#Avoid Foreclosure

[harshnirmal]

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[therisingtidefund]

How to Avoid Foreclosure: The Rising Tide Fund’s Solution for Southern California Homeowners

If you're facing the threat of Avoid Foreclosure, you're not alone. Many homeowners in Southern California experience financial hardships that can make it difficult to keep up with mortgage payments. Fortunately, there are options to help you Avoid Foreclosure, and The Rising Tide Fund is here to support you through this challenging time.

At The Rising Tide Fund, we specialize in providing fast, hassle-free cash offers to homeowners who need to sell quickly. If you're struggling to make your mortgage payments or facing foreclosure, selling your home for cash can be an effective way to avoid the devastating consequences of foreclosure. We work with homeowners across Southern California to provide fair, no-obligation offers, allowing you to sell your property on your terms.

Avoid Foreclosure can damage your credit and cause lasting financial strain, but with the help of The Rising Tide Fund, you can get back on your feet.

Don’t wait until it’s too late—contact The Rising Tide Fund today and take the first step to Avoid Foreclosure with a fair cash offer for your home.

[finance-south-africa]

Prevent Foreclosure in SA

How to Negotiate with Lenders to Prevent Foreclosure in South Africa

Facing foreclosure is a daunting experience for any homeowner, but open and proactive communication with your lender can make a significant difference. Negotiation is key in preventing foreclosure in South Africa, and knowing how to approach your lender effectively could be the first step towards keeping your home.

Understanding the Importance of Negotiation

When financial difficulties strike, many homeowners make the mistake of avoiding their lenders, but this is the time to be open about your situation. Lenders would often prefer to find a solution that allows you to continue making payments rather than proceeding with foreclosure, which can be time-consuming and costly. At Real Estate Assist, we specialize in negotiating with lenders on behalf of homeowners to help prevent foreclosure and find a solution that fits your unique circumstances.

Tips for Successful Negotiation

Be Prepared with Financial Documentation: Gather all relevant documents, including proof of income, tax returns, bank statements, and details of your current debts. This helps provide a clear picture of your financial situation.

Explain Your Situation Honestly: Contact your lender as soon as you anticipate trouble making your payments. Be transparent about your financial circumstances and explain why you are unable to keep up with your mortgage payments.

Request a Payment Plan or Loan Modification: Propose a feasible payment plan that might involve extending the loan term or temporarily reducing the interest rate. You might also consider applying for a loan modification to make your monthly payments more manageable.

Seek Professional Help: If you feel overwhelmed, consider hiring a debt counselor or an attorney who specializes in foreclosure prevention. They can negotiate on your behalf and explore all available options.

For Legal Advice on preventing foreclosure

How Real Estate Assist Can Help

At Real Estate Assist, we understand that negotiating with lenders can be stressful and complex. We offer services to help you navigate this process, from preparing the necessary documentation to negotiating directly with your lender. Learn more about our debt counseling services and how we can help you avoid foreclosure and secure a more manageable payment plan.

[robertsbig60]

Stop Foreclosure in Dallas, Texas

Stop Foreclosure in Dallas, Texas

All over this great country, homeowners are pilling up huge debt and their houses is at risk, they all need to know “how to stop the foreclosure in Dallas, Tx.” As long as you are not too close to the foreclosure sale, or it has not been completed, you can still avoid foreclosure once it has started, giving you a chance to keep your home. If you decide not to keep your home, the extra time can…

[generoushomebuyersnc]

Generous Home Buyers

301 S McDowell Street Suite 125 - 2036 Charlotte NC 28204 USA 0333247355 support@generoushomebuyers.com https://generoushomebuyers.com/

Tired of repairs, delays, or lowball offers? We help homeowners sell quickly — no agents, no fees, no stress. Whether you’re facing foreclosure, inherited a property, or just need to move on, we make it simple. Get a real cash offer, close fast, and walk away with peace of mind.

[prestigebfs]

How to Avoid Foreclosure: 10 Proven Strategies to Save Your Home

Facing foreclosure is one of the most stressful experiences a homeowner can endure. But the good news? Foreclosure is not inevitable — there are many ways to stop foreclosure and protect your home and financial future. Whether you're behind on mortgage payments or anticipating trouble ahead, this guide will walk you through how to avoid foreclosure with practical, proven strategies.

