critically-yours:

diloolie:

feetlips:

cherryseltzer:

i just got a super predatory debt collection letter. it was for a $113 debt from citizens bank, who i had an account with when i was 16 (20 years ago). the letter appeared to be an offer to cancel the debt if i paid them $22.75. HOWEVER, the actual wording is, “The amount of the debt is $113.77 and we will accept $22.75.” so, no MENTION of canceling the debt, but the implication is there because many collectors of current debt offer to settle for a percentage.

at the bottom of the letter, it says:
“Because of the age of your debt, we cannot sue you for it and we cannot report to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making payments on the debt or making a written promise to pay.”

basically… i don’t owe this money anymore, the debt is so old they can’t legally sue me for it OR put it on my credit report, BUT if i take their generous offer of paying them $22.75… they can sue me for the full amount because making a payment makes the debt current.

no thanks, jefferson capital systems llc.

always, always read the entire letter! it is so important because of semantic awfulness like this! 

https://youtu.be/hxUAntt1z2c

On mobile so I can’t embed, but this John Oliver video on debt and debt buyers goes into exactly why and how OP got that letter.

banks are evil

greelin:

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the other day!!!

demifiendrsa:

Mob Psycho 100 II ED

ultraviolet-techno-ecology:

The normalization of stimulant-usage as the standard method of ensuring enough energy in the day to perform labour is itself a massive sign that the economic demands placed upon humans are inhumane.

I wish more people were aware that “Needing coffee just to wake up.” is a sign that your lifestyle is killing you - and that those who demand you maintain that lifestyle through economic coercion are endangering your wellbeing for profit.

callowestyouthintown:

Marnie: Shane, please, I’m worried about you, you just mope around and drink all day. What about your future?

Shane, horrifically hungover: I don’t want a future! I want to die!

Me, standing in the corner holding an adorable cartoon watering can, under the impression until this very moment that I was playing a lighthearted farming RPG:

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d-o-t-s:

reporter: so, phantom, what was the inspiration for the jumpsuit? any idols you looked up to, specific characters maybe?

danny: no i died in it lmao

reporter: you. you what

danny: yea lol wild right

glyph-of-wolves:
“ glyph-of-wolves:
“ therealkingzo:
“When the tea is HOT LAVA
”
This is a real problem, however while we don’t have this museum, we do have The National Museum of American Indian (yeah I hate the name too) that actually describes a...

transtlanticism:

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this is genuinely the FUNNIEST thing i’ve seen all day

omgthatdress:
“ murdershegoat:
“ murdershegoat:
“ leo dicaprio was nominated five times in twenty two years
amy adams was nominated five times in eight years.
it took her less than half the time it took him to get the same number of nominations.
her...
C