トーチカ！2021レポート

2021年のトーチカ！の写真です。

･･･え？！半年も経ったんだけど！？

はい、ごもっともな反応だと思います。。。

遅くなりましたが、ご紹介させて頂きますね。

果報は寝て待て？

photo by TeijiTakizawa

＜螢華＞

<ごループうループしループばルー プぐループ>

<中村クラゲ＞

＜あたしよしこ＞

＜生原酒無濾過＞

＜カラメル色素＞

＜游魚＞

＜ケンタバグズ＞

＜ねこまちのあきち組＞

＜GOKU＞

＜ノンラーコ＞

＜カンガモン＞

＜新海兄弟＞

コメント 11

Диплом MBA по кино и телевидению

Ћбразовательный сервис помогает студентам с учебой, оказывает консультации по выполнению студенческих работ по любым предметам, восполнЯет пробелы в знаниЯх и оказывает услуги консалтинга в учебном процессе.
Source:

<a href=https://all-import.ru/diplom-mba--kino-i-televidenie/>Диплом MBA по кино и телевидению</a>

by Lionelwaill (2022-06-07 19:29) 

Катанка

Source:

<a href=https://artel-met.ru/katalog/kapillyarnye-truby/>Катанка</a>

by Jeromedeecy (2022-06-09 20:59) 

<a href=https://купить-билет-на-поезд1.рф><img src="https://xn-----1-63deyedudcws6asgk1cfm5r.xn--p1ai/wp-content/uploads/2022/06/trainlogo_.png"></a>

билеты на поезд

Source:

<a href=https://купить-билет-на-поезд1.рф>билеты на поезд</a>

by Davidfal (2022-06-16 07:01) 

Based on federal law, garnishment of your wages cannot exceed “25% of your net wages or the amount that you take home per workweek that is more than 30 times the federal minimum hourly wage, whichever is less,” according to the Florida Bar. When you begin receiving debt collections letters or phone calls from debt collectors, the first step you should take is validating the debt. You can validate a debt by sending a formal letter, and the debt collector has 30 days to respond in writing once you do. During this time, the debt collector must refrain from trying to collect the debt from you. The CFPB also provides sample letters you can access to confirm a debt is yours, get more information, ask a debt collector to stop contacting you or specify how a debt collector can contact you. Once you find out all there is to know about the debts being collected, the CFPB recommends acting quickly to minimize damage.

If the debt is several years old, the agency suggests determining the statute of limitations for various debts in your state. If the debt is beyond its statute of limitations (the amount of time during which a creditor or debt collector can sue you to collect a specific type of debt), the debt collector may not be able to legally file a lawsuit. If you’re not sure the debt is yours, you should contact the debt collector to dispute it or ask for more verification. If you are certain the debt being collected is not yours, you should contact the debt collector to inform them the debt does not belong to you and ask them to stop contacting you. On the other hand, if the debt is yours, you should try working with the creditor to settle the debt for less than you owe or to set up a payment plan. Be cautious about sharing too much of your personal information with debt collectors. After all, you don’t want to give them any more ways to contact you than they already have.

Fortunately, the state of Florida does offer some consumer protections for borrowers who take out payday loans. A borrower may only take out one payday loan at a time. It is required for the borrower to pay off their first payday loan. Wait 24 hours before taking out another one. If the borrower is unable to pay off his or her payday loan, the lender must offer a 60-day grace period with no additional charges. To qualify for the 60-day grace period, the borrower must make an appointment with an approved counseling service within seven days and complete the counseling within the 60-day grace period. There are numerous ways to deal with debt on your own. Paying off debt may not be an easy feat, but there are plenty of financial products and strategies that can help. If you have multiple debts with different interest rates and monthly payments, it may be smart to consolidate your debts into a new loan with one monthly payment. Doing so can help you simplify your financial life, and you may save money on interest, if your credit score is good enough to secure a lower interest rate.

Source:

- https://nocollectioncalls.com
Tags:
what constitutes harassment by creditors
by CurtisSheli (2022-06-16 11:23) 

It also confirms that you agreed to pay the debt. The amount owed is accurate. You can report any debt collector who refuses to follow these steps can be reported to your state’s attorney general, the Federal Trade Commission (FTC), or the Consumer Financial Protection Bureau (CFPB) for violating the law. Within 30 days of learning about the debt, send a debt validation letter to the collection agency via certified mail. You can ask who the original creditor is and request documentation proving that it belongs to you, such as the original loan agreement. Check out our sample debt validation letters.

The debt collection agency is required under FDCPA guidelines to stop contacting you. May not attempt to sue you for the outstanding balance. If the debt collector has failed to verify the debt and has sent a notice of the debt to a consumer reporting agency, they must remove the notice. If not, send a notice of the failure of debt validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can verify the debt, they should remove it from your credit report. If the debt collector sends you proof they have the right to collect on the debt, the debt is yours, and the amount is accurate, then the debt is validated. They can continue their attempts to collect. Check the statute of limitations in your state to make sure that the debt hasn’t expired. If it has, the debt collector may not sue you for the debt, and you can send an expired SOL notification letter to get them to stop their collection attempts. If the debt has not expired, you must take other steps if you wish to dispute it. There are a few different ways to handle verified debt.