1. Contact Your Lender Immediately

The worst thing you can do is ignore the situation. Call your lender as soon as you anticipate a missed payment. Most lenders offer loss mitigation options, including modified payment plans, deferment, or forbearance agreements.

Related keyword: contact mortgage lender to avoid foreclosure

2. Apply for a Loan Modification

A loan modification adjusts the terms of your mortgage — reducing your monthly payment, interest rate, or extending the loan term — to make it more affordable. It’s a powerful tool many homeowners use to avoid losing their home.

Related keyword: modify home loan to prevent foreclosure

3. Use a Forbearance Agreement

If you’re experiencing temporary financial hardship due to job loss, illness, or a natural disaster, a forbearance agreement can pause or reduce your payments for a limited time. This gives you breathing room without immediately triggering foreclosure proceedings.

Related keyword: mortgage forbearance to stop foreclosure

4. Refinance Before It’s Too Late

If you still have decent credit and equity in your home, refinancing could lower your monthly payment or consolidate other debts. This option is ideal before default happens, so act early.

Related keyword: refinance to avoid foreclosure

5. Seek Foreclosure Assistance Programs

Government and nonprofit organizations offer free or low-cost foreclosure assistance programs that help you explore your legal and financial options. HUD-approved housing counselors are trained to negotiate with lenders on your behalf.

Related keyword: government help to avoid foreclosure

6. Explore a Repayment Plan

Lenders may allow you to catch up on missed payments by adding a portion of the delinquency to your regular monthly mortgage over time. It’s a structured way to pay off mortgage arrears without foreclosure.

Related keyword: repayment plan for past due mortgage

7. Sell Your Home Before Foreclosure

If keeping your home isn’t an option, consider selling it before the foreclosure process begins. Selling allows you to preserve your credit and potentially walk away with equity, depending on your home's market value.

Related keyword: sell home fast to stop foreclosure

8. Consider a Short Sale

If your home is worth less than what you owe, a short sale might be possible. This involves selling your home for less than your mortgage balance — with lender approval — and can help you avoid foreclosure on your record.

Related keyword: short sale to avoid foreclosure

9. Sign a Deed in Lieu of Foreclosure

This option lets you voluntarily transfer ownership of your home to the lender in exchange for debt forgiveness. While not ideal, it’s less damaging to your credit than a full foreclosure.

Related keyword: deed in lieu of foreclosure option

10. File for Bankruptcy (Last Resort)

Filing Chapter 13 bankruptcy can temporarily halt foreclosure proceedings and give you time to restructure your debts. This should be considered a last resort after exploring all other options, and requires consultation with a bankruptcy attorney.

Related keyword: use bankruptcy to stop foreclosure

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Final Thoughts: Act Early to Protect Your Home

The sooner you take action, the more options you'll have to prevent home foreclosure. Whether it's modifying your loan, applying for hardship programs, or selling your home on your terms, the key is to stay informed and proactive.

Need Personal Or Business Funding? Prestige Business Financial Services LLC offer over 30 Personal and Business Funding options to include good and bad credit options. Get Personal Loans up to $100K or 0% Business Lines of Credit Up To $250K. Also credit repair and passive income programs.

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Email - anthony@prestigebfs.com

Learn More!!

Prestige Business Financial Services LLC

"Your One Stop Shop To All Your Personal And Business Funding Needs"

Website- https://prestigebusinessfinancialservices.com

Email - anthony@prestigebfs.com

Phone- 1-800-622-0453

[theemeraldteam]

Short Sale: A Strategic Alternative Before Foreclosure

With the help of The Emerald Team and Inked Real Estate, discover a well-thought-out substitute for foreclosure. With a workable strategy to prevent foreclosure and save your financial future, our experience with short sales before foreclosure may help you through difficult financial circumstances. Examine the advantages of a short sale and allow us to assist you with this beneficial procedure. Take a proactive stance with The Emerald Team and stop letting foreclosure determine your future.

[christophechoo]

Beverly Hills Real Estate-Beverly Hills Homes For Sale Luxury - christophechoo.com

[usahomesolutions]

Sell Your Home to Avoid Foreclosure Kansas City

Selling Your Home to Avoid Foreclosure Kansas City? Don't worry, we're here to help! At USA Home Solutions, we offer hassle-free solutions for homeowners looking to sell their homes to avoid foreclosure. Our expert team provides quick and fair cash offers, enabling you to regain control of your financial situation. With a deep understanding of the local market and a commitment to client satisfaction, we ensure a smooth selling process. Take the first step towards a brighter future, contact us today to sell your home and avoid foreclosure.

