#help paying off credit card debt

[debthelperdotcom]

Hope 4 paying off Personal Loan and Credit Cards #debtrelief #debtmanag...

[strawberrybyers]

realizing i’m so funny and talking a lot and making a million plans right now is not because i am healing for a new year new me era but because i am entering a state of ✨hypomania✨

[autistic-shaiapouf]

Gonna have to bust out the comm sheet soon bc work is not scheduling me and. frankly. I simply do not want to be there as of late

[the-commonplace-book]

folks my credit card is almost paid off 💕😭💕

[pupkashi]

satoru is the kind of boyfriend that you are constantly falling in with over and over again

he takes out a spider that you found in the hallway, promising he’ll let it into the backyard and won’t kill it. he’ll tease you relentlessly for running to the other side of the house while on the phone with him, begging him to come home to take care of the ‘grave danger’ you were in. satoru never once tells you how his heart flutters knowing your instinct is to cal him for help.

satoru is the kind of lover to pick flowers for you when you walk hand in hand, giggling as a spring breeze hits the two of you. he smiles, bending down and picking the daisy from the ground.

“look! i got you a flower” he grins, handing the small flower to you with a smile on his face.

“oh wow this just for me? you broke the bank with this one” he can’t help but laugh loudly, “I’m in deep credit card debt,” he replies, “think you can cover dinner for tonight?” you laugh, nodding your head- knowing he’d never let you pay for anything as long as he was around.

the kind of boyfriend to run late, but pick up flowers on the way to make it up to you, buying extravagant bouquets on a whim and making sure every vase in your home is filled with flowers at any given moment. there comes a point in the relationship where you have to sit him down and ask him softly to cut down the flower buying to once a week, as you’d run out of vases to put the flowers in.

satoru ends up buying you more vases, but realizes it’s gotten out of hand when you have no free surfaces in your home due to the overflowing amount of flora. he cuts it down to once a week after he found a bee in the house one day.

your lover brings back souvenirs from all the places he goes when on missions, trinkets that he knew you’d love spilling out of his pockets as he walks into your shared home.

“i think you’d love this little bunny figure so i got it!” he’s beaming at you, his face lights up even more when he sees how excited you are, gushing over the small figure and thanking him with a plethora of kisses.

satoru is the kind of boyfriend to tell you ‘told you so’ when you get cold because you didn’t bring a jacket, all while simultaneously taking his off and giving it to you. he tries his best to hide how much colder he is to try and make sure you stay warm, but his shivering six foot something body is hard to miss.

“satoru i think you’re colder than i was, please just take it back” you beg, shoving his jacket back into his hands, he just shakes his head, teeth slightly chattering as he lies to your face.

“im not even cold, you need to stay warm” he’s steadfast and stubborn on his stance, only taking his jacket back when you two enter a cafe and make it a point to say how hot you felt when you stepped inside.

satoru is the kind of boyfriend to hang mistletoes all over the house, giggling when he pulls you in by your waist and places a giddy kiss on your lips.

“man i love christmas” he sighs, pointing at the fourth mistletoe in the last hour as you two decorated for the holidays.

“seriously how many of these did you buy?” you laugh, pulling him closer to you and placing your lips on his. satoru smiles into the kiss, chasing after your lips even when you pull away and managing to steal one last kiss.

“mmm, alot” he whispers, snowy hair tickling your face as he presses a kiss to your cheek before continuing on with the tree lights.

satoru gojo is the kind of boyfriend to kiss you from 11:59 pm on New Year’s Eve to 12:01 am on New Year’s Day, just to say he made out with you into another year. he also does it just to make sure you can’t say you haven’t kiss him since last year.

“you’ve been kissing me since last year sweetheart just admit you’re crazy about me” he teases you, his cheeks and ears flush from the two cups of champagne he’s had.

“angel boy you have no idea” you giggle, taking in how beautiful he looks as the fireworks pop around the two of you, making his crystalline eyes shine a little brighter.

satoru gojo is the kind of boyfriend that makes you believe in soulmates, because there was no other way to describe what he was to you other than that.

satoru gojo was your soulmate, and you were his.

a/n: hi hi ! just wanted to write something short and sweet to get me back into the flow of writing <3 hopefully this help kill my writers block :3

masterlist

taglist (send an ask to be added!): @chilichopsticks @anime-for-the-sleepless @safaia-47 @nanamikentoseyebags @fushironi @nineooooo @the-mom-friend-dot-com @gojoshooter @beautiful-is-boring @sweetheart-satoru @luna0713hunter @torusmochi @kentocalls @sadmonke

[missarchive]

american jesus ☆

spencer reid

part one part two part three part four

summary; What starts as a seemingly innocent exchange quickly escalates into a game of trust, control, and desire. Spencer offers you more than just financial stability; he gives you attention, adoration, and a connection so intimate it leaves you breathless. From whispered words over the phone to moments of vulnerability, he knows exactly how to unravel you, guiding you to discover sides of yourself you never knew existed.

But with every dollar he deposits into your account and every command that leaves his lips, the boundaries between professionalism and pleasure blur. As you dive deeper into this intoxicating arrangement, you can’t help but wonder: are you just another outlet for his control, or has this brilliant man fallen for you just as deeply as you’ve begun to fall for him?

cw; +18 minors dni, masturbation (f), hints at masturbation (m), nudes, spencer calls reader "little girl" once, phone sex, sugar baby/daddy dynamics, inexperienced reader, pleasure dom spencer, fingering, dirty talk

an; this is the first part in my new series! as always, feedback is greatly appreciated. P.s. this is written with jesus reid in mind <3 xoxo

The idea had been absurd from the beginning—a drunken suggestion tossed out during a late-night study break, your friend’s cheeks flushed from the cheap wine you’d both been sipping.

“You should totally do it,” she’d said, her voice a mix of mischief and daring as she scrolled through her phone. “It’s not like you have to… do anything. Just talk. Flirt a little. Get someone to pay for your coffee—or your rent. What’s the harm?”

You’d laughed it off then, brushing aside her suggestion with a half-hearted joke about the kind of people who used those sites. But now, with your landlord’s polite but insistent emails piling up, along with the crushing weight of tuition bills and credit card debt, her words didn’t seem so laughable.

Desperation, you’d learned, had a way of reshaping your boundaries.

