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mostlysignssomeportents · 1 year ago

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Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

#pluralistic #jubilee #debts that cant be paid wont be paid #Patrick McKenzie #patio11 #bits about money #debt #debt collection #do not pay #bottom feeders #Fair Debt Collection Practices Act #fdcpa #finance #armbreakers

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petnews2day · 1 year ago

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Embracing Flexible Payment Options: A Game Changer for Your Dog Grooming Business

New Post has been published on https://petn.ws/qhKYT

Embracing Flexible Payment Options: A Game Changer for Your Dog Grooming Business

Introduction In an age where the cost of living is continuously increasing, businesses need to adjust to satisfy the requirements of their consumers. One market that has actually seen a substantial shift in customer behaviour is the dog grooming sector. As dog owners face their monetary commitments, they are looking for more versatile payment choices […]

See full article at https://petn.ws/qhKYT #PetBusinessGuides #Business, #Changer, #Dog, #Embracing, #Flexible, #For, #Game, #Grooming, #Guides, #News, #Options, #Payment, #Pet, #Your

#business #changer #dog #embracing #flexible #for #game #grooming #guides #news #options #payment #pet #your #Pet Business Guides

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glitches-and-bugs · 5 months ago

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Oh No

PLEASE STOP SCROLLING

I am in Huge Danger. I can't afford ANYTHING. I'm sorry I keep making posts like this I thought I was fine this time and apparently I'm very fucked.

I'm a transmasc disabled autistic person and I am in need of serious help.

P*yp*l

Kofi

DM me for other payment options.

If you want commission info, also DM me I'm very desperate and flexible. SFW and otherwise.

Even if you can't donate, reblog!! Anything helps!

#important #dev log #transgender #autistic #please help

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fuckyeahgoodomens · 7 months ago

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The PledgeManager has launched!

Thank you for bearing with us. We’re happy to say that, as promised, the PledgeManager has officially launched!

In case you missed it, we detailed earlier this week that the publication of the graphic novel has been pushed back from its original July 2024 estimate into Spring 2025 - you can read the full update here. We also want to take a moment to say that we have seen the outpouring of love and support on Kickstarter, and across various platforms, wishing Colleen well in her recovery and the time needed for the graphic novel - a huge thank you from all of the team for your understanding and patience, and for the genuine community and care we’ve seen these past few days. We appreciate you all.

PledgeManager

With this in mind, we think it’s important to underline: though PledgeManager has launched, you do not need to pay for your shipping fees immediately.

The PledgeManager is there for those who missed the campaign to order the graphic novel, and indeed for any backers who would like to upgrade, get some other add-ons, or the new items. You, as a pre-existing backer, should receive an email with information via Kickstarter and/or PledgeManager to inform you that this is now open to you - note, these are sent in waves of smaller batches, so if you don't get yours immediately, don't panic! It will likely take between 12-18 hours to process all the backers.

You are, of course, welcome to pay your shipping right away if you'd like, however we completely understand that you may want to wait until closer to the fulfilment time, or when more solid dates are confirmed, before actioning this.

For this stage, we have compiled a quick FAQ below covering some key questions:

Will the whole project be moving from Kickstarter to PledgeManager? No. This is just for the fulfilment side and logistics - all updates will still remain here.

Do PledgeManager backers get everything that Kickstarter backers do? No. While the remaining tiers will be made available for those who missed it, with certain stretch goals (e.g. additions to the book, loot boxes, etc), Kickstarter backers have a number of exclusives such as the Good Omens HQ discount code for when the store launches, and the backers only events.

My PledgeManager address will be different to what is listed on my Kickstarter. Is that fine? Yes. We are handling all logistics through PledgeManager and, as such, that is the only place where we will need your address. If you move or need to change any details, that will be the place to do so.

Can I change my address? Yes. You can update your address until we are at the shipping stage. We will keep this option open for as long as possible to ensure maximum flexibility around this.

