Hey guys! I’m trying to find financial assistance that is not a loan. I’m about 25k in debit and just got slapped with a 12k lawsuit on top of that 25k. I wouldn’t be here if I had another idea. I’m currently on a contract till September and I have no guarantee that I’ll be converted to full-time after my contract is up and I was unemployed for 7 months before that which is why I have so much debt to begin with. The reason it can’t be a lone is because I’m in the process of filing for bankruptcy thanks to the lawsuit. So if I take out a loan and file, it would be considered fraudulent. The lawsuit is set to start garnishing me in the next 60 days and I can’t afford all of the upfront fees for the bankruptcy out of pocket by then. I need a total of about 2,100.00 does any one have any ideas or avenues I can use? I’m local to Portland as well so anything local would be best.

Ever-shifting Short Seller Claims

The short sellers attacking RILY in 2023-2024 have been relentless (currently 57% of float sold short per FinViz), with an ever-shifting list of wild accusations.
It's sickening to watch them compile a never-ending list of baseless wild theories and claims to support their short positions, which are demonstrably false. But as each is proved false, they pivot to new claims, and/or change the goalposts.
The sheer volume of shifting claims makes it hard to track how despotic they are with their "platform," and how many falsehoods they've spun. Even for someone who watched it in real-time, for almost a year

Compiled & Debunked

Sunlight kills vampires. To that end, I've compiled a list of (i) claimants (ii) claims (iii) reality (iv) definitive source proving reality.

Why Did They Target RILY?

One of the most vocal short sellers, Nate Koppikar (who also introduced Marc Cohodes to the "opportunity") has a fund Orso Partners. Based on their SEC registration document, this is their investment thesis:
"The Account’s investment objectives are to achieve capital appreciation primarily by identifying and selling short marketable equity securities of underfollowed and complex companies with misleading or corrective disclosures through a research-intensive process. The Account employs a short-biased investment strategy with an emphasis on primarily small to mid-cap companies that are underfollowed and complex (i.e., companies with market capitalizations of less than $5 billion which the market does not yet have a wellformed bull and/or bear perspective)."
RILY fits their description. The icing on the cake was the relatively large market cap, and the relatively small float. Given extremely high insider ownership (32.9% of shares per the proxy), and limitations on when and how insiders can trade, the "free float" of the stock (i.e., the shares that regularly trade) is very small for the size of the company. Moreover, the setup would only get better - given insiders have consistently used their free cash to buy additional shares hand-over-fist (further reducing the float).
That meant, with relatively small amounts of capital, the short sellers could shove around the stock price. That ability to move price opens another profit avenue - taking large derivative positions (buying puts, and selling calls), and shoving the price (or allowing it to drift up) to profit all along the way. It looked so good, the stock has been the highest-shorted on the US indices for several months. Even after the release of the 10-K, shares remain "hard to borrow" with elevated borrow fees.

Debunked Claims

The claims made by vocal short sellers could fill a book. Most were outrageous and fanciful when they were proposed. Virtually all have objectively debunked. This isn't a comprehensive list, as their claims are too numerous and varied. But it paints an illuminating picture.
With a track record this poor, one would expect the short sellers to exit - rather than continuing to spin new narratives. Perhaps the continued attacks are their exit strategy to avoid bankruptcy... Well, #Bullish.
With the highest short interest of all US stocks (albeit likely decreased from the highs of ~76% of the float), I think this is more than ripe for a return to fair value - or well above, if a short squeeze occurs.
Note: this sub disallows image posts. There is a similar post in the RILYStock sub which contains virtually all source images for the claim in the comments (too many images to embed in the post). The source images are illuminating.
Note that the list below deliberately excludes three types of posts/claims from the short sellers:
A) Juvenile personal attacks and attempts to character assassinate and dox a long list of people (RILY CEO, RILY new hires, RILY clients, Marcum the auditor, Marcum's lead audit professional, any firm or individual publicly posting a bull thesis on RILY, etc.).
B) Those that make no objective claims, but simply exist as a product of malicious degeneracy (like pictures of roasted pigs in ovens labeled Bryant Riley the CEO, photoshopped pictures of the CEO in prison chains next to convicted felons, video of an obese woman barely able to walk being gored by a bull labeled Mrs. Riley the CEO's wife, etc.).
C) Those that are impossible for short sellers to know, and impossible to objectively verify (e.g., Marc Cohodes claiming a single RILY trader front runs the CEOs personal short trades in front of clients taking following the firm's bullish advice on those stocks, to guarantee profits).