So, against every instinct that told you to slam the laptop shut and find another way, you clicked the link she’d jokingly sent that night.

The homepage was a garish blend of pink and gold, its polished glamour doing little to mask the transactional nature of it all. The tagline—"Where connections are made"—was a cruel euphemism for what this really was: a marketplace. A place where companionship, or at least the illusion of it, had a price tag.

Your fingers hovered over the keyboard for a long time before you finally typed in a username: laceandliterature.

The flood of messages came almost instantly.

@ hungandrich; Hey, beautiful 😘

@ olderseekingyounger; I can show you the world 🌍💎

@ MrNaughty4U; $5k a week to be my princess. No strings attached 💵

It was overwhelming, a cascade of propositions ranging from saccharine to predatory. Some were masked in politeness, others made no effort to conceal their intentions. Your stomach churned as you skimmed through them, the realisation sinking in that you were just another product on a shelf.

And then, just as you were about to close the browser and pretend this had never happened, a new message pinged.

It was short, direct—refreshingly so:

[new chat from: @ thefourthdoctor]

@ thefourthdoctor; Intriguing profile. Shall we talk?

No emojis, no extravagant promises. Just a simple, confident statement.

You hesitated, your heart racing as you clicked on the profile. The picture was blurry, as if taken in haste, but it revealed enough: dark, wavy hair that framed sharp, intelligent eyes behind a pair of glasses. His bio was sparse but intriguing, mentioning books, travel, and a keen interest in "meaningful conversations."

Something about it—about him—felt different. Not just the lack of overtly transactional language, but the quiet assurance in his words.

Your fingers hovered over the keyboard.

This was a bad idea. You knew it was a bad idea. But against your better judgment, you typed out a response.

@ laceandliterature; I suppose that depends on what you want to talk about.

The reply came almost immediately, as if he’d been waiting.

@ thefourthdoctor; Anything but the obvious.

The words were simple, but the subtext was unmistakable: he wasn’t here for what everyone else seemed to want. Or maybe he was just better at hiding it. No sleazy innuendos. No dick pics. No hollow promises of private jets or weekend getaways. Not even the tired clichés of "Hey, gorgeous" or “What’s your body count?”—just a question.

It was startling in its simplicity, almost disarming. And for that exact reason, it made you pause. The absence of the usual vulgarity felt almost like a trick, a trap designed to lure you into a false sense of security. You had learned the hard way to be cautious online. Yet, despite yourself, you couldn’t help but be intrigued.

Your fingers hovered over the keyboard as you glanced at his username again.

A click brought up his profile, your curiosity outweighing your skepticism. The photo was blurry, clearly taken without much thought to lighting or angles. It wasn’t like the polished, professional headshots some of the other profiles sported. Still, you could make out the basics: slightly messy, long curly dark hair, intelligent eyes framed by glasses, and an awkward sort of handsomeness that felt... real.

The bio was brief—almost frustratingly so.

"Bibliophile. Traveler. Interested in meaningful conversations and unconventional connections."

It lacked the arrogance and ostentation of the others you’d scrolled past, the ones who listed their wealth or their penchant for “petite brunettes.” Instead, it was vague, yet oddly specific in its sincerity.

Your chest tightened, a strange mix of apprehension and curiosity tugging at you. Was this calculated, or was it simply honest? And why did it feel more dangerous than the others?

Still, you typed.

Your heartbeat quickened as you debated your next move. The smart thing would be to leave it at that, maybe even block him. After all, you weren’t here for emotional entanglements. This was supposed to be transactional—a simple trade: your time and charm for their money and attention. A means to an end.

Yet, against your better judgment, you stayed.

@ laceandliterature; The obvious is easier to avoid than you think, but meaningful conversations? That’s a tall order here.

There was a long pause, long enough that you started to wonder if you’d misjudged him. But then, the reply came:

@ thefourthdoctor; It depends on who you’re talking to.

You stared at the screen, the simplicity of his words sending a ripple of unease through you. There was no bravado, no performance. He was direct, confident, and—most dangerously—intriguing.

The seconds stretched into minutes as you debated what to say next. This was different from the other messages. He wasn’t dangling wealth in front of you like a shiny object or trying to buy your interest with empty promises.

And yet, the very absence of those things made you wonder what he wanted. Because he wanted something—everyone on this site did. That was the nature of it.

@ laceandliterature; Okay. What do you want to talk about?

His reply was immediate, as if he’d been waiting for you to ask:

@ thefourthdoctor; Tell me what brought you here.

The question hit like a dart, sharp and precise. Your stomach tightened as you read it again, the blunt honesty of it stripping away the thin veil you’d been hiding behind. No one had asked that before—not like this.

Most of the messages you’d received had operated on unspoken rules: you pretend this is normal, and they pretend they’re just being generous. But this man wasn’t pretending. He was asking you to be real in a space built on pretense.

And for reasons you couldn’t quite explain, you felt compelled to answer.

Your fingers trembled slightly over the keyboard. What could you even say? The truth? That you were drowning under the weight of your bills, your student loans, your own stubborn pride? That desperation had led you here, to a website where relationships had price tags and intimacy was commodified?

But what stopped you wasn’t the shame of your situation—it was him. The way he asked, as if the answer mattered. As if you mattered.

The tension in your chest twisted tighter as you typed.

@ laceandliterature; The same thing that brings everyone here, I suppose. Necessity.

You hit send before you could overthink it, before you could soften the edges of the truth. The reply came quickly.

@ thefourthdoctor; Necessity takes many forms. Which is yours?

You stared at the screen, his words pulling something loose inside you. This wasn’t idle curiosity. He was pushing you, peeling back the layers you hadn’t even realized you were wearing. And damn it, you wanted to push back.

@ laceandliterature; Does it matter?

You wrote, the edge in your tone slipping into the words.

The pause before his reply was longer this time, long enough to make you wonder if you’d misstepped. But then it came, and it was nothing you expected.

@ thefourthdoctor; It matters if you want it to.

The simplicity of his words sent a jolt through you, more potent than any overture of wealth or charm could have been. There was no condescension, no judgment. Just quiet, unnerving confidence.

You leaned back in your chair, running a hand through your hair. This wasn’t how this was supposed to go. These conversations were supposed to be easy—shallow exchanges where you could slip into a version of yourself that didn’t feel the weight of real life pressing down on her. But with him, there was no slipping into anything.

