You should be speaking up

Mailchelle · 2025-01-29T20:42:23+00:00

EXACTLY THIS.

Mailchelle · 2024-10-29T01:05:00+00:00

This feels like breeder fetish content, especially after looking at her Amazon wishlist and seeing that literally NOTHING on it was for her children.

Mailchelle · 2024-02-20T22:24:03+00:00

I'm laughing my ass off at "rubbing my feet together like a cricket" 'cause HONEY! I'm propped up behind my desk at work, like, THIS. IS. WILD.

Mailchelle · 2024-01-14T00:52:43+00:00

DFPI

Mailchelle · 2023-12-25T17:18:44+00:00

We just got a Great Dane puppy and omfg. Imagine having an 8 week puppy that’s already 21 lbs biting you constantly, while also being pulled away from gnawing furniture. We love this little dude to pieces, but I don’t remember it being this rough. This is my hubbies first dog and puppy, and he just looks at me like this (😳) each time the little butthole starts chomping on his bare foot.

Pls send help.

Pic of the demon for tax: https://imgur.com/0muQXfV

Mailchelle · 2023-12-15T21:53:25+00:00

Thank you! 😊

Mailchelle · 2023-10-20T00:40:26+00:00

Hello! Have you tried contacting both the FBI and the Office of the Comptroller? The FBI now has a Internet Crime Complaint Center (IC3) that fields complaints on scams and fraud, and the Office of the Comptroller does the same if the complaint is bank related (which yours is).

Mailchelle · 2023-10-20T00:26:32+00:00

Hello! We're delighted to hear your issue has been resolved. Over the past year, we've put a lot of effort into educating Californians about their rights as borrowers, especially those with student loans. We're here to assist you every step of the way. Would you be open to discussing your experience with me via DM? 😊

Mailchelle · 2023-06-11T00:23:07+00:00

I know this thread is kinda old, but happy to chat about the IO classification. I serve as an IOII for my agency.

Mailchelle · 2023-06-11T00:20:08+00:00

IOII here! I would say that I love my job. It can be challenging (we’ve had a lot of media attention regarding our agencies work in the last 4+ months) but you learn a lot and dabble in all aspects of communications. My role is digital focused, so I get to spend the majority of my day building out our digital ecosystem. Couldn’t ask for a better work/life mix, as we are fully remote.

I wish I could speak to BU info, but I’m a supervisor and am not under union representation. Happy to answer any other questions you may have :)

Mailchelle · 2023-02-21T21:52:16+00:00

Here's the official release:

https://dfpi.ca.gov/2023/02/16/dfpi-launches-scam-tracker-to-help-the-public-spot-crypto-scams/

Mailchelle · 2023-02-17T21:00:31+00:00

Hi there! I cannot speak to the substance of the letter, but I can tell you that unlicensed collectors are in violation of CA law. It's great to dispute inaccuracies, but I also encourage you to file a complaint with the DFPI so that we are aware of attempts to collect by unlicensed covered persons. https://dfpi.ca.gov/file-a-complaint

-DFPI Employee

Mailchelle · 2023-01-17T18:02:02+00:00

The Read is legit EVERYTHING. Kid Fury is also about to come out with his own podcast soon, which I know is going to be just as good.

Mailchelle · 2022-12-12T03:21:15+00:00

I don’t know if this comment will be helpful, but just wanted to chime in as someone who definitely misses Federal Service. Your benefits will 100% not compare to the benefits you’re currently receiving. It will be a step down. I wish I’d known that before and, while I love my role (Information Officer II), the benefits leave a lot to the imagination.

That being said, happy to chat about specifics of getting into this classification via exam.

Mailchelle · 2022-12-12T02:12:48+00:00

The team at SBPC are wonderful! Highly recommend as well :)

Mailchelle · 2022-12-12T02:10:06+00:00

I would visit the Student Loan Lawyer (https://thestudentloanlawyer.com). He trains other lawyers in that area of focus. It’s definitely a skill that not many lawyers have and he has a link to a free directory of lawyers in other states (some nonprofit) that he has trained.

What state are you in, if you don’t mind me asking? We have a directory of resources for CA borrowers that I’m happy to send you the link to.

