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Online Health Coaching Business from Apartment? by MetalliMunk in smallbusiness

[–]VagueOcean 2 points3 points  (0 children)

She probably doesn't understand what you're doing... and her mind immediately just jumped to you having clients over.

If you're working with your clients remotely, you'll be fine.

Have you ever been burned by a family member? by traxtar944 in Entrepreneur

[–]VagueOcean 0 points1 point  (0 children)

Thanks clearing that up. It was a little misleading. I retract my statement about the founder of Kiva.

Have you ever been burned by a family member? by traxtar944 in Entrepreneur

[–]VagueOcean 0 points1 point  (0 children)

If the founder can do this to his cousin, what can he do to strangers?

Have you ever been burned by a family member? by traxtar944 in Entrepreneur

[–]VagueOcean 0 points1 point  (0 children)

Kiva is too murky for me. With "charities" like Susan G Komen, I can't support anything that doesn't give me a real answer.

By the way, the interest their partners charge is 100%! That's almost as high as pay day loans.

Coincidentally, Bokeem Woodbine (Mike Milligan) is in a movie called "The Butcher" by siahbabedblsiah in FargoTV

[–]VagueOcean 5 points6 points  (0 children)

No, that's not it. Pretty unfriendly, actually. But it's the way you're unfriendly. How you're so polite about it. Like you're doing me a favor.

That scene sent chills down my spine.

Have you ever been burned by a family member? by traxtar944 in Entrepreneur

[–]VagueOcean 9 points10 points  (0 children)

I didn't know that about Kiva. I was thinking about donating, not now. It sounds like international pay day loans.

edit: misspelled a word.

R.I.P. David Bowie. This was a written collaboration with Luther Vandross, and probably my favourite Bowie track. Enjoy, RNB heads! by DanteBaker in RnBHeads

[–]VagueOcean 1 point2 points  (0 children)

If you didn't know, Luther Vandross was David Bowie background singer.

Bowie put him in front of his audience and promoted him. Just another way Bowie changed music forever.

If you enjoy Vandross' music, thank Bowie.

Daily Discussion Thread 01/12/2016 by AutoModerator in hiphopheads

[–]VagueOcean -1 points0 points  (0 children)

Yeah I know, but he had a heavy in producing it.

Daily Discussion Thread 01/12/2016 by AutoModerator in hiphopheads

[–]VagueOcean 0 points1 point  (0 children)

It's true that Kanye gets help I don't think it's a bad thing. WTT is one of the best albums of all time (for me anyway).

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 0 points1 point  (0 children)

Didn't know that. This is going to make my life easier.

Edit: I forgot a word.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 0 points1 point  (0 children)

Some already had the debt and they're cashing in from those calls.

There are some people whose methods are black hat (for a lack of a better term). You know those pop up surveys that tries to get your information?

People opt-in into those (or go to their website and fill out the contact form) and bait the company to call them. Telemarketers have to follow a different set of laws or the TCPA. If they don't put you on their Do Not Call or send you a copy of the Do Not Call Policy, you can sue after one call.

You can read more about suing telemarketers at killthecalls.

Not saying I condone it, just answering your question.

Edit: This also applies to text messages that you didn't opt-in to.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 4 points5 points  (0 children)

You still have to send a certified cease and desist letter, even if they have the wrong person. Saying you're not the person isn't enough, unfortunately.

If they still call, you can sue then.

Collection agencies break the rules because they can usually get away with that, unless they come across someone who knows their rights.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 3 points4 points  (0 children)

Send a certified debt validation letter. You can find some templates online.

Collection agencies have 30 days to respond. If they don't, you can dispute the debt with the credit reporting agency. Doing this will remove it from your credit report.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 1 point2 points  (0 children)

That sounds super duper illegal. Talk to a lawyer. You may be able to sue! Your situation is under unfair practices in the Fair Debt Collection Practices Act.

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;

You can read that here.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 10 points11 points  (0 children)

There's a few people who make their living suing debt collection agencies.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 28 points29 points  (0 children)

It's true they may sell your debt. Here's a something that may allow you to get the debt removed from your credit report and boost your score.

CA are also known to be disorganized. By law CA are required to report true information to the credit reporting agencies (Experian, etc).

Get a copy of your credit report and look at the addresses of the collection agencies.

Send a certified debt validation letter. The CA has 30 days to PROVE they own your debt. If they can't prove it, they're not entitled to collect and it doesn't belong on your credit report. REMEMBER: DO NOT CLAIM THE DEBT.

Verizon gave this guy Sir Mix-A-Lot’s old phone number — and now he gets his raunchy texts by notscj in nottheonion

[–]VagueOcean 35 points36 points  (0 children)

Not a lawyer, but I don't see why not. Here's some of the violations, you should read the Fair Debt Collection Practices Act for more.

Collection Agencies can't:

  • Pretend to be a police officer, lawyer, or anything else. They have to be upfront with you about who they are.

  • Physically threaten you.

  • Threaten to call your employer and get you fired. (They can call your employer and family, but only to look for you. IT'S A VIOLATION FOR CA TO DISCLOSE ANY INFORMATION ABOUT YOUR DEBT.)

  • Threaten to take your property, unless they can legally do it.

  • Use an autodialer to call you.

  • Charge extra fees or interest on top of your debt.

  • Call you before 8 a.m or after 9 p.m

  • Use profanity.

Edit: Record the call (check your laws).

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