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#this was what we used to verify this script lmao
samyelbanette · 1 year
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Hi, I’m Kelley. I’ve been a debt collector for about three and a half years now.
Disclaimer that my experience is limited to credit card debt, and my advice may or may not be relevant to debts of other kinds (medical, etc). My knowledge is also limited to United States based debt collection practices.
But if you’re American and you owe a credit card company money….let’s talk:
- First off. When we talk to you, we have to verify your identity before we can give you any details. We normally ask for the last 4 of your SSN, your date of birth, and your address. Why? Because according to the FDCPA (Fair Debt Collection Practices Act), we cannot reveal the fact that you are in debt to anyone but you (or your spouse, if you have one).
If your mom or dad or boyfriend or girlfriend calls us, we cannot give them any information. If you want us to disclose information about your debt to them, you need to call (or email) us and tell us that.
-We are required to state, verbatim, on every call: “this is an attempt to collect a debt, and any information obtained will be used for that purpose”. Yes, TECHNICALLY, if we don’t say that, you can sue us for up to $1,000. But good luck finding a collector who is that stupid lmao?! In most cases, we’re looking right at a script while we’re on the phone with you…. 🤦‍♀️
-We used to be able to call you 3 times a day. Per new legislation, we can only call one time every 7 days….unless you give us permission to call more often. We will ask for that permission. Do not grant it.
-If you’re being harassed by calls, try saying “I would like to be placed on your do not call list” or “I am asking you to cease and desist.” Note: this will block future calls, but it won’t stop the credit card company from suing you.
-We will ask you where you work. It is in your best interest to (politely) avoid answering this question.
-If someone stole your identity and opened a credit card in your name, file a police report. In many cases, we can’t file a fraud claim without one.
-If you don’t recognize the debt we’re talking about (i.e. “I might have opened that card but it was so long ago I don’t remember”, “I had that card but the balance you said doesn’t sound right”, etc), ask for validation of debt. Basically we would then have to send you all the credit card statements we have on file and prove that the balance is correct. Any reputable collection agency will have these statements available, so this isn’t a get-out-of-jail-free card. But, we can’t make any more attempts to collect on the debt, until we confirm that you got those documents in the mail. So this is a good way to stall/buy time.
-If you’re ready to start making payment arrangements, don’t take the first offer we give you!! For example: someone owes us $1,000. I’m gonna offer them a plan of $83.33 per month for 12 months. Only after they say no, will I tell them that they also have the option to do $41.66 per month for 24 months. Why? Because I’m making commission on this shit lmao
-Ask if you qualify for a settlement. A settlement is, like, a deal, where we offer to let you pay less than you actually owe There’s normally a percentage we can’t go under. At my current job, that’s 60%. So, for example, if you owe us $100, I could offer you a settlement deal of $60, and you wouldn’t have to pay the remaining $40!
Settlements usually have to be paid as a lump sum, but sometimes you can get away with a monthly payment plan. Ask your collector.
-If you receive notification that you have been sued, call us before your hearing date and set up a payment plan voluntarily. If you let this go to court, 99.9% of the time, the judge will side with us, not you.
-Once we have judgment against you in a court of law, we can try and collect the funds involuntarily. In most cases, that means a wage garnishment. (This is why we ask where you work). We go directly to your employer and take 20-25% of your paycheck, depending on what state you live in.
Please note that yelling at your collector will not make the garnishment stop. 😭 We normally don’t file a garnishment unless you’ve been dodging our calls for years.
-Lastly, remember that collectors are people! We’re trying to make a living, just like you.
Debt collection is one of the best jobs an “unskilled” college dropout can get tbh! It pays way better than retail or food service. I get to sit at a desk, instead of standing in front of a cash register all day. And I get dental! Lol.
