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#writing on money is illegal

tofuingho · 2 months

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Omg.

I just had a thought and now I'm tearing up.

The thing about writing on money, is that it doesn't really damage the money. The money is going to stay in circulation.

Imagine having a really rough day, so you go and buy a little treat, and your change has a little heart on it.

Imagine being Jiwon and years after your dad passes, you get a bill with one of your dad's hearts on it.

#marry my husband #writing on money is illegal #but omg #jiwon's dad is best dad

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alfairy · 6 months

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Warner Bros once again cancelling a fully completed animated film that was well received by test audiences, just so they can cheap out and use it as a tax write off

#ceo of warner bros go step on a lego challenge #tax write offs should be illegal #if y’all struggling this hard for money make better financial decisions or sell out to a bigger company for fucks sake

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darkforestdreams · 3 months

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Can a Youtube employee that actually cares (if there is one...) please kindly get the spamming bots TO FUCK OFF!?! HONESTLY, I'M READING THE COMMENTS ON FILM THEORY AND BIG BUSINESSES USING AI ILLEGALLY AND ALL I SEE IN THE REPLIES IS

"MaTpAT iS lEaViNg I'M hAvInG a PaRtY mY tHeOrIeS aRe BeTeRRR"

Stupid. FUCKING. BOTS! IN A VIDEO ABOUT AI THEFT AND BIG BUSINESSES USING PROPAGANDA TO EASE THE AVERAGE PERSON INTO ACCEPTING AI ART AND ACTORS!

I don't know what's worse; the disrespect to the topic and MatPat, the irony of the situation, or how there don't seem to be any comforting facts in the videos about AI theft. We're all just frogs boiling, like he said.

I'm probably overreacting. It's just there so much shit going on in my life right now that I don't feel comfortable talking about. I don't want to trauma dump on my friends. I don't want to pour all of my emotions out on some post that takes hours to make and nobody even notices.

I'm just going to go see if I can distract myself because it's all I can do. Barely works, but it's the only thing I've been able to do for months without getting snapped at for DARING to have emotional responses to a shit situation.

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neon-danger · 1 year

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I wish we could just pay you to write fics and that could be your job because you are awesome and you are one of the main ones keeping the Jalex fandom alive

I think it’s illegal to make money this way

#like that’s copyright infringement #and like using someone’s real life persona without their permission #like fanfiction in this genre is already morally gray enough as is #to make money off of it is illegal #who are you paying to write fanfiction for you #because you should not do that #that’s theft #harley answers

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themirokai · 1 year

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I got this comment on a story from my Other AO3 Account this morning.

(Info redacted because I prefer keeping these accounts separate but no one follows me on the side blog I have for that account.)

The story was posted almost a year ago and is relatively “popular” by my average statistics even though it has tropes and themes that are big turnoffs for a lot of people (hence separate accounts). This popularity is undoubtedly because it’s a Marvel Loki story and that fandom is massive.

So there is obviously an algorithm or a bot scrubbing ao3 statistics and leaving this comment on fics that meet a certain metric with the main character of the fic inserted into the comment.

I had a little time to kill this morning so I decided to investigate further. And y’all this is so predatory. Come on this journey with me. It made me mad. It may make you mad.

First, if you go to Webnovel’s website, you HAVE to choose between male lead or female lead stories before you can go any further. WTF?

And that’s weird, but this gets so much worse. This is basically a pay-to-read site that has different subscription models. Which… okay BUT! The authors don’t get paid! Look at that comment again. They’re promising a supportive and nurturing community, but zero monetary compensation. It’s basically, “post your stuff here so we can get paid and you can get… nice vibes?” I mean look at this Orwellian writing:

Using the phrase “pay-to-read model” in the same sentence as “qualitative changes in lifestyles for authors” deliberately makes you think that you can get paid and maybe even make a living on this website. But that’s not actually what it says and authors will not receive one red cent.

Oh but wait, the worst is still to come. In case this breaks containment (which I kind of hope it does) this is where I mention that I’m a lawyer in the US.

I don’t do intellectual property or copyright law but I do read and write contracts for a living. So I went to look at their terms of service. It was fun!

Highlights the first, in which Webnovel gets a license to do basically whatever they want with content you post on their site. This is how they get to be paid for people reading authors’ writing without paying them anything.

Highlights the second, in which Webnovel takes no responsibility for illegally profiting off of fan fic. This all says that the writer is 100% responsible for everything the writer posts (even though only Webnovel is making money from it).

Highlights the third which say that by posting, the author is representing that they have the legal right to use and to let Webnovel use the content according to these terms. So if a writer posts fan fiction and Webnovel makes money from people reading the fan fiction, and the House of the Mouse catches wise, these sections say that that’s ALL on the writer.

