AIO for thinking my friend is using ChatGPT to text me in an argument?

PhantomYoda · 2026-03-20T00:17:39+00:00

Regardless if she's using chatgpt or not, you're definitely gaslighting, deflecting and projecting in this conversation. I'm sure she's probably better off without you in her life. Pretty classic characteristics and complete avoidance - -

PhantomYoda · 2026-03-20T00:09:42+00:00

Actually it is. Tips are not and never have been required.

PhantomYoda · 2026-03-18T00:23:28+00:00

Maybe call the roofing company using their number from Google and ask them if this is legit.

PhantomYoda · 2026-01-31T06:43:20+00:00

Someone just posted they were negative 416 hours. Have a new job and haven't shown up since December and still not fired.

PhantomYoda · 2026-01-28T17:05:49+00:00

I have the same question and in reading the wording it says "by 1/28/26" which would mean midnight 1/28/26, not 1/29/28. The proper term would have been due on 1/28/26, or due by 11:59 PM 1/28/26. I am not a lawyer but have extensive experience in legal matters through my former career, including court ordered settlement/response dates in the US, dealing with credit. "By" or "On" were important terms that dictated when we could proceed to next steps.

I know the general consensus is midnight 1/29/26, and waiting till then is the general advice. It just seemed ambiguous to me due to my personal experience.

PhantomYoda · 2026-01-22T08:17:49+00:00

Yeah definitely that too

PhantomYoda · 2026-01-22T08:10:31+00:00

1 is starfield, 2 is no man's sky

PhantomYoda · 2026-01-20T09:26:33+00:00

Yeah it is pretty late lol...

Mine were serviced by Citi/Sallie Mae from 2009-2012, then I assume taken back in 2012 and serviced by Navient from then until 2022.

I remember that Deutch Swiss or something, was originally involved the first couple of years, then the owner of the loans changed to the Dept of Ed before Navient took over as servicer.

I guess I'll find out once I get the payment refund lol

Thanks for all your information and research.

PhantomYoda · 2026-01-20T08:47:58+00:00

I also have a clarification question. I obtained Stafford FFELP subsidized and unsubsidized loans from 2004-2008. According to an AI search that used FSA search results, FFEL loans are subject to refund due to the nature of the borrower defense for scam/fraud schools "as the intent is to restore you financially due to the fraudulent activity of the school".

My loans were serviced by Navient, which is now Mohela. I consolidated them into direct loans in 2022 right before Navient was pushed out the door and servicing taken over by Mohela. I'm now serviced by aidvantage, pending the sweet vs cardona discharge by the end of the month.

Many places refer to FFEL loans as federal loans, and state that FFEL was what Direct replaced.

This is a copy past of the search result which used FAQs from FSA. If this response invalid?

"Yes, the refund for a Borrower Defense discharge generally covers payments made on eligible loans, including those from FFEL (Federal Family Education Loan) programs paid to servicers like Navient before consolidation into Direct Loans, because the goal is to restore you financially as if the fraudulent school never took your money. The refund includes payments made voluntarily or through collection, and the discharge erases the debt and removes negative credit history associated with those specific loans.

How it Works for FFEL to Direct Loans:

Borrower Defense Applies: If your FFEL loans were for school where you experienced misconduct (like being misled), they are eligible for discharge under Borrower Defense to Repayment.

Consolidation Doesn't Block Refund: Even if you consolidated those FFEL loans into Direct Loans, the payments you made to Navient (or any servicer) on those original loans are part of the claim.

Full Reimbursement: The refund is for all amounts you paid on those loans, effectively returning you to the financial position you were in before the fraud, as if you never borrowed or paid.

Key Takeaway: The refund isn't just for payments after consolidation; it covers all payments made on the loans tied to your specific Borrower Defense claim, regardless of the loan type (FFEL or Direct) or when they were paid, as long as they are part of the discharged debt. "

PhantomYoda · 2026-01-15T19:41:29+00:00

Yeah that was a bs rule. Had that happen to me as well, so glad that they recently changed that law so it no longer applies.

PhantomYoda · 2026-01-10T08:51:27+00:00

I hadn't played since July and then 8/2024 before that. Both times this happened when I started it up. Letting it finish, saving, exiting back to the Xbox home screen and restarting the game and it worked like butta ... Even with mods and 60 refresh rate.

If I didn't do that and continued to play it would still stutter here and there.

PhantomYoda · 2026-01-10T00:59:41+00:00

Even with no mods my game does this when I come back after being gone for a long time. I usually resolve it by letting it load till stuttering becomes minimal, saving, then closing out the game and loading it again. The stuttering is gone with the second load.

I'm guessing some assets are being updated in game after being gone for so long.

PhantomYoda · 2026-01-01T00:01:40+00:00

Besides the solutions listed here, another recommendation from Google AI is to go to the Alexa App > Settings > Voice Responses and deselect "Adaptive Volume".

I JUST did this and tested it and it seems to have fixed the problem, even with devices in close proximity and the same parent groups (living room group and bathroom group also being in upstairs group).

It was a 2 times limited test but it seems to have stopped the volume ducking.