He wasn’t letting you.

@ laceandliterature; What about you?

You typed, throwing the question back at him, daring him to offer you the same vulnerability he was asking of you. 

@ laceandliterature; Why are you here?

His reply was immediate, almost as if he’d been expecting the question.

@ thefourthdoctor; Curiosity.

You frowned at the screen, the single word both frustrating and enticing. It was vague but deliberate, leaving just enough room for interpretation to keep you hooked.

@ laceandliterature; Curiosity about what? 

The next message sent a shiver through you:

@ thefourthdoctor; You.

Your breath caught. One word, and yet it felt like he’d reached through the screen, pulling you closer, tethering you to him in a way that was as exhilarating as it was terrifying.

You hesitated, the heat rising in your cheeks as you considered how to respond. This wasn’t the typical transactional banter you’d anticipated when you signed up. He wasn’t offering money or promises of luxury. He wasn’t trying to seduce you with extravagance. Instead, he was drawing you in with something far more dangerous: attention.

And the worst part? You wanted it.

@ laceandliterature; Careful. That kind of curiosity can be expensive.

This time, the pause felt deliberate, a beat of silence meant to let your words settle. When his reply came, it was sharp, confident, and devastatingly effective.

@ thefourthdoctor; I don’t mind paying for what I value. Isn’t that what this is about, anyway?

Your breath hitched, the implications of his words hitting you like a shockwave. This wasn’t flirtation—it was a proposition. But not the kind you’d grown to expect on this site. He wasn’t offering to buy your time or affection outright; he was telling you that he saw something in you worth pursuing.

And that made him infinitely more dangerous.

Your heart raced as you stared at the screen, torn between the instinct to pull back and the magnetic pull of his presence. This wasn’t just about money anymore. This was about control, power, the careful dance of who would give and who would take.

You sat frozen, his last message glowing on the screen like an unspoken dare.

"I don’t mind paying for what I value."

The words reverberated through you, sharp and calculated, leaving no room for misinterpretation. This wasn’t a line meant to charm or impress. It was a statement of intent—a declaration of control.

And it was working.

Your chest tightened as you typed, your fingers moving before your brain caught up.

@ laceandliterature; Value is subjective.

The moment you hit send, you regretted it. It felt flippant, like you were trying to undermine the weight of his words. But maybe that was exactly what you needed to do—to wrest back some semblance of control in this conversation that was starting to feel far too intimate.

The reply came after a pause that felt excruciatingly long:

@ thefourthdoctor; It is. But I’m a man who knows how to discern.

Your throat tightened, the confidence in his words striking a chord deep within you. He wasn’t just playing the game—he was setting the rules. And despite yourself, you found it maddeningly enticing.

@ laceandliterature; Discernment is rare here. 

You replied, leaning into the dynamic, testing the boundaries of this strange connection.

His next message came faster this time, as if he’d been waiting for you to lean in:

@ thefourthdoctor; So is honesty. Tell me, how rare are you?

Your breath hitched, your cheeks flushing as you stared at the question. It wasn’t what you expected—not here, not from someone you’d never met. And yet, it was the kind of question you couldn’t dismiss with a coy quip or vague answer.

@ laceandliterature; Enough to know my worth. 

You typed, surprising even yourself with the boldness of your response.

His reply came swiftly.

@ thefourthdoctor; Good. Then you’ll understand why I won’t insult you with empty offers. Tell me what you want.

Your pulse quickened. There it was—the shift you’d been waiting for, the moment the conversation turned from hypothetical to concrete. But this was different from the others. He wasn’t throwing numbers at you, wasn’t dangling luxury in front of you like bait. He was putting the power in your hands, asking you to decide the terms.

It was intoxicating. And terrifying.

Your fingers hovered over the keyboard, a thousand thoughts racing through your mind. What did you want? Money was the obvious answer—wasn’t it? That was why you were here in the first place. But now, with him, it didn’t feel so simple.

@ laceandliterature; That depends… What are you offering?

The pause before his response was agonizing, each second stretching longer than the last. And then it came:

@ thefourthdoctor; Time. Money. Attention. Answers, if you’re brave enough to ask the right questions.

Your breath caught, the weight of his words settling over you like a heavy cloak. He wasn’t offering material things, at least not yet. He was offering something far more valuable—and far more dangerous.

You swallowed hard, your palms damp as you considered your next move. He’d shifted the power dynamic yet again, pulling you deeper into a game you weren’t entirely sure you knew how to play.

@ laceandliterature; And what do you want in return?

The question leaving you more vulnerable than you cared to admit.

His response was immediate, his words a quiet, commanding echo in your mind:

@ thefourthdoctor; Exactly what you’re willing to give me.

The simplicity of his answer hit you harder than any declaration of wealth or desire could have. It wasn’t just about money or power or control—it was about you. Your choices, your limits, your willingness to engage in this careful, intoxicating dance.

And that realisation sent a shiver down your spine.

For a moment, you stared at the screen, your pulse thrumming in your ears. You could walk away now. Close the laptop, block his profile, and pretend this never happened. But the truth was, you didn’t want to.

Because for the first time since you’d joined this site, you felt seen. Not as an object, not as a commodity, but as a person.

His words clung to you, each syllable daring you to define what you were prepared to offer. He was turning the mirror back on you, forcing you to confront not just the situation but yourself.

Your fingers hovered over the keyboard, unsure of how to proceed. He wasn’t playing by the rules you expected, and that made him unpredictable. Dangerous. But it also made him irresistible.

@ laceandliterature; That’s a clever way of saying nothing. Ambiguity suits you.

The reply came quickly, almost as if he’d anticipated your deflection.

@ thefourthdoctor; Clarity can be earned, if you’re willing to play the game.

Your breath hitched. There it was again—that quiet, assured confidence that pulled you in despite every warning bell ringing in your head. He wasn’t offering platitudes or empty promises. He was offering a challenge, one that was as maddening as it was magnetic.

@ laceandliterature; And what game is that? 

The pause before his answer felt deliberate, a calculated silence that only heightened your anticipation. When his message finally appeared, it sent a shiver through you:

@ laceandliterature; The one we’re already playing. You just haven’t realised it yet.

