#Debt Collection Payment Processing
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mylawyeradvise · 2 months ago
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India E-Commerce Payment Recovery: Proven Legal Solutions for US based Corporations to Recover Back their Struck Money from India in 2025
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How does the e-commerce market in India deal with the problem of payment recovery? Along with the massive increase in electronic commerce purchases, uncompleted transactions, refunds, and chargebacks have become standard problems. The reports suggest that the country’s digital transactions market will be $10 trillion by 2026, making efficient recovery mechanisms all the more necessary. The businesses are using artificial intelligence in fraud detection, automatic reminders, and legal frameworks to process the recovery of payments, thereby reducing the loss.
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auxpay · 2 years ago
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Overcoming Cash Flow Challenges: AuxDrive's Solutions for Auto Dealership Payment Collections
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Introduction
In the dynamic world of auto dealerships, where cash flow is king, managing payment collections efficiently is critical. AuxDrive, with its human-centric approach, emerges as a strategic ally for auto dealers, offering tailored solutions to address the nuances of payment collections. Let's delve into how AuxDrive is revolutionizing the landscape of auto dealership finances.
Navigating the Cash Flow Maze
Auto dealerships, ranging from independent lots to large franchises, grapple with the complexities of payment collections. Timely and streamlined transactions are imperative for sustaining a healthy cash flow. AuxDrive recognizes the unique challenges in this industry and tailors its solutions to empower auto dealerships in overcoming cash flow hurdles.
Customization for Diverse Dealerships
Understanding Diverse Needs
One size doesn't fit all in the auto industry, and AuxDrive understands this. It takes a personalized approach, comprehending the distinct needs of independent dealers, franchise networks, and everything in between. By acknowledging this diversity, AuxDrive ensures that its solutions align seamlessly with the operational intricacies of each dealership.
Efficiency Through Customization
AuxDrive's customization extends beyond a mere feature; it's a philosophy. Whether dealing with fluctuating sales volumes or intricate financial flows, AuxDrive adapts its systems to provide bespoke solutions. This adaptability ensures that auto dealers experience not just efficiency but a tailored approach that resonates with their specific requirements.
Automation: Simplifying the Payment Process
Streamlined Operations
Efficiency is at the core of AuxDrive's strategy. By introducing automation into various aspects of payment collections, including reminders, invoicing, and transaction processing, AuxDrive streamlines operations. This not only reduces the administrative burden on dealership staff but also ensures that payments are processed promptly, contributing to a healthier cash flow.
Enhancing Customer Experience
Beyond efficiency, AuxDrive places a strong emphasis on enhancing the customer experience. Its user-friendly interface allows customers to make payments effortlessly, view transaction histories, and interact with customer support seamlessly. In an industry often criticized for impersonal transactions, AuxDrive humanizes the payment experience, fostering better relationships between dealerships and their valued customers.
Preparing for the Future: Technology-Driven Operations
Embracing Future-Ready Technology
As technology continues to shape the future of auto dealership operations, AuxDrive positions itself at the forefront. By combining automation with a human touch, AuxDrive not only meets the current demands of auto dealerships but also prepares them for a future where technology plays a pivotal role in every aspect of operations.
Conclusion: AuxDrive — Transforming Auto Dealership Finances
In conclusion, AuxDrive is not merely a payment processing platform; it's a transformative tool for auto dealerships seeking efficiency, customer satisfaction, and a competitive edge. By tailoring solutions, introducing automation, and embracing future-ready technology, AuxDrive is reshaping the narrative of payment collections in the auto industry. Auto dealerships looking to overcome cash flow challenges and streamline payment operations should consider AuxDrive as their strategic financial partner. Visit AuxDrive.net to explore how its innovative solutions can transform your auto dealership's payment collections.
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edenesth · 1 year ago
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TWTHH Spinoff: Take Me Away [1]
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Pairing: private investigator!Wooyoung x courtesan!reader
AU: historical au (Joseon era)
Word Count: 5k
Trigger Warnings: forced prostitution
Summary: While working on a new case in town, Wooyoung was captivated when he stumbled upon a beauty unlike any other. Just as he began to believe that he might have found a Lady Park of his own, word got out that she was merely the newest courtesan at the town's brothel. Disheartened by this revelation, he nearly abandons his pursuit of her until he hears whispers suggesting that she may not have been there of her own will.
A/N: As stated in the title, this is a spinoff. If you have yet to check out the main story, it's probably better to read that before starting this.
Main Story | Spinoff Masterlist | Part 2
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"If you're just going to hide in the corner and not even attempt to attract potential clients, then make yourself useful and collect my new hair accessories from this shop," commanded Iseul, one of the more senior courtesans, as she handed you an invoice listing her orders for specific designs.
Rather than protesting or attempting to evade the task as she had anticipated, you enthusiastically agreed, "Of course, unnie!" before taking the document from her and dashing out of the brothel.
"Thank heavens. Anything to escape that dreadful place," you whispered to yourself, clutching the parchment close to your chest. You were relieved to be away from the hellhole that was supposed to be your new home, even if only for a bit.
Instead of keeping an eye out for the shop whose name and address were stated on the invoice, all you could concentrate on was the sight of ordinary people living their lives freely. You remembered once dreading the idea of having to marry out of obligation once you reached a certain age, but now you would gladly choose that life over this one. At least then, you would only belong to one man instead of any man willing to pay for your company or... services now.
Had you known a week ago how drastically your life would change, you would have run away from home much sooner. You should have done it earlier, if only it weren't for your tender, foolish heart that still felt sorry for your deadbeat father. He had done nothing but drink and gamble away all the money you earned from washing dishes at a nearby food stall. And all of that just for him to sell you off to a brothel when he realised he had no money left to pay off his debts.
A week before today, he stumbled home reeking of alcohol and vomit after being gone all night. He moved to drag you to your feet while you were tidying up the shabby little home you had grown up in, his tight grasp tearing a hole in the thin, worn hanbok clinging to your frail frame. You struggled against his hold, crying out, "What in god's name are you doing, father?! Let me go!"
Confused about his intentions, as he typically treated you as if you were invisible and only approached you when he needed money, you received no response. He dragged you toward the entrance and threw you out, causing you to land roughly on the ground.
As you gazed at the expensive fabric before you, you looked up to see a well-dressed woman with heavy makeup smirking down at you, "You'll do just fine. Thank you, Mr. Han. We accept your payment. I hope you're comfortable with never seeing her again, unless you decide to pay the Mansion of Midnight a visit, of course."
Your heart stopped in recognition of the name. The Mansion of Midnight—the notorious brothel that had haunted your nightmares since you were old enough to understand its existence.
You couldn't believe it.
Refused to believe it.
How could your father do this to you? How could he sell his own daughter to such a place just to pay off his debts?
Anger and disbelief surged within you as you struggled to process the enormity of his betrayal. Tears welled up in your eyes as you fought against the overwhelming sense abandonment. Clutching the torn fabric of your hanbok, you felt a profound sense of loss and despair. This wasn't the life you had imagined for yourself, and yet here you were, thrust into a nightmare from which there seemed to be no escape.
Turning to look at him, you knew all hope was gone when you found him waving his hand dismissively in response to the woman you now recognised as the brothel madam, "Whatever, so long as this means my debts are cleared. Just take her and go."
His callous words pierced through you like a knife, confirming what you had feared deep down. There would be no rescue, no redemption in his eyes. He was willing to sacrifice you without a second thought, all for the sake of his own selfish reasons.
Disgust and rage bubbled up inside you as you stared at him, unable to comprehend how a father could abandon his own flesh and blood in such a manner. The man you once hoped would someday change for the better was now nothing more than a heartless stranger.
I guess I'm the fool for staying.
With a heavy heart, you turned away from him, silently vowing to never forgive him for his betrayal. In that moment, you knew you were alone in this world, left to fend for yourself in a cruel and unforgiving reality. But despite the overwhelming despair that threatened to consume you, you refused to give up hope. You would find a way to survive, to reclaim your dignity and freedom.
Now, trapped in this place, you cursed yourself for even pitying him when you should have abandoned him, just like your mother did when you were merely a child. She left him for someone who could offer her a better life, one with no room for you. She left you with this sorry excuse of a man. Sometimes, you wonder why they bothered bringing you into this world in the first place, just for you to endure a life filled with so much unhappiness.
Lost in thought and unaware of your surroundings, a startled gasp escaped your lips as your shoulder bumped into another man's, causing the parchment in your hand to slip to the ground along with a few items belonging to him, "Oh dear, I'm terribly sorry! I should have been more attentive. Here, let me help you gather your belongings," you apologised hastily, scrambling to collect his things while he did the same. Your movements paused when he accidentally grabbed your hand as you both reached for the same item.
"It's fine, my lady. Let me take care of it—"
As you lifted your heads to meet each other's gaze, your breath caught in your throat upon making eye contact. While you internally chuckled with a mixture of disbelief and sadness, realising how romantic this first encounter with this good-looking stranger could have potentially been if only you were an ordinary girl, he was too captivated by your beauty to utter a word.
So beautiful.
As Wooyoung took in the stunning lady before him, his heart skipped a beat. After encountering a woman as beautiful as Lady Park, he had almost resigned himself to the idea that he wouldn't find anyone more gorgeous. Yet, today, he found hope as he marvelled at you.
Judging from your initial reaction upon bumping into him, you were clearly not some rich little spoiled brat. There was a genuineness about you, a humility that spoke volumes to him.
Now, he just had to put his investigator skills to good use; find out who you were, which house you hailed from, and whether you were betrothed to another. If all went according to plan, he envisioned courting you, and perhaps, finally experiencing what it was like to have the kind of connection General Park and his wife shared—a love that transcended time and circumstance.
With determination in his heart, Wooyoung made a mental note to uncover the identity of this intriguing woman. You were a rare gem amidst the chaos of this world, and he was determined to unravel the mystery surrounding you.
