@mikewas@esq.social
@mikewas@esq.social avatar

mikewas

@mikewas@esq.social

A Florida lawyer helping people fight and win against abusive and unfair debt collection.

This profile is from a federated server and may be incomplete. Browse more on the original instance.

mikewas, to random
@mikewas@esq.social avatar

Debt collectors don't have to prove anything to you.

There's only one time a debt collector has to prove anything, and it's never in response to a letter or other dispute from you.

πŸ‘‡

mikewas,
@mikewas@esq.social avatar

The law does NOT require them to send you "proof" of the debt after you dispute.

It does not require them to send you proof of ownership.

It does not require them to send you a wet-ink contract.

It does not require them to send you anything at all, besides the most basic information about your account.

The only time they have to prove anything is... when they're in court.

πŸ‘‡

mikewas,
@mikewas@esq.social avatar

If they sue you for the debt, then yes, they'll have to bring evidence of the debt and their right to collect.

But what if they don't sue you? What if you still want proof?

πŸ‘‡

mikewas,
@mikewas@esq.social avatar

Then you find a way to sue them.

We've got a free email course on the 53 ways a debt collector might break the law in a way that allows you to sue them. And when you sue them, you get to expose the fact that they can't prove the debt. (And that, too, is a violation by them.)

Want to find out how to take a debt collector to court? Go to the link below.

mikewas,
@mikewas@esq.social avatar

Here's the link for the sign-up:

https://ricardolaw.com/fdcpa-course-sign-up

mikewas, to retirement
@mikewas@esq.social avatar

A lot of people think they can't be garnished but they don't really know what that means.

They've seen videos or read information telling them that certain income sources, like social security benefits, can't be garnished by a debt collector, and they think that makes them safe.

πŸ‘‡

#FDCPA #DebtCollectors #JudgmentProof #SSD #SSI #DisabilityBenefits #Retirement

mikewas, to random
@mikewas@esq.social avatar

It's polite to respond to a letter.

But it's not required.

When you send a dispute letter to a debt collector, you might think they have a certain time limit to respond to you with the requested information.

A lot of people do think that.

But it's wrong.

πŸ‘‡

mikewas,
@mikewas@esq.social avatar

A debt collector never has to respond to you if they don't want to.

They just have to stop collecting until they do.

So if you've sent a dispute letter and you're looking into an empty mailbox, it's likely they've just given up on you.

And sometimes, that's exactly what you want them to do.

fraying, to random
@fraying@xoxo.zone avatar

Today is a great day to see how much our algorithm overlords really know about me, because if they show me one fucking thing about a certain sporting event, I’ll know that they don’t know me at all.

mikewas,
@mikewas@esq.social avatar

@fraying You can’t escape the World Curling Championship that easily.

Jaden3, (edited ) to random
@Jaden3@mastodon.social avatar

So I'm 19 this is the first election I can vote. I don't know anything really before Trump or Biden. I was like 12 when Trump was first made president!
I ain gon lie I know shit πŸ˜‚ but I gon vote period!
Who should I vote for?
Add yall reason in da replies and other so I know who yall talking bout.

mikewas,
@mikewas@esq.social avatar

@Jaden3

What do you hope the world should look like and what role do you think the leader of our country should play in getting there?

Once you answer those questions, you should have no trouble making your choice.

kfury, to random
@kfury@mstdn.social avatar

I had to log back in to Musk's hellsite to shame-request support from Uber.

I feel triply dirty.

mikewas,
@mikewas@esq.social avatar

@kfury There may be no way to wash the stink off.

mikewas, to random
@mikewas@esq.social avatar

It's a nasty surprise, and it comes from the worst possible place: your boss.

When a debt collector garnishes wages, the first person they have to tell is not youβ€”it's your employer. So the garnishment is almost always a surprise.

Even worse, many people who get their wages garnished don't even realize there's a court case against them.

Here's what you should do if you get a garnishment for a debt you didn't know about.

πŸ‘‡

mathowie, to random
@mathowie@xoxo.zone avatar

I just realized if you’re a guy working at an office job with others and you have to dress up for Halloween, Indiana Jones is the most modern day business casual option (hat, white dress shirt, satchel, khakis)

mikewas,
@mikewas@esq.social avatar

@mathowie But are you bringing the bullwhip or nah?

mikewas,
@mikewas@esq.social avatar

@mathowie I think you have to go big or go home. οΏΌ

ai6yr, to hamradio

cover story. Slight problem visible.

Zoom on ham radio. Missing power connections. And coax.

mikewas,
@mikewas@esq.social avatar

@ai6yr β€œThe bands are dead.”

mikewas, to random
@mikewas@esq.social avatar

Finding a debt collection violation gives you so much leverage, it's worth knowing what to look for.

Here are some common ways debt collection communications break the law:

πŸ‘‡πŸ§΅

mikewas, to random
@mikewas@esq.social avatar

In case you're confused about the new brandingβ€”what do you click to close a window or shut down a program?

#X

mikewas, to random
@mikewas@esq.social avatar

The best quality-of-life improvement I've made in the last six months, hands-down, is customizing a keyboard shortcut in Word for "Replace All."

That Word for MacOS doesn't have a shortcut by default is borderline criminal.

mikewas,
@mikewas@esq.social avatar

Next, let's discuss the war-crimes liability that there's no "paste without formatting" keyboard shortcut.

mikewas,
@mikewas@esq.social avatar

@dimi Not on Mac.

mikewas,
@mikewas@esq.social avatar

@dimi My Mac is pretty new, and those shortcuts work for everything but MS Office products. This is a Microsoft issue and a deliberate choice by them.

fraying, to random
@fraying@xoxo.zone avatar

The conversation about how crypto can help underserved people should be over the moment you realize that 99% of crypto is a scam and the other 1% is hypothetical.

mikewas,
@mikewas@esq.social avatar

@fraying the way a lit match and a gasoline can solves arson.

mikewas, to random
@mikewas@esq.social avatar

Just a reminder:

You can get accurate, timely weather information from the National Hurricane Center at NOAA:

https://www.nhc.noaa.gov/

mikewas, to random
@mikewas@esq.social avatar

I’ve been noticing that has not been functioning properly this week (notes are terrifically slow to load), and it looks like many others are having the same problem.

Any word on when they plan to fix that?

mikewas, to random
@mikewas@esq.social avatar

When should you ask for the "wet-ink" contract, if you're dealing with a debt collector?

Should you do it in your dispute letter?

Should you wait until you're in court, challenging their right to collect?

Should you do it with an ID theft case?

πŸ‘‡πŸ§΅

  • All
  • Subscribed
  • Moderated
  • Favorites
  • β€’
  • provamag3
  • thenastyranch
  • magazineikmin
  • InstantRegret
  • Durango
  • rosin
  • Youngstown
  • osvaldo12
  • slotface
  • ngwrru68w68
  • everett
  • mdbf
  • kavyap
  • DreamBathrooms
  • Leos
  • PowerRangers
  • cisconetworking
  • vwfavf
  • tacticalgear
  • ethstaker
  • khanakhh
  • tester
  • GTA5RPClips
  • normalnudes
  • modclub
  • cubers
  • anitta
  • megavids
  • All magazines
    •