Claimant	Claim	Reality
1) Wolfpack	Wolfpack “RILY will record investment losses of up to ~$700 million in 2023” FALSE 10-K	FALSE
2) Wolfpack	“new loan to CORZQ will work out just as badly as the last and end in default (again) before June 2023”	Repaid in fullFALSE , early, on 1/6/2024.
3) Wolfpack	“The coupon rate on RILY’s seven issues of baby bonds ranges from 5% to 6.75%, which we believe to be far too low to compensate investors for the existential risk that accompanies these securities.”	Full redemption FALSE of May 2024 came early. Far more than sufficient cash to cover debt payments.
4) Wolfpack	“According to our analysis, 4 of RILY’s largest 7 corporate borrowers with outstanding loan balances of $295.3 million are at a high risk of default, or in the case of CORZQ, is already in default.”	Core Scientific IncExela Technologies Arena Group Holdings FALSE a. . repaid early and in full ($111MM of the “risk”) b. repaid term loan in full ($55.8MM of the “risk”) c. debt retired in full ($99MM of the “risk”). Publicly disclosed in the most recent 10-K for each company (search for "Riley" in the filing)
5) Wolfpack	“RILY’s NAV is Far Below the $1.1 Billion Minimum NAV Requirement That Is Required for the Nomura Credit Agreement Putting RILY at Risk of Collapse in 2023”	is in full compliance FALSE RILY with the Nomura credit agreement. Moreover, reflecting the strength of the relationship, Nomura even granted a no-fee extension when the 10-K filing was delayed. Also see 10-K for current status.
6) Wolfpack	“Over $200 Million of the Goodwill and Intangible Assets on RILY’s Balance Sheet is Attributable to its Telecom Rollup, which is Centered on Dial-up and DSL Internet:” - criticizing them as dying businesses with no value	extremely valuableFALSE Segment is . From just 2020 to 2023, the communications segment has returned over $212.2MM in adjusted EBITDA.
7) Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate), Various	RILY committed fraud with loans and closing the FRG acquisition. "The fact $RILY closed the FRG deal while hiding the Kahn loan - an all PIK defaulted loan backed by $FRG shares - is a Hall of Fame worthy act of fraud. I thought after Enron/Sarbox we couldn't have something like this happen in US markets."	FALSE A law firm led an internal investigation, and an independent external investigation both found “The review confirmed what the Company previously disclosed: that the Company and its executives, including Bryant Riley, had no involvement with, or knowledge of, any of the alleged misconduct concerning Prophecy.” “The results of the independent investigation confirmed that the Company and its executives had no involvement with, or knowledge of, any of the alleged misconduct concerning Mr. Kahn or any of his affiliates. This independent investigation was conducted subsequent to the Company's February 22, 2024 disclosure of the internal review performed with the assistance of Sullivan & Cromwell LLP as outside counsel.” Also see 10-K
8) Marc Cohodes (AlderlaneEggs), ParrotCapital, Bill Abbate Jr. (JrAbbate), Various	The 10-K will never be filed. They can't produce audited financials.	Audited 10-K FALSE was filed. Delay was due to Audit committee fulfilling its responsibilities and proactively conducting investigations (internal and external).
9) Marc Cohodes (AlderLaneEggs) + Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate) + ParrotCapital	Sullivan and Cromwell knew about Massive Fraud, and did a "sham investigation"	Sullivan and Cromwell FALSE is one of the most respected law firms, in the US and worldwide. "Sullivan & Cromwell continues to lead all law firm advisers in announced and completed global deals in 2023, according to Bloomberg and LSEG. The Firm advised on global announced deals totaling more than $345 billion, representing a 12.1 percent market share, per Bloomberg, and on completed global deals totaling more than $431 billion, representing a 16.9 percent market share, per LSEG." They're not compromising themselves for a relatively small client.