As his gaze lingered on you, self-consciousness crept in. What if he was seeing through your identity? What if he knew the kind of job you were meant to be doing? The thought made you uneasy. Was that why he couldn't take his eyes off you? Perhaps it was his first time seeing a courtesan up close?
He could be disgusted for all you knew.
Blinking rapidly, you pulled your hand away and hurriedly stood up. Without giving him another chance to speak, you bowed deeply and politely excused yourself. You could still feel his intense stare burning into your back as you ran off, eager to get away from him for fear of his potential reaction when he realised what you were.
Tears of frustration blurred your vision as you struggled to focus on finding the damn shop you were meant to visit. Your heart felt heavy with hopelessness, knowing that thanks to your father, your life would never be the same. It was ruined now, irreversibly altered by his selfish actions.
Even if you were to somehow make your escape from this nightmare, your reputation would forever be tainted by this part of your history. There was no way you'd be able to hide the truth from anyone—the truth that you were once a courtesan at the Mansion of Midnight. The thought filled you with despair. No one would ever be able to accept you, nobody decent ever would.
Each step felt like a burden as you trudged along the unfamiliar streets. The world seemed bleak and unforgiving, with no glimmer of hope on the horizon. You felt utterly alone, with nowhere to turn and no one to confide in.
Help. Somebody, please help me.
Watching the mysterious, beautiful stranger he had encountered run off in the opposite direction, the investigator felt his heart pound in his chest. He tried to commit the image of your angelic features to memory, already excited to learn more about you.
For once, after completing his last assignment at the general's estate, he felt a glimmer of hope. Seonghwa had dismissed not only him but also Yunho and Hongjoong as soon as his grand wedding ceremony in the palace ended, expressing his desire for some alone time with his beloved wife. It seemed like everyone was moving on with their lives; the last Wooyoung had heard, the physician had returned to his clinic, and the dressmaker had resumed operations at his shop, both happy to grant the couple their much-needed honeymoon.
Except for him.
He had missed the thrill of working for the great General Park. While he loved his job, no other cases could ever compare to the adrenaline rush of working for his role model. Besides, that wasn't the only perk; he also had the opportunity to see the beautiful Lady Park nearly every day. He had been feeling bored, merely going through the motions with his current case until now.
His passion for investigating was reignited.
Screw his current case; it wasn't that important anyway. He had been hired by some wealthy old noblewoman to investigate whether her husband was cheating on her. It was while he was tailing the sleazy old man that he found himself in this part of town. But it looked like his new employer's case would have to take a back seat for now. Perhaps he should thank the old couple; otherwise, he wouldn't have stumbled upon his new dream girl today.
Yes, his new dream girl, because until just moments ago, that position had been occupied by Seonghwa's wife. Luckily for him, the general never discovered his tiny crush on her; otherwise, leaving the estate unscathed might have proven difficult. Jongho and Hongjoong had graciously kept his secret, for which he felt eternal gratitude. For his sake, he sincerely hoped the two would carry this secret to their graves. After all, he now has a new goddess to worship.
Without wasting a moment, Wooyoung immediately approached the people around him who had witnessed his accidental collision with you. Although most shook their heads, claiming they didn't recognise you, he tried not to be discouraged. With his skills, he knew he could gather all the information he needed in no time.
That night, he returned home and sketched the enchanting features he still vividly remembered before going to bed. His mind buzzed with the possibilities of who you could be. The following day, he planned to inquire again, armed with the drawing he had created. As the famous investigator Jung Wooyoung, he believed there was nothing he couldn't find if he set his mind to it. And now, he was investing even his heart into it.
The next morning, he rose extra early, having barely slept as endless thoughts of the mysterious beauty consumed his dreams throughout the night. He hastily devoured the breakfast prepared by his servants, bid his parents goodbye, and rushed out of his family estate toward that part of town once again. Eager to learn more about you immediately, he clutched the drawing tightly in his hand, feeling a glimmer of hope.
As he questioned people with the help of his sketch, some claimed to have seen you around but didn't know enough about you to provide further details. Nonetheless, it was a promising start. Surely, as he ventured closer to where you first emerged the day before, he would come across people who knew you.
True enough, it didn't take long for him to find someone who recognised the sweet face from his drawing. The middle-aged man smirked as he glanced at the parchment in Wooyoung's hands, "She's quite the beauty, isn't she? That, right there, is the newest recruit at the Mansion of Midnight."
"The Mansion of Midnight...?"
"Yes, it's the most well-known brothel in town, young man. Don't tell me you haven't heard of it? I suppose your young age explains it. Most of the patrons are older men, but I expected you would at least have heard of it. If you're looking for a future wife, she might not be the one for you. Beautiful as she is, she's merely a courtesan. Go find yourself a proper lady, son."
Disappointment crashed over him like a wave, his heart plummeting at the revelation. A courtesan...? All his idealistic fantasies of courting you shattered in an instant. He should have realised it was too good to be true. How could he have thought he found his own Lady Park so easily? With a heavy heart, he stuffed the piece of paper back into his pocket and trudged away, head bowed in shame. What would his parents or friends think if they knew he had been foolish enough to pursue a worker from a brothel?
Determined to rid his mind of thoughts of you, he committed himself to refocusing on his current case. In the following days, he threw himself into his work, seeking distraction like a heartbroken man. He constantly reminded himself that it was irrational to feel such strong emotions for someone he barely knew. Deep down, he knew that his infatuation was only with an idealised version of you, and not the actual you. Yet, despite this awareness, he still struggled to let go.
With a sigh, he scolded himself for letting thoughts of you distract him again while tailing his employer's husband. Shaking his head, he forced himself to focus on the task at hand—to observe the old man's interactions and track his movements. His heart sank as he realised the intimidating building his target eagerly approached. Numerous women, adorned in heavy makeup and revealing hanboks, lingered near the entrance, attempting to attract potential clients. The words 'Mansion of Midnight' adorned a large sign in the centre of the establishment, with red curtains billowing out from open windows of various rooms on the upper floors.
Of course, it had to be here.
Suddenly, a dreadful thought struck him.
He shuddered at the possibility of you being the company his target had been seeking all along. The mere idea felt repulsive—a vision of that old man with his hands all over your delicate form. He turned to leave, no longer willing to entertain such sickening scenarios involving you. At least the case was closed. He had obtained the answers his employer sought; her husband had been frequenting the brothel. Whether or not that constituted cheating would be for her to decide. He was finished and wanted to put as much distance between himself and this place as possible.
As he tried to leave the area, his steps faltered when he overheard a conversation between a stall owner and their customer, "Have you heard about the new courtesan at the Mansion of Midnight? I heard the poor thing is there against her will, that's why she always looks so sad. Apparently, her father sold her to settle his debts—"
That was all he needed to hear before a pang of regret pierced his heart. Why hadn't he investigated more thoroughly? Why had he given up on you so easily? If that were true, you must have been terrified. The idea of your own father doing this to you made his blood boil. Suddenly, he found himself understanding General Park's fury towards the former Minister Jang all too well.
Useless son of a—
A sudden wave of protectiveness engulfed him as he felt the urgent need to rescue you. Acting on impulse, he swiftly turned around and sprinted back toward the brothel. It wasn't until he reached the establishment again that he realised he lacked a plan. What was his next move after discovering your actual situation?
Think, Jung Wooyoung, think!
Before he could even formulate a plan, one of the courtesans approached him, her demeanour dripping with seduction. She pressed her chest against his side, trailing a seductive finger across his chest. Her mouth watered at the thought of entertaining such a young and dashing man after dealing with disgusting old men for so long, "Hello there, handsome. Would you like to spend a little time with us? Have some fun? Here at the Mansion of Midnight, we provide only the best services," she purred, winking at him. He struggled to push her off without appearing too rude, feeling incredibly uncomfortable with her touchiness.
"I-I... yes, I'd like to spend some time with the newest courtesan here, please," he stuttered, managing to free himself from her grasp.
With a scoff, she crossed her arms over her chest in disbelief, "You mean Miss Han? Why? Just because she's new? She's been here for a week and is still a virgin. I assure you, experienced courtesans like myself would know better how to satisfy you."
As she attempted to promote herself further, an older woman who appeared to be in charge intervened, glaring at her, "Enough, Iseul. What did I say about respecting our client's wishes? It's not you he wants. Accept it and move along," she reprimanded. Turning to Wooyoung, the brothel madam grinned, "So, you'd like to request Miss Han, hm? I understand. She's around your age and is still pure. If I were you, she might be the only one I'd want too. Tell me, how long would you like to spend with her? An hour or two?"
"I want her to myself for the rest of the day."
"Miss Han, you fortunate little thing! Congratulations on securing your very first client. This dashing young man seems utterly smitten by you, to have reserved your company for the entire evening."
You tightly clenched your trembling fists to your chest, suppressing a terrified whimper as you listened to the brothel madam's devious teasing. You had prayed fervently that nobody would request your services, doing everything you could to remain inconspicuous over the past week, hoping they might see you as more suitable for hard labour; you'd much rather be the lowest servant than do any of this.
Yet, here you were, already with your first client, and not just any client—this man had gone as far as to secure your companionship for the entire day. Such occurrences were rare, even for the most sought-after courtesans in this establishment. You couldn't fathom who this person might be, how he had learned of you, and why he'd spend so much to buy your time.
"Wh-who is it? This customer..."
"Wouldn't you like to know? It's none other than the famous private investigator Jung Wooyoung, known for his significant role in aiding General Park's capture of former Minister Jang. I suppose even men with a strong sense of justice are still susceptible to desire," The sly woman drawled, winking at you, "Don't disappoint us, girl. A client of his calibre could become a valuable long-term patron. Treat him well."