How are shipping fees calculated? It is based on both weight and the country it is being sent to. We have been working over the past months to streamline processes and bring the costs down from their original starting point.

Do I have to pay just now? You do not need to pay immediately, but payment will need to be made prior to your items being shipped. You now have a bigger window during which you can make payment. As above, we will keep updating you on the progression of the publication schedule, should you be waiting for firmer dates before doing so.

What about taxes and import duty? UK: VAT is included in the costs UK backers pay, there should be no extra tax charges. US: We believe (but cannot guarantee) that imports under $800USD in value should not attract import duty, those pledges above may be taxed at import. EU & REST OF THE WORLD: If taxes or duties apply to your pledge, these will need to be paid at time of import into your country. We’ve spent months trying to integrate the costs at this stage, but in having the project open across the globe, it has proven too complex to be able to fully refine and cover all instances and locations, and we’ve been advised that this is the best route forward. We know a lot of international backers, particularly in the EU – for example – will already be used to this process, and we will keep you all updated on any developments on this front. For all of our backers, we are working hard to make labelling and declaring all of the contents of your pledges as transparent as possible, in order to make taxing and importing as easy and affordable as possible.

I want to buy the new items, but am waiting to pay shipping. Are they limited? The pins, mugs, notebooks - all the new items specifically added to the PledgeManager are not limited and will be available regardless of whether you get them now, or months down the road. The only limited items are the remaining tiers that have moved over from the Kickstarter (e.g. the Obsidian Tier) that were limited to begin with, and a very limited run of the Alien Parking ticket. Everything else is fully available, in perpetuity.

Will you be adding extra items to the PledgeManager? No. What is there at launch is all we plan to include at this point - any new items afterwards will instead originate via the Good Omens HQ store.

Will Kickstarter backers get items first? Yes. We will have a staggered approach for fulfilment: Kickstarter backers, then PledgeManager, then everything that is moving to the Good Omens HQ store will subsequently be made available.

You can also view the more general PledgeManager FAQ at terrypratchett.com.

We will keep PledgeManager and logistical notes present in all the monthly updates going forward, but felt this warranted a dedicated one-off.

These are available as part of the PledgeManager. Another beauty from our pin designer, Carl Sutton.

Thanks again for your patience. Back in the April monthly update.

In short: :)

The Good Omens Pledge Manager has launched:

those who missed the Graphic Novel Kickstarter: Now you can order the Graphic novel, not all things that were in the original Kicstarter are available but there is stil a lot of options and fuckton of lovely ineffable add-ons! :)<3

those who participated inthe original GO GN Kickstarter: you should an email (Dunmanifestin needs more information to fulfill your reward) with a link that logs you (if not log manually) into the pledgemanager and lets you edit the order (add new add ons) (yep, my wallet weeps :D<3)

The addons:

I mean... how can one resist for example these I do not know... :D

#good omens graphic novel #good omens #graphic novel #graphic novel kickstarter #merchandise #good omens merchandise #wahoo!

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beingjellybeans · 1 year ago

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Solane LPG Joins Forces with GCash for Seamless Payment Solutions

In an effort to bolster access to safe and quality liquefied petroleum gas (LPG) products across the Philippines, trusted LPG brand Solane has forged a strategic partnership with GCash, the leading finance superapp. This collaboration aims to provide Solane LPG users with flexible payment options and enhance the accessibility of clean cooking fuel. Bridging the Gap in Cooking Fuel…

View On WordPress

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risestarkiss · 5 months ago

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Huge changes are coming to my Rise Ramblings…

Hey yooo!

So as the title suggests, there will be some major changes to the RiseStarKiss blog going forward.

The full explanation is below but I also included a TLDR version at the end of the post.

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Instead of continuing to post my long form “Rise Ramblings” on Tumblr, I’ll be taking them to the small screen…In other words, my larger Rise Ramblings will be in video format from now on. I also want to go back and adapt my older/more popular Rise Ramblings to video as well.

And for that reason, I’m starting a YouTube Channel!