10) Marc Cohodes (AlderLaneEggs), Nate Koppikar (TheFriendlyBear), Bill Abbate Jr. (JrAbbate), Parrot Capital	Marcum is enabling Massive Fraud	MarcumFALSE is a respected audit firm, and 13th largest by revenue. "Marcum LLP advanced into the Top 15 in the 2023 Vault Accounting list of top-ranked accounting firms. Marcum climbed six levels to the No. 13 ranking overall and earned a ranking of 14 in prestige. The Firm also won Top 20 rankings across all Practice Area, Quality of Life, and Diversity categories, including several new classifications added this year."
11) Marc Cohodes (AlderLaneEggs)	Nomura is enabling Massive Fraud	NomuraFALSE is a global financial services company, and the oldest brokerage firm in Japan. They operate in a highly regulated industry. They're not putting themselves on the line for a relatively small client.
12) Parrot Capital	"The list of $RILY enablers is massive: Marcum LLP, Sullivan and Cromwell, Seeking Alpha, Holbrook Holdings, $AX Axos Bank, Many, many more."	FALSE There's no global conspiracy whereby these companies - all respected law firms, auditors, banks, and media outlets - are collectively colluding to enable RILY to commit fraud. Requires only two brain cells and one functioning synapse to know there's no grand collusion cabal between these disparate companies.
13) Marc Cohodes (AlderLaneEggs), Jonathan Weil at WSJ	Franchise Group shares used to secure Kahn loan: "It is unclear whether Kahn pledged the same shares twice—to both Prophecy and B. Riley."	stated by the company UCC search FALSE As , Simple disproves this. UCC # 202302295747
14) Marc Cohodes (AlderLaneEggs)	“Bryant Riley is on the Road, telling people the ‘audit partner at Marcum left’ and that ‘I have made mistakes’ “	hit the 5yr SEC ruleFALSE Marcum audit partner was working on the audit the whole time; the original audit partner had , so he was never working on this year’s audit.
15) Marc Cohodes (AlderLaneEggs)	"So it turns out James La Rocca was Fired by MarcumLLP If nothing was wrong with prior $RILY Audits, why is he gone? This will be great in discovery of what exactly went on.	hit the 5yr SEC ruleFALSE Marcum audit partner was working on the audit the whole time; the original audit partner had , so he was never working on this year’s audit.
16) Koppikar (TheFriendlyBear)	“So Bryant Riley did disseminate MNPI back in March” in response to Cohodes claim that he told people the Marcum partner left	5 consecutive yearsFALSE Cohodes claimed Bryant Riley was telling people the Marcum auditor left. Koppikar called that disseminating MNPI. Cohodes statement was false (and thus Koppikar's derivate claim is also false). A different auditor worked on RILY, as Marcum follows the SEC rules; the lead auditor can only serve the client for . As such, Koppikar’s derivative claim of disseminating MNPI is false.
17) Koppikar (TheFriendlyBear)	“He appears to still not be familiar with the voting interest model of consolidation… why is a life science and tech partner signing an extremely complex investment company / broker dealer audit ???” i.e., auditor is unqualified	Marcum is a highly respected auditorFALSE The auditor is fully qualified. ; they don't hire unqualified people, or assign them to clients they're unqualified to audit. RILY is continuing to use Marcum as the 2024 auditor.
18) Marc Cohodes (AlderLaneEggs)	"Now that the $RILY dividend is going away, this omission is serious stuff"	reduced 24Q1FALSE The dividend did not go away. It was from $1.00/share to $0.50/share, to allow them to opportunistically allocate capital. 23Q4 and