In anticipation of this highly significant new client, they went to great lengths to prepare you. After informing you of the news, the brothel madam called upon a team of staff to bathe you and dress you in a seemingly brand-new hanbok. It was almost as revealing as the ones worn daily by Iseul and the other popular courtesans. Usually, newer girls like yourself were given hand-me-down hanboks that were less appealing, given your status. However, this didn't alleviate the pressure you were feeling; if anything, it intensified, knowing how valuable this client must be.
God, why? Why me, of all people?
You should have known that all men were alike. No matter how noble or upright they might seem, they were ultimately driven by temptation. At the end of the day, they all desired the same thing. You could only hope that he would at least go easy on you. Your heart raced in your chest as you sat on the bed in the room assigned to you and him for the night, waiting for him.
To steady your trembling hands, you balled them into fists, feeling your nails dig into the skin of your palm with such force that you were certain they would break soon. Just as you were about to sink deeper into your endless pool of misery, you froze at the sound of footsteps approaching the room. Internally cursing your father once more, you braced yourself for what lay ahead.
"This way, Mr. Jung. She's ready for you."
Hearing those words turned your stomach. Yes, this was your current reality. You were nothing more than a commodity—a comfort woman for hire. An object for men to exploit when they sought release, to use as they pleased, as long as they could pay for it.
As you accepted your fate, you closed your eyes and bowed your head, the wooden door creaking open slowly. There was no escape from this—his reservation for the entire evening could only mean one thing. He hadn't bought your time just for conversation and a meal. No, he was here for the reason most men visited a brothel. This was it; this was how you'd lose your innocence.
"Miss Han...?" The man's uncertain voice echoed through the room.
Lifting your gaze to meet the individual who would be claiming your innocence tonight, your eyes widened in recognition as soon as you laid eyes on him. He was the handsome stranger you had collided with the other day. With a gasp, you uttered, "It's you..."
"So, y-you're the famous private investigator? Wh-what are you doing here?" You asked, then shook your head and cleared your throat, "Wait, I'm sorry. That was a foolish question; everyone knows why men come here." Inside, you couldn't deny the disappointment. His initial impression had been shattered now that you knew he was your first client. He didn't seem like the type to visit such places, but you supposed you couldn't judge a book by its cover.
His eyes widened at your implication, and he quickly shook his head, waving his hands to deny it as he stepped closer to you. Seeing you visibly shrink back, he made sure to keep a respectful distance, "No, you don't understand. I'm not here for that, Miss Han."
Lowering his voice, he took a seat in the nearest chair and continued, "I'm here to help you. My name is Wooyoung, as you already know, and I'm an investigator. I heard you're here against your will because of your father. Is that right?"
He fought to keep his composure, trying not to let his gaze linger too long on your features. He could feel the blush creeping up his cheeks as he struggled not to let his eyes wander further down to the sheer hanbok, which left your bare shoulders exposed thanks to its see-through material. Typically, such hanboks were reserved for married women about to spend the night with their husbands. The realisation that he was alone in a room with his dream girl dressed like that was enough to leave him flustered.
But he knew he needed to focus on the task at hand. Now was not the time to be feeling shy or distracted. He had a more important mission: to get you the hell out of here. So, he pushed aside his feelings and did his best to remain composed for your sake.
Nodding slowly, you furrowed your brows with scepticism, "Help me? Why? You don't even know me. What's in it for you? I have no money, and the only thing I can offer is..." Your voice trailed off as you glanced down at your body. Your distrust was palpable as you considered whether you could trust him. Just because he was the investigator who helped General Park capture the former Minister of Military Affairs didn't mean he had any obligation to you.
Understanding your hesitation, Wooyoung sighed deeply. He sympathised with your reluctance to trust a stranger, especially considering the betrayal you had experienced from someone you should have been able to rely on. He didn't blame you for questioning his motives; it was a reasonable response given the circumstances.
He looked into your eyes with a sincerity that struck you deeply, "Listen, not all men are like that," he said earnestly, "I know it may seem difficult for you to believe that someone would be willing to help you without expecting anything in return, but I'm here to prove to you that we exist. I'll admit your beauty captivated me initially, and I genuinely intended to court you. But after learning the truth about your situation, what kind of person would I be to not help? I won't rest until I get you out of here."
His words struck a chord within you, and there was a sincerity in his tone that you had rarely heard, not even from the people you called your parents. Despite your initial scepticism, you decided to believe him, if only for this moment. After all, if someone truly wanted to rescue you from this dreadful place, who were you to object?
You suppressed the shyness that arose upon his admission of his intentions to court you. Memories of your first encounter with him flooded back, making you ponder how different things might have been if you were an ordinary girl. Nevertheless, you were grateful he hadn't given up on you despite discovering your identity. Perhaps it wouldn't be so bad to have a friend in him.
Moving to sit across from him at the dining table in the centre of the room, you nervously fidgeted with your fingers, "Alright, Mr. Jung. I'll choose to trust you. I appreciate your efforts to help me, but... how do you plan to do that? The Mansion of Midnight isn't a small establishment. They've been around for as long as I can remember, and none of the girls working here have been able to just walk out as they please. As far as I know, I'm part of their property now."
"Not if I can help it. The larger the establishment, the more skeletons they have in their closet. Especially in a place like a brothel, I doubt their operations are entirely above board," he explained, "I'll keep returning for the next week, and buy up all your time. That'll keep other patrons away. Meanwhile, I'll use that time to snoop around. Trust me, we're getting you out of here, no matter what." He reassured you with a warm smile gorgeous enough to melt your heart, but you didn't let it show.
I most certainly hope so, Mr. Jung.
You couldn't help but admire his unwavering determination, even though a part of you hesitated to allow yourself to feel hopeful. You dared not raise your hopes too high, afraid of the crushing disappointment that would follow if his plan were to fail. Yet, at this moment, you were grateful to have crossed paths with him, whether or not he'd be able to get you out of here.
« Preview of Part 2 »
"Sir, Investigator Jung is here to see you," Jongho announced at the entrance of his master's study, an anxious Wooyoung standing beside him. The general raised his brows in surprise, "At this hour? Let him in."
Without hesitation, the investigator rushed into the room, "My lord, I apologise for showing up unannounced so late at night! I know you said not to bother you and Lady Park for the time being, but there's something urgent that I need help with—"
"Woah, breathe, Wooyoung. Calm down and take a seat. Jongho, please bring us some tea," With a bow, the assistant moved to leave before halting when Seonghwa called out to him again, "Wait! On your way back, let the mistress know not to wait up for me. I have a feeling this won't be a short meeting."
"Of course, sir," the assistant replied.
Feeling guilty for getting in the way of what should have been the couple's honeymoon time, the younger man sheepishly rubbed the back of his neck, "Gosh, I really am sorry to intrude on your alone time with your wife."
The general smiled reassuringly, shaking his head, "Please don't worry about it. It must be important for you to rush here so late. Besides, you've helped me plenty before. It's only right for me to return the favour now. Tell me, what do you need help with?"
"I know I previously declined the bonus incentives you offered, but... would it be alright for me to accept them now?"
Wooyoung hadn't fully considered the financial implications when he confidently promised to return to the Mansion of Midnight every day for the next week. It dawned on him how costly even one night there had been. He couldn't possibly ask his parents for money to be spent on a brothel. Despite it being for a noble cause, they'd have a heart attack. So, he had no choice but to seek financial assistance from Seonghwa.
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I was initially going to make this into a oneshot, but that would take me too long to post and I didn't want to make y'all wait any longer than you already have! So, voila! I'm breaking this into 2 parts. The next part will be the second and final part of this spinoff.
As always, thank you for reading and let me know your thoughts! <3
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tf2heritageposts · 3 months ago
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allllkright this should be thr last donation post i have to make
im moving out in may since my lease is ending and im living in a 2ned2bth alone thanks to my shitty ex who i kicked out. the main problem is my credit score is 600 at the moment due to my credit card debt from being broke. i have a clean file besides that(no collections or missed payments) and i’d have a way more passable credit score for complexes if i paid it off. the apartments im looking at are 700/month instead of the fucking 1700 i pay every month, which is REALLY good because we get paid 1.5k a month through the gi bill chap 35. regardless yeah we need to deal with this by the end of the month so we can get started on applications and the process of moving out. if we can move out we pretty much won’t need to make another one of these again because we’d be at an apartment where we can pay for everything incouding rent/phone bill/utilties/groceries without needing outside assistance (plus transferring colleges to one that has extremely good scholarships)
we got 700 dollars total of credit card debt we gotta deal with soooooooooo
c|shapp: $theteufortdozen
feemo: @theteufortdozen2
koffee: https://ko-fi.com/tf2heritageposts
poopy pal: https://www.paypal.com/paypalme/blucheavy3
0/700 :D
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charlotte-family-apologist · 11 months ago
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Suchin's Backstory In My AU
Warning: Non-Graphic Addiction and Suicide
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Suchin was the only child of a civilian mother and a former criminal father. When she was eight, her mother died in a car accident, causing her father to fall into a depression and relapse into his gambling addiction, taking out several loans from his old employer in the Red Dragon to support it. He lost his job within the year and started drinking, leaving Suchin to take care of him more often than not. He also fell back into old paranoid habits and took to training Suchin in case they went after her first.
Struggling with money, Suchin got a job at a local restaurant at fourteen, where she flourished socially. She even got a boyfriend at seventeen. Due to her always being away from home, she failed to notice her father spiraling further until he raided her savings when she was eighteen. She started to take more hours to build them back up, neglecting her relationships to do so. Because of this, her boyfriend broke up with her.
At nineteen, she came home to find her dad committed suicide. Upon reading the note, she learned all the debts had come to a head, and the Red Dragon was pursuing payment. The trauma of it finally breaking the barrier in her mind to fully activate her “radar” (see notes for explanation) that had been on and off her entire childhood.
Inheriting her father’s debt, Suchin fled and became a traveling vigilante known as Blackbird on a personal mission to destroy the Red Dragon and return to civilian life. She quickly became a notorious figure in Asia’s underworld for her efficiency and only took paid jobs to support her survival.