[mostlysignssomeportents]

The CFPB is genuinely making America better, and they're going HARD

On June 20, I'm keynoting the LOCUS AWARDS in OAKLAND.

Let's take a sec here and notice something genuinely great happening in the US government: the Consumer Finance Protection Bureau's stunning, unbroken streak of major, muscular victories over the forces of corporate corruption, with the backing of the Supreme Court (yes, that Supreme Court), and which is only speeding up!

A little background. The CFPB was created in 2010. It was Elizabeth Warren's brainchild, an institution that was supposed to regulate finance from the perspective of the American public, not the American finance sector. Rather than fighting to "stabilize" the financial sector (the mission that led to Obama taking his advisor Timothy Geithner's advice to permit the foreclosure crisis to continue in order to "foam the runways" for the banks), the Bureau would fight to defend us from bankers.

The CFPB got off to a rocky start, with challenges to the unique system of long-term leadership appointments meant to depoliticize the office, as well as the sudden resignation of its inaugural boss, who broke his promise to see his term through in order to launch an unsuccessful bid for political office.

But after the 2020 election, the Bureau came into its own, when Biden poached Rohit Chopra from the FTC and put him in charge. Chopra went on a tear, taking on landlords who violated the covid eviction moratorium:

https://pluralistic.net/2021/04/20/euthanize-rentier-enablers/#cfpb

Then banning payday lenders' scummiest tactics:

https://pluralistic.net/2022/01/29/planned-obsolescence/#academic-fraud

Then striking at one of fintech's most predatory grifts, the "earned wage access" hustle:

https://pluralistic.net/2023/05/01/usury/#tech-exceptionalism

Then closing the loophole that let credit reporting bureaus (like Equifax, who doxed every single American in a spectacular 2019 breach) avoid regulation by creating data brokerage divisions and claiming they weren't part of the regulated activity of credit reporting:

https://pluralistic.net/2023/08/16/the-second-best-time-is-now/#the-point-of-a-system-is-what-it-does

Chopra went on to promise to ban data-brokers altogether:

https://pluralistic.net/2024/04/13/goulash/#material-misstatement

Then he banned comparison shopping sites where you go to find the best bank accounts and credit cards from accepting bribes and putting more expensive options at the top of the list. Instead, he's requiring banks to send the CFPB regular, accurate lists of all their charges, and standing up a federal operated comparison shopping site that gives only accurate and honest rankings. Finally, he's made an interoperability rule requiring banks to let you transfer to another institution with one click, just like you change phone carriers. That means you can search an honest site to find the best deal on your banking, and then, with a single click, transfer your accounts, your account history, your payees, and all your other banking data to that new bank:

https://pluralistic.net/2023/10/21/let-my-dollars-go/#personal-financial-data-rights

Somewhere in there, big business got scared. They cooked up a legal theory declaring the CFPB's funding mechanism to be unconstitutional and got the case fast-tracked to the Supreme Court, in a bid to put Chopra and the CFPB permanently out of business. Instead, the Supremes – these Supremes! – upheld the CFPB's funding mechanism in a 7-2 ruling:

https://www.scotusblog.com/2024/05/supreme-court-lets-cfpb-funding-stand/

That ruling was a starter pistol for Chopra and the Bureau. Maybe it seemed like they were taking big swings before, but it turns out all that was just a warmup. Last week on The American Prospect, Robert Kuttner rounded up all the stuff the Bureau is kicking off:

https://prospect.org/blogs-and-newsletters/tap/2024-06-07-window-on-corporate-deceptions/

First: regulating Buy Now, Pay Later companies (think: Klarna) as credit-card companies, with all the requirements for disclosure and interest rate caps dictated by the Truth In Lending Act:

https://www.skadden.com/insights/publications/2024/06/cfpb-applies-credit-card-rules

Next: creating a registry of habitual corporate criminals. This rogues gallery will make it harder for other agencies – like the DOJ – and state Attorneys General to offer bullshit "delayed prosecution agreements" to companies that compulsively rip us off:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-creates-registry-to-detect-corporate-repeat-offenders/

Then there's the rule against "fine print deception" – which is when the fine print in a contract lies to you about your rights, like when a mortgage lender forces you waive a right you can't actually waive, or car lenders that make you waive your bankruptcy rights, which, again, you can't waive:

https://www.consumerfinance.gov/about-us/newsroom/cfpb-warns-against-deception-in-contract-fine-print/

As Kuttner writes, the common thread running through all these orders is that they ban deceptive practices – they make it illegal for companies to steal from us by lying to us. Especially in these dying days of class action suits – rapidly becoming obsolete thanks to "mandatory arbitration waivers" that make you sign away your right to join a class action – agencies like the CFPB are our only hope of punishing companies that lie to us to steal from us.