There are too many source images for the claims above to embed in a reddit post, and this sub doesn't allow images in comments. Images can be seen on a version of this posted to a sub that discusses RILY in the comments (~55 images). All claims can be sourced on the various social media venues and websites utilized by the short sellers. Other sources include: https://wolfpackresearch.com/research/rily/ and here https://friendlybearresearch.com/wp-content/uploads/2023/12/RILY-Analyst-Day-Questions-12_11_13-Final.pdf and https://www.institutionalinvestor.com/article/2cpgaejc45gocvoqb1ngg/corner-office/how-b-riley-garnered-the-biggest-short-interest-of-2023 and https://www.wsj.com/finance/how-an-unremarkable-deal-became-a-big-threat-to-a-small-investment-bank-f819a169 . https://adviserinfo.sec.gov/firm/summary/304196 form ADV. This is not financial advice. All claim summarizations reflect my interpretation of the short seller claims, and should be verified against original sources, along with all counters.

How old does the debt has to be to be included in the bankruptcy? I have only spoken to an attorney and haven’t started to file yet.
Our refrigerator is going bad so if we buy a new one can it be included if we file later this year?

Delivering the commencement address to the graduating seniors at Morehouse College today, President Joe Biden addressed the nation. After thanking the mothers, fathers, grandmothers, grandfathers, and all the people who helped the graduates get to the chairs in front of the stage, Biden recalled Morehouse’s history. The school was founded in 1867 by civil rights leader Reverend William Jefferson White with the help of two other Baptist ministers, the Reverend Richard C. Coulter and the Reverend Edmund Turney, to educate formerly enslaved men. They believed “education would be the great equalizer from slavery to freedom,” Biden said, and they created an institution that would make the term “Morehouse man” continue to stand as a symbol of excellence 157 years later. Then Biden turned to a speech that centered on faith. Churches talk a lot about Jesus being buried on Friday and rising from the dead on Sunday, he said, “but we don’t talk enough about Saturday, when… his disciples felt all hope was lost. In our lives and the lives of the nation, we have those Saturdays—to bear witness the day before glory, seeing people’s pain and not looking away. But what work is done on Saturday to move pain to purpose? How can faith get a man, get a nation through what was to come?” It’s a truism that anything that happens before we are born is equidistant from our personal experience, mixing the recent past and the ancient past together in a similar vaguely imagined “before” time. Most of today’s college graduates were not born until about 2002 and likely did not pay a great deal of attention to politics until about five years ago. Biden took the opportunity to explain to them what it meant to live through the 1960s. He noted that he was the first in his family to graduate from college, paid for with loans. He fell in love, got a law degree, got married and took a job at a “fancy law firm.” But his world changed when an assassin murdered the Reverend Dr. Martin Luther King—a Morehouse man—and the segregated city of Wilmington, Delaware, erupted with fires, looting, fights, and occasional gunfire. For nine months, the National Guard patrolled the city in combat gear, “the longest stretch in any American city since the Civil War,” Biden recalled. “Dr. King’s legacy had a profound impact on me and my generation, whether you’re Black or white,” Biden explained. He left the law firm to become first a public defender and then a county councilman, “working to change our state’s politics to embrace the cause of civil rights.” The Democratic Party had historically championed white supremacy, but that alignment was in the process of changing as Democrats had swung behind civil rights and the 1965 Voting Rights Act. Biden and his cohort hoped to turn the Delaware Democratic Party toward the new focus on civil rights, he said. In 1972, Biden ran for the Senate and won…barely, in a state Republican president Richard Nixon won with 60% of the vote. Biden recalled how, newly elected and hiring staff in Washington, D.C., he got the call telling him that his wife and daughter had been killed in a car accident and that his two sons were gravely injured. The pain of that day hit again 43 years later, he said, when his son Beau died of cancer after living for a year next to a burn pit in Iraq. And he talked of meeting First Lady Jill Biden, “who healed the family in all the broken places. Our family became my redemption,” he said. His focus on family and community offered a strong contrast to the Republican emphasis on individualism. “On this walk of life...you come to understand that we don’t know where or what fate will bring you or when,” Biden said. “But we also know we don’t walk alone. When you’ve been a beneficiary of the compassion of your family, your friends, even strangers, you know how much the compassion matters,” he said. “I’ve learned there is no easy optimism, but by faith—by faith, we can find redemption.” For the graduates, Biden noted, four years ago “felt like one of those Saturdays. The pandemic robbed you of so much. Some of you lost loved ones—mothers, fathers, brothers, sisters, who…aren’t able to be here to celebrate with you today…. You missed your high school graduation. You started college just as George Floyd was murdered and there was a reckoning on race. “It’s natural to wonder if democracy you hear about actually works for you. “What is democracy if Black men are being killed in the street? “What is democracy if a trail of broken promises still leave[s]…Black communities behind? “What is democracy if you have to be 10 times better than anyone else to get a fair shot? “And most of all, what does it mean, as we’ve heard before, to be a Black man who loves his country even if it doesn’t love him back in