Your pulse quickened, your palms damp as you stared at the screen. He was toying with you, but not in the way you’d experienced before. This wasn’t about cheap thrills or transparent power plays. This was about control—subtle, seductive, and entirely in his hands.

@ laceandliterature; I don’t recall agreeing to any rules. 

The sharpness of your words masking the unease curling in your chest.

His reply was swift, the confidence in his words cutting through the haze of your thoughts:

@ thefourthdoctor; You didn’t have to. You agreed the moment you responded.

The audacity of his statement left you momentarily breathless. He was right, of course, and that infuriated you. But it also thrilled you in a way you couldn’t quite explain.

@ laceandliterature; You’re awfully sure of yourself

You shot back, your fingers trembling as you hit send. The response came almost immediately.

@ thefourthdoctor; Confidence is the privilege of knowing what you want. Do you?

Your chest tightened, his words striking a nerve you hadn’t expected. What did you want? It was supposed to be simple—a means to an end, a way to solve your financial problems without complicating your life. But now, with him, it felt far from simple.

You hesitated, your mind racing. This wasn’t like the other conversations you’d had on this site. He wasn’t just offering money or gifts; he was offering an exchange of a different kind. One that blurred the lines between power and vulnerability, control and surrender.

@ laceandliterature; I think you already know the answer.

@ thefourthdoctor; Good. Then we’re getting somewhere.

You exhaled sharply, the tension in your chest both exhilarating and suffocating. He had you cornered, and he knew it. But the worst part? You didn’t want to leave.

@ laceandliterature; And where exactly is that? 

The question both a challenge and a plea. His response sent a chill down your spine.

@ thefourthdoctor; Where we figure out if you’re ready to trust me.

The weight of his words settled over you, heavy and inescapable. Trust. It was a loaded word, especially here, in a space where every interaction felt transactional. But with him, it didn’t feel like a demand—it felt like an invitation.

You swallowed hard, your fingers trembling as you typed your response:

@ laceandliterature; Trust is earned, Doctor. How do you plan on earning mine?

The pause before his reply was excruciating, every second stretching longer than the last. And then, finally, his message appeared. 

@ thefourthdoctor; Patience. Honesty. And just enough mystery to keep you coming back.

Your breath caught, the sheer confidence of his words leaving you momentarily speechless. He wasn’t just playing the game—he was rewriting the rules, pulling you deeper into his orbit with every word.

And despite the warning bells ringing in your head, you couldn’t stop yourself from wanting more.

@ laceandliterature; Then I suppose we’ll see how well you play. 

@ thefourthdoctor; We already are.

The message lingered on the screen, a challenge and a promise all at once. And as you stared at it, your heart racing and your mind spinning, one thing became clear:

Here’s the continuation, intensifying the emotional and psychological stakes, as well as the power dynamics:

You could feel it in the way your heart raced, in the way your mind struggled to pull together coherent thoughts. It was maddening. Dangerous. And yet, some part of you craved the thrill of it.

@ laceandliterature; What makes you so sure of that?

@ thefourthdoctor; Because you’re still here.

Your lips parted in a soft exhale, the truth in his words sending a shiver down your spine. He was right—you were still here, still engaged, still drawn to him in a way you couldn’t quite explain.

@ laceandliterature; Maybe I’m just curious.

His response was immediate, his confidence unshaken.

@ thefourthdoctor; Curiosity is the first step to surrender. And you’re closer than you think.

Your pulse quickened, his words striking a nerve you hadn’t realized was exposed. Surrender. The word hung there, heavy and intoxicating, pulling you deeper into his web.

@ laceandliterature; Surrender isn’t in my vocabulary. 

The sharpness of your reply more for your benefit than his.

@ thefourthdoctor; That’s because no one’s ever taught you how to do it properly.

The breath left your lungs in a quiet rush, your body betraying you with a thrill that raced down your spine. He wasn’t just confident—he was audacious, pushing boundaries you didn’t even know you had.

@ laceandliterature; And you think you’re the one to teach me?

@ thefourthdoctor; I know I am.

Your throat tightened, his certainty pulling you further into the undertow. There was no pretence with him, no fumbling for the right words to impress or seduce. He spoke with a quiet authority that was impossible to ignore—and even harder to resist.

@ laceandliterature; You’re awfully sure of yourself, Doctor.

You wrote, the name a deliberate choice, a way to remind yourself that he was still just a man on the other side of a screen.

But his next message stripped away any illusion of simplicity.

@ thefourthdoctor; Confidence is earned. You’ll see.

The promise in his words sent your mind reeling, the tension in your chest building with every passing second. He wasn’t offering wealth or gifts or superficial praise. He was offering himself—his attention, his intellect, his dominance—and it was unlike anything you’d ever encountered.

You leaned back in your chair, running a hand through your hair as you tried to steady your breathing. This wasn’t just a game anymore. It was a collision of wills, a power struggle where the stakes felt dangerously personal.

@ laceandliterature; And if I decide to stop playing? 

His reply came slower this time, each word calculated, precise.

@ thefourthdoctor; Then I’ll let you go. But we both know you won’t.

Your breath caught, the quiet confidence in his message leaving you stunned. He wasn’t trying to trap you—he was daring you to walk away. And that made him even more dangerous.

@ laceandliterature; You seem very sure of my choices

@ thefourthdoctor; I’m sure of your curiosity. And that’s enough.

You stared at the screen, your heart pounding, your mind spinning. He was right—you were curious. About him, about this, about where it could lead. And that curiosity was already pulling you deeper, binding you to him in a way that felt both thrilling and terrifying.

And as you sat there, your fingers hovering over the keyboard, one thought echoed in your mind:

You weren’t just playing his game anymore.

You were losing.

His words were a masterstroke, the kind of deliberate confidence that didn’t demand submission but invited it, coaxed it out of you with unsettling precision. He wasn’t forcing you into anything. He didn’t have to.

You were leaning in all on your own.

@ laceandliterature; Curiosity is dangerous. 

The words meant as both a warning and a defense. You weren’t sure if you were telling him or reminding yourself.

His reply came almost instantly, as if he’d anticipated your hesitation.

@ thefourthdoctor; It can be, in the wrong hands. But I think you know by now—I don’t intend to hurt you.

Your chest tightened, the unexpected gentleness in his response catching you off guard. It wasn’t a dismissal of your fears; it was an acknowledgment, a reassurance that felt disarmingly genuine.