Validating a debt can address all of these reasons so that you aren’t subject to incorrect collections. Why is debt validation important? Understanding the role of a debt collector may seem complicated, but it’s really not. So let’s break it down into a real-life example to fully grasp the importance of debt collection. Say that Sarah borrowed some money from John. Later, she gets a call from Laura demanding a thousand dollars in payment of Sarah’s debt to John. How can Sarah be sure that she really owes Laura a thousand dollars, rather than John? Furthermore, how can Sarah be sure that her debt to John will be satisfied if she pays Laura? A request for debt validation helps confirm all these things. First, you’ll know that the original creditor legally authorizes the debt collector to collect money from you. You can also check to make sure that all past payments have been applied. Check the accuracy of any fees applied to the debt. Finally, you get to make sure that you actually owe the debt that they say you do.

Under the FDCPA, you have the right to “debt validation.” This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Also, a debt collector must also prove they have a legal right to collect the debt. Requesting debt validation comes with various benefits. Can hopefully lead to getting the collection completely dismissed. Read on to learn everything you need to know about debt validation so you can get started today. What is debt validation? Debt validation is the act of demanding that a collection agency prove that you owe a specific debt. The right to debt validation is protected under the Fair Debt Collection Practices Act. Once your debt validation letter (also sometimes called a debt verification letter) is received, the debt collector must stop all collection efforts, including reporting and verifying, until they supply proper debt validation.

Although no time limit is specified for them to validate, they cannot continue collecting until they provide such information. Sometimes, collection agencies will stop collection activities and return the account to the original creditor rather than validate it, which is perfectly legal. Either way, not being able to communicate with you provides plenty of incentive for the debt collector to resolve the debt validation notice. Often, a debt collector may not have the appropriate records it needs to collect debt from you legally. Or perhaps you already settled the collection, but the collection agency is harassing you anyway. Or maybe they’ve accused you of owing on a debt you don’t actually owe. It’s also possible that the amount owed is incorrect.

Source:

<a href=https://nocollectioncalls.com>attorney for debt collection</a>

Tags:
attorney for debt collection
by CurtisSheli (2022-06-19 04:57) 

Из последних новостей шоу бизнеса узнал, что:
Знаменитости из России Лобода и Константин Меладзе поселились в Латвии, а детей пристроили в элитные школы
А певец Николай Басков впервые высказался по политической теме, осудив бежавших звезд из России.
Рэпер Тимати посетил военный госпиталь, и привез около полусотни средств реабилитации для раненных военнослужащих, чтобы те быстрее возвращались к обычной жизни.


<p>Из <a href=https://ruposters.ru/news/tags/%D0%A8%D0%BE%D1%83-%D0%B1%D0%B8%D0%B7%D0%BD%D0%B5%D1%81>последних новостей шоу бизнеса</a> узнал, что:</p>
<p><a href=https://ruposters.ru/news/tags/%D0%97%D0%BD%D0%B0%D0%BC%D0%B5%D0%BD%D0%B8%D1%82%D0%BE%D1%81%D1%82%D0%B8>Знаменитости из России</a> Лобода и Константин Меладзе поселились в Латвии, а детей пристроили в элитные школы</p>
<p>А певец Николай Басков впервые высказался по <a href=https://ruposters.ru/news/politics>политической</a> теме, осудив бежавших звезд из России.</p>
<p>Рэпер Тимати посетил военный госпиталь, и привез около полусотни средств реабилитации для раненных военнослужащих, чтобы те быстрее возвращались к обычной <a href=https://ruposters.ru/news/life>жизни</a>.</p>

by Cedricexery (2022-06-25 05:26) 

<img src="https://промокод-херб.рф/wp-content/uploads/2022/06/new-1024x211.jpg">

штукатурная станция

Source:

- https://xn----btbhfwlnbbfli7d.xn--p1ai/


by JosephPum (2022-07-10 10:19) 

Blender Blitz от Relax Gaming

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vavada бонусы


Origin:

- https://notes-master.ru
by Williamthync (2022-07-14 05:55) 

Все о рулетке: история, принципы, стратегии

Красное, черное и гарик, который определяет судьбу — эта игра стала символом азартных развлечений. Суть очень проста: вы выбираете число или цвет, а шарик выпадает на одно из 37 или 38 значений, от которого и зависит ваш выигрыш.
Современные онлайн казино предлагают играть через интернет. Попробуйте все современные и классические виды рулетки на одной сайте Вавада казино.
В этой статье рассказываем, как игра стала одной из самых популярных и в офлайн, и в онлайн пространстве.



vavada казино зеркало на сегодня


Source:

<a href=https://pskp.su>vavada казино зеркало на сегодня</a>

by Williamthync (2022-07-19 17:17) 

<p>После долгих просьб со стороны Германии, да и, наверное, всей зависимой от российского газа Европы, официальная Оттава все таки сделала исключение из <a href="https://ruposters.ru/news/tags/%D0%A1%D0%B0%D0%BD%D0%BA%D1%86%D0%B8%D0%B8">санкций</a> и вернула турбину с ремонта на заводе Siemens в Канаде. Более того, теперь в течение двух лет "Газпром" сможет ремонтировать и другие детали, минуя местные ограничения.</p>

Власти РФ в лице "Газпрома" теперь настаивают

Source:

- https://ruposters.ru/news/tags/%D0%BF%D1%80%D0%B0%D0%B2%D0%B8%D1%82%D0%B5%D0%BB%D1%8C%D1%81%D1%82%D0%B2%D0%BE%20%D0%A0%D0%BE%D1%81%D1%81%D0%B8%D0%B8
by Lancemib (2022-07-23 23:42) 

циан москва купить квартиру вторичка
Source:

- https://newtvnews.ru/world/2022/02/03/kak-priobresti-kvartiru-instrukcziya/
by Stephencon (2022-08-07 08:16)