There's a lot of bad stuff going on in the world right now, and much of it – including an active genocide – is coming from the Biden White House.

But there are people in the Biden Administration who care about the American people and who are effective and committed fighters who have our back. What's more, they're winning. That doesn't make all the bad news go away, but sometimes it feels good to take a moment and take the W.

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/2024/06/10/getting-things-done/#deliverism

[theegyal]

HUSH, [ Annie x Smoke ]

Words : 3K

CHAPTER 5 : The Married Woman

8:33 AM

The old man hunched behind his desk, staring nervously at the figure standing in his front office.

"You're not Mr. Smoke. What—who are you?"

"His cousin," Stack growled, irritated. "Bitch, I come all the way here, talkin' 'bout wrong twin, but you keep askin' dumbass questions. can't read no damn room, motherfucker?"

Stack glared and pulled his gun from his pocket.

"You sit tight, hands on the table, and don't make a damn sound."

Roberts obeyed. He sank carefully into the chair, holding his breath. He knew it—knew helping that Manson man was a mistake. If only he hadn't been so greedy, he might've avoided ending up in this mess.

"Well, well," Stack drawled. "A little bird told me you did somethin' real bad, doc."

He moved toward the table with a predator's ease, slapping the back of his gun against the clean, pale wall.

"Please, wait—I got money! I didn't mean to—"

Stack smacked his own temple, agitated. It was a habit, something he did every time the tension started to mount.

"Fuck.I don't even know you. Why Doctor Clayman ain't the one runnin' shit?" Stack sucked his teeth. "Anyway, we grown men. And you know what grown men do—talk. We cool?"

He dropped into the chair across from Roberts.

8: 45 AM

"Oh no, Lois..."

The baby blurped onto Annie's shirt.

Unaware of the mess she'd made, Lois smiled wide, giggling like nothing in the world could touch her.

"Oh ma'am!" Annie gasped, flustered but not angry. She adored her daughter—even when she was fully stained with vomit.

"I know it's your birthday, Lulu. No need to remind me," she said, laughing as she pinched the baby's chubby cheeks.

They had planned a party. First birthday. Something simple—cake, balloons, music from the radio, a little folding table out back.

And now?

There would be no party.

Life had other plans.

She was still wiping her blouse when the first ring came.

She didn't hear it.

The second one snapped her out of her thoughts.

"Shit."

She stood up quickly, peeling off the dirtied shirt and scuffing it beneath the sofa. She pulled on a clean blouse and hurried barefoot to the door.

"Morning, Madam Moore."

It was supposed to be a calm day. Pancakes. Laundry. Maybe a phone call from Stack about Elijah.

But most of all—mother and daughter moments.

And now these two men stood on her porch—stiff-backed, in dark uniforms that didn't belong to any mail service she knew.

Bad news never needed an appointment.

She opened the door halfway.

"Who are you?"

The taller one adjusted his cuffs. No smile. No warmth.

"We're here on behalf of ****Mortgage. This is a notice of default and scheduled foreclosure. You'll need to vacate the property by the end of the month."

Annie frowned, voice low and flat.

"What're you talkin' about? We've been paying that loan."

"Mr. Elijah Moore was the primary borrower. Since his passing, the loan has fallen into risk status. The bank has opted to initiate repossession. It's standard protocol when the surviving party cannot demonstrate sufficient income for continuation."

Annie blinked.

"He died for this country. And y'all came to take his house?"

The man didn't blink.

"We're just delivering notice, ma'am."

Her fingers tightened on the doorframe.

They had borrowed the loan right before Elijah left. He said it was time for them to do better.

And now he was somewhere else.

Somewhere with a white woman, building a new life.

While she and their daughter were about to be put out on the street.