As a more detailed explanation, I’ve found that creating the long form posts on Tumblr just doesn’t allow for the freedom and flexibility that I need to fully express myself. Even in my older posts I had to leave so much content on the chopping block in order to facilitate readability.

But not anymore!

So, what is the plan?

Well for starters, my channel, RiseStarKissStudios, is now live.

Also, I plan on creating ONLY Rise of the TMNT content on this channel.

Why? Mainly because from what I’ve seen, usually when Rise is addressed by large channels it’s generally looked down upon. Other than that, Rise is ignored completely!

*tsk* So I’m going to give ROTTMNT the spotlight it deserves.

😒💅

But I can’t do it alone…

That’s where you come in.

All I ask is for your support and patience.

Support comes in the form of:

• Heart and Reblog this post • Subscribe to the channel and Hit the Bell to be alerted to when videos drop • Spread the word about my channel and the amazing ROTTMNT content I’ll be creating there

And lastly, if you are so inclined, you can support my Kofi.

I’ve added better payment methods and monthly contribution options.

As thanks, the username of every monthly contributor will appear at the end of my YouTube videos as a part of the “Mad Dogs!”

It’s the least I can do. 😣😌💜

Also, the reason I ask for your patience is because I’ll be writing, editing, and creating the content all on my own, as well as continuing my “Don the Fashionista” comics in tandem. I also am writing/composing the music for the Rise Rambling series, of which is all Rise inspired.

I know it will be a lot of work, nonetheless, I’m excited for this new frontier, and if things go even slightly to plan, my best ROTTMNT content is yet to come…

So, let’s have some fun, shall we?

❤️🧡💙💜

○○○○

Here’s the TLDR!

This is my brand new YouTube Channel, RiseStarKissStudios, that will be Rise Content Exclusive!

Subscribe & Hit the Bell so you don’t miss a video!

Reblog this post to show support and spread the word!

Support my Kofi if you are so inclined.

Let’s have some fun with Rise, shall we?

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jesperweidemann · 2 months ago

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Top 5 Writing Applications for Worldbuilding and Complex Story Planning

In the realm of creative writing, particularly when it comes to worldbuilding and complex story planning, having the right tools can make a significant difference. Writers often find themselves juggling multiple characters, intricate plots, and expansive settings. To manage these elements effectively, specialized writing applications have been developed to assist in organizing thoughts, tracking details, and fostering creativity. In this article, we will explore the top five writing applications that are indispensable for worldbuilding and complex story planning.

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1. Obsidian: The Ultimate Tool for Writers

Obsidian is a robust note-taking and knowledge management application that has gained immense popularity among writers for its flexibility and powerful features. Whether you are working on a novel, a series of interconnected stories, or an entire fictional universe, Obsidian provides the tools you need to keep everything organized and easily accessible.

Key Features of Obsidian

Markdown Support: Obsidian uses Markdown, a lightweight markup language, which allows writers to format their notes with ease. This feature is particularly useful for creating structured documents and linking related notes.

Bidirectional Linking: One of Obsidian's standout features is its bidirectional linking capability. This allows writers to create connections between different notes, making it easy to navigate through complex storylines and character relationships.

Graph View: The Graph View in Obsidian provides a visual representation of how your notes are interconnected. This feature is invaluable for worldbuilding, as it helps writers see the big picture and understand how different elements of their story fit together.

Plugins and Customization: Obsidian offers a wide range of plugins that can enhance its functionality. Writers can customize the app to suit their specific needs, whether it's adding a calendar for tracking writing progress or integrating with other tools like Google Drive.

Cross-Platform Sync: With Obsidian, you can sync your notes across multiple devices, ensuring that you have access to your work wherever you go. This is particularly useful for writers who like to jot down ideas on their phone and then expand on them later on their desktop.

