PowersSherri]

I love it!

[Misty Clance 💎 @mistclance]

We are begging big & small accounts to PLEASE SHARE and help this Vets family get their beloved dog back!
Pima county is holding this dog for ransom
@catturd2
@mattvanswol
@mrddmia
@4thOfJuly365
@elonmusk
@CollinRugg
@RealJamesWoods
@genesimmons
@LaraLeaTrump

[Maple 🐕 🎹 🎸 💙 @mapleveewesem]

🆘️💔🆘️ A handsome Golden Retriever should never be waiting in a high kill shelter. 6 yo MARBLES is at Deadly Devore in San Bernardino County #California. Please help him be seen for a #SoCal forever or foster home 🙏 info 🔽 #A846284

[USA1776Bos @asalp1278]

God bless you and the work you do. I signed up a couple weeks ago to support Happy Doggo with a recurring monthly donation, and I encourage everyone who follows you or sees this to do the same. These brave, sweet dogs deserve love and care. In a world full of horrors over which we have no control, this is a wonderful way to do something positive and to save lives in the process.

[Niall Harbison @NiallHarbison]

It’s time for a huge sleep in a comfy bed.

Had my friend not spotted him today that was probably his last day on earth.

Let’s see what we can do for the big guy 🙏 (7/7)