On God, that man needed a hammer to the head just to recognize her face again.

Why the hell did they say she wasn't making enough?

She was a pharmacist.

Not a doctor, sure—but still. She ran one of the most trusted pharmacies in the neighborhood.

And still, it wasn't enough?

Chicago, huh.

She was a risk.

A widow.

A Black single mother.

That's all they saw.

"Got it." Her voice was flat.

"We're sorry."

"Get off."

She closed the door without looking back.

9:00 AM

Stack leaned back in the chair, eyeing Roberts like he was weighing which bone to break first.

"Now," he said dangerously calm "tell me exactly what type of shit you gave my brother."

Roberts shifted in his seat, sweating through his collar. "I—I'm not sure exactly what you're referring to—"

CRACK.

The butt of Stack's gun slammed hard across the man's jaw. Not enough to break it—but just enough to remind him death was a choice.

"Oh no. We grown, r'member ? Try again." Stack's voice never rose. His eyes narrowed. "You got one more time to play dumb."

Blood gathered in the doctor's mouth as he leaned forward, eyes wide and panicked.

"It was a sedative protocol—high-dose benzos, mood stabilizers, mild antipsychotics. Prescribed for PTSD and aggression management."

Stack snorted. "Oh ? You don't wanna be grown ? Taking me for a bitch perhaps? That shit ain't for no damn PTSD."

The doctor's eyes darted toward the hallway, but Stack shook his head.

"Ain't no one comin' to save you. So now tell me—where the hell's Doctor Clayman? Why he ain't the one pushin' them pills? He was the one taking care of Elijah at first !"

Roberts hesitated.

"Betta' talk." Stack clicked the sound of his gun.

"They forced Clayman off the case," Roberts mumbled. "When Mr. Elijah Moore was transferred to Denver... it wasn't just for rehabilitation. They—they were doing something else. Behavioral reprogramming. Chemical memory suppression. It was covert. I wasn't even supposed to know, but..."

He swallowed.

"But what?"

"But Colonel Manson, he made it clear the goal was to isolate Mr Moore. Cut off all personal ties. No contact with his past life. That's why they never told you he was being moved. Not until he was already there."

Stack's jaw tightened. The gun clicked as he reset the hammer.

"Where's Clayman now?"

Roberts hesitated again. Then dropped his eyes.

"He asked too many questions. Went missing a week later. Files cleared. Official word says 'transfer' but—"

"They killed him," Stack finished coldly.

Roberts didn't answer.

Stack leaned forward. His tone dropped to something quiet, sharp, and deadly.

"You know why Manson want my brother in particular?" It was sure not because they desert. Surely not because the man hated Stack.

Roberts shook his head quickly.

"No. I swear. I was just following orders. I didn't ask—I didn't want to ask."

Stack stared for a long moment, then lowered the gun to the table.

"You ever give my brother another dose of that brain rot shit, I will peel your life apart piece by piece. Wife, kids, your whole damn gene pool. You hear me?"

"Yes—yes sir—"

"no more sedatives. No more fog. You give the man somethin' good for memory recall. I want him to start rememberin' shit."

Roberts nodded fast, nearly weeping.

"I will, definitely. Cognitive enhancers. It's not guaranteed but—it's a start."

"Good. You see ? We both grown. And tell me what grown men do ?" Stack toyed him

"Talk" the old doctor replied, trembling.

"Next time I see you, doc... you better pray my brother's smilin'."

Elias stepped out of the hospital, shoulders rolled loose, mind locked tight. He'd said what he needed to say. Left Roberts shaking like a goddamn leaf in a lab coat.

Manson better have heard the warning loud and clear. But knowing that bastard, he'd probably laugh it off. Stack hoped he did.

He wanted a reason.

The parking lot was quiet. Cloudy. That sticky kind of heat building under the sky, waiting to break open.

Stack climbed into his car, metal hot under his hand, ready to pay a visit to some old friends. The ones you wished to never cross path at night.

He twisted the keys in the ignition then...

BRR-BRRT.

His phone buzzed against the dash.

"Huh?"

He picked up. A voice, rough and quiet, came through the line.

"Stack."

Stack blinked and sat up straighter.

"Smoke?"

"Been crouchin' in my car for two damn days. Trust me nigga, ain't goin' back to that white bitch house."

Stack narrowed his eyes, engine still off.

"Where the hell you at?"