So that’s a little skeevy to start off with but the thing that is seriously shitty and made me make this post was that these assholes are coming to ao3. They are actively recruiting people in comments on their fan fiction. And they are saying they are big fans of the character you’re writing about and that they share your interests.

They are recruiting fan fiction writers and giving every impression that you can make money from posting fan fiction on their site and hiding the fact that you absolutely cannot but they can make money off of you while you try, deep in their terms of service which no one but a lawyer who writes fan fic and has some time to kill will read.

I see posts on here regularly from people who don’t understand how this stuff works, don’t understand that they (and others) can not legally make a financial profit from fan fiction. And there are tons of people who will not take the time to dig into the details.

Don’t deal with these bastards. Fuck Webnovel.

#went down a rabbit hole #got mad #webnovel #this is a scam #how to ao3 #fan fiction #please spread the word #long post

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w1ng3dw01f · 2 months

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Fellas, fellas

Why on earth are you BUYING PHYSICAL BOOKBOUND COPIES OF FANFICTION????

ACTUALLY WHY ARE YOU EVEN BOOKBINDING FANFICTION TO SELL?!?!?!

IF ANY OF YOU DO EITHER OF THESE THINGS, GET OUT!! I AM NEVER SPEAKING TO YOU AGAIN.

In all seriousness though, authors on AO3 have begun to pull their works off of the site to avoid getting sued by people stealing their works to make a pretty bound book for profit. Entire accounts could be shut down as well.

Listen, I’m all for saving favorite works by printing them out and putting them in a binder, or learning how to make a bookbound copy yourself and/or assembling one with a pre-made and purchased fancy binding for a fanfic FOR YOURSELF or AS A GIFT to someone, but making bindings with and putting fanfiction in it TO SELL is where I draw the line.

Literally the entire point of AO3 is that you can read it FOR FREE.

It is DISRESPECTFUL for people to make money off of hardbound copies because guess what, the original creators of these fics get nothing. We are literally only writing fanfiction for our own pleasure.

Buying and selling book-bound fanfiction is also ILLEGAL YOU DUMB SHITS. People who are selling content while claiming to be a book binder is a misconception of their services. Book binders make the covers and all that, not the actual content of the book. Selling fanfiction is also an immediate violation of copyright law / Creative Commons licenses. The original fan work will get erased from the internet.

Fanfiction is already a legal grey zone since they are works being written about are protected by copyright. Copyright holders can in fact go after writers as well as the person who sold the fanfiction.

This also goes for people who steal fanart and, claim it as theirs, and put a price on it.

Don’t make it worse.

rest assured, we can still write our fanfics and make our art.

Buying a binding for you to assemble onto your own fanfiction or fanfiction you printed for PERSONAL USE is fine.

HOWEVER,

Bookbinding fanfiction for profit is literally ruining things for everyone. DON’T.

If I see any of them on Etsy, I swear to god-

#fanfiction #fanfiction writer #bookbinding #ao3 #fanbinding #fandom etiquette #fanfiction etiquette

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definitelyuseless · 8 months

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the thing about fanfiction is like, ive been lurking in fandom long enough that i know it pretty well, so like, if i could write a fanfiction thats considered acceptable, then that would sort of be a bit of a win? i mean like it would show i could write for an audience at least, and balance between the audience and what i want to write?

#shame its literally illegal to make money out of it #it would be so easy money otherwise #like duh cause it would be stealing other peoples ideas amd shit #anyway i doubt ill even get around to actually writing it #and to be fair i am a shit writer and stuff #so i probably couldnt anyway its just a thoughtt #like something i could do for pointless entertainment but it would also sort of have a point #plus writing would be slighttly more doing something than all the other not doing anything things i do #even if it isnt proper writing

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mostlysignssomeportents · 9 months

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Paying consumer debts is basically optional in the United States

The vast majority of America's debt collection targets $500-2,000 credit card debts. It is a filthy business, operated by lawless firms who hire unskilled workers drawn from the same economic background as their targets, who routinely and grotesquely flout the law, but only when it comes to the people with the least ability to pay.

America has fairly robust laws to protect debtors from sleazy debt-collection practices, notably the Fair Debt Collection Practices Act (FDCPA), which has been on the books since 1978. The FDCPA puts strict limits on the conduct of debt collectors, and offers real remedies to debtors when they are abused.

But for FDPCA provisions to be honored, they must be understood. The people who collect these debts are almost entirely untrained. The people they collected the debts from are likewise in the dark. The only specialized expertise debt-collection firms concern themselves with are a series of gotcha tricks and semi-automated legal shenanigans that let them take money they don't deserve from people who can't afford to pay it.