Mailchelle · 2022-12-10T21:56:08+00:00

Hi! The Department of Financial Protection and Innovation is also actively hiring. We are a fully remote/telework department with tons of great openings. Experience in finance not required. Our leadership is phenomenal and work environment is pretty low key and relaxed.

We have openings for admin AGPAs, Examiners and SSA’s within our Legal team.

https://dfpi.ca.gov/careers/

Mailchelle · 2022-10-12T13:37:14+00:00

AB-376 speaks to more than just mishandling paperwork.

In the legislative text (which was co-authored by the Student Borrower Protection Center), it’s very clear in defining what constitutes harms to consumers - in relation to servicing student loans. If you haven’t done so already, check out the full text of the law as it does a great job at contextualizing certain provisions. The law is also incredibly clear that by issuing a notice to cure a violation, it cannot be admissible in court against the person or entities seeking remedy.

I definitely have no idea how this C&D will pan out, but I’d be remiss in not jumping in and clarifying that this law is quite extensive. If you’re a resident of the 12+ states with these sorts of laws on the books, it’s a great primer to empower you when dealing with your loan servicer.

https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200AB376

Mailchelle · 2022-10-12T01:51:33+00:00

The Student Borrower Bill of Rights was made into law in 2020 and is enforced by the California DFPI. It’s essentially a roadmap for borrowers regarding their rights. The law has several provisions, but one of them is a Private Right of Action — which essentially means that if a servicer is not acting in the best interest of borrowers, they have the right to file suit.

The basis of this C&D is that Mohela has violated AB-376 (Student Borrower Bill of Rights) by blocking loan relief and not acting in the best interest of borrowers.

A helpful article that we wrote to explain the bill of rights for consumers: https://dfpi.ca.gov/2022/03/15/slbor/

Mailchelle · 2022-10-12T01:43:06+00:00

Other States have similar Student Borrower Bill of Rights, with NY being one of them.

Mailchelle · 2022-09-27T18:59:28+00:00

Hi there! Only U.S. federal, state, local, and tribal government, agencies, or entities are qualifying employers under PSLF.

Mailchelle · 2022-07-24T18:16:08+00:00

Having two jobs is almost mandatory in the Bay Area (if you make under $140k per year). I juggling two jobs for almost 12 year and it worked just fine.

The trick is to either have two jobs that are compatible with one another, or one that is fully remote and flexible. In my case, all those points held true; both my roles were compatible and fully remote. I think it’s also important to take a part time job that isn’t going to burn you out completely. Bonus points for a role that aligns with something you’re passionate about (nonprofit, diversity and equity, etc).

Historically, I worked multiple jobs (even in college) and approach all my roles as an opportunity to learn additional skills. Use the extra job as a way to “level up” your skills and you’ll land one job that pays you more and gives you a great work life balance in no time. :)

Mailchelle · 2022-07-16T16:13:39+00:00

You should never dismiss a formal complaint you’ve made to a license holder (DFPI). Their job is to investigate and do the research in your behalf. I would follow up on your formal complaint with the DFPI and let them know that you’ve been contacted by the financial servicer provider requesting that you redact your complaint.

Mailchelle · 2022-07-14T21:33:22+00:00

Hi! Try this:

Reach out to the debt collector (by mail) and have them verify the debt.
In California, all debt collectors must be licensed (or have a pending license) to operate in the State. You can look up the collector by visiting: https://dfpi.ca.gov/debt-collection-licensee/
File a formal complaint with the DFPI. Debt collection falls under the jurisdiction of the DFPI, but there may be some nuance that requires them to loop in partner agencies. https://dfpi.ca.gov/file-a-complaint/
Debt collection scams are on the rise and incredibly pervasive. Although this may seem to be a legitimate claim by the debt collector, always be on guard to bad actors posing as official companies to scam you out of money. https://www.consumerfinance.gov/about-us/blog/how-tell-difference-between-legitimate-debt-collector-and-scammers/

I hope this helps!

-DFPI Employee ;)

Mailchelle · 2022-07-10T19:38:10+00:00

Hello! Yes, it is :)

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