If you don’t verbally abuse your collector, they will normally try their best to come up with a payment plan that fits your budget. If all else fails, idk, lawyer up. 🤷‍♀️
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youchangedmedean · 3 years
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Deleted ‘Doggy Daycare’ Scene from 15x20
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Deleted Scene 23 from the ‘Final Draft’ Script
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With all this going on, I start to really struggle in school,(college classes) and end up dropping out. I start getting depressed, my kids are suffering for it. I get sued for custody of my kids by my in laws. It's been a total game changer for me. I only get creasing IF I don't use a moisturizing eye cream and usually after 5 hours of wearing said makeup (which is understandable). There is a slight tendency for my undereye to look dry IF I use too much powder but it's the ONLY method that's proven to lock in my concealer.. If you do it wrong, you could make things a whole lot worse and end up with a serious infection. Of course, if you are a diabetic or have any sort of circulation problem, never lance a blister on your own. In these cases, call your doctor for proper treatment instructions.. So it isn about "controlling the bodies of women", it is about supporting the rights of the baby to live. Everyone has a 단양출장안마 right to live and no person should be able to determine another person right to live. As for the other issues you have typed about, I believe you have been fed some left wing propaganda, because I don know any conservative who believes any of these things. Why? Because she in love? The film never sells this well enough for it to be believable. Ally doesn even get to properly accept his marriage proposal before Dave Chapelle character steps in and declares that yes, they get married, and YES, IT WILL HAPPEN THAT VERY SAME DAY!It a really weak, surface level script. The only reason her character works at all is because Gaga does a tremendous amount of heavy lifting to make Ally sympathetic, but the script itself doesn give two shits about her or about making her three dimensional and complex. Really, I'd say 50 cents to $1 for a 1mg. These I gave $1 for but only because the K Pins and Ativan were both $1 so fuck it lmao. The people I deal with are $1 for 1mg, no matter the benzo (unless Xanax, $2/1mg). I've never asked for the boogeyman inserts before so I can't verify what happens, just going off the many stories of these psychos (and we all know they're not a reliable source), but 단양출장안마 they share stories of asking for these inserts and being handed the TDLR version papers we all get instead and how they're like, "No, I want the actual insert!" and the employee not knowing what they're talking about and/or not having official inserts to just hand out. They all take this as proof information is purposely being withheld for nefarious reasons. Or the story ends with the health worker being schooled on what the inserts are, being in shock, and changing their minds right then and there on vaccines.. Actually, I agree. When I first typed this I was in a hurry and I was only thinking of the skill system and how your able to get all the skills by the end game. The character building just feels too controlled and does not have enough options for different variety. For lips, I choose between a nice neutral or something dramatic. On work days, I use Rimmel Moisture Renew in Dreamy (140). For a while I wasn really convinced; it a somewhat shimmery neutral with a little bit of peachy color. I need to independently research this lifevantage product before I feel comfortable letting her try it. I not comfortable with it being a strictly direct sales/mlm product, so caveat emptor really does apply. As you know, there already been a little damage done to her hair and I hate to further that with a product I know nothing about.
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vennilavee · 6 years
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fresh eyes
Pairing: sam wilson x poc reader
Summary: You’re a pharmacist in one of the busiest pharmacies in Brooklyn. When some of the Avengers start picking up their medications from your pharmacy, you know life is about to get infinitely more interesting.
Warnings: cursing, mentions of anxiety/PTSD
Word Count: 2497
A/N: Pharmacists never get any love! ANYWHERE- in books, in television, in fanfiction or anything lmao (maybe I’m biased). and also sam never gets any love so here we are.  I’m nervous for this cause I’ve never written Sam before, please let me know your thoughts! Enjoy!
12 hour shifts at the retail pharmacy were a walk in the park to you now, almost ten years after you had graduated from school. You remember when you were a fresh graduate and you remember how your feet and calves would ache from standing on your feet all day. You remember how you would always be hungry and you would end your shift with a pounding headache.
But now, you were a pro. You opted for comfortable shoes rather than stylish flats, you brought in enough food to last you the day, and you always kept cases of water and plenty of snacks in the pharmacy for you and your technicians. 
Most of your patients were well-mannered and kind. You had come to get to know many of them over the years. They knew you by name and whenever they came to pick up their prescriptions, they would give you a quick update on their lives and ask you about yours. They were almost like your family, in a way. You felt the ache when people sometimes moved away and stopped coming to your pharmacy. But of course, there were people who gave you an attitude when their medications weren’t ready or when you couldn’t get hold of the doctor for more refills for their medications. 
You gave attitude right back, though. In the beginning, you were afraid to. But then you realized that this was your house, that people shouldn’t talk to other people the way that they sometimes spoke to you. With their profanities and raised voices. So you gave the attitude right back, and you quickly became known as the pharmacist who would take no shit from anyone. You had thought that corporate would come down on you hard for being firm and feisty, but it was quite the opposite. 