She swore off personal relationships and dedicated her life to completing her goal, investigating any lead on the Red Dragon she found. One of these investigations led her to Japan, where she met Kenshi for the first time.
And nearly killed him.
Notes:
Suchin’s radar is a danger sense ability she feels, not sees or hears. Despite it being a form of precognition, she can’t tell what is and isn’t a danger and has to identify them herself. She can’t turn it off and it works best when she’s calm and collected. The only time it doesn’t work is when she’s panicking, as it becomes hard to read and quickly overloads her senses and rational thoughts. It can also blank out when she doesn’t know how to process something, often freezing her in place. Because of it, she lives in a constant state of flight or fight and suffers from severe anxiety and paranoia, which is only made worse by her lifestyle.
Suchin’s father wasn’t physically abusive, only laying hands on her during training, even helping her patch any injuries before his addictions fully tanked his psyche. The majority of the trauma Suchin has from her father is from neglect, parentification, and the fallout of his suicide.
The timeline of these events are: 1957: Suchin is born 1965: Suchin’s mother dies in a car accident and her father relapses, taking out loans from the Red Dragon 1976: Suchin’s Father commits suicide, transferring his debt to Suchin (19); Suchin flees from the Red Dragon and eventually becomes Blackbird 1987: Kenshi (28) and Suchin (30) meet
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thollandsgirl2013 · 1 month ago
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𝐂𝐡𝐚𝐩𝐭𝐞𝐫 𝐄𝐢𝐠𝐡𝐭𝐞𝐞𝐧 : 𝐀 𝐋𝐨𝐫𝐝’𝐬 𝐏𝐫𝐨𝐦𝐢𝐬𝐞
Pairing → Lord! Tom Holland x Brothel Girl! Reader
Warnings → Emotional whiplash in the best way. A heart melting. Light crying.
Summary → Your freedom comes faster than you ever expected.
Masterlist I Chapter Nineteenth
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You were dreaming.
Soft morning light slipping through the window. The scent of warm bread, faint and distant. A familiar hum from somewhere deep inside the brothel, like the house itself was stretching its bones after a long sleep.
You barely stirred when the door creaked open.
“Sweetheart,” came Madam’s voice—low, urgent, almost breathless.
You groaned softly, rolling onto your side. “What time is it…?”
“Get up, darling. Quickly now.”
Your brows furrowed. You didn’t open your eyes.
“What happened?” You murmured. “Is something wrong?”
She sat on the edge of your bed, her weight shifting the mattress. Her hand came to rest on your arm, firm but shaking slightly.
“Sweetheart,” she said again, more gently this time. “Get ready. Your lord is here to take you.”
You blinked slowly. “What?”
“You’re free.”
That word didn’t make sense at first. It floated around the room like a feather in a storm.
You sat up halfway, still tangled in your sheets, eyes bleary. “Wait—what are you talking about?”
Madam's face was uncharacteristically soft. No sharp humor. No raised brow. Just warmth. And maybe a little awe.
“Honey. Lord Holland is downstairs. He paid off your entire debt. Every last coin. You're free.”
You stared at her. The words didn’t land right. They slid past your ears, like your brain was refusing to process them. You sat fully upright now, heart beginning to pick up pace.
“…..He did what? ”
“He came in first thing this morning. Brought the full payment. No fuss. No bargaining. Counted every coin. Told me, very calmly, that he’d like to collect the woman he loves.”
You pressed a hand to your chest, as if that might steady the ache rising there.
He really did it.
He paid your way out.
And he didn’t even tell you he was going to.
“He didn’t want you to worry,” Madam said softly, almost like she could read your mind. “Said it’d only scare you off if you knew too soon. Said he’d been planning it for weeks.”
You clutched your nightgown at the chest. “He—he mentioned it once. After we…” You swallowed hard. “After we were together. He said he might pay what was left. But he didn’t say it like—like it was certain. I thought he was just being kind. Or drunk off the moment. I didn’t think he meant it.”
Madam gave you a knowing smile, eyes crinkling softly. “Oh, he meant it, darling. Men say a lot of things when they’re inside a woman. But he doesn’t have that kind of selfishness in him. He meant it the whole damn time. He’s just been waiting for the right moment to do it.”
You stared at her, throat tight.
“He’s been coming here for months now,” she went on. “Always the same. Pays full price, sometimes double, and never asks for anything else. Doesn’t touch another girl. Barely looks at anyone else. He’s not just fond of you. He’s in love with you, darling.”
Your chest ached. “But I never asked him to do this. I didn’t want him to feel like he had to.”
Madam reached out, brushed a loose strand of hair from your face. “That’s why he did it.”
The words hit you harder than expected. You blinked, and suddenly your eyes were stinging.
“He came in this morning with his valet,” Madam continued, standing and smoothing her skirts. “Had the money ready. Said it was non-negotiable. I tried to haggle, of course—old habits die hard—but he just looked at me and said, ‘She doesn’t belong here anymore.’ Like it was the most obvious thing in the world.”
You looked down at your hands, trembling in your lap. “What am I supposed to do now?”
Madam paused at the door. “That, sweetheart, is entirely up to you. But if I were you, I wouldn’t keep a man like that waiting.”
And then she was gone, leaving the door slightly ajar.
You sat frozen for a long time. Long enough for the early sunlight to fully spill across the floor. Long enough for the warmth in your chest to grow so large it felt unbearable.
He really did it.
He really meant it.
You stood, legs shaky, and walked to the mirror. Your reflection looked unfamiliar—like a girl you hadn’t dared to imagine becoming. Not a brothel girl. Not a secret. Just… wanted.
Cherished.
Yours.
You reached for your comb with trembling hands.
Your man is waiting.
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You moved like you were in a dream, fingers fumbling as you buttoned the front of your plainest dress. No powder. No perfume. It didn’t feel right to mask yourself today. Not when everything was about to change.
Your hair was a bit messy still, but you left it down. He liked it that way.
As you stepped into the corridor, your breath caught in your throat. Every creak of the floorboards echoed in your chest. Every heartbeat was a knock against your ribs. You passed by the other girls’ doors—some slightly ajar, others shut tight. A few of them peeked out as you walked by, offering shy smiles or quiet nods. No teasing. No jealousy. Just something that almost looked like hope.
Then you saw him.
Tom stood in the entry hall, his hands clasped in front of him, gloved and nervous. He was dressed in that deep navy coat you loved—clean-shaven, hair carefully parted, looking every bit the gentleman he was born to be. But the second his eyes landed on you, all his practiced poise vanished.
“Darling,” he breathed.
You descended the last step slowly, heart stammering. “You… you didn’t have to do this.”
He stepped toward you without hesitation, voice warm and low. “I had to.”
“You could’ve waited,” you insisted, tears already stinging behind your eyes. “It was three more months. I—I would’ve waited. You didn’t have to spend such a heavy sum at once just to—”
“I have courted you, darling,” he said, softly but with fierce sincerity. “And I can’t wait any longer. I’ll do anything to have you.”
Your throat closed up. Just like that.
Your knees nearly buckled.
He opened his arms without a word, and you walked straight into them, burying your face in his chest as the tears finally fell. He held you like he’d been waiting his whole life to. One arm wrapped tightly around your waist, the other cradling your head, fingers weaving into your hair.
“I’m sorry,” you whispered, your voice cracking. “I didn’t believe you’d actually—”
“I know,” he murmured into your hair. “I know, my love.”
You sobbed into the wool of his coat, not because you were sad—but because for the first time in your life, someone had chosen you. Not just wanted you. Chosen you. Sacrificed for you. Fought for you.
And Tom—your Tom—stood solid as stone, gently rocking you in place like he had all the time in the world.
“I’ll take care of everything,” he said, kissing your temple. “You’ll never have to be afraid again.”
You nodded against him, clutching the back of his coat like a lifeline. Because maybe for the first time since you’d been sold by your own father into this place, you truly believed that.
-------------
Tom didn’t let go of you until you pulled back yourself—eyes red, cheeks damp, hands trembling as they rested on his chest. His warmth lingered as you turned around, only to find Madame standing quietly in the archway, hands folded and eyes shining.
You blinked in surprise, then… more eyes.
One by one, the doors creaked open behind her. The girls—your girls—stood there in their nightgowns and robes, hair messy, feet bare. May, Delilah, Ruth… even Marianne, the shyest of them all, stood near the stairs clutching a handkerchief. They’d heard everything. Of course they had. These walls weren’t thick enough to keep secrets.
You froze.
Then May crossed the floor first, tears brimming in her eyes. “You’re really leaving?”
You nodded slowly, lips trembling. “He paid it all.”
Ruth let out a soft gasp, then immediately burst into tears. “You lucky little whore,” she said, with a wobbly smile and open arms.
You laughed wetly and threw yourself into her hug, holding her as tightly as you could. One by one, the others came closer—hugging you, crying, whispering blessings into your ear.
“You were always too good for this place,” Marianne said, brushing your hair back like an older sister.
“You better write to us. I don’t care how proper you get, I expect letters,” Delilah added, sniffling hard.
“Don’t forget the rest of us just ‘cause your lord has a mansion and a bathtub big enough to swim in,” Ruth teased, voice thick with emotion.
You turned to Madame next. Her expression was calm, but her eyes betrayed it—glassy and warm, unusually soft. She stepped forward, cupped your face gently in both hands.
“You were the best thing this place ever saw,” she said, her voice velvet and final. “Now go. And don’t you dare come back unless it’s as a visitor. Wearing pearls and a gorgeous gown.”
You nodded again, swallowing hard. “Thank you. For everything.”
Then—just as you were about to take Tom’s hand and leave—May turned to him, arms crossed, eyes narrowed. “Lord Holland,” she said, voice sharp through her sniffles, “if you don’t take care of her—if you even think about breaking her heart—I swear on my best corset, I’ll find you and I’ll ruin your pretty face.”