Pricing

Personal Use: Free

Commercial Use: $50 per user per year

Add-ons:

Sync: $4 per user per month, billed annually

Publish: $8 per site per month, billed annually

Catalyst: $25+ one-time payment for early access and VIP features

How Obsidian Enhances Worldbuilding and Story Planning

Obsidian's features are designed to support the intricate process of worldbuilding and story planning. The ability to create detailed notes for each character, location, and plot point, and then link them together, allows writers to build a comprehensive and cohesive narrative. The Graph View provides a visual map of the story, making it easier to identify connections and ensure consistency. Additionally, the customization options and plugins available in Obsidian mean that writers can tailor the app to their specific workflow, making it an indispensable tool for any serious writer.

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2. Scrivener: The Writer's Swiss Army Knife

Scrivener is a well-known writing application that has been a favorite among writers for years. It offers a wide range of features designed to help writers organize their work, from drafting to final edits. Scrivener is particularly useful for long-form writing projects, such as novels and screenplays, where managing large amounts of text and research is essential.

Key Features of Scrivener

Project Management: Scrivener allows writers to break their projects into manageable sections, such as chapters or scenes. This makes it easy to navigate through the manuscript and make changes as needed.

Research Integration: Writers can import research materials, such as PDFs, images, and web pages, directly into Scrivener. This keeps all relevant information in one place, making it easy to reference while writing.

Corkboard and Outliner: Scrivener's Corkboard and Outliner views provide visual ways to organize and rearrange sections of the manuscript. This is particularly useful for plotting and structuring complex stories.

Customizable Templates: Scrivener offers a variety of templates for different types of writing projects, from novels to screenplays. Writers can also create their own templates to suit their specific needs.

Export Options: Scrivener supports a wide range of export formats, including Word, PDF, and ePub. This makes it easy to share your work with others or prepare it for publication.

Pricing

macOS: $49

Windows: $45

iOS: $19.99

Bundle (macOS + Windows): $80

How Scrivener Enhances Worldbuilding and Story Planning

Scrivener's project management features are ideal for worldbuilding and story planning. Writers can create separate sections for different aspects of their world, such as characters, settings, and plot points, and then easily navigate between them. The ability to import research materials directly into the project ensures that all relevant information is readily accessible. The Corkboard and Outliner views provide visual ways to organize and rearrange the story, making it easier to see the big picture and ensure consistency. Overall, Scrivener is a powerful tool that can help writers manage the complexities of worldbuilding and story planning.

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3. Campfire: A Comprehensive Worldbuilding Tool

Campfire is a writing application specifically designed for worldbuilding and story planning. It offers a wide range of features that allow writers to create detailed and immersive worlds, from character profiles to interactive maps. Campfire is particularly useful for writers who are working on large-scale projects, such as epic fantasy series or intricate science fiction universes.

Key Features of Campfire

Character Profiles: Campfire allows writers to create detailed profiles for each character, including information on their appearance, personality, and backstory. This helps ensure that characters are well-developed and consistent throughout the story.

Worldbuilding Tools: Campfire offers a variety of tools for worldbuilding, such as interactive maps, timelines, and relationship webs. These features allow writers to create a comprehensive and cohesive world for their story.

Plotting Tools: Campfire's plotting tools help writers outline their story and track the progression of the plot. This is particularly useful for complex stories with multiple plotlines and subplots.

Collaboration Features: Campfire allows writers to collaborate with others on their projects. This is particularly useful for co-authors or writing teams who need to share information and work together on the story.

Customizable Templates: Campfire offers a variety of templates for different aspects of worldbuilding and story planning. Writers can also create their own templates to suit their specific needs.

Pricing

Free Plan: Limited features

Standard Plan: $19 per month or $160 per year

Custom Plan: Prices start at $0.50 per month per module

How Campfire Enhances Worldbuilding and Story Planning

Campfire's features are specifically designed to support the process of worldbuilding and story planning. The ability to create detailed character profiles and interactive maps allows writers to build a rich and immersive world for their story. The plotting tools help writers outline their story and track the progression of the plot, ensuring that all elements of the story are well-organized and consistent. The collaboration features make it easy for co-authors or writing teams to work together on the project. Overall, Campfire is a comprehensive tool that can help writers manage the complexities of worldbuilding and story planning.