You were the only one who had lasted this long in this particular pharmacy, and it was a title you wore proudly. This job made you get a thick skin and taught you things about empathy that you thought you already knew. 
Your staff was a godsend- always helpful, ready to take charge when necessary. They were like your family, too. You even hung out sometimes outside of work, when your schedules matched up.
Your pharmacy was busy almost all the time and Mondays were often the worst. Phones would be ringing off of the hook, people would be coming in and out. But you thrived in well-organized chaos. Because that’s what it was- despite all the noise, you were calm and level headed.
You think nothing of it while you verify prescriptions for Steven Grant Rogers. That was a common name, right? And then you verify prescriptions that a psychiatrist has called in for James Buchanan Barnes and Sam Wilson and you know this is not a coincidence. Your technician squeals in excitement- “do you think the Avengers will come here to pick up their meds?!” You scoff, because there’s no way that the Earth’s mightiest soldiers are going to pick up their medications at your pharmacy. Surely Tony Stark has his own personal pharmacy in that obnoxious tower that sat in Manhattan?
You are curious, though, at the medications that they’re taking. Some part of you is glad that they are treating their PTSD and anxiety appropriately, when you see the prescriptions for paroxetine, sertraline, and fluoxetine. You’re benignly proud of them for getting the help they needed. Your heart clenches at the thought of all the things they’ve gone through over and over and over again. 
You sincerely hope they stop by.
Sam Wilson and Bucky Barnes walk into the pharmacy and they’re both pleasantly surprised when nobody recognizes them. Or if they do recognize them, nobody says anything. They’re greeted with eager smiles and starstruck eyes, that they return.
Bucky picks up a pack of peanut M&Ms and Reese’s peanut butter cups before following Sam to the back of the store, to the pharmacy. There’s a line of three or four people, waiting to be called upon. The pharmacy must be short staffed today, because he sees you running back and forth from the computer inside the pharmacy to the bins behind the counter and helping patients as quickly and efficiently as you can. 
Sam watches you curiously when he sees your smile fall and your lips set into an annoyed line. 
“Can I speak to the pharmacist, please?” The woman in front of them asks you, ignoring your white coat that has pharmacist emblazoned in black print.
“I am the pharmacist,” You say, not bothering to keep the bite out of your voice.
“Oh, but you’re so young,” The woman says quickly, “I was expecting someone... else.”
You want to say, “were you expecting someone that didn’t have brown skin?” But you refrain and physically bite the inside of your cheek. The woman asks you about refills on a medication that she wants to pick up, and you tell her that you were unable to fill the medication because the doctor had not sent over the prescription.
And then she raises her voice at you, her eyebrows furrowing in irritation. You sigh and take it, allowing her to use you to get her frustrations out. Because it was your fault that her doctor didn’t send over her medications, right? 
Sam watches you grow almost bored at the interaction. You even play with the ends of your curly hair and push up your glasses, and he can tell you’re raring to roar back at her for raising her voice at you.
“Ma’am, I’m going to have to stop you right there. I can contact your doctor for you about the script, but I can’t fill something that I don’t physically have,” You say calmly, but Bucky and Sam can hear the venom on the tip of your tongue, “I would appreciate it if you didn’t raise your voice like that in my pharmacy.”
The woman sputters at you, as if you would dare to challenge her. She walks away, but not before timidly thanking you for contacting her doctor for her. You stop yourself from rolling your eyes as she walks away. 
“Hey, how can I help you today?” You turn the charm back on and give the two men in front of you a wide smile. As if you hadn’t been thinking of twenty different ways you could feign sickness and close the pharmacy early for the day not even ten seconds ago.
You feel your stomach drop to your feet when you realize that Bucky Barnes and Sam Wilson are standing in front of you, with grins on their faces. You’re certain you look like a fish out of water, with your wide eyes and mouth opening and closing without any words coming out.
“What happened to the woman who told that lady off not even five minutes ago?” Bucky smirks at you while glancing at Sam.
“Yeah, cat got your tongue?” Sam teases. 
“Well,” You manage to say, “It’s not everyday I’m in the presence of greatness.”
