i just got a super predatory debt collection letter. it was for a $113 debt from citizens bank, who i had an account with when i was 16 (20 years ago). the letter appeared to be an offer to cancel the debt if i paid them $22.75. HOWEVER, the actual wording is, “The amount of the debt is $113.77 and we will accept $22.75.” so, no MENTION of canceling the debt, but the implication is there because many collectors of current debt offer to settle for a percentage.
at the bottom of the letter, it says: “Because of the age of your debt, we cannot sue you for it and we cannot report to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making payments on the debt or making a written promise to pay.”
basically… i don’t owe this money anymore, the debt is so old they can’t legally sue me for it OR put it on my credit report, BUT if i take their generous offer of paying them $22.75… they can sue me for the full amount because making a payment makes the debt current.
no thanks, jefferson capital systems llc.
always, always read the entire letter! it is so important because of semantic awfulness like this!
Did you know? It’s your RIGHT to access reproductive healthcare without being intimidated or terrorized.
People need to see this.
It is illegal to willingly harass and intimidate a person on purpose, even if you are doing it outside of an abortion clinic. Remember this, pro-lifers. You can and will be charged. ❤
Something that really fucks me up is the realization that stuff I’ve thought of as ancient history (like WWII) was not that long ago.
To me, “the 80′s” were just “a decade before I was born”
But now, as we near 2020, “the 80′s” becomes “forty years ago.”
WWII ended for us in 1945.
So, for people who were living in the 80′s, WWII was “forty years ago.”
Not even.
The difference between 1945 and 1980 is thirty five years.
It’s all so much closer than we fully realize. We’re not so different from who we were then.
So, forty years from now, what will ‘this day and age’ look like? How will ‘forty years ago’ be remembered? And how will our vision of ‘the future’ change with it?
Marshmellowmilktea 