equal measure?” The crowd applauded. Biden explained that across the Oval Office from his seat behind the Resolute Desk are busts of Dr. King and Senator Robert Kennedy, challenging Biden: “Are we living up to what we say we are as a nation, to end racism and poverty, to deliver jobs and justice, to restore our leadership in the world?” He wears a rosary on his wrist made of Beau’s rosary as a reminder that faith asks us “to hold on to hope, to move heaven and earth to make better days.” “[T]hat’s my commitment to you,” he said. “[T]o show you democracy, democracy, democracy is still the way.” Biden pledged to “call out the poison of white supremacy” and noted that he “stood up…with George Floyd’s family to help create a country where you don’t need to have that talk with your son or grandson as they get pulled over.” The administration is investing in Black communities and reconnecting neighborhoods cut apart by highways decades ago. It has reduced Black child poverty to the lowest rate in history. It is removing lead pipes across the nation to provide clean drinking water to everyone, and investing in high-speed internet to bring all households into the modern era. The administration is creating opportunities, Biden said, bringing “good-paying jobs…; capital to start small businesses and loans to buy homes; health insurance, [prescription] drugs, housing that’s more affordable and accessible.” Biden reminded the audience that he had joined workers on a picket line. To applause, he noted that when the Supreme Court blocked his attempt to relieve student debt, he found two other ways to do it. He noted the administration’s historic investment in historically black colleges and universities. “We’re opening doors so you can walk into a life of generational wealth, to be providers and leaders for your families and communities. Today, record numbers of Black Americans have jobs, health insurance, and more [wealth] than ever.” Then Biden directly addressed the student protests over the Israeli government’s strikes on Gaza. At Morehouse today, one graduate stood with his back to Biden and his fist raised during the president’s speech, and the class valedictorian, DeAngelo Jeremiah Fletcher, who spoke before the president, wore a picture of a Palestinian flag on his mortarboard and called for an immediate and permanent ceasefire in Gaza, at which Biden applauded. “In a democracy, we debate and dissent about America’s role in the world,” Biden said. “I want to say this very clearly. I support peaceful, nonviolent protest. Your voices should be heard, and I promise you I hear them.” “What’s happening in Gaza…is heartbreaking,” he said, with “[i]nnocent Palestinians caught in the middle” of a fight between Hamas and Israel. He reminded them that he has called “for an immediate ceasefire…to stop the fighting [and] bring the hostages home.” His administration has been working for a deal, as well as to get more aid into Gaza and to rebuild it. Crucially, he added, there is more at stake than “just one ceasefire.” He wants “to build a lasting, durable peace. Because the question is…: What after? What after Hamas? What happens then? What happens in Gaza? What rights do the Palestinian people have?” To applause, he said, “I’m working to make sure we finally get a two-state solution—the only solution—for two people to live in peace, security, and dignity.” “This is one of the hardest, most complicated problems in the world,” he said. “I know it angered and frustrates many of you, including my family. But most of all, I know it breaks your heart. It breaks mine as well. Leadership is about fighting through the most intractable problems. It’s about challenging anger, frustration, and heartbreak to find a solution. It’s about doing what you believe is right, even when it’s hard and lonely. You’re all future leaders, every one of you graduating today…. You’ll face complicated, tough moments. In these moments, you’ll listen to others, but you’ll have to decide, guided by knowledge, conviction, principle, and your own moral compass.” Turning back to the United States, Biden urged the graduates to examine “what happens to you and your family when old ghosts in new garments seize power, extremists come for the freedoms you thought belonged to you and everyone.” He noted attacks on equality in America, and that extremist forces were peddling “a fiction, a caricature [of] what being a man is about—tough talk, abusing power, bigotry. Their idea of being a man is toxic.” “But that’s not you,” he continued. “It’s not us. You all know and demonstrate what it really means to be a man. Being a man is about the strength of respect and dignity. It’s about showing up because it’s too late if you have to ask. It’s about giving hate no safe harbor and leaving no one behind and defending freedoms. It’s about standing up to the abuse of power, whether physical, economic, or psychological.” To applause, he added: “It’s about knowing faith without works is dead.” “The strength and wisdom of faith endures,” Biden said. “And I hope—my hope for you is—my challenge to you is that you still keep the faith so long as you can.” “Together, we’re capable of building a democracy worthy of our dreams…a bigger, brighter future that proves the American Dream is big enough for everyone to succeed.” “Class of 2024, four years ago, it felt probably like Saturday,” Biden concluded. “Four years later, you made it to Sunday, to commencement, to the beginning. And with faith and determination, you can push the sun above the horizon once more….” “God bless you all,” he said. “We’re expecting a lot from you.” — Notes: https://www.whitehouse.gov/briefing-room/speeches-remarks/2024/05/19/remarks-by-president-biden-at-the-morehouse-college-class-of-2024-commencement-address-atlanta-ga/https://www.inquirer.com/news/a/wilmington-del-riots-occupation-martin-luther-king-jr-national-guard-20181207.htmlhttps://www.reuters.com/world/us/morehouse-graduation-thanks-god-woke-class-2024-2024-05-19/