You ask them to verify their birthdates before retrieving their prescriptions and try to keep your hands from shaking as you ring them up. You’re certain you’re drooling every time your eyes meet Sam’s eyes. He even winks at you when he notices your staring and you don’t bother to look away. Sam doesn’t miss you push back a stray curl behind your ear, or the way your lips curl up into a smile, or the way your eyes light up at him. 
Bucky stares at the interaction between the two of you and feels like he’s watching a moment that maybe he shouldn’t be watching.
“That was the most flirting I’ve ever seen between two people who hardly exchanged fifteen words,” Bucky informs Sam once they leave and are in his car. 
Sam pushes his shoulder and tells him to shut the fuck up before he shoves him out of the car and Bucky rolls his eyes.
Sam and Bucky start to become regulars at your pharmacy after that. You wonder why they venture all the way from Manhattan to Brooklyn, when there are dozens of pharmacies around the Avengers tower. You realize that they don’t all live at the Tower when you verify their prescriptions- Steve and Bucky live together in Brooklyn and Sam lives not too far from them.
You try not to feel too much like a stalker, but hey, it’s your job right? To make sure that your patients lived where they said they lived?
You’ve even met Steve. He was just as polite as you thought he would be, with a slight flair for sarcasm. You’re surprised by how quickly these three boys have wormed their way into your life in such a short amount of time. Despite your quick 5 minute interactions, you look forward to the next time you’ll be able to see them.
Your technicians are equally as starstruck as you were when you first met them when you told them to ring them up on a particularly busy day.
Bucky noticed Sam’s pouting that day. He wouldn’t shut up about how pretty he thought you looked, with your curly, black hair tied up and strands of it falling into your face, with your white coat and your quiet confidence. He wouldn’t shut up about how he wanted to talk to you, just to even say Hi.
“You just want to make eyes at her,” Bucky says in a sing-song voice later that day, “And you wanna love on her- you wanna take her out on dates, take her home, you wanna-”
“Dude, are you serious? Are you fuckin’ eight years old?” Sam rolls his eyes at Bucky and punches his shoulder, “Tin man thinks he’s got jokes, huh?”
“I’ve got more than just jokes, pal-”
Sam lets him punch his shoulder back and he thinks to himself well, he’s not wrong.
Robberies in pharmacies, especially in the city were pretty common. It had never happened to you, so you hadn’t really thought about what you’d do in the event of one. You had heard from friends and colleagues that people would come in and demand all the cash and all the oxycodone/hydrocodone/Adderall/Vyvanse/anything that could be sold on streets for a profit basically. 
You should have probably prepared for this, you think mildly, as the man in front of you at the counter demands for all the cash while waving a handgun in your face. He is demanding for all the oxycodone, Adderall, Fentanyl, and Vyvanse in your safe. You barely even register the thundering in your ears or the shaking of your hands. 
You had stupidly told your technician to go home early for the night, since it was a Friday night and Fridays weren’t usually that busy. You couldn’t even give a silent signal to let your technician know to call 911. You wished you had gotten that emergency button installed beneath the counter that would automatically dial 911 for you, rather than having to use your phone. Another stupid move on your part.
Your hands are up in surrender, ready to comply. But then you think, who the hell does this guy think he is?
Another stupid move.
“What could you possibly need all that for?” You can’t stop your voice or your lips from moving. You’re terrified and yet it seemed that you didn’t know how to act. He looks momentarily surprised at you. You’re glad that nobody else is in the pharmacy- it’s just you and the front employees who you’re not sure know what’s going on.
You could scream, you think. You could scream and you’d probably be shot in the face. You could try dialing 911 but then you’d still probably be shot in the face.
So the obvious solution is to be a sarcastic little shit. Until you got shot in the face.
“Are you stupid? You stupid fuckin’ bitch-” 
“Alright, relax. There’s no need for names,” You say, gulping. Maybe you should stop being reckless and just acquiesce to his demands. You make your way over to the safe where all the pain medications, Adderall, and Vyvanse are stored.
Sam can smell the tension and he knows something is wrong when the store is eerily quiet. Goosebumps raise on his flesh unwillingly as he makes his way to the back, where he knows he’ll see your smiling face and your dimples.
