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    PayLayHAYL_NO

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    [–] JUST REVEALED - What the 1 in 14000605 chance of winning against Thanos was PayLayHAYL_NO 3 points ago in marvelstudios

    I swear to God, I found this on Zuckerbook and thought this sub would like it. But you don't have to believe me, it's whatever, lol.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 3 points ago in personalfinance

    As far as I know all debts related to the accident were paid off. That's why I said this came out of the blue. And also why I made such a strong attempt to verify the validity.of the debt, because as far I know there shouldn't be anything owed to anyone. And for it to pop up 2 years after the fact is strange, to say the least.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 3 points ago in personalfinance

    I did something similar, I worked at a shady ass call center before joining the military.

    It was sketchy as fuck some of the stuff they would have us do. One example is we had a "do not call list" for if people wanted to not be contacted by us, that our supervisors told us to never touch. There was maybe a dozen people on our do not call list, there should have been hundreds if not thousands.

    6 more months then you're done. You got this.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 362 points ago in personalfinance

    https://www.nerdwallet.com/blog/finance/debt-validation-letter/

    From the article:

    The amount owed.

    The name of the creditor seeking payment. A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact.

    A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail.

    A statement that if you request information about the original creditor within 30 days, the collector must provide it.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 20 points ago in personalfinance

    I took 2 ambulances. 1 to the hospital, and another to another hospital to be seen by a specialist. My attorney sent me proof that both had been paid, thus me requesting the debt validation letter to sort it all out. Could have worded my original post better, I can see where the confusion is coming from.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 10 points ago in personalfinance

    I took 2 ambulances. 1 to the hospital, and another to another hospital to be seen by a specialist. My attorney sent me proof that both had been paid, thus me requesting the debt validation letter to sort it all out. Could have worded my original post better, I can see where the confusion is coming from.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 31 points ago in personalfinance

    Yes, I contacted him and he sent me an itemized list of all debtors paid after the settlement.

    There was a couple ambulance companies listed on there, but the amounts did not match the $1410 This debt collector was claiming. And without an account number, or any sort of identifying info, I was unable to match it to either of the paid ambulance bills in the documentation I received from my attorney.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 174 points ago in personalfinance

    100% agree. Unfortunately I never got any mail or email from them, only phone calls. So I didn't really have a lot of options. I only received mail from them when I requested it, and it ended up not even being what I fucking requested.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 233 points ago in personalfinance

    This happened during a point in time I, unfortunately, didn't have health insurance. So when a settlement was reached with the at-fault driver's insurance company, my attorney paid off all medical bills and me, being a fresh out of high school kid, just trusted my attorney handled it.

    [–] A story of how I just got out of paying a $1500 bill, why you should NEVER blindly trust a Debt collection agency, and ALWAYS request proof of a Debt owed. 😂😂😂 PayLayHAYL_NO 20 points ago in personalfinance

    Lol, fair enough. I've never been contacted by a Debt collector before, but somehow this bill fell through the cracks. They were sending letters to an old address of mine, that somehow never got forwarded to me. I don't even know how they got my number, and it never showed up on any of my credit reports. So I honestly have no idea.

    I'm by no means an expert. And I'm not trying to give anyone advice, but it's a funny story I thought I'd share.

    [–] Shortest gun range visit ever PayLayHAYL_NO 1 points ago in gifs

    Depends on the type of gun. If it's a pistol, as you're holding it, pull the slide back and lock it to the rear. In doing so, you should eject a round if there is one in the barrel. But still look and see to verify it's clear and safe.

    On a rifle, let's use a AR15 for example, you'd pull the BCG back via the charging handle, which should eject any round that is chambered. But again, look through the ejection port into the firearm to verify that it is indeed clear and safe.

    [–] Shortest gun range visit ever PayLayHAYL_NO 2 points ago in gifs

    *magazine *slide

    Not a clip (unless it's like an M1 Garand or something similar). And the receiver is the bottom part of a handgun. Not the slide.

    I've literally never been handed a gun from a range with a zip tie in it or a orange plug.

    Have you ever actually handled a firearm before?

    [–] BODY PILLOWS PayLayHAYL_NO 2 points ago in navy

    My money is on an OS or maaayyyybeee an IT.

    [–] Yesterday was my 2 year anniversary of having my Records removed from TSCC. Life is good 😊 PayLayHAYL_NO 4 points ago in exmormon

    Ah, I didn't even know that sub existed. I saw that people are still posting selfies here, so figured I'd post another one too. Especially since I just hit my 2yr free mark lol.

    [–] Yesterday was my 2 year anniversary of having my Records removed from TSCC. Life is good 😊 PayLayHAYL_NO 3 points ago in exmormon

    Yeah, I think it got caught in the spam filter or something, I dunno. That shit disappeared like a couple minutes after I posted it.