Tom blinked, startled—but then he smiled. A genuine, gentle thing that made the whole room hush. “I will,” he promised, placing a hand over his heart. “I swear on my life, I will take care of her for the rest of my life.”
Silence.
Then May huffed. “Good. Now go before I change my mind and keep her.”
You laughed again—broken and joyful all at once—and finally let Tom lead you out the door. The girls followed, waving from the porch as the sun rose gently behind them, painting gold across their cheeks.
And as you stepped into the waiting carriage, your hand still tucked in Tom’s, you looked back one last time and smiled through your tears.
Because you were going home.
°:. *₊ ° . ° .• °:. *₊ ° . ° .•
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kivaember · 1 year ago
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you know what it's time for some freud
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"-scored passably on the simulations. Combined with their positive employee appraisal reports, I think that Castor Jones should be accepted as the Vesper's deputy assault pilot."
Freud eyed the projector screen doubtfully, his hands idly twisting the Rubix cube in his hands. It clck-clck-clck'd obnoxiously loud, but no one in the meeting - himself, Snail or their 'supervisor' (a high-ranking executive that did nothing but collect a paycheck) - complained about it, although he could see Snail's cheek had developed some kind of spastic twitch in the last five minutes.
"Castor Jones excelled over the majority, but he's not suitable as a deputy assault pilot," Snail drawled, somehow managing to hit the sweet spot of sounding respectful while also silently implying 'you fucking donkey'. "He floundered during the more fast-paced scenarios."
"He's the fourth son of one of the board directors," the nameless suit countered. Freud looked away from the projector screen, already knowing Snail was going to win the argument. "He's young and wants to spend a year or two in an official AC squad before settling in his role as department head of Schneider R&D. We can tolerate him for that long. In exchange, his father's promised to vouch for us when it comes to the budget reallocation this coming spring."
"In case you've forgotten, Arquebus leadership have declared their intent for a Rubicon expedition in the near future. I'm not willing to bring an untested, unblooded pilot into that mess when their death would mean my censure - and yours, as the one vouching for them."
One-hit KO. The nameless suit made an awkward, stammering noise, before conceding the point.
"Alright, that's a fair point... then we can discard the applicants with... inconvenient links, then."
Freud finished solving the cube by the time the suit finished discarding said applicants. He tossed the plastic toy onto the table, where it clattered loudly, skidding across the polished surface to stop near Snail's elbow. His second-in-command ignored it.
"We're left with three..." the suit sighed. "All of them are naturalised citizens. One from Mars, one from the Kuiper belt space colony, and one from... Ganymede. Sort of."
Snail started to talk, but Freud's interest was snagged. "Sort of?"
"Er." The suit jolted. Freud rarely spoke to him, after all. "Yes. Well. In truth, his backstory is a little inconsistent, but his naturalisation process was due to being sponsored by a high-ranking executive in Schneider. Unfortunately, we can't really question them on it, as that executive died a few months ago. A bad bout of food poisoning from ill-prepared pufferfish..."
Convenient, Freud thought. His gaze drifted to the projector screen when the suit obligingly brought up the applicant's profile.
A mugshot of a handsome young man was shown, with a face that was set neutrally, though Freud could see echoes of a frown wanting to settle on the hard line of his mouth. Yet the most remarkable thing in the photo were his eyes: they were an eerie and unnatural shade of vivid scarlet.
"His parents were Rubiconians," the suit said. "That's why his eyes are like that. Something about the trace Coral in their bodies... I don't really get the science behind it. He's not an Old Gen."
"Is he augmented?" Snail drawled. "We won't accept him if he's below Gen Seven."
"Gen Eight. His augmentation certificates passed muster, though they were likely done on the black market."
"Hm." Snail didn't seem bothered about this. "Then he has no corporate debt hanging over him, though he may be indebted to whoever did his augmentations..."
"No debts. His financial records show no out-going payments that flag as suspicious. It's likely he paid upfront to whoever did them."
"Freud?" Snail asked.
"He was the one who used the Nachtreiher frame in the simulations, wasn't he?" Freud remarked, skimming the rest of the information on the profile. Age and birthplace, he didn't care about - the simulation results, yes. He had watched a few, and the Nachtreiher pilot had stood out. The one called- "STEEL HAZE, right? He was decent."
"That's right. He's a tester AC pilot for Schneider, so used one of their frames for the application. He's currently part of the Lammergeier project..."
"You said before that his backstory was inconsistent," Snail interrupted. "What's the assessment on that?"
"It's possible he's an agent of some kind, but he hasn't exfiltrated any sensitive information from what we can tell," the suit said. "I ran it by O'Keeffe even, but he didn't find anything alarming. Says his family were involved in black market shenanigans in Tau Ceti, and that's what he's trying to conceal. Nothing too dangerous..."
No, that wasn't anything to be concerned about. A lot of people had links to Tau Ceti - in fact, majority of naturalised citizens outside of the solar system came from Tau Ceti. The black market planet held a very important place in the galactic ecosystem. So long as this applicant wasn't selling corporate secrets or information back to his mates on Tau Ceti, then he really did have nothing to worry about. Still, they'll let him think he was keeping that secret. People with things to hide tend to be less willing to put a toe out of line.
"I want to fight him," Freud decided.
Snail made a low, cut-off noise that all but oozed exasperation. "He's beneath you, Freud."
"If he's to be my deputy assault pilot, then I want an accurate measure of his skill," Freud argued. He pointed at the suit. "Arrange a time with him. I'll put him through his paces. If he passes muster, he's in."
"But- I mean- there're two others-"
"I don't care about them. I want-" he paused to glance at the name. "-Rusty? That's a dog's name, goddamn."
"Freud..." Snail looked like he was going to argue, but predictably he simply gave in. This was why Snail lasted as his second-in-command for so long: he was a quick learner in knowing when to stand his ground, and when to concede. "Fine. I suppose he is going to be your problem most of the time."
"What're you saying, Snail? He's going to be our problem."
"Erm." The suit coughed awkwardly. "I... well, I suppose I'll arrange a time later this week?"
"Yeah. Put it in my calendar and Snail will tell me," Freud said dismissively.
Snail's eyebrow twitched. "I'm not your secretary-"
"Yes you are."
The suit was looking increasingly uncomfortable as Snail pinned Freud down with a glare that threatened to flay the skin off his bones. Freud smiled prettily at him, mentally goading him: do it, come on, i know you want to punch me-
"...right. Meeting adjourned," Snail said, looking away from him, his cold, dismissive mask sliding into place. "We'll revisit this subject after Freud has finished mauling this hapless applicant to pieces."
Freud clicked his tongue but kept up the smile. His mood was buoyed. He was going to fight this mysterious applicant who had piloted that Nachtreiher like a dream... made sense if he was on the Lammergeier project... no armour on that Core... his evasion skills must be impressive. Well, Freud will find out.
"Right. Well, I'll send rejection notices to the ones we've decided were too inconvenient...?"
Freud stood up as Snail and the suit hashed out boring office bullshit, snatching up his cube and ambling out of the meeting room with a jaunty whistle.
Time to pester O'Keeffe about this 'Rusty'. That guy never stuck his neck out for anyone, so it'd be interesting to see what links he had with this random nobody from Ganymede...
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allthebrazilianpolitics · 5 months ago
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Fines for deforestation in the Brazilian Amazon are rarely paid, survey shows
Number of convictions increases, but challenges in effectively punishing crises persist, survey finds
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A study recently released by the Amazon Institute of Man and Environment (Imazon) reveals that only 5% of convictions for illegal deforestation in the Amazon result in compensation payments. Furthermore, the processes have not guaranteed that the fines collected are used for the restoration of the biome.
Upon reviewing 3,551 public interest civil actions (ACPs) filed by Federal Prosecution Service (MPF) between 2017 and 2020 due to illegal deforestation in the Amazon, Imazon found that the number of convictions has increased, but effectively punishing environmental crimes remains challenging.
According to the research, out of 640 judgments upheld after appeals and 55 consent decrees (TACs) established, which determined compensation of R$252 million, only 37, or 5%, had their compensation paid.
Imazon reported that the debts paid amount to R$652,300, covering three judgments and 34 agreements. Considering cases in the payment phase, with bank account freezes of the defendants or installment payments, the percentage increases to only 8%.
Continue reading.
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mylawyeradvise · 2 months ago
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India E-Commerce Payment Recovery: Proven Legal Solutions for US based Corporations to Recover Back their Struck Money from India in 2025
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How does the e-commerce market in India deal with the problem of payment recovery? Along with the massive increase in electronic commerce purchases, uncompleted transactions, refunds, and chargebacks have become standard problems. The reports suggest that the country’s digital transactions market will be $10 trillion by 2026, making efficient recovery mechanisms all the more necessary. The businesses are using artificial intelligence in fraud detection, automatic reminders, and legal frameworks to process the recovery of payments, thereby reducing the loss.
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auxpay · 2 years ago
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Automation and Customization: AuxDrive's Winning Formula for Auto Dealer Payment Collections
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In the fast-paced world of auto dealerships, where time is money, AuxDrive emerges as a beacon of efficiency and innovation, transforming the landscape of payment collections. Let's delve into how this cutting-edge platform's winning formula of automation and customization is reshaping the game.
Tailoring Solutions to Dealership Needs
A Tailored Approach for Diverse Dealerships
The automotive industry is diverse, with independent dealers, franchise networks, and everything in between. AuxDrive recognizes this diversity and adopts a tailored approach to address the specific needs of each dealership. Whether you're a single-location independent dealer or part of a larger network, AuxDrive's customization ensures that its solutions align seamlessly with your operational nuances.
The Power of Automation
Automation is at the heart of AuxDrive's strategy, aiming to simplify and streamline payment collections. In an industry where timing is critical, AuxDrive ensures that payments are processed seamlessly and promptly. Automated reminders, invoicing, and payment processing reduce the burden on dealership staff, allowing them to focus on what they do best—selling cars and providing exceptional service.