He’s come alone this time and he came near closing time because he wanted to talk to you. Maybe even charm his way into getting your number. He doesn’t actually need anything, although he told Steve that he would pick up some Claritin since his allergies were picking up despite his super soldier serum. Old habits never really died, he supposed.
A frown his on his lips when he sees this man waving a gun in front of your face. And you’re mouthing off at him, as if his threats don’t scare you. As if you’re made of steel. But Sam sees your hands shaking and your eyes darting around for someway to get help. Your eyes meet his and you struggle to hide your surprise, but you manage to do it anyway.
Tension begins to leave your body when you realize that of course, Sam is here to save the day. His warm, brown eyes make you want to trust him, and you do. You did, almost instantly the first day you met him. You can’t thank his impeccable timing enough and you watch Sam disarm the guy from behind him. He didn’t even see it coming and within seconds, Sam has the handgun in his own hands and the man is on the floor.
All Sam wants to do is beat him to a pulp for threatening you, for waving a fuckin’ gun in your face. But he watches you, standing there warily. You lock up the pharmacy and dial 911 to let them know what has just happened.
You make your way to Sam and don’t realize that you’re shivering. The man is staring at the pair of you with such contempt in his face. It’s weird to you, that you’re staring the man who threatened to shoot you in the face right in the eyes, but here you were. 
When the cops arrive at the pharmacy to collect the stranger, you’re left alone with Sam.
“Hey,” You murmur to Sam, “Thanks. For being a hero and shit.”
“Can this hero have your number?” He waggles his eyebrows and you can’t help the grin that breaks out on your face.
“I suppose my knight in shining armor can have my number,” You agree and press a soft kiss to his cheek. 
“Walk me to my car?” You ask, leaving his embrace to gather your coat and purse.
This time, he’s the one who’s a little starstruck when you grasp his arm as he walks you to your car.
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bharatiyamedia-blog · 5 years
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Ananya Panday’s Schoolmate Blasts About Her USC Faculty Drama & Proclaims That She’s After SRK’s Son Aryan Khan!
http://tinyurl.com/y4ocqg6h Chunky Panday and Bhavna Panday’s daughter Ananya Panday is making headlines but once more however this time for not an excellent motive. One in all her schoolmates has put allegations on Ananya saying that every one this educational drama was to realize publicity. Throughout the movie promotions, Ananya was seen bragging about moving into the College of Southern California, “I used to be all set to go to school. I used to be going to USC (College of Southern California) to review, however wished to offer it one shot earlier than I left. So I went and auditioned for the movie. And fortunately, I acquired it. This can be a dream come true,” Ananya quoted to Pinkvilla. Ananya Panday’s Schoolmate Blasts About Her USC Faculty Drama & Proclaims That She’s After SRK’s Son Aryan Khan! Her mom Bhavna Panday additionally confirmed this in an interview with Pinkvilla in a Mom’s Day particular section and mentioned, “She mentioned it fairly a couple of occasions however we saved asking her to complete her training. However, I keep in mind she grew to become actually severe about it when she acquired into USC which is the school she wished to be in. Then, she acquired this provide across the similar time after which she determined to take this provide over faculty, which she once more struggled to get to. She informed me she desires to offer it her full and that is what she desires to do.” “I perceive that she is in the very best of arms. It’s Dharma and he or she couldn’t have requested for higher. However that one p.c, as a father or mother, I nonetheless fear so I informed Ananya to come back what might, I’m nonetheless holding on to that USC seat. Each semester, she would write a mail and each faculty encourages this. They love youngsters who come again with work expertise,” she additional added. In a current report by DNA, certainly one of her schoolmates named ‘Annieeepeee’ made numerous stunning revelations. She wrote that Ananya and her mom has been mendacity all this whereas about her admission in USC. Later, a Twitter person named Sapna (@adreamer393) shared a screenshot of Annieeepeee’s Insta tales on Twitter and wrote, “Discovered