https://heathercoxrichardson.substack.com/p/may-19-2024

So I work for the goverment as and attorney and I've had my current job since 2021 when I finished law school.
I took this job knowing that it was on the lower end in terms of salary for new lawyers, but it was good experience in a field that was interesting, so I figured why not.
Still the salary was very low. It's literally googleable if you knew my exact position and state, so I don't mind sharing that they started me at about $65k. I got anther $5k raise when I passed the bar, and then a $2k raise my second year so I was at $72k.
For reference, in my city, most new attorneys in medium sized firms start around $100k to $140k, and at the really big private firms they pay $140k to $170k. I'm in a big goverment firm so I expected to make less but $72k is definitely even less than I was expecting.
Still, this might not seem that bad, but my city is big and exspensive, so tbh $72k doesn't go very far. I pretty much live pay check to pay check, with taxes, rent, school bills, my car bills, and food eating my whole check.
In fact I have $3k in credit card debt and I haven't been able to make any sort of dent paying it down because i run out of money before my next pay day usually and live off my credit card for a few days.
Anyway my office calls a big meeting this morning and I honestly thought I was in trouble, but they explained that based on some contract the city had for city employees, idk a bunch of legal mumbo jumbo tbh, tldr we were apparently being under paid.
It was determined that we were actually supposed to have been paid $90k per year this whole time, so they said that would be our new salary and we would also get retroactively paid at that rate for the time we'd already worked.
Then they individually told us what size check we would get based on when we started and for me the retroactively amount came to $12k.
So my salary jumped $18k per year. Meaning my next pay check will be like $300-$500 more plus the additional $12k.
I was honestly considering finding a new jobbbecause I was just running a deficit with no clear way to fix my finances, but now I can pay off all my debt, put a bunch in savings and the raise should keep me from drowning moving forward.
All in all is been a good day!

Bitcoin is volatile.
However, it is violently falling upwards over the years if you zoom out. Investing is a long term game, not a get rich quick scheme. Being volatile in the short term while gaining high value over a few years sounds like a good play for a long term investor.
Bitcoin is not backed by anything
Bitcoin is a public ledger. That's it. It's just a list of transactions. Why would that need to be backed by anything? That's all the information you need to know who has what. It is an unhackable public ledger. It is its own unit of account.
Bitcoin is scarce.
21 Million BTC. Forever.
My parents-in-law all argued with me about inflation a few years ago, saying my fears weren't grounded after pointing out the massive money printing and growing debt the nation was in. They said inflation wasn't going to happen. They scoffed and laughed in my face.
This trend isn't slowing down, it is accelerating. We can't even pay the interest anymore.
Bitcoin is decentralized
Anyone with an internet connection can use it. You are not taxed for moving your bitcoin over international borders. You can bring more than $10,000 of your bitcoin with you on a plane. Your bank will never be closed. Your money is not loaned out to others.
The dollar is a scam
Its literally just made up on bank computers. You work for it, they just make it for free.
Inflation has doubled prices, and robbed everybody of half their lives. Half the time they have worked has been robbed from them. Everything they have ever saved has been halved. Fell through their fingers like sand. Evaporated. Because someone else needed money, and that someone had the means to create it out of thin air.
The economy is a single pie, and you get paid by the slice.