"Close to your side. Like... three blocks down."

Elijah's voice dropped lower.

Still calm, but something in it sounded like he was holding breath through his teeth.

"She tried somethin'. Last night."

8 : 40 PM

"NO. You are not going to stay here crying all the night Annie."

"Hush Carol. Lois sleeping."

The said Carol didn't flinch, her high heels clapping on the floor.

"They gave you until the end of the month and you're already packing ?"

"I ain't going to let them have the last word. They want that house ? Fine. I'm leaving with Lois. Too tired to share home with ghost anyway" Annie retorted, her words bitter

The other brown skin woman, hold her curly long hair in a bun, removed her cabaret heels and started grabbing boxes here and here

"What the—?" Lois' mother reacted

" I'm helping you. We done and go to the club."

"Carol—"

"Shut your pretty ass off. I came all from Clarksdale, just to see you crying over a damn bastard who can't recognize the coochie that opened for him when he was broke. Now he full, veteran or watever they claimed, and SIR paraded with a white woman at his arm. God forbid"

Annie sighed. It was useless to reason her. Carol was like that. She received informations, mixed them at her own sauce and conclude.

"You came with him, left us. You bore his damn child Annie ! How could somebody forget his own blood ? No damn incident can justify a man forgetting about his family."

"He has issue Carol, Elijah is—"

"Stop giving him excuses. If he wants you he will get back on his damn feet and claim you back. We done the boxes, put some fine dress on this ass and we go"

"Lois—"

" Leshawna coming to watch her"

Annie rolled her eyes, her childhood friend prepared everything. Somehow seeing Carol, all agitated in her house making Annie remember the times they spent in Delta.

Carol had always been like this. She disliked the twins back then, so no wonder she was badmouthing right now.

"Who face eviction and first thing is clubbing..." Annie cursed under her breath, pouting

"Your goddamn ass baby. You will. See this ?" Carol bent over showing off her booty "you gonna shake that shit all night"

The women laughs echoed through every walls of the house.

8:55 PM

No wonder he always put distance with white chicks. Stack knew some acquaintances who got behind bars because they crossed limit with those. However, Elijah was not a random guy he came to know by chance.

What his brother confessed earlier the day still stuck in his throat, impossible to swallow.

"You ain't told me why yo shit got hard tho" Stack asked, pulling out smoke from his cigarette.

Elijah didn't answer right away. Not that he was ashamed to admit he was fucking a woman other than Olivia in his dream. But what was troubling was the resemblance the mysterious woman shared with the pharmacist he encountered earlier the same day.

"I went downtown buying pain relievers from a pharmacy, Hayes Pharmacy it named..."

"So the pain relievers was in fact a viagra ? You sure we twin ? Cause I ain't got no problem with my soldier down there" Stack laughed, teasing him.

"Shut it. I ain't bought no drug. Just the woman pharmacist, she was damn strange. She looked at me with those eyes..."

Stack grinned affectionately. He was relieved to see that no damn programs can stray his brother away from Annie. That nigga function was set up with her name script in it.

"That pharmacist huh ? How was she ?" Stack asked, provoking Elijah

"Tch" Elijah sucked his teeth, even if he hadn't recovered his memory yet, he learned to understand his brother's tricks "she was fine. Tall with a black obsidian skin. Full size, curvy body. The most beautiful part of her, would say were her eyes. Two roundish brown jewels, sloppy as she was always tired. I ever saw a glistening afro like hers before. She was wearing it in a updo, with a string of hair drilling down her breasts" Elijah hummed before continuing "she has no name tag. So I asked directly for it, instead"

Elias looked at his brother amazed. The first time he mentioned Annie's eyes was years ago. Stack remembered his brother stunned face when they bumped into her while she was sweeping her grandmother backyard.

His twin was stoned on place, mesmerized. He stuttered, eyes dilated, asked him about who she was, her family name, where to find her. Goddamn did Stack knew what to answer back then  !

"Still got a thing for these goddamn eyes huh, Elijah ?" Stack smirked, mumbling under his breath

"What ?"

"No, nothing" Stack said "just that I simply asked how she was and you gave me a whole essay. She got you huh" Stack chuckled

"She got ring on her finger. Stop disrespectin' her" Elijah stood off the giant armchair he was resting in.

"Bout' you ?"

"Ain't the same you know it."