this on IF. What have I learn this superb morning on miss Annie? Gosh. LMFAO. What are these teenagers? #AnanyaPanday” “So the story goes, Ananya will get referred to as out by a faculty mate for saying she acquired a seat at USC which she didn’t. It was publicised by her mom on IG and in her interviews. Then she threatens the gal who uncovered her on Insta (simply acquired to realize it’s a non-public ig),” Sapna additional added. After posting this, she acquired a backlash and made her account non-public and made her present standing, “Go away me alone. That was a one-off thread.” Two years in the past, Bhavna posted an image of Ananya’s convocation and used hashtags like #NYU #USC. In accordance with Annieeepeee it was all Karan Johar’s plan to make use of ‘USC’ as a backup plan to get Ananya off the nepotism comment. She additionally spoke about Bhavna and mentioned that she lied about reserving a seat each semester for her daughter. She additional mentioned, “USC doesn’t lengthen their presents. In any respect. The one excuse is when individuals fall terribly sick that they’ll’t attend the school on account of medical causes. Like no less than say one thing plausible?” Ananya Panday’s Schoolmate Blasts About Her USC Faculty Drama & Proclaims That She’s After SRK’s Son Aryan Khan! She additionally talked about that every one her costly automobiles and holidays are funded by none apart from Shah Rukh Khan. She is BFF’s with Suhana Khan, SRK’s daughter and therefore all these luxuries come free to her. In truth, she talked about that Ananya and Shanaya Kapoor who’s Sanjay Kapoor’s daughter bully college students who can’t afford luxurious automobiles and designer luggage. Ananya Panday’s Schoolmate Blasts About Her USC Faculty Drama & Proclaims That She’s After SRK’s Son Aryan Khan! She additional made yet one more large revelation about SRK’s son Aryan Khan and mentioned, “You referred to as him bhaiya at school lol and also you need to have him now?…as a result of Dharma + Crimson Chillies is the final word mixture to rule Bollywood.” Ananya Panday’s Schoolmate Blasts About Her USC Faculty Drama & Proclaims That She’s After SRK’s Son Aryan Khan! Ananya then apologises to her schoolmate and DM her on Instagram saying, “Ananya will get scared AF that media or BW twitter will decide this up and apologise – making the cardinal sin of validating every thing that was mentioned – by DMing from her OFFICIAL INSTAGRAM ACCOUNT. Can’t make this up. The dumbness lmao,” Sapna shared this on her Twitter account. Ananya Panday’s Schoolmate Blasts About Her USC Faculty Drama & Proclaims That She’s After SRK’s Son Aryan Khan! Later in an interview with IANS Chunky Panday mentioned, “Sure, she acquired into two universities, however didn’t go as a result of she acquired the movie… I don’t assume she can be going to the college now. She can be working in Bollywood now…Ananya is a good scholar, however proper now her focus is on movies.” Don’t assume Ananya will go to varsity now: Chunky Right here’s how Twitterati reacted to this information: What is that this? I do not perceive. — simplypurple 🦋🥀💋🖤 (@4simplypurple) May 22, 2019 @jiteshpillaai you fortunately insulted a hard-earned “Chandivali to Cannes” journey, however too scared to show a starkid’s Excessive College Bitch to Dharma Productions’ heroine journey?🙄 #ananyapanday Humorous how all you media folks staying quiet about what she’s performed @pinkvilla @iFaridoon — Preeti Ishaqzaadi (@Ishaqzaadiii) May 22, 2019 Learn this thread! Screenshots from her non-public Insta. Typical elitist biatch. The way in which she’s boasting about her relationship with Aryan Khan is CRINGE lolhttps://t.co/FoI9ewjakN — Preeti Ishaqzaadi (@Ishaqzaadiii) May 22, 2019 Ananya Panday is an immature child and MUST BE saved underneath grownup supervision. She used her VERIFIED account to mainly admit to what has occurred.. if that ain’t fuckery 101 then idk what’s🤣 pic.twitter.com/x3R41y4sm2 — RB (@piggy_chopps) May 22, 2019 Inform us what you consider this typical Dharma Manufacturing’s drama. Full marks to Karan Johar for this one? Android & IOS customers, obtain our cellular app for sooner than ever Bollywood & Field Workplace updates! (function(d, s, id) { var js, fjs = d.getElementsByTagName(s)[0]; if (d.getElementById(id)) return; js = d.createElement(s); js.id = id; js.src = "http://connect.facebook.net/en_US/sdk.js#xfbml=1&version=v2.8&appId=379203805755441"; fjs.parentNode.insertBefore(js, fjs); }(document, 'script', 'facebook-jssdk')); Source link
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