@ laceandliterature; What do you intend to do, then? 

The pause before his reply was deliberate, stretching just long enough to heighten the tension without breaking it.

@ thefourthdoctor; Challenge you. Teach you. Protect you, if you let me.

Your breath hitched, his words striking a chord deep within you. The power in his offer wasn’t in its force but in its certainty, its quiet promise of control without cruelty, dominance without destruction.

@ laceandliterature; That’s a tall order.

@ thefourthdoctor; I’ve never been afraid of a challenge.

The simplicity of his answer left you momentarily stunned. He wasn’t boasting, wasn’t trying to impress you. He was stating a fact, one that resonated with an authority you couldn’t ignore.

@ laceandliterature; And what do you get out of this?

@ thefourthdoctor; The pleasure of watching you grow. The satisfaction of knowing you’re safe. And maybe, if you’re willing, a connection worth more than either of us expected.

Your chest tightened, his words threading through the cracks in your defences with startling ease. He wasn’t just offering a transaction; he was offering something far deeper, something that terrified and intrigued you in equal measure.

@ laceandliterature; You make it sound so simple.

@ thefourthdoctor; It can be, if you trust me. But I won’t rush you. This is your choice.

Your breath caught, the weight of his words settling over you. He wasn’t demanding anything from you, wasn’t using manipulation or coercion. He was giving you the space to decide, to choose whether to step into the unknown or retreat to the safety of your walls.

@ laceandliterature; What if I don’t know how to trust someone like you?

@ thefourthdoctor; Then I’ll show you how, baby. Step by step. But only if you’re willing.

The kindness in his words was a stark contrast to the intensity of his presence, a reminder that his control wasn’t about overpowering you—it was about guiding you, supporting you, meeting you where you were and pulling you gently forward.

@ laceandliterature; And if I’m not?

@ thefourthdoctor; Then I’ll let you go. But I don’t think you want me to.

The truth in his words hit you like a jolt, your heart racing as you stared at the screen. He was right—you didn’t want to let him go. You didn’t want to retreat into the safety of solitude, not when he was offering something so intoxicatingly rare.

@ laceandliterature; You’re very sure of yourself

@ thefourthdoctor; I’m sure of you. And I’m willing to wait until you are too.

The words lingered on the screen, a challenge and a reassurance all at once. He wasn’t just pulling you into his world—he was offering to walk beside you, to guide you through the uncharted territory of trust and surrender.

And as you stared at his message, your pulse thrumming in your ears, one thing became abundantly clear. You wanted to see where this could lead.

Your fingers trembled as you typed your reply.

@ laceandliterature; I don’t know where this is going.

His response came swiftly, his dominance tempered by kindness:

@ thefourthdoctor; Then let me be the one to show you. One step at a time.

When the evening settled and the quiet of your room enveloped you, you found yourself sitting on the edge of your bed, staring at your phone. His last message still lingered there:

"Then let me be the one to show you. One step at a time."

Trust. The word had seemed so monumental when he’d said it, and now it felt even heavier in the quiet intimacy of your room.

Your eyes wandered to the package on your desk, the one that had arrived just days ago. The lingerie you’d bought with the money he’d sent—not something you’d ever imagined doing, much less showing anyone. But his insistence had stayed with you.

"This is for you," he’d written. "Because you deserve to feel special."

You’d laughed at the time, unsure how to process the sincerity in his words. But now, with the soft lace spread out in front of you, you felt the weight of his kindness.

On impulse, you slipped it on, the delicate fabric hugging your body in a way that felt both indulgent and empowering. It wasn’t something you’d ever have bought for yourself, but now, wearing it, you understood the quiet confidence it offered.

You caught your reflection in the mirror, your cheeks flushing as you adjusted the straps. The blush-colored lace was intricate and feminine, the perfect balance of modesty and allure. You hesitated, biting your lip as your phone buzzed in your hand.

Finally, you snapped a photo—nothing overly revealing, just the curve of your body hinted at in the soft light, the lace framing your figure. It felt daring, intimate, and, most of all, you felt like his.

With a shaky breath, you typed a caption for the image. 

@ laceandliterature; Thank you. I thought you should see where your funds are going.

You hit send before you could second-guess yourself, your heart racing as the message left your screen.

@ thefourthdoctor; You’re so beautiful, my little angel.

Your breath caught at the simplicity of his words. There was no embellishment, no flourish—just a quiet, sincere acknowledgment that made your chest tighten.

Another message followed, slower this time, as if he’d chosen each word carefully.

@ thefourthdoctor; Thank you for trusting me with this. How does it make you feel?

His question sent a ripple of warmth through you. He wasn’t just admiring you; he cared about how you felt, ensuring that this moment wasn’t just for him.

@ laceandliterature; It feels… different. In a good way.

The dots danced on the screen before his next message appeared.

@ thefourthdoctor; Good. That’s exactly how it should feel. You deserve to feel confident and cared for.

You smiled despite yourself, the warmth of his words cutting through the lingering nerves. He had a way of making you feel seen, like every action, every choice you made mattered to him.

@ laceandliterature; I wasn’t sure about sending it, I’ve never done anything like that before.

You admitted, your honesty surprising even you.

@ thefourthdoctor; You don’t need to worry. You’re safe with me. Always.

The reassurance in his words settled something deep inside you. He wasn’t just saying it—he meant it, every word carrying the weight of his sincerity.

Before you could respond, your phone vibrated in your hand, his name lighting up the screen. You hadn't expected him to call so soon, but the smile that spread across your face at the sight of his name felt entirely natural.

Your throat pinched, the air suddenly feeling all too warm. Neither of you had ever initiated a call before, what would he sound like? Deciding to push your nerves to the side, you answer the call.

"I was thinking you might not pick up for a moment there," his voice was low and smooth, a hint of amusement dancing through his words. "I hope you know this isn’t just about the photo. It’s about you. What you need, what you want. If you’re ever unsure, tell me. I’ll always listen."

"I guess I just couldn’t help myself," you teased, a slight blush creeping up your cheeks at the memory of how vulnerable you'd felt.

"Yeah? Am I living up to the expectation?" he murmured, and you could hear the laughter in his voice. It wasn’t a mocking sort of amusement, just a quiet acknowledgment that you both knew where this conversation was heading. And that, he hoped, neither one of you would shy away from it.