There's no better person to explain this dynamic than Patrick McKenzie, a finance and technology expert whose Bits About Money newsletter is absolutely essential reading. No one breaks down the internal operations of the finance sector like McKenzie. His latest edition, "Credit card debt collection," is a fantastic read:

https://www.bitsaboutmoney.com/archive/the-waste-stream-of-consumer-finance/

McKenzie describes how a debt collector who mistook him for a different PJ McKenzie and tried to shake him down for a couple hundred bucks, and how this launched him into a life as a volunteer advocate for debtors who were less equipped to defend themselves from collectors than he was.

McKenzie's conclusion is that "paying consumer debts is basically optional in the United States." If you stand on your rights (which requires that you know your rights), then you will quickly discover that debt collectors don't have – and can't get – the documentation needed to collect on whatever debts they think you owe (even if you really owe them).

The credit card companies are fully aware of this, and bank (literally) on the fact that "the vast majority of consumers, including those with the socioeconomic wherewithal to walk away from their debts, feel themselves morally bound and pay as agreed."

If you find yourself on the business end of a debt collector's harassment campaign, you can generally make it end simply by "carefully sending a series of letters invoking [your] rights under the FDCPA." The debt collector who receives these letters will have bought your debt at five cents on the dollar, and will simply write it off.

By contrast, the mere act of paying anything marks you out as substantially more likely to pay than nearly everyone else on their hit-list. Paying anything doesn't trigger forbearance, it invites a flood of harassing calls and letters, because you've demonstrated that you can be coerced into paying.

But while learning FDCPA rules isn't overly difficult, it's also beyond the wherewithal of the most distressed debtors (and people falsely accused of being debtors). McKenzie recounts that many of the people he helped were living under chaotic circumstances that put seemingly simple things "like writing letters and counting to 30 days" beyond their needs.

This means that the people best able to defend themselves against illegal shakedowns are less likely to be targeted. Instead, debt collectors husband their resources so they can use them "to do abusive and frequently illegal shakedowns of the people the legislation was meant to benefit."

Here's how this debt market works. If you become delinquent in meeting your credit card payments ("delinquent" has a flexible meaning that varies with each issuer), then your debt will be sold to a collector. It is packaged in part of a large spreadsheet – a CSV file – and likely sold to one of 10 large firms that control 75% of the industry.

The "mom and pops" who have the other quarter of the industry might also get your debt, but it's more likely that they'll buy it as a kind of tailings from one of the big guys, who package up the debts they couldn't collect on and sell them at even deeper discounts.

The people who make the calls are often barely better off than the people they're calling. They're minimally trained and required to work at a breakneck pace. Employee turnover is 75-100% annually: imagine the worst call center job in the world, and then make it worse, and make "success" into a moral injury, and you've got the debt-collector rank-and-file.

To improve the yield on this awful process, debt collection companies start by purging these spreadsheets of likely duds: dead people, people with very low credit-scores, and people who appear on a list of debtors who know their rights and are likely to stand on them (that's right, merely insisting on your rights can ensure that the entire debt-collection industry leaves you alone, forever).

The FDPCA gives you rights: for example, you have the right to verify the debt and see the contract you signed when you took it on. The debt collector who calls you almost certainly does not have that contract and can't get it. Your original lender might, but they stopped caring about your debt the minute they sold it to a debt-collector. Their own IT systems are baling-wire-and-spit Rube Goldberg machines that glue together the wheezing computers of all the companies they've bought over the last 25 years. Retrieving your paperwork is a nontrivial task, and the lender doesn't have any reason to perform it.

Debt collectors are bottom feeders. They are buying delinquent debts at 5 cents on the dollar and hoping to recover 8 percent of them; at 7 percent, they're losing money. They aren't "large, nationally scaled, hypercompetent operators" – they're shoestring operations that can only be viable if they hire unskilled workers and fail to train them.

They are subject to automatic damages for illegal behavior, but they still break the law all the time. As McKenzie writes, a debt collector will "commit three federal torts in a few minutes of talking to a debtor then follow up with a confirmation of the same in writing." A statement like "if you don’t pay me I will sue you and then Immigration will take notice of that and yank your green card" makes the requisite three violations: a false threat of legal action, a false statement of affiliation with a federal agency, and "a false alleged consequence for debt nonpayment not provided for in law."

If you know this, you can likely end the process right there. If you don't, buckle in. The one area that debt collectors invest heavily in is the automation that allows them to engage in high-intensity harassment. They use "predictive dialers" to make multiple calls at once, only connecting the collector to the calls that pick up. They will call you repeatedly. They'll call your family, something they're legally prohibited from doing except to get your contact info, but they'll do it anyway, betting that you'll scrape up $250 to keep them from harassing your mother.

These dialing systems are far better organized than any of the company's record keeping about what you owe. A company may sell your debt on and fail to keep track of it, with the effect that multiple collectors will call you about the same debt, and even paying off one of them will not stop the other.