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4. Aeon Timeline: A Visual Timeline Tool for Writers

Aeon Timeline is a visual timeline tool that helps writers organize their stories and track the progression of events. It is particularly useful for complex stories with multiple plotlines and characters, as it allows writers to see the big picture and ensure consistency.

Key Features of Aeon Timeline

Visual Timelines: Aeon Timeline allows writers to create visual timelines for their stories, making it easy to see the progression of events and track the relationships between different plotlines.

Character and Event Tracking: Writers can create detailed profiles for each character and event, including information on their relationships and interactions. This helps ensure that all elements of the story are well-organized and consistent.

Customizable Templates: Aeon Timeline offers a variety of templates for different types of writing projects, from novels to screenplays. Writers can also create their own templates to suit their specific needs.

Integration with Other Tools: Aeon Timeline integrates with other writing tools, such as Scrivener and Ulysses, making it easy to import and export information between different applications.

Collaboration Features: Aeon Timeline allows writers to collaborate with others on their projects. This is particularly useful for co-authors or writing teams who need to share information and work together on the story.

Pricing

One-time Purchase: $65 (includes 1 year of free updates)

Additional Year of Updates: $35 per year

How Aeon Timeline Enhances Worldbuilding and Story Planning

Aeon Timeline's visual timeline feature is particularly useful for worldbuilding and story planning. Writers can create detailed timelines for their stories, making it easy to see the progression of events and track the relationships between different plotlines. The character and event tracking features help ensure that all elements of the story are well-organized and consistent. The integration with other writing tools makes it easy to import and export information between different applications, ensuring that all relevant information is readily accessible. Overall, Aeon Timeline is a powerful tool that can help

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5. Plottr: Visual Story Planning Made Simple

Plottr is a visual story planning tool that helps writers outline their stories in a clear and organized manner. It is particularly useful for writers who prefer a visual approach to planning and want to see their story structure at a glance. Plottr's intuitive interface and powerful features make it an excellent choice for both novice and experienced writers.

Key Features of Plottr

Timeline View: Plottr's Timeline View allows writers to create a visual timeline of their story, making it easy to see the sequence of events and how they fit together. This is particularly useful for complex stories with multiple plotlines.

Character and Plot Templates: Plottr offers a variety of templates for character development and plot structure. Writers can use these templates to ensure that their characters are well-rounded and their plots are cohesive.

Drag-and-Drop Interface: Plottr's drag-and-drop interface makes it easy to rearrange scenes and chapters. This allows writers to experiment with different story structures and find the one that works best for their narrative.

Filtering and Tagging: Writers can use tags and filters to organize their scenes, characters, and plot points. This makes it easy to find specific elements of the story and keep track of important details.

Export Options: Plottr allows writers to export their outlines to other writing applications, such as Scrivener and Word. This makes it easy to move from planning to drafting without losing any important information.

Pricing

Annual Plan: $25 per year

Lifetime Plan: $99 one-time payment

How Plottr Enhances Worldbuilding and Story Planning

Plottr's visual approach to story planning makes it an invaluable tool for worldbuilding and complex story planning. The Timeline View allows writers to see the big picture and ensure that their story flows smoothly. The character and plot templates help writers develop well-rounded characters and cohesive plots. The drag-and-drop interface and filtering options make it easy to organize and rearrange story elements, ensuring that nothing gets lost in the process. Overall, Plottr is a powerful and user-friendly tool that can help writers bring their stories to life.

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Each of the applications we’ve explored - Obsidian, Scrivener, Campfire, World Anvil, and Plottr - offers unique features that cater to different aspects of writing. By integrating these tools into your workflow, you can unlock new levels of creativity and efficiency.

Are you ready to take your writing to the next level? Dive into these applications and discover which one resonates with your creative process. And don’t forget to follow us for more insights, tips, and recommendations on the best tools and practices for writers. Your next great story is just a click away!

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