You laughed, a softness you'd never known you were capable of settling into your chest. There had been something so unexpectedly freeing about the experience—about wearing it made you flush with warmth.

“You could say that…”

“What were you hoping for, when you sent me that photo?”

The thought sent an immediate ache through your body, the suggestion of his touch, of the things he might do to you, sending a wave of desire through you. Your mind raced with images of “him” above you, of his hands pinning your wrists to the bed as he thrust into you. The thought was enough to make you flush, the ache of need between your legs becoming almost unbearable.

"Nothing.” You couldn’t even pretend to feign nonchalance when his words had been so unflinchingly honest, when the promise of what lay ahead was so tantalisingly clear.

"I’ll make it easier for you, then. What are you thinking about right now?" he said bluntly, his words sending a rush of heat through your entire body. There was nothing ambiguous or hesitant about his command; he wanted this, and he expected you to do it. "Tell me what you want, angel. I can give you that."

You twist the fabric hem of the lingerie around your fingers nervously, chewing at the dry skin on the edge of your lips. “I- I don’t know how to do this.” 

He chuckles softly, voice still full of kindness. “Then you don’t have to do anything, let me do all the work, baby.”

You’re quiet for a moment, pondering your options. Before nodding to yourself, deciding you’d have to let go of your nerves for the time being if you wanted this to continue.

“Okay.” You whisper, almost inaudibly. He wouldn’t have been able to hear it if he’d not been paying such close attention.

You took a deep breath, feeling a surge of boldness. "I... I've always had this fantasy of being guided by a man... someone who knows what he wants and can show me new pleasures. I’ve never had that chance before… I was hoping maybe that could be you."

"Oh, angel, you have no idea how much I want to fulfil those desires," He purred. "I can be your guide, your teacher, and your lover all in one."

His words sent a jolt of electricity through your body, and you felt your core tighten with anticipation. "I... I think I'd like that very much."

"I want you to relax and get comfortable for me, can you do that, baby?. Dim the lights, light a candle, whatever you need to do."

Obeying his instructions, you lit a scented candle, filling the room with a soft, flickering glow and a hint of vanilla. You kicked off your shoes and slid under the covers, your heart pounding in your chest.

"That's it, sweet girl," He whispered. "Now, I want you to imagine my hands on your body, caressing your skin, exploring every inch of you. Feel my touch, soft and gentle, as I trace your collarbone, down to the swell of your breasts."

As you listened, you closed your eyes, visualising his strong, masculine hands on your body. You imagined his fingers brushing against your sensitive nipples, causing them to harden in response. Soft whimpers escaping your lips as you reach up to cup your breasts, mimicking his touch.

"That's right, angel," he encouraged. "Touch yourself for me. Feel how soft you are, how sweet.”

Your fingers obeyed, teasing your nipples, rolling and tugging at the sensitive peaks. You arched your back, pressing your breasts into your palms, and let out a soft cry of pleasure.

"Do you like that, little girl?" He asked, his voice thick with desire. "I wish you could see what you do to me."

"Yes, Doctor," you breathed, your voice heavy with arousal. “It feels so good."

"Now, slide your hand down your stomach, past your navel, and into the heat between your thighs," he instructed, his voice a seductive command. "Feel how wet you are for me, how your body responds to my words."

Your hand trembled as you obeyed, slipping beneath the covers and finding your way to your core. Your fingers brushed against your wet folds, and you gasped at the sensation.

"Oh, god, baby. You're so wet, aren’t you? I can hear it," He growled. "Rub your fingers along your pussy, coat them with your sweetness.”

You did as he said, moaning as your fingers slipped into your tight cunt. You were so wet, so ready, and the sensation of filling yourself sent waves of pleasure through your body. Taking the phone down your body, you hold it in front of your dripping pussy. Your microphone picking up on the sounds as your fingers slip through your folds.

"What a noisy fucking pussy, that's it, that's my girl," he encouraged. "Fuck yourself with your fingers, slowly at first, imagine it's my cock inside you, claiming your tight little cunt."

Your fingers moved in and out, your pace increasing as your pleasure spiralled. You imagined Spencer's thick, hard length filling you, his powerful body driving into yours.

"Yeah, fuck yourself for me," he urged. "Let go, angel girl. Come for me, and let me hear your sweet cries."

Your fingers worked frantically, your body on the brink of ecstasy. His words, his deep, commanding voice, pushed you over the edge. With a cry of release, you climaxed, your body trembling as waves of pleasure washed over you.

"Oh, my sweet girl," he whispered, whispering soft praise over the phone, his voice filled with satisfaction. "That sounded like a lot, hm? You still with me, beautiful?."

"I know that wasn’t easy for you, but it was beautiful to hear." His voice was soft, filled with sincerity. 

You lay there, breathless and sated, your body still humming with pleasure. "Y-yeah, m still here. Thank you."

"You did so good, such a well behaved girl. Check your phone for me, baby. Look what you did to me."

You froze for a moment, your mind struggling to process exactly what you were looking at. And then it registered—the smooth skin of his stomach, the slight curve of his hip. A moment later, you saw it; his cock, flushed pink tip, half-hard and resting against his stomach. A small pool of cum rested near his belly button.. You flushed all over at the thought, but you couldn’t tear your eyes away from the photo. There was something so undeniably intimate about the image; something that spoke to the fact that he'd been pleasuring himself while thinking of you.

With a final, breathless goodbye, you end the call. Your heart is still racing, your body tingling with the lingering aftershocks of pleasure. His voice still echoes in your ears, warm and commanding, and the weight of his presence seems to fill the room even though he's no longer on the line. You lean back against the soft cushions on your bed, eyes fluttering closed, letting the soft glow of the lamp wash over you.

You let out a slow exhale, your chest rising and falling in rhythm with the buzz still pulsing beneath your skin. There’s something thrilling, intoxicating about the way he’s able to draw you out, make you vulnerable and yet so sure of yourself all at once. But the moment feels almost too surreal, too indulgent, and you try to calm your racing thoughts when a ping breaks through the haze of your afterglow.

You glance down at your phone, blinking at the notification that has just popped up.

$500 has been deposited into your account.

-for my pretty girl

Your breath catches in your throat as your fingers instinctively swipe open the message. You freeze, your eyes scanning the details with a quickness that betrays your curiosity.