Enhancing Customer Experience
A Human Touch in the Digital Era
In an era where digital interactions often lack a personal touch, AuxDrive stands out by humanizing the customer experience. Its user-friendly interface allows customers to effortlessly make payments, view their payment history, and even interact with customer support. This not only fosters better customer relationships but also sets a new standard in an industry often criticized for its impersonal approach to payments.
Future-Ready Operations
As technology continues to evolve, AuxDrive ensures that auto dealerships are not just meeting the current demands but are prepared for the future. By embracing automation, customization, and a customer-centric approach, AuxDrive positions dealerships at the forefront of innovation. It's not just a payment processing platform; it's a transformative tool for dealerships seeking efficiency, customer satisfaction, and a competitive edge.
Conclusion: AuxDrive—Driving Efficiency, One Payment at a Time
In conclusion, AuxDrive is not just revolutionizing auto dealer payment collections; it's reshaping the entire narrative. Its winning formula, rooted in automation and customization, is propelling dealerships into a future where payments are seamless, customer interactions are meaningful, and operations are future-ready. Experience the difference—choose AuxDrive. Visit AuxDrive.net to learn more about how it can transform your auto dealership's payment collections.
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justsomeantifas · 2 years ago
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Hi. I saw your student debt post. A guy named Brian Manookian on Twitter is sharing the letter he sent to the company that held his debt to get out of it. I know you can do it with medical debt so you may wanna look into doing it for student debt. But basically you ask to see the papers transferring your debt between companies and if they messed up the chain of transfer somewhere you could be freed from it. Doesn't hurt to look into.
This is worth looking into if you have the time to do it. Drafting the letter only takes a half hour or so and it can be very brief.
The problem is that student loan companies *hold onto the debt.* It took 14 years for Navient to finally release my private student loan to a debt collector. They’ll hold on to federal loans for as long as they can because even if you continuously defer payment, or continuously default on payments, *they still make money.*
I’m not saying people shouldn’t dispute their debt once it goes to a collector. Like, everyone should legitimately do that because you WILL catch collectors. But here are some tips:
When a debt collector calls you, DO NOT give your name or any identifying information. Ask them repeatedly where they’re calling from and exactly what it’s regarding. They won’t tell you. Hang up. Answering the phone doesn’t count as contact, but giving your info DOES, which restarts the collection process. If a debt collector doesn’t collect or move against you legally for 7 years, the account becomes null and void.
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a-waischint · 2 months ago
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no account is balanced in an uncollected debt
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TRIGGER WARNING !!! R18 CONTENT
↻ SYSTEM LOADING...
user: velcezgrouge from: SCRIT department password: nothingcanresistthewrathofpain.
.. processing...
--- --- --- she was presumed dead.
a saint who fell from grace, a martyr reduced to decimal points in an unbalanced ledger. little did they know, saints don’t die—rebirth is the proper term. they reshape, sometimes as something holier, most of the times, something monstrous.
the monitor opened. white light slicing across her face, a digital halo flickering on the edge of collapse. her fingers aggressively typed on the keyboard, each keystroke an audible crucifixion. --- --- ---
C:\velcezgrouge\SINFL\query>the_final_ledger
SOONTOBEUPLOADED.EXE ↖ LOADING...
=SUM(A1: A∞) = ERROR
--- --- --- once the spreadsheet come to life—cells filled with quiet sins written in digits, an error occurred. it’s not balanced. there’s an outstanding debt.
after a heavy breathing moment, a soft chime appeared. the system pings: --- --- ---
C:\velcezgrouge\SINFL\MESSAGEBOX.HGC (1) new message from the auditor
the auditor (2:45 am): do you have the finalized ledger? you (2:45 am): almost. there’s still one uncollected balance. the auditor (2:47 am): the numbers should match, there’s nothing left to collect. you (2:48 am): you're forgetting one, the molest3r. the auditor (2:50 am): execute for final reconciliation.
--- --- --- the gears in her head tighten. the accounts cannot be closed, the book cannot be balanced while a life is still owed.
she remembered his bloated form, grinning before licking his lower lip. his hands wandered young girls and boys before. they asked for mercy, but he laughed before stealing their youth. his breath, rancid with power, moaning their names, imagining an orchestra playing in the background.
as she entered the code needed to kill the molest3r, an unhappy smile curve through her lips. she pressed "ENTER" and the screen glitched. the eye hiding inside the molest3r’s room laughed silently as it capture the sinner. his skin started pilling off, worms started crawling on his bones. he was still alive—suffering with muted screams.
right after the eyeballs pop out of his skull, the sinful saint, velcezgrouge, begin adjusting the formula in the spreadsheet. the cursor blinks in perfect stillness as she types:
“=IF (molest3r_debt>0, Retribution (), CLOSE_ACCOUNT)”
and then, she runs the script. the financial records flicker, a life was subtracted for this year’s debt to be collected. the final payment was made in full. --- --- ---
C:\velcezgrouge\SINFL\MESSAGEBOX.HGC (1) new message from the auditor
the auditor (3:03 am): confirmed, ledger is reconciled.
--- --- --- she leans back to her chair. the numbers gleam in perfect, silent symmetry. she logs out and closed the laptop.
the sinful saint has purged another life again.
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anxiousgaypanicking · 2 years ago
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Payment
DRLAMP (Janus x Remus x Logan x Virgil x Patton x Roman) Prompt: can you do one with Bottom Sub Patton x Everyone where he just likes to pay with sex Warnings: sex, double penetration, riding, handjobs, face fucking, degradation, tears, spit A request from my AO3
"Does everyone seriously have debts to collect from Patton?" Logan asks, as he squeezes through the wall of people gathered around Patton's door. According to Virgil, he'd been standing there the longest, but both Remus and Roman had insisted that their favors had accumulated the most amount of interest, so they should get first dibs.
Roman grumbles as he crosses his arms over his chest, but Janus merely sighs.
"He's been asking a lot of us for favors lately," Janus states, before his bottom lip juts out in a dramatic, mocking pout, mirroring Virgil's own grumpy face. "He assured us he'd pay us back, but hasn't owned up to his word."
"Patton, you can't just ignore us forever!" Remus shouts through the door, before punching it. Though his fist goes right through it, he makes no effort to try and push inside as he's swiftly stopped by Virgil with the simple warning of "give him time."
There's silence from the other side for a moment, before a sudden gasped "give- give me a minute!"
Both Roman and Virgil immediately flush at just how breathy Patton sounds, but Remus grins at his voice. Logan looks between everyone, before he backs up to allow space for Patton to eventually open the door.
It takes a few minutes, but eventually there's soft footsteps, and then the door's being opened.
Patton's only in his boxers, with pre clearly leaking through the fabric. His face is flushed and forehead drenched in sweat.
"I'm sorry," Patton quickly apologizes, panting slightly. "I never meant to make you all wait so long. But I wanted to make sure I was properly prepared before paying you guys." He gives an innocent smile that doesn't match his words in any regard, and instead only serves to make Roman and Virgil's blushes worsen.
Remus and Janus however are incredibly pleased. While Janus offers steady praise, Remus immediately gets right into complaining and degrading Patton for wanting an excuse to finger himself, and not even letting Remus watch!
The cacophony of noise has Logan tensing slightly, before he moves forward, being the first to reach Patton and grab his hips. He backs Patton back up into the room, and the others follow behind him.
"Thanks for prepping yourself," Logan murmurs, as the others quietly talk behind him, already sharing with each other what they're going to do to Patton in order to collect their dues. "You know your safeword."
Patton feels the back of his knees hit the bed, and happily falls back onto it, pulling Logan over him. "Always," he responds, just as softly, before pulling Logan in for a slow and intense kiss.
Unfortunately for the two of them, the moment doesn't last long, as no one else present in the room is very patient. Moments later, there's a rough hand on his shoulder yanking him away from Patton, everyone else clearly seeing that Remus is the cause of the interruption.
"You were here last!" Remus complains, as he slides between the two of them, forcing Logan to take a few steps back. "There's no way in hell you get the right to touch first!"
He sounds offended by the notion of Logan getting to Patton first, and shamelessly moves to straddle Patton's hips, pushing him further up the bed in the process. Teasingly, he rolls his hips down Patton's hard cock.
Logan goes to protest that none of them seemed to be willing to take initiative, but Virgil speaks first.
"Well, by that 'logic,' who says you get that right?" Virgil confronts, stomping his foot. "I was here before any of you!"
Roman's the next to interject. "I was the first person Patton came to with a favor; I've been waiting the longest to be compensated!"
Patton's left to watch as an argument sparks between all of them, still flustered and horny beneath Remus who's hips seem to roll on their own accord as he mocks and yells at everyone else. The combination of sounds only serve to stress and upset everyone further, making Patton grimace. He knows that if he doesn't do anything about this, it'll go on forever!
So, after a few seconds, he loudly clears his throat and announces "who said you guys have to take turns? You could all try doing it at once..."
He flushes at his own suggestion, but it's what would make the most sense. Besides, he didn't stretch himself open to only take one cock at a time!
They all look between each other, mostly stunned into silence, before Remus grins wide. Loudly, he exclaims "you fucking slut! You just wanted an excuse to have an orgy!" and then slides further up Patton's body, pressing down on Patton's hard cock before he sits atop Patton's chest instead.
Without hesitation, he's wiggling his pants down and pulling his cock out, letting it spring out and slap against Patton's face, who flushes and cringes at the pre already smearing over his cheeks.
Hands on his thighs have Patton suddenly gasping and attempting to crane his head to the side and look at who's touching him, surprised to see Virgil and Roman being so forward.
They bicker quietly, but each work on spreading a thigh apart, and then Virgil's fingers are sliding over Patton's hard cock and down to his slick hole, flushing when he sees the lube dripping out of him.