I dont speak to my kids. One of them even disowned the whole family name legally.
As soon as we divorced you had your other kids dad up in there swiftly and got rid of the last name quickly too.. . He was abusive yet you protected him, kept my non abusive ass at bay with the law, and then made an attempt to COMPLETELY TAKE THE KIDS FROM ME AND KEEP THEM INTEGRATED IN YOUR TOXIC ABUSIVE SITUATION....While ridding them of me because of my toxic ways. It failed because I researched and document enough of your rachet behaviors to keep them in my life. But for some stupid reason I always took your fake well wishes, and word soup at face value. But you were never supportive at all. You just showboated it. Even letting me use the car as when I was working on shit for you...and as soon as someTHING else came along you desired, and feared I might hinder by being a part OF THEIR LIVES you forced me out of their lives... OVER TOTAL FABRICATED LIES, refused to tell me what was my charges against me, and kept me stonewalled for over three years over the lies, AND ALLOWED THE KIDS TO THINK I ABANDONED THEM THE WHOLE TIME we were no contact.
I almost died over that shit. That literally almost killed me. And you dont GAF. Your kids relationship with their father...WAS DEEMED DISPOSABLE BY YOU. It came in last behind your trips, vacays, abusers, feinds that were "part of your friend family", even your style of "open parenting" (aka let them raise themselves while i party, and tour the ether with toxic bunny besties, blasting away the liquid allowances of men with one foot in the grave that had desires of not being lonely and were willing to sponsor "fun lifestyles") (although you did keep them well clothed, well fed, and gave them a great work ethic) was deemed. You decided that their boyfriends moving in with them at your house while they were young teens while you "did your thang girl" retreating, resorting, concerting, and discovering...WAS MORE OF THE SOLID THING TO DO THAN LET THIER DAD COME IN AND PARTAKE IN SOME OF THAT "RAISING".
Am I saying I could have done it better? No. NOT AT ALL.
Im saying you could have been more understanding and more including, and more accepting. You crucified me for the same shit you allowed...REGUARLY CONSISTENTLY FOR YEARS IN THE KIDS LIVES AND PROXIMITY.
Once again Im not saying I could have done it better...but I always trusted you..and figured you would include me with honest intentions. But it was always lip service to have plausible deniability that you held ill will when you came time to discard.
FOR FUCKS SAKE THE FIRST TIME YOU TRIED TO TAKE THE KIDS FROM ME TOTALLY, AND LAYED ALL THE DAMNING EVIDENCE IN FRONT OF YOU WITH "MY OWN HAND WRITTEN CUSTODY AGREEMENT" AND YOU WALKED IN THAT COURT ROOM BARELY EVEN KNOWING WHAT WAS IN THAT LONG AGREEMENT. AND YOU TOLD THE JUDGE "WEVE DECIDED TO COME UP WITH OUR OWN AGREEMENT, AND HAVE IT NOTARIZED" WHEN 30 MINS PRIOR YOU THOUGHT YOU HAD THE KIDS OUT OF MY LIFE "IN THE BAG"
wHAT DID MY AGREEMENT SAY?
i COULD HAVE DESTROYED YOU AND MADE IT TAKE MONTHS OR YEARS TO PROVE YOURSELF FIT..BUT I CHOSE A 50/50 EVERYTHING BECAUSE THATS HOW PPL ARE SUPPOSED TO BE. EVEN IF ONES DOWN AND ONES UP. CO PARTENTS AT LEAST
And you always claimed "the high ground" while doing THIS SHIT. You were all deception and projection...What am I guilty of?.FINANCIAL IMPOTENCY AT THE WORST..Neglect in our together years...and after that lady..you were a liar through and through. Years of fakery. Every kinds word ended up with you trashing me with the refuse. And you always blamed me...Even knowing you were chasing selfish motives and had the discard already set up.
You did me the favor of forgiving a massive amount of child support. Im grateful..but honestly id do time over the forgiving of debt to be with my kids as real family dad and kids...not with "you" I dont even research your life or inquire about it to others. I no longer care. but Id do years to be able to communicate with them, and having a real shot at them knowing me without your long term influence. Id trade just about anything but my soul for a shOT at their open hearts and open minds about me without your "love and care" influencing how they see me.
I have been told by several of your once friends, now ops..that my youngest might not even be mine. But I havent a clue if theres any truth to it, although it makes sense and little dick S ties into that perfectly.
Ive lost you all, youve helped that. I used to long for a you I coulkd trust. Not a you romantically but a you I could love as family and work with in life. I believed in a true you and was in love with you, making you a gold standard of what a good woman is for damn near two decades after we split...through all your lies, deception, projection, discarding, and cutting down...WHILE YOU INFLUENCED THE KIDS THAT I WAS SHIT.
THEY DONT KNOW HALF OF THE MALICOUS TRUTH ABOUT "ME NOT BEING THERE"
YOUR HALF...A BIG HALF
I keep saying I forgive and hold no ill will. but i am deeply firey inferno type angry. I want to take my aquarius air sign capabilities...and stoke and bellow fires to carbonized you landscapes earth sign. I want to blow waters upon your scorched earth and turn it to dark brown mud. I want to starve your barren mud pits of oxygen so green grass or plant of life wont inhabit it. And in the sorrows that come with stripping you down with my furious wrath of air..at your darkest..I want to send tornadoes, hurricanes, dust storms, and ravaging wind storms to keep you uncomfortable and in chaos...not even allowed to enjoy the "calm and peace in the depression of the mudscape"
But my fury will stay composed. you arent worth the exertion of my energy anymore. because you are not a person i know...and you are not someone who i have known since our divorce, and you havent allowed me to know the real you, or tried to know the real me.
I speak to the void, and leave you be..
but if these winds start to blow into a tempest they would rip apart all of your beauty..and decimate EVERYTHING YOU APPRECIATE, LOVE, OR WANT TO KEEP WITH YOU INTO PIECES...
the wind has nothing to lose..you cant take away from it..you cant add to it...you can just influence it and pressure it in your earthen vessels. It can starve fire of O2, Starve your green growths and florals of life, steer and stoke flames to carbonize your whole surface level facade, it can catalyze and thunderstorms, tornadoes, and hurricanes to pelt your surface...and wash you down to tho the levels of molecular sediment in the seas... and what you take from air displaces and when it comes back around..it is still air..whole and intact..even if its polluted...blowing in anger fires, floods, and storms upon you...driving frozen seas ashore on your beaches puncturing your picturesque places of dreams with daggers by the millions, slowly forcing the way inward...multiplying in number
So let me say since my kid changed the name legally, you changed yours too, and the other may or may not be mine but hates and has disowned me anyway...that if there are past lives, next lives, soul bonds or eternal connections...they end here and now. like YOU wanted, but used your motherly influence over time spanning times to make them feel that its exactly what they wanted too.
the complete opposite of what i want, or have ever wanted.
.'.'.'.'.'.'.'.'.'.'.'.'.''.'