Talking to these people is a bad idea, because the one area where collectors get sophisticated training is in emptying your bank account. If you consent to a "payment plan," they will use your account and routing info to start whacking your bank account, and your bank will let them do it, because the one part of your conversation they reliably record is this payment plan rigamarole. Sending a check won't help – they'll use the account info on the front of your check to undertake "demand debits" from your account, and backstop it with that recorded call.

Any agreement on your part to get on a payment plan transforms the old, low-value debt you incurred with your credit card into a brand new, high value debt that you owe to the bill collector. There's a good chance they'll sell this debt to another collector and take the lump sum – and then the new collector will commence a fresh round of harassment.

McKenzie says you should never talk to a debt collector. Make them put everything in writing. They are almost certain to lie to you and violate your rights, and a written record will help you prove it later. What's more, debt collection agencies just don't have the capacity or competence to engage in written correspondence. Tell them to put it in writing and there's a good chance they'll just give up and move on, hunting softer targets.

One other thing debt collectors due is robo-sue their targets, bulk-filing boilerplate suits against debtors, real and imaginary. If you don't show up for court (which is what usually happens), they'll get a default judgment, and with it, the legal right to raid your bank account and your paycheck. That, in turn, is an asset that, once again, the debt collector can sell to an even scummier bottom-feeder, pocketing a lump sum.

McKenzie doesn't know what will fix this. But Michael Hudson, a renowned scholar of the debt practices of antiquity, has some ideas. Hudson has written eloquently and persuasively about the longstanding practice of jubilee, in which all debts were periodically wiped clean (say, whenever a new king took the throne, or once per generation):

https://pluralistic.net/2020/03/24/grandparents-optional-party/#jubilee

Hudson's core maxim is that "debt's that can't be paid won't be paid." The productive economy will have need for credit to secure the inputs to their processes. Farmers need to borrow every year for labor, seed and fertilizer. If all goes according to plan, the producer pays off the lender after the production is done and the goods are sold.

But even the most competent producer will eventually find themselves unable to pay. The best-prepared farmer can't save every harvest from blight, hailstorms or fire. When the producer can't pay the creditor, they go a little deeper into debt. That debt accumulates, getting worse with interest and with each bad beat.

Run this process long enough and the entire productive economy will be captive to lenders, who will be able to direct production for follies and fripperies. Farmers stop producing the food the people need so they can devote their land to ornamental flowers for creditors' tables. Left to themselves, credit markets produce hereditary castes of lenders and debtors, with lenders exercising ever-more power over debtors.

This is socially destabilizing; you can feel it in McKenzie's eloquent, barely controlled rage at the hopeless structural knot that produces the abusive and predatory debt industry. Hudson's claim is that the rulers of antiquity knew this – and that we forgot it. Jubilee was key to producing long term political stability. Take away Jubilee and civilizations collapse:

https://pluralistic.net/2022/07/08/jubilant/#construire-des-passerelles

Debts that can't be paid won't be paid. Debt collectors know this. It's irrefutable. The point of debt markets isn't to ensure that debts are discharged – it's to ensure that every penny the hereditary debtor class has is transferred to the creditor class, at the hands of their fellow debtors.

In her 2021 Paris Review article "America's Dead Souls," Molly McGhee gives a haunting, wrenching account of the debts her parents incurred and the harassment they endured:

https://www.theparisreview.org/blog/2021/05/17/americas-dead-souls/

After I published on it, many readers wrote in disbelief, insisting that the debt collection practices McGhee described were illegal:

https://pluralistic.net/2021/05/19/zombie-debt/#damnation

And they are illegal. But debt collection is a trade founded on lawlessness, and its core competence is to identify and target people who can't invoke the law in their own defense.

Going to Defcon this weekend? I’m giving a keynote, “An Audacious Plan to Halt the Internet’s Enshittification and Throw it Into Reverse,” today (Aug 12) at 12:30pm, followed by a book signing at the No Starch Press booth at 2:30pm!

https://info.defcon.org/event/?id=50826

I’m kickstarting the audiobook for “The Internet Con: How To Seize the Means of Computation,” a Big Tech disassembly manual to disenshittify the web and bring back the old, good internet. It’s a DRM-free book, which means Audible won’t carry it, so this crowdfunder is essential. Back now to get the audio, Verso hardcover and ebook:

http://seizethemeansofcomputation.org

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/08/12/do-not-pay/#fair-debt-collection-practices-act

#pluralistic #jubilee #debts that cant be paid wont be paid #Patrick McKenzie #patio11 #bits about money #debt #debt collection #do not pay #bottom feeders #Fair Debt Collection Practices Act #fdcpa #finance #armbreakers

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