#debt buyers

[brmichaels]

The Morning After Series: Chapter 2

Why I'm Mad at Debt Buyers

The second installment of The Morning After Series focuses on the topic of an older episode of John Oliver's Last Week Tonight: Debt Buyers!

Now, not everyone may know what debt buying is, but reading this article is certain to show you why you should be just as mad as me, and give you the solution.

An excerpt:

"I know and love people who require a great deal of healthcare to survive. I have racked up a fair amount of bills in my short lifetime. The idea of medical debt is not new to me and has always been a threat. Debt buyers — strangers who essentially buy the suffering of others and then extort them for profit — made me so mad I didn’t know what to do with myself."

[bruisedloverr]

sorry but i need to share the thought of Bailey being the closest thing the LIs (except. Robin i guess) have to/can consider as a father/mother-in-law when in a relationship with the PC is fucking hysterical to me 💀 knowing them they will just disapprove all of them regardless of who they are

[definitionsfading]

my dad pulled some shit of such extreme magnitudes on me earlier today, lmao. my hands were shaking for an hour after we ended the phone call. some of you may know or remember (if you follow me on twitter) that last september he basically handed me an ultimatum on a $7,500 loan he gave me in cash in 2018 so I could buy a car. I had to start paying him in monthly installments or we were going to have some Problems. 

the main issue I had with all that at the time is that he basically said a bunch of shit that implied, quite candidly, that his help and support is fully conditional and I can’t expect to get anything without having to pay him back. he had a whole spiel about how he wasn’t going to “contribute to the cycle of losers in society who expect everything for free” and from that logic you can deduce that I was being called a loser by proxy. great times. 

today he calls me up out of the blue and says he’ll shave $3,000 off the remaining $6,000 of “my debt” *if* I run a zillow page for his house and screen calls from potential buyers. BUT THE ONLY WAY I’LL GET ANY COMPENSATION FOR MY TIME, is if one of my buyer referrals purchases his house. otherwise I get nothing. he’s only willing to truncate the debt if one of the people I screen and refer to him buys his fucking house. otherwise there is no payment or debt relief. 

I feel fucking insane? like I could spiderman climb the walls like a fucking demon and chew through the beams with my bare teeth? does he not realize that he’s using me as a plaything for his own benefit and amusement at this point? 

his house would sell for upwards of $480,000 (or more) and yet he’s keeping me on the hook like this over $6,000 he doesn’t need. I can’t wrap my head around this. I can’t comprehend what the message is, here, other than the fact that I really don’t matter as his daughter more than his six grand. insane. fucking mental.

[taromomoko]

[kentuckybats]

DTI) ratio requirements for different types of mortgage loans in Kentucky, including FHA, VA, USDA, Fannie Mae, and Kentucky Housing loans

Debt-to-Income (DTI) ratio requirements for ​Kentucky FHA, VA, USDA, and conventional mortgage loans

[danishdeity]

When people are like "I don't wanna vote I'd its between trump and biden" it's so insane to me. Like yeah, Biden is old and boring, but he's like a five. Is he really good? No. Is he bad? Definitely not.

But have you not be listening to the news? Have you been brainwashed?? Trump doesn't even fit on the scale. He tried to overthrow the government because he disagreed with democracy. That's not someone fit to be head of state. He has actively led to anti lgbt, poc, and woman legislation.

"It's like picking between two evils" no, it's like picking between your boring grandpa who's trying his best and someone who wouldn't spare a penny if it would save your life.

[bixels]

In the past, people in the Animal Crossing community would make fun of Tom Nook as a sleazy landlord. Since then, he's really rehabilitated his image as this 'heart of gold' businessman (he's the one who puts bells and furniture in trees for you to find! he adopted orphans! he donates to charity!), but New Horizons genuinely paints the most devious version of him.

He's successfully privatized settler colonialism: you pay HIM to move to a "deserted island" (which apparently the oceans in the AC world are just full of) and start a colony that he is directly invested in. At best he's running a weird vacation package scam (you arrive on the island with no money and in debt for "using his services"). At worst, he's using you to set up company towns. For god's sake, he literally has his own fake currency that he forces you to use to pay off your debt. But don't worry, he's repackaged it in a way that definitely doesn't sound like an MLM scam: the Nook Mileage Program!

You're no longer just his tenant or his temporary part-timer, you're his business lackey. The entire tutorial section of the game has you spending actual weeks running around completing tasks and doing hard labor to set up his colony. You're even tasked with preparing his properties and finding buyers for them. No, you aren't a tenant anymore. You work for the landlord. You are directly responsible for finding tenants for him. And he doesn't even fucking pay you. Not for setting up town hall and museum, or his nephew's shop –– which is the ONLY store on the entire island that sells necessities –– or bringing KK Slider to town, or helping populate his town. Not a single cent. No, actually, you have to pay HIM to BUY infrastructure like bridges and stairs and park benches. And all the while, he's telling you're the "resident representative"; you get to call the shots! That the reward is the community's progress. That what you're doing is in everyone's best interest (but most importantly, his).

Since NH's release, people have done a lot of legwork to say that Tom Nook isn't a capitalist while the game shows him at his very worst. He owns the only general store in town. You're forced to use a phone that he modified and branded as his own. Buy Nook-branded furniture and merchandise at the self-serve kiosk in the town hall, a governmental building! There's no conflict of interest here!