"Cool. Still, that ain't telling me why ya got hard when that bitch pulled out ya dick bro"

"I was fucking that damn pharmacist—Annie in my dream."

Stack damn near choked. His laughter cut sharp, then turned into a wheeze as he leaned forward, wiping at his eyes.

"Boy—what?"

Elijah dropped back into the chair, arms crossed, jaw tight. He didn't repeat himself.

Stack blinked at him, half grinning, half shook.

"Goddamn."

Elijah stared straight ahead, unblinking.

"I woke up hard, confused. That blonde girl was pulling out my shit." Stack didn't move. He wasn't laughing no more.

"She laid there pretendin' she ain't know why. Like I ain't see that look in her eye."

"You ain't gotta explain none of that to me."

Elijah looked up, guarded. "Yeah? Feels like I do."

"No," Stack said. "You a man who got assaulted. End of story. Ain't no explanation needed when truth already bleeding out your mouth."

Stack rubbed the bridge of his nose.

"You said that, the woman pharmacist's name was Annie. Did it rang a bell ?"

"I don't know. I didn't even see her face in that dream"

"So, you just assumed it was Annie."

Elijah's mouth opened, then closed.

He shifted his glance somewhere left, as if the plain white wall became suddenly interesting.

"I—shit, man. Let's say she did turn me on a bit. Now what?"

Stack grinned, leaning back with arms crossed.

"Why you ain't get her then? I got her number, you know. She's a friend of mine."

Elijah snapped his head around. "You lyin'."

Stack shrugged, smug. "Try me."

"I ain't touchin' no married woman," Smoke muttered, shaking his head. "You saw that gold on her finger?"

"So?"

"So?" Elijah echoed, voice rising. "So I ain't that kinda man, nigga. No matter what I dreamed or how fine she is. I don't come between folks."

Stack raised a brow, amused. "Ain't say you had to snatch her ring off. Just... sayin' if she makin' you dream in color, maybe that ring doesn’t mean what you think it does."

Elijah scoffed, but the flinch in his eyes betrayed him.

"That ain't my business," he said, quieter now. "She ain't mine. And I ain't hers."

9:15 PM

"Carol. I don't feel good here."

"Relax. The night is still young."

Annie shifted on the leather barstool, tugging the hem of her dress down for the third time. It clung to her hips a little too tight, showed a little too much thigh. The neckline dipped lower than she remembered when Carol held it up at the house.

"This dress is too short Carol,"she whispered, eyes darting.

Carol didn't even look her way. She was already waving down the bartender with that southern confidence.

"It not short babe. It's sexy. And tonight we ain't playin' no damn Holy Mary."

Annie exhaled slow, her knees pressed tight. The lights spun above the dancefloor in flashes of blue and white, catching on the shimmer of sweat on bodies pressed too close. Her ears were already ringing from the bass, her heels sticking slightly to the beer-slick floor.

Both sat at the bar. Carol didn't stay long there, swinging to the center, shaking her whole body.

"Don't make the wait long Annie !" She shouted through the bass pulse

Annie rolled her eyes, decided to not leave this bar. Lord ! Her dress practically shoved up, showing her ass.

"Hey beautiful, how are you?"

Annie didn't turn right away. She heard the voice : smooth, confident—but kept her eyes on the drink menu she wasn't reading.

"I'm good," she answered.

He slid into the seat beside her, not too close. Well-dressed in a clean blazer, watch catching the bar light, cologne hanging but not heavy. He smiled, easy and polite.

"You sure? You look like you could use a drink."

She finally glanced at him. Mid-thirties maybe. Dark skin, arms covered with tattoos, trim beard, neat fade, calm eyes. He was handsome, undoubtedly. But she wasn't looking for anything he could offer.

"I'm alright, thanks."

He nodded, not pushing, just resting his elbows on the bar. But he didn't leave either.

"Long week?" he asked.

Annie gave a small sigh. "Something like that."

She was not playing hard to get, she just didn't want to get bother by such demi-godly creature, sitting by her side. Life taught her to always be aware of fine man.

He smiled again, then caught the bartender's eye. "Let me get her something light. Maybe cranberry and vodka? Just one."

Before she could protest, the drink was already being poured.