UNLESS there is some major major changes that happen on this 3d plain FROM YOU, AND YOUR BULLSHIT, ACCOUNTABILITY AND TOXICITY, COMMUNICATION, COMPASSION AND REMORSE....

Then spiritually , In front of The Lord as I believe. I release any and all connections to you. Asking that it ends here and my knowledge of you, and ties to you be broken... in heaven, in earth, and any and all realms and plains of existence, embodiment, life, and after life.
And I write this should I suddenly meet my demise and we never "got equal in spirit" on this plain...so it can be effective if God is willing at the point of my ending.
count your blessing because if was set off in untamable rage... everying on you, around you, that you shelter, that you desire, that you hold dear, that you value, that you enjoy, that you trust, rthat you associate with...,and that makes you... you gets decimated...and you get decimated...and all this destruction becomes an integrated part of my decimation of my own self...my rage...with nothing to lose....everyone and everything would see loss and suffering.
Glad this wind is mature enough to hurt and still be kind and compassion to ppl and frogiving of the human ways of selfishness....i cant waste another breath...im good ppl. and you hurt me IN THE DARKEST WAYS...
but i want to help ppl grow...and benefit ppl...
not hurt them...
thats what makes me stronger than you too

Okay so prior to 7/18/2013 my relative and I had the same name. After 7/18/13 her name became hyphenated. My relative owes a debt collector a law firm took over the account they already filed a judgement and levi went out except it didn't go out on her account it went on mine. The bank took my paycheck. I explained to all these people but also the court officer and bank. No one has rectified the situation completely the bank returned the $125 charge they took for processing the levi but my $597.20 is still being held in some account other then mine. I explained you have the wrong party and the only reason you had my address is because my relative lived with me briefly in 2021 when she was a victim of a hit and run accident crossing the street she almost died but I helped her as best I could and got her into senior housing 10 months later.She has not used my address since. The debt is under her social not mine they updated the writ levi with her current address but didn't change the name. I had paid this debt on my relatives behalf using my credit card only because they threatened to auction her car and other goods. I would like to sue the court officer, my bank, and other party for emotional distress, lose wages, and wrongful identity? I'm probably missing other things but I think I should be able to. Not only is this costing me a ton of money I didn't expect to lose it's very stressful and put a strain on our relationship my relatives and I. One party sent a letter to my relative saying the judgement was satisfied today I took those letters and mailed them to the court with the filing fee and writs. The court officer won't return any calls. The bank says they won't release anything until the court responds. Do I have to sue the court too? I feel like I need some help I have proof of all these things. I just don't wanna go at it alone. Any advice?

I had surgery for endometriosis in July ‘19 that ended up being like $15,000/$16,000. My insurance was through my job at that time, my insurance covered around $10,000 of it & left me to pay almost $6,000. I was around 21 at the time & honestly don’t ever remember knowing that I owed it the remaining let alone being able to pay that anyways time goes on I am now 27 & I guess the hospital sold my debt to a debt collector agency & they decided to sue me for that debt last yr May & the judge ruled in their judgment. They just sent me another summons for court to pay them & put a levy on my bank account. I can’t afford to pay almost $6,000 let alone pay my own bills that I also can barely afford. Would anyone know how I can avoid paying this & get my bank account back? I really don’t want to do bankruptcy because I wouldn’t be able to pay for a lawyer for that as well & my credit has just been majorly fucked already. Any help would be greatly appreciated thank you

Hello, this question is made up of a few questions, so some background to begin with. I'm apart of the local community page for my town fairly frequently I'll see someone sharing a profile of someone who's scammed them or caused damage or something along those lines. This sharing a profile will typically just been a screen shot of said profile. I see a lot of the time comments stating it's illegal to share public photos in a public