But hey, if you're tired of being the landlord/business mogul's goon, you can also find work as a deluxe resort home designer for a company that also pays you in their special company currency that can only be used to buy their products instead of a real salary! Because that's what the Animal Crossing franchise needs! More vacation homes!!!

[mostlysignssomeportents]

Legendary U Washington bookseller Duane Wilkins is drowning in medical debt

Nearly every sf writer who's ever toured the west coast knows Duane - he's the encyclopedically knowledgeable sf buyer for the U Washington Bookseller, who has organized some of the best sf signings in Seattle history. He's a force of nature.

He's also broke. A two-week hospital stay left him drowning in medical debt - despite being insured! - and now he's being threatened by a collection agency.

Now, Duane is forced into participating in one of the most barbaric of contemporary American rituals, fundraising to cover his medical debt. He's raised $6k of the $10k he needs (I just pitched in $100).

If you can afford to help out someone who's done so much for our community, please kick Duane whatever you can spare.

[mfi-miami]

Former Lawyer And Bank Director Faces 125 Years In Prison

Former Lawyer And Bank Director Mendel Zilberberg Faces 125 Years In Prison For $1.5 Million Straw Deal Scam Mendel Zilberberg A former lawyer who ran a Manhattan bank faces 125 years in federal prison. A federal jury convicted Mendel Zilberberg for engaging a straw buyer for a $1.5 million fraudulent loan scam. The scam led to the collapse of Park Avenue Bank. The jurors convicted…

[sureeasylendingseo]

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[kentuckybats]

Debt-to-Income (DTI) ratio requirements for ​Kentucky FHA, VA, USDA, and conventional mortgage loans 

Untitled

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[batboyblog]

Things Biden and the Democrats did, this week #13

April 5-12 2024

President Biden announced the cancellation of a student loan debt for a further 277,000 Americans. This brings the number of a Americans who had their debt canceled by the Biden administration through different means since the Supreme Court struck down Biden's first place in 2023 to 4.3 million and a total of $153 billion of debt canceled so far. Most of these borrowers were a part of the President's SAVE Plan, a debt repayment program with 8 million enrollees, over 4 million of whom don't have to make monthly repayments and are still on the path to debt forgiveness.

President Biden announced a plan that would cancel student loan debt for 4 million borrowers and bring debt relief to 30 million Americans The plan takes steps like making automatic debt forgiveness through the public service forgiveness so qualified borrowers who don't know to apply will have their debts forgiven. The plan will wipe out the interest on the debt of 23 million Americans. President Biden touted how the plan will help black and Latino borrowers the most who carry the heavily debt burdens. The plan is expected to go into effect this fall ahead of the election.

President Biden and Vice-President Harris announced the closing of the so-called gun show loophole. For years people selling guns outside of traditional stores, such as at gun shows and in the 21st century over the internet have not been required to preform a background check to see if buyers are legally allowed to own a fire arm. Now all sellers of guns, even over the internet, are required to be licensed and preform a background check. This is the largest single expansion of the background check system since its creation.

The EPA published the first ever regulations on PFAS, known as forever chemicals, in drinking water. The new rules would reduce PFAS exposure for 100 million people according to the EPA. The Biden Administration announced along side the EPA regulations it would make available $1 billion dollars for state and local water treatment to help test for and filter out PFAS in line with the new rule. This marks the first time since 1996 that the EPA has passed a drinking water rule for new contaminants.

The Department of Commerce announced a deal with microchip giant TSMC to bring billions in investment and manufacturing to Arizona. The US makes only about 10% of the world's microchips and none of the most advanced chips. Under the CHIPS and Science Act the Biden Administration hopes to expand America's high-tech manufacturing so that 20% of advanced chips are made in America. TSMC makes about 90% of the world's advanced chips. The deal which sees a $6.6 billion dollar grant from the US government in exchange for $65 billion worth of investment by TSMC in 3 high tech manufacturing facilities in Arizona, the first of which will open next year. This represents the single largest foreign investment in Arizona's history and will bring thousands of new jobs to the state and boost America's microchip manufacturing.

The EPA finalized rules strengthening clean air standards around chemical plants. The new rule will lower the risk of cancer in communities near chemical plants by 96% and eliminate 6,200 tons of toxic air pollution each year. The rules target two dangerous cancer causing chemicals, ethylene oxide and chloroprene, the rule will reduce emissions of these chemicals by 80%.

the Department of the Interior announced it had beaten the Biden Administration goals when it comes to new clean energy projects. The Department has now permitted more than 25 gigawatts of clean energy projects on public lands, surpass the Administrations goal for 2025 already. These solar, wind, and hydro projects will power 12 million American homes with totally green power. Currently 10 gigawatts of clean energy are currently being generated on public lands, powering more than 5 million homes across the West. 

The Department of Transportation announced $830 million to support local communities in becoming more climate resilient. The money will go to 80 projects across 37 states, DC, and the US Virgin Islands The projects will help local Infrastructure better stand up to extreme weather causes by climate change.

The Senate confirmed Susan Bazis, Robert White, and Ann Marie McIff Allen to lifetime federal judgeships in Nebraska, Michigan, and Utah respectively. This brings the total number of judges appointed by President Biden to 193

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