"I said I didn't—"

"I know," he said, handing it over. "But it's just a drink and—"

SPLASH

"Damn my bad. Thought you needed it more than her...I mean, a drink"

The man got drenched of cranberry, his blazer sticky and soaked, smelling of fierce vodka

Annie turned her gaze up, slowly, her heart catching in her throat. : Elijah

Tag List

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[leebrontide]

The cloudstrike bluescreenapalooza has kind of highlighted to me that nobody really talked about the HUGE ransomwear attack that happened earlier this year in the medical sector. It was US specific but still a huge deal.

It's technical but there's something called a clearinghouse, that handles the actual payment side of insurance claims. Basically, they make it so the money from your insurance provider actually gets to your doctor.

Change Healthcare works with many insurance companies and is responsible for about 1/3rd of ALL US medical claims.

And they got hacked. And they paid out 22 million.

And what ended up happening is basically many many many...possibly most? health providers just...didn't get paid. For like several months. With no information on when they'd get paid again.

Now, if you're a huge hospital conglomerate, and you know the money will come EVENTUALLY, you can talk to the bank and be fine.

But if you're, like me, a single therapist, working for yourself, you're kind of hosed. Or a small dental practice, or basically anyone not hiding under a corporate umbrella.

So if your small office recently shut it's doors, this may be why. They just didn't make it.

As it happened I was still getting paper checks instead of direct transfers because of some paperwork schenanagins I was actually trying to fix before all this went down, so I was completely unaffected and in fact wasn't sure what was happening till I went to my providers consult group and saw all my fellow therapists looking haggard and grim talking about how they were gonna try to avoid foreclosure on their home.

Between these and the huge student loan ransomware attack last year...idk idk I just think maybe massive corporations that millions of people depend on for their basic needs should be regulated to hell and back so they stop slacking to save $ and then screw everyone over with no personal accountability.

[kamwritesonvicodin]

House and Wilson’s Spotify Playlists: A Study in Emotional Damage and Inexplicable Vibes

🎧 Wilson’s Spotify Playlist Titles Include:

“It’s Not Codependency If It’s Mutual” → Features Sufjan Stevens, Bon Iver, Death Cab for Cutie, and like three separate versions of “Hallelujah.” → Has 46 likes. One of them is House, but only to make fun of it.

“Soft Boy Oncology Hours” → Entirely instrumental piano covers of 80s power ballads. → Used while reading medical journals or staring dramatically out windows in the rain.

“Gregory House Is Not My Problem (He Is)” → Secret playlist. House has heard it. It’s 90% breakup songs. → Wilson insists it’s “just for patients.” Lies.

🎧 House’s Spotify Playlist Titles Include:

“Blow Out Your Ears Before You Blow Out Your Knees” → Nine Inch Nails, AC/DC, The Hives, whatever garbage was playing in that strip club off Route 9. → Wilson banned this from the living room Sonos after Olivia cried and said, “Why is daddy listening to robot fighting?”

“Foreplay & Foreclosure” → Self-curated sex playlist. House thinks it’s subtle. → It starts with “Closer” by NIN and ends with a slowed-down version of “Toxic.” → Wilson has never made it past track three without yelling “Absolutely not” and leaving the room... also Rammestein

“Songs to Listen To While Solving Diagnoses and Avoiding Feelings” → Moody jazz, 70s rock, and like, one random Taylor Swift track House refuses to acknowledge.

🩺 Shared Playlist: “Domestic Gay Doctor Chaos”

Made by Wilson, secretly edited by House.

Contains: → Billy Joel → Elton John → Indigo Girls (Wilson’s fault) → Weird Al (House’s fault) → One (1) Celine Dion ballad...

[robertsbig60]

Stop Foreclosure in Dallas

Stop Foreclosure in Dallas

Herein are a number of programs to assist homeowners who are at risk of and want to “Stop foreclosure in in Dallas,” and otherwise struggling with their monthly mortgage payments. Please continue reading for a summary of resources available. Please read FHA’s brochure, “Save Your Home: Tips to Avoid Foreclosure,” also published in Spanish, Chinese and Vietnamese. Stop Foreclosure in Dallas A…

[qgotfat]

hi all, my friend Jude and their partner are going through it with housing security and could use your help! they don't currently have a tumblr but I offered to crosspost for them. the text of their original post is below: "I hate that we've been pushed to this point, but we might be forced to leave Washington and move back to Oklahoma if we can't get this handled. Please, if you're able to help out, or even simply share this, that would make a tremendous difference for my wife and me."