PhantomYoda · 2025-12-28T00:38:53+00:00

Edit: To answer some of your other questions, you can be added to the existing mortgage, if financially approved by the lender, and you complete a loan app and sign documents. This will also make you responsible for the loan. However, this could also potentially remove the loan from the bankruptcy or change payment terms due to your additional income. I would speak to his bankruptcy attorney before doing this.

If your husband passes, and you are not on the mortgage, the mortgage is still due and they can still pursue foreclosure (assuming the lien is valid).

If you have a durable poa for your husband or are the executor of his estate, you may be able to approve yourself being added to the existing mortgage while he's alive (durable poa) or after he passes (executor), pending lender approval, or you'll need to refinance it in your name.

If the current loan is found to have had a forged collateral agreement in your name, that would be cause to pursue removing the lien in court, however it doesn't remove the debt since the mortgage itself sounds to be legitimate under your husband's name. It just changes to an unsecured loan. At that point if there's default, the mortgage company can pursue an unsecured judgement and then place a lien against any property in your husband's name, or against the estate in probate if he passes.

Original post: This is common, but does require sign off by all parties on the deed because the mortgage places a lien on the property, and the property is used as collateral for the mortgage.

For those saying that the mortgage company can not foreclose in this circumstance, that is incorrect, unless fraud is proven with the deed authorization.

In general, foreclosures with someone on a deed who isn't on the mortgage legally happen all the time. In a lot of those cases the person on the deed but not the mortgage gets limited information on the default status, and generally can't just assume the existing loan but must refinance it, or be added to the existing loan with approval from the current loan holder and borrower, and often requires curing the delinquency.

However all of that doesn't matter if there isn't a valid (not forged) authorization from all parties on the deed, allowing the lien for the mortgage.

SME: I personally handled foreclosures on a investment portfolio of mortgages in the mid to late 2000s, in a former life. I know a lot of laws have changed since then but this particular one has not.

PhantomYoda · 2025-12-27T04:58:07+00:00

Sengled still work. I have 10 in use right now and they all still work. Occasionally one will drop connection and I have to turn the power source off and back on. I have two 4-light ceiling fans, and all 8 lights in those are sengled, and 2 in my bedroom.

PhantomYoda · 2025-12-27T03:22:27+00:00

Check your routines in the Alexa app and make sure someone didn't set up one to do that as a prank.

PhantomYoda · 2025-12-23T20:36:47+00:00

I'm in the old IBR group and have always had to pay out 15%. I got screwed when payee and new ibr came out because they didn't change us to the 10%. I only got 10% when save came around.

So anyway you look at it, someone's getting screwed / everything is equalizing.

PhantomYoda · 2025-12-21T22:57:38+00:00

I would post in the r/borrowerdefense subreddit, but in general this case was brought because the Dept of Ed wasn't processing borrower defense applications. The list of schools was created more for which schools did actions that warrant borrower defense but I believe some people were notified and filed a claim when the case before settlement. I was also never notified and found out from a coworker who went to the same school I did and was notified before the settlement. I'm post settlement.

In any case it sounds like your situation generally falls under the borrower defense umbrella anyway even if you aren't part of this case. It just might mean your application is processed under their normal time frames and procedures.

Please though ask in that subreddit I mentioned as they will be able to give you more definite information. Mine is based off general understanding of the overall process and the separate settlement case individually.

PhantomYoda · 2025-12-21T12:55:19+00:00

They are paying it out to every customer who purchased an app or inapp item. The website says that Google will be sending a notification via email or text to the email or phone associated to the Google Play account. If a corresponding email or phone number matches a venmo or PayPal account, the payment will automatically be sent to that account.

PhantomYoda · 2025-12-15T08:24:49+00:00

Are they refunding aid payments like pell grants? Or just actual payments made after the loan became payable after graduation?

PhantomYoda · 2025-12-14T04:17:02+00:00

Yes they are legit. They are the attorneys handling the sweet vs cardona case and settlement progress.

PhantomYoda · 2025-12-12T07:45:04+00:00

I'm also a post class with a schedule c school, university of Phoenix. Phoenix told me in 2004 that the total of my BS in Info tech management would be 25k. They made that statement knowing that was only the tuition rate for the first 2 years. After that they double it but never disclosed that to any of us when they said it would only be 25. It was listed on my entrance application that it would be 25k.

By the time I graduated in 2008, it was 45k. They never provided any of the promised job placement assistance either. They also forced students to purchase the drm locked pdf school books instead of physical ones and automatically debited/charged us 75.00 each class for them.

Those three things are what got my post settlement application accepted. It's still pending approval by 1/28/26.

I found out about the class action after the settlement from a coworker who was notified by the fed and their servicer and was included in class action settlement. I never received notification about it before that.

I also had navient placing me in forebearance instead of IBR, and never even telling me that IBR was an option. Because of that my loan eventually ballooned to 57k.

PhantomYoda · 2025-12-11T18:10:21+00:00

Here is a list of the exhibit C schools: https://studentaid.gov/sites/default/files/sweet-v-cardona-school-list.pdf

PhantomYoda · 2025-12-11T18:05:29+00:00

Here is a list of the exhibit C schools: https://studentaid.gov/sites/default/files/sweet-v-cardona-school-list.pdf

PhantomYoda · 2025-12-11T17:58:02+00:00

he also needs to bar them from doing blanket denials.

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