Janus sits himself on the bed, crossing his legs (as though trying to hide his own excitement) as he glides a finger over the slit of Patton's cock, teasing it nonchalantly. "I'm okay with this," he states, glancing at each of the others. They all murmur half-hearted agreements, as their touching continues.
Logan's the last to reach Patton's body, and he crawls onto the bed too, sitting across from Janus. There's hardly any places left for him to touch, so he doesn't, just watching for now.
Patton strains his neck in order to lean his head up, gently kissing the tip of Remus's cock, as though he's just as eager as they are to get things going. The real touching has hardly even begun, and Patton already feels so hot and flustered.
It's interesting to feel so many different hands on him; the different textures, sizes, temperatures, even, feel so unique and overwhelming on his skin. But, of course, with Remus included in this little rendezvous, there's no way Patton's truly ever going to be able to focus on their slow, sweet touches.
Before Patton even has time to process it, Remus is scooting the slightest bit forward, the tip of his cock jutting against Patton's lips. Remus's hand is wrapped tightly around the base of his cock, as he lightly smacks it against Patton's face, smearing his pre everywhere carelessly.
"Come on!" Remus urges, impatiently. "Weren't you the one that was so eager to get fucked by all of us at once? Hurry up and open that mouth of yours so I can get us started!"
Patton flushes, but obediently parts his lips, allowing Remus to shift forward and push his cock into Patton's mouth without any hesitation. The others can't help but watch Remus in surprise, shocked at how quickly he's grabbing the sides of Patton's face to prevent him from instinctively trying to pull away upon gagging.
Rolling his hips, Remus works to drive his cock as deep down Patton's throat as he can in this position, desperate to hear his sexy little gags. He doesn't bother to wait for the others, but after Remus's forward display, they're quick to get moving soon after.
Janus moves the fastest, realizing that if he doesn't he won't get a good piece of the action. Obviously, he takes what he wants, using Remus's actions as a distraction in order to slide off the edge of the bed, snatch Patton's abandoned bottle of lube, and maneuver himself between Roman and Virgil.
Virgil's the first person to notice the rapid change in position, mostly because Janus's hand is quick to shove Virgil's own away from Patton's cock.
"Hey!" Virgil shouts, causing everyone to turn to Janus, instead of focusing on Patton's pretty, stuffed face.
"That's totally unfair," Virgil complains, as Janus merely smirks and pulls his cocks out, smearing lube over the shafts. "You can't just push people out of the way! I was clearly here first!" He tries to move forward to block Patton's hole, rather childishly, but Janus merely moves Virgil's hand out of the way again and begins to push the tips of his cocks into Patton's slick hole, earning a loud cry followed by a harsh choking noise as Remus mutters "if you're still making noises, then clearly I'm not gagging you good enough."
Roman whines. "Janus! This isn't fair!"
"Oh, calm down." Janus rolls his eyes, not even sparing Roman a glance. "You're not on Virgil's side anyway. If I hadn't stepped between you two, you would waste precious time arguing about who got to go first. I'm simply preventing an otherwise inevitable altercation." Janus turns to smile and bat his eyes at Virgil, mockingly. "Besides, you're pathetically submissive anyway. If you got to fuck Patton, it'd be such a waste! You'd be much better off riding him."
Using his hand, he guides Virgil's own fingers to Patton's hard cock, making Virgil flush.
Behind him, Roman stomps his foot. "What about me?" he pesters, as though he's a child who can't make his own decisions.
"Patton has two hands," Logan points out, huffing. "I believe that's what we're unfortunately delegated to."
"Oh, look at how smart you are," Janus teases, pinching Logan's cheek and musing as Logan frowns, before pulling away in order to begin stripping his clothes off. It doesn't matter that he doesn't get the special treat of Patton's wet mouth or warm hole, he was happy to be receiving pleasure at all with how much Patton had been depriving them.
As Janus's hips fall flush against Patton's, Roman grumbles angrily, as he also moves to get onto the bed. Both he and Logan get their pants off at generally the same time, and then they're both reaching for Patton's hands.
"You better make up for neglecting me," Roman pouts, as he guides Patton's fingers to his shaft. Patton looks at him briefly, before he's gagged again, bringing tears to his eyes.
Logan wordlessly does the same, setting a hand against Patton's stomach and his other against the bed, keeping him steady and balanced as Patton instinctively squeezes his cock, making him utter a curse.
Between Patton's legs, Virgil struggles to get his jeans down as Janus lubes up Patton's cock for him, teasing it nice and slowly with precise movements, as Janus stays resting inside of Patton's hole. He's not moving, yet, but he will be soon.
"Hurry up, Virgil! We're all waiting!" Remus huffs, while still rutting his hips into Patton's mouth. He wasn't waiting on anyone; he just wants to complain. "I want to feel him moan around my cock as you and Janus use him."
Virgil scoffs as he moves to straddle Patton's hips, flushing as he faces Janus. Janus sets his hands on Virgil's waist, guiding him over Patton's cock and even holding it steady for him. Virgil avoids meeting his eyes.
"The only thing the rest of you had to do was stick your cock somewhere," Virgil bitterly mutters, and though the others hear him, they choose to stay silent.
Virgil sets a hand on Janus's shoulder for support as he begins to lower himself down, biting his lip as he sinks to the base of Patton's cock, groaning at the same time Patton moans, both of them feeding off each other's pleasure.
"There," Logan breathes, running his fingers absentmindedly up Patton's arm. "Now we're all settled, and you can finally work off all that debt."
Patton whimpers, and chokes again as Remus rolls his hips in response. He does listen obediently though, as his hands start moving over both Roman and Logan's cocks. Logan's silent, but Roman lets out a dramatic moan, making Patton shiver.
Seeing that Patton's good to start going, Janus slides his cocks out so there's nothing but the tips inside, before he's snapping his hips and shoving them deep into Patton's ass, grinning at the loud moan it earns. His thrusts jostle Patton, making Virgil curse and moan as he lifts his hips and drops them down, riding Patton's cock prettily. He holds his shirt up between his teeth, both to show off his pale, pudgy chest and to help muffle his noises. His nails dig into Janus's shoulder, which he uses to support himself as he pulls himself up, and then down again.
Each time Virgil comes down, Patton's hands tighten around Roman and Logan's cocks, while moaning around Remus's, who's the loudest in the room.
"Fuck yeah," Remus groans, snapping his hips into Patton's mouth, enjoying the messy gag he gets in response. Sweat is forming on Patton's forehead, rolling down his round face before falling onto the mattress below, mixing in with the drool and spit already leaking from Patton's mouth as well.
Janus lets Virgil use him to help balance, as he focuses on fucking into Patton properly. He doesn't bother going slow, instead just using Patton as though he's just a toy.
It's what he is, essentially. It's what they're all using him as. As payment.
Roman lets out a cute little moan, holding the back of his knuckles to his mouth to try and muffle his sounds as he fucks Patton's fist sloppily. His shirt is undone and open, exposing his tan and muscular chest, glistening with sweat as well. A glance at Logan reveals a similar sight. Though his shirt is still on, he's also pressing his hand to his mouth. His look is more concentration than straight pleasure, as though he's focusing primarily on keeping his noises repressed and his orgasm away.
After all, Patton was stroking their cocks sloppily, and the frequent tight squeezing was pleasureful torture. They were in less control than everyone else, and so they were fighting to drag this out as long as possible in hopes of not being the first to come.
Janus can't help a soft groan slipping past his lips as he thrusts deep into Patton, cocks rubbing against each other and Patton's slick inner walls. One of his hands rests on one of Patton's thighs, pushing it up and digging his fingers into it, with the other holding Virgil's hip to help further support him.
Thankfully, everyone else's noises are a lot louder than his, specifically Remus and Roman's. Though Roman tries to bite back his noises, he's quite sensitive, and thus his breathy moans are a bit dramatic, and his whines even more so.
And Remus doesn't care about being quiet, even though he's muffling Patton's own noises. He's moaning, humping against Patton's lips and shamelessly babbling about how he's going to pump his load down Patton's throat. Make him choke on it. Make him pay.
"Dumb slut," Remus grunts, as he keeps his hand planted on Patton's forehead, pressing his head into the mattress to keep his tear-covered cheeks still as he fucks hard into Patton's mouth. "Maybe if you actually paid your dues you'd get some nice one-on-one time. But no." He punctuates his words with a particularly hard thrust, earning another gag and Patton's hips to buck, fucking up into Virgil right as he sinks down, earning a shuddering cry.
"Maybe you wanted to wait, huh?" Remus then teases, grinning wide. Beads of sweat drip down his chin and against Patton's face. "Maybe you wanted all of us at once. What an attention whore!"
Remus then spits onto Patton's face, and Patton can't flinch as it hits right above his eyes, just instead squeezing his eyes shut before opening them drearily. He moans, but Logan huffs.
"Remus. Careful," Logan warns, right as Patton squeezes his cock hard, which draws a particularly loud moan from Logan's throat. Flustered, Logan tucks his face into his shoulder as Patton pumps his cock firmly, unaware of the pain he just inflicted, or how much Logan liked it.
Remus scoffs at Logan's words, but thumbs his glob of spit over Patton's eye and cheek, before groaning.
Since he got started sooner than everyone, it's no surprise he's getting close first, but it incites a sort of need in everyone else. Patton had been depriving them after all; why should they hold themselves back from their release?
Virgil and Patton both let out particularly loud moans in unison, as Janus's cocks thrust against Patton's prostate while Patton's cock is pushed against Virgil.
And while Janus keeps going, aiming for that spot over and over, Virgil sinks completely down on shaky thighs, voice trembling as he rolls his hips and lets out small moans at the little friction he's giving himself.
"Too much for you to handle?" Janus teases, and Virgil hisses at the comment, narrowing his eyes at Janus.