"Doctor Reid," it reads, alongside the substantial amount.

For a moment, time seems to stop, your gaze fixed on the screen as your pulse quickens once more. The money sits there, cool and impersonal, yet its presence is anything but. It’s a gesture—one that feels undeniably generous, but also loaded with unspoken meaning. This isn’t just a transaction. This is him, and everything that came with the promise of his control, his attention, his care.

You’ve known that he was willing to give, but this—this feels different. The amount is so much more than what you’d expected. What did he mean by it? What does he expect now?

You glance at the digits one more time, the weight of his name anchoring the moment. It feels strange to see it. So he was a doctor. 

A tight knot forms in your chest, mixing nerves with something else—something like desire, maybe even gratitude. You bite your lip, unsure how to feel. It was just a phone call, just a moment of shared vulnerability between you. Yet the fact that he’s followed through with this kind of gesture makes everything feel so much more real, so much more complicated.

With a heavy sigh, you set your phone down and run your fingers through your hair, your mind racing as you try to reconcile the thrill of the moment with the heavy responsibility that now feels like it’s creeping in.

At least now you had his name, Doctor Reid.

next part

[mostlysignssomeportents]

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

[newsfromstolenland]

hello!

my name is samira, your local brown disabled dyke

I'm currently not able to work more than a few hours a week and I don't have a lot of money

while I don't have an urgent fundraising goal at the moment, I'm trying to pay off my credit card debt bit by bit, so I figured I'd make a general post with information on how to help me with that

this is my paypal link, this is my ko-fi (where you can also commission writing from me), and I also have etransfer set up so you can dm me for that info

thank you in advance to anyone who shares and/or donates, every little bit helps!

[fatehbaz]

Good question:

In the United States, many jails and prisons can and will charge you money for every single night that you spend imprisoned, for the entire duration of your incarceration, as if you were being billed for staying at a hotel. Even if you are incarcerated for years. Adding up to tens of thousands of dollars. What happens when you’re released?

In response to this:

---

So.

You’re getting charged, like, ten dollars every time you even submit a request form to possibly be seen by a doctor or dentist.

You’re getting charged maybe five dollars for ten minutes on the phone.

Any time a friend or family tries to send you like five dollars so that you can buy some toothpaste or lotion, or maybe a snack from the commissary since you’re diabetic and the “meals” have left you malnourished, maybe half of that money gets taken as a “service fee” by the corporate contractor that the prison uses to manage your pre-paid debit card. So you’re already losing money every day just by being there.

What happens if you can’t pay?

In some places, after serving just a couple of years for drugs charges, almost 20 years after being released, the state can still hunt you down for over $80,000 that you “owe” as if it were a per-night room-and-board accommodations charge, like this recent highly-publicized case in Connecticut:

Excerpt:

Two decades after her release from prison, [TB] feels she is still being punished. When her mother died two years ago, the state of Connecticut put a lien on the Stamford home she and her siblings inherited. It said she owed $83,762 to cover the cost of her 2 1/2 year imprisonment for drug crimes. [...] “I’m about to be homeless,” said [TB], 58, who in March [2022] became the lead plaintiff in a lawsuit challenging the state law that charges prisoners $249 a day for the cost of their incarceration. [...] All but two states have so-called “pay-to-stay” laws that make prisoners pay for their time behind bars [...]. Critics say it’s an unfair second penalty that hinders rehabilitation by putting former inmates in debt for life. Efforts have been underway in some places to scale back or eliminate such policies. Two states — Illinois and New Hampshire — have repealed their laws since 2019. [...] Pay-to-stay laws were put into place in many areas during the tough-on-crime era of the 1980s and ’90s, said Brittany Friedman, an assistant professor of sociology at University of Southern California who is leading a study of the practice. [...] Connecticut used to collect prison debt by attaching an automatic lien to every inmate, claiming half of any financial windfall they might receive for up to 20 years after they are released from prison [...].

Text by: Pat Eaton-Robb. “At $249 per day, prison stays leave ex-inmates deep in debt.” AP News / The Associated Press. 27 August 2022.

---

---

Look at this:

To help her son, Cindy started depositing between $50 to $100 a week into Matthew’s account, money he could use to buy food from the prison commissary, such as packaged ramen noodles, cookies, or peanut butter and jelly to make sandwiches. Cindy said sending that money wasn’t necessarily an expense she could afford. “No one can,” she said. So far in the past month, she estimates she sent Matthew close to $300. But in reality, he only received half of that amount. The balance goes straight to the prison to pay off the $1,000 in “rent” that the prison charged Matthew for his prior incarceration. [...] A PA Post examination of six county budgets (Crawford, Dauphin, Lebanon, Lehigh, Venango and Indiana) showed that those counties’ prisons have collected more than $15 million from inmates — almost half is for daily room and board fees that are meant to cover at least a portion of the costs with housing and food. Prisoners who don’t work are still expected to pay. If they don’t, their bills are sent to collections agencies, which can report the debts to credit bureaus. [...] Between 2014 and 2017, the Indiana County Prison — which has an average inmate population of 87 people — collected nearly $3 million from its prisoners. In the past five years, Lebanon’s jail collected just over $2 million in housing and processing fees.

Text by: Joseph Darius Jaafari. “Paying rent to your jailers: Inmates are billed millions of dollars for their stays in Pa. prisons.” WHYY (PBS). 10 December 2019. Originally published at PA Post.

---

Pay-to-stay, the practice of charging people to pay for their own jail or prison confinement, is being enforced unfairly by using criminal, civil and administrative law, according to a new Rutgers University-New Brunswick led study. The study [...] finds that charging pay-to-stay fees is triggered by criminal justice contact but possible due to the co-opting of civil and administrative institutions, like social service agencies and state treasuries that oversee benefits, which are outside the realm of criminal justice. “A person can be charged $20 to $80 a day for their incarceration,” said author Brittany Friedman, an assistant professor of sociology and a faculty affiliate of Rutgers' criminal justice program. “That per diem rate can lead to hundreds of thousands of dollars in fees when a person gets out of prison. To recoup fees, states use civil means such as lawsuits and wage garnishment against currently and formerly incarcerated people, and regularly use administrative means such as seizing employment pensions, tax refunds and public benefits to satisfy the debt.” [...] Civil penalties are enacted on family members if the defendant cannot pay and in states such as Florida, Nevada and Idaho can occur even after the original defendant is deceased. [...]