Janus hums in response, smiling innocently as he says a little louder "if only you could see him, Patton. He looks so pretty on your cock. I bet you wish it was your hands on his hips instead of mine. Pity." Janus sucks in a shaky breath, attempting to steady himself to avoid interrupting his words with a moan. "Maybe if you'd acted a little sooner, you could have gotten him all to yourself."
Patton whines, toes curling as he desperately tries to hold back his own orgasm. Virgil just feels so good around his cock, Janus feels so good inside of him; everyone surrounding him, watching him, getting off from or to him is so good.
Roman is the first to come.
He does so with a loud moan, thrusting his hips into Patton's grasp before spilling over his fingers. Roman humps through his orgasm, before he's pushing Patton's hand away with a whine, panting.
Logan, as if spurred on by Roman, comes seconds later. He muffles his cry with his hands, but makes just as much of a mess over Patton's hand, the sheets, and even the side of Patton's body.
Both he and Roman scoot away, giving the other three space and time to finish.
Remus fucks into Patton's mouth hard and fast, before he comes without warning down Patton's throat, making him choke. He splutters, but Remus's cock serves as a barricade, and so Patton's forced to swallow it all down, only getting to take a proper breath when Remus is satisfied and pulls away, rolling to Logan's side and snuggling up against him despite the mess between them. 
So, it's just Janus and Virgil, the two providing Patton intense pleasure, both of them quick and unyielding. Janus's thrusts are calculated and smooth, while Virgil's bouncing is desperate and sloppy. 
And with Patton's mouth unblocked, his noises spill freely. He's loud with his moans and cries, and with his hands no longer busy with Logan and Roman's cocks, they curl into the mattress instead. His nails dig down into the sheets, begging them to be nice to him. To let him come. 
"Don't stop," Patton gasps, teary-eyed. "Don't stop- please!" 
Neither Virgil or Janus plan on it. 
Virgil's nails tighten against Janus's shoulder, moaning. A few more bounces on Patton's cock and he's coming, making a mess of both himself and unfortunately Janus, with Virgil sinking down fully onto Patton's cock and groaning as he climaxes. He sits there for a few seconds, panting, before Roman reaches over to help Virgil up and off it, with Patton's cock leaking pre and slick with lube still, aching to be touched. 
Janus grants him the pleasure. 
Stroking quickly, Janus isn't surprised when Patton comes quickly with a loud cry, arching into Janus's touch and squeezing his eyes shut as pleasure and bliss wrecks his entire body, with Janus generously stroking him through his orgasm before finally letting his cock go. And Janus comes moments later. 
He holds tight to Patton's hips, shoving his cocks deep into Patton as he comes, filling Patton with his come before he's pulling out. He cringes at the sight of his own mess spilling out of Patton, but knows it'll be cleaned up in a matter of time.  
Soft panting and other breathy noises fill the room, before Patton's being pulled to the side and surrounded by all of them; he's squished in the center of an otherwise affectionate cuddle pile. He sighs and relaxes into them, knowing it'll only be a matter of time before he lets his debt accumulate once again. 
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darkmaga-returns · 5 months ago
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Tariffs and the Constitution
by Andrew P. Napolitano | Feb 6, 2025
The taxing power in the federal government resides in the Congress. The Constitution states that Congress has the power to “lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts” of the federal government. Indeed, in order to emphasize the location of this power in the Congress, the Constitution also requires that all legislation “for raising Revenue shall originate in the House of Representatives.”
So, if only Congress can impose taxes, how can the president impose tariffs?
Here is the backstory.
However one characterizes a tariff, since it consists of the compulsory payment of money to the federal government, it is a form of taxation. It is — to use James Madison’s language — a duty or an impost. The federal government survived on duties and imposts — some of which were imposed on the states — from the time of its creation in 1789 until the War Between the States. Even under Abraham Lincoln, when unconstitutional income taxes were imposed, they were done by legislation, not executive fiat.
Then came Franklin D. Roosevelt and a congressional ban on the exportation of armaments to be implemented at the president’s discretion. This sounds fairly benign, yet it fomented the supercharged presidency that we have today. When Congress banned the sale of American arms to foreign countries, it did so by giving FDR the power to decide what to ban and upon which countries to impose the ban. Then it did the unthinkable: It made a violation of the president’s fiats a federal crime.
I call this unthinkable because under the Constitution’s Due Process Clause jurisprudence, at the federal level only Congress can make behavior criminal.
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theorgantrail · 1 year ago
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"Evolution has treated us as a species and spared almost all of us by sharing the risk. The process of disease is a mandatory byproduct of biological success. It is insurance for our species."
a brief argument for universal healthcare.
Roger Strair, quoted above, invites us to think of ourselves not as individuals but as a collective, a species, whose can ensure the success of our communities, our nation, our species by sharing risk. He argues that "an ethical foundation for universal healthcare" starts in our very DNA. I agree.
As noted in a previous post, our current insurance system puts many people in the position of betting on their health when choosing a healthcare plan. Even then, many people delay or even forego medical care, or ration lifegiving medications, because they can't afford the 'cost share' amounts left after insurance. America is notorious for the medical expense GoFundMe's. What if we had a system that could replace crowdfunding, insurance premiums, and medical debt with a couple of basic taxes, simplify the billing and payment process for providers, and ensure that every person had free & equal access to the healthcare they needed? It's not too much to ask from our government - we have plenty of examples of other governments who have figured it out!
I would really like to see what the average American taxpayer pays for their healthcare under the private insurance system, and compare it to the amount in taxes that they'd contribute to fund a single payor solution. I had trouble finding the numbers I wanted, but I did find some potential funding options on Bernie Sanders' Senate page that came close to this idea. Either way, I know I'd personally rather pay my fair share of taxes to live in a country with universal healthcare than pay premiums for shitty insurance I can't even afford to use.
For more reading, I recommend this Point/Counterpoint section in Journal of Policy Analysis and Management, where arguments are made for and against the idea of Medicare For All. I find the supporting points far more compelling. Ultimately, I think there are solutions to any problems that opponents of this type of policy might present, such as cost to the government or impact on healthcare providers. We have given the marketplace a chance to compete for consumers, and we're not satisfied with what it offers us. It's time to try something new.
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lunarsilkscreen · 1 year ago
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Value of Money
"When demand on [currency] goes up, its value goes down." - shameless self quote
I've written at length about the axiom I'm claiming to have invented. Now; I wanna go into the chain of events that lead to this axiom.
Many will decry Bernie Sander's and the Democrats, and socialists, and liberal media for using [minimum wage increase] as a key position. This is because arguably; the price of the things that those living on minimum wage might buy will increase in value.
Like food stuffs; which doesn't increase in purchase rates when consumers have more money to spend. It increases in price when it costs more to produce. However; a lot of food {nearly half in America} goes to waste (it goes bad before use). Which suggests; that farmers overproduce expecting that most of their produce goes to waste.
This ensures that ingredients are really available when you or I go to purchase them. Prices on unprocessed raw ingredients and bulk foodstuffs remain fairly stagnant. Because most prices that Farmers have to pay are to their corporate overlords, like Monsanto, or their local credit Union. (And to a lesser extent property taxes on land zoned for agriculture)
What we are seeing now isn't a price hike on the low end raw ingredients; but on processed foods, sodas, alcohol, fish, meat and dairy.
Why is this?
Well; we must first ask: why are those working minimum wage jobs asking for wage increases at all?
This has to do with the total cost of living. Electric and water prices remain a concern for your average person; and since the entire world is digital now; electricity usage rates are at an all time high.
Then the fact that the housing market is at an all time high, and prices to rent, along with discerning landlords; means that the bottleneck is at these prices (housing) overall, and to a lesser extent; prices of food that pay money to individuals who work in the supply chain after it leaves the farm.
Brand new video games after all are still 15-60$. So it's not entertainment's fault. Tesla might've increased the cost of their newest car; but that's more likely because Tesla's sales overall have dropped.
The value of money drops when demand on it increases.
What causes higher demand on currency? One could say that it's greedy people being greedy. Asking for more money because they can and that's it. They want the latest iPhone and Tesla Truck! Every year! (As opposed to when you need to buy one and can afford new)
It's not that. It's Debt. When the bank comes knocking, then the Lendees (the ones who borrowed money) need to pay it back; and before you go off on college students who are still working minimum wage because jobs can't afford to hire them; remember--This is affecting corporations like Tesla, Apple, Google, and Disney
All of who have cut back spending, and are still having trouble meeting their obligations.
(But record profits!)
Profits include money made over money spent, but not necessarily money borrowed. Because money borrowed is an operating cost. With a monthly payment to repay the loan; record profits could be made, and the company still needs to worry about paying back that loan.
Which means they (the corporations) expect sales to continue decreasing.
The National Debt (the amount of money currently in circulation, including bonds and other obligations) is *not* the same as the cumulative debt in the nation (the total amount of debt held by individuals and company's and any-entity-else the banks have lent to) which is a far more important indicator.
The National Debt goes down as tax money is collected and returned to the federal government. But the cumulative debt only goes down as people make a profit, and pay theirs back. This includes workers at minimum wage (who need to afford homes and a vehicle to get to work on time, or a bus pass if they live near a bus station that also goes to their place of work.)
Web search about the ease (or difficulty) to get a loan right now returns results like this article from CNN that talks about the decrease of loans being given out. Loan rejections are up for people with low indicator of default (failure to make payments.)
The banks aren't giving money as freely because they also have met their limits. And so we have this [inflation] issue. Debts can't be paid, so people raise prices in order to pay their debts on time; rising prices mean less sales, less sales mean more defaults, and the cycle continues.
Which again suggests outright; demand on currency is high. Demand on goods? Very low. Luxury Goods? Even lower.
Will increasing minimum wage help? Will forgiving debts? Will we be able to escape this black hole? Find out on the next episode of; "Somehow the entire world is in debt to itself, and it can't pay itself back."
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