Text by: Megan Schumann. “States Unfairly Burdening Incarcerated People With “Pay-to-Stay” Fees.” Rutgers press release. 20 November 2020.

---

So, to pay for your own imprisonment, states can:

-- hunt you down for decades (track you down 20 years later, charge you tens of thousands of dollars, and take your house away)

-- put a lien on your vehicle, house

-- garnish your paycheck/wages

-- seize your tax refund

-- send collections agencies after you

-- take your public assistance benefits

-- sue you in civil court

-- take money from your family even after you’re dead

[debthelperdotcom]

Debthelper Success Story

[nyancrimew]

i really hate how often i have to post about this, but im horribly in debt and if i don't get out of this soon (ideally within like two months) it's only gonna keep getting way worse. at this point im over 4.6k in the minus cause both paying back debt and keeping up with living expenses and bills at the same time is pretty much impossible on my little income, so i always end up having to spend more in credit card debt again (i have to cover most of the living expenses for a two person household and sometimes help my wife with shopping as well).

i know i already have enough coming in rn (with the talk and other paid work + a bit of my monthly income) to pay off at least 1.6k this month, but absolutely anything i get will help me massively, and especially monthly subscriptions are valuable for budgeting and allowing me to worry less while doing my writing or posting my silly posts and are my only stable form of income.

give with card if possible as it is currently not possible for me to get paypal money into my bank account, but paypal is at least still useful for running expenses, anything helps <3

[electricpurrs]

and soooo i bought myself and my bro a drawing tablet and clip studio paint for christmas, which is something we've both wanted for so long and that can be a big step for our art journey!

that was also very expensive, and i have quite a lot of credit card debit to pay off because of a mix of regular spendings and end-of-the-year spendings that far exceeded what i expected

if my math works correct i need around $103 USD to pay off everything i need

i take commissions on ko-fi as you all know, but i shall warn beforehand i will probably take a while to get to all my comms right now due to being busy with aformentioned end-of-year stuff

but regardless i can't overstate how getting anything from ko-fi would be really really helpful to me right now, i have a lot of debt to pay off and i have no other source of income so i really appreciate any help ✌️ peace love you guys a lot, genuinely wouldn't be nearly as safe as i am today if it wasn't for all the people who have been helping me all this time

$0/$103

[all-doggirls-go-to-heaven-2]

Hey I really really need some help paying off my credit card debt if you can share 10 dollars or something it goes a long long long long way, thank u

https://ko-fi.com/dogheaven

Paypal: dogheavenplushies@gmail.com

[cozy2000]

!! please do not tag as "f1nanc1al a1d" or similar !!

PLEASE HELP GAZANS AND PALESTINIANS FIRST!!!

so the primary thing keeping my financial freedom in a grip is my credit card debt. the total is $1,384.70. if i can get that paid off in one payment my dad will lower my rent payments and I'll be able to build credit to get a loan and get the hell out of my sexually, emotionally, mentally, and financially abusive situation sooner than later. i also need money for food, but if i can get my credit card paid off too, then i can use the credit card to buy food and immediately pay it off to build credit

donations $30 and above can ask for a commission like this in return!

GOAL REACHED as of may 15th

vnm/cshpp: @cozicko

pypl: zickocolin[@]gmail[.]com

sorry for all the don8on posts lately, life is tough and my chronic illnesses are advancing in severity and im needing to eat more to keep myself able to work

PAID OFF! im still financially bad off and need food and meds but WE ARE CLEAR!

[theambitiouswoman]

Like it or not, you’re in a relationship with anything that takes up your time, thoughts, and energy— and that includes money. In fact, the two longest relationships you’ll have are with yourself and with money. Both of these relationships affect how you live & your relationship with money doesn’t have to be stressful.

Think about how you feel about money. Do you see it as hard to get or something that flows easily to you What do you want your money to do for you? Save for a trip? Buy a home? Setting specific goals gives you direction.

A budget is just a plan for your money. It helps you see where it’s going and where you can make better choices. Focus on what you already have instead of what you don’t. Gratitude can help you feel more abundant.

Create a budget and write down all of your expenses. Most people don’t know where their money goes because they dont take into account their pleasure purchases. Put some money aside for yourself before paying for other things. It’s a simple way to build up your savings. If you have debt, make a plan to pay it off. Start with the high interest ones first.

Don’t fear money. See it as a tool that can come and go. Believe that you can always create more. Share what you can, even if it’s a small amount. It helps you feel more connected to abundance. The more you complain about not having, the less you will continue to have. You have to learn how to think abundantly.

You can downloads any of these apps:

Mint

YNAB (You Need a Budget)

PocketGuard

Goodbudget

Undebt.it

Honeydue

Personal Capital

EveryDollar

———————————

Alternatively, here’s a templare you can copy and paste:

1. Income

• Primary Income: $_________

• Side Income: $_________

• Other Income (e.g., investments, bonuses): $_________

Total Income: $_________

2. Fixed Expenses

(Expenses that stay the same each month)

• Rent/Mortgage: $_________

• Utilities (Electricity, Water, Gas): $_________

• Internet/Phone: $_________

• Insurance (Health, Car, Home): $_________

• Debt Payments (Loans, Credit Cards): $_________

• Subscriptions (Streaming, Gym, etc.): $_________

Total Fixed Expenses: $_________

3. Variable Expenses

(Expenses that can change each month)

• Groceries: $_________

• Transportation (Gas, Public Transit, etc.): $_________

• Eating Out/Entertainment: $_________

• Shopping (Clothes, Household Items): $_________

• Personal Care (Skincare, Haircuts): $_________

• Miscellaneous: $_________

Total Variable Expenses: $_________

4. Savings and Investments

• Emergency Fund: $_________

• Retirement (401k, IRA, etc.): $_________

• Investments: $_________

• Specific Savings Goals (Travel, Home, etc.): $_________

Total Savings/Investments: $_________

5. Giving

(Donations, gifts, tithing, etc.)

• Charities/Donations: $_________

• Gifts: $_________

Total Giving: $_________

6. Summary

• Total Income: $_________

• Total Expenses (Fixed + Variable): $_________

• Total Savings/Investments: $_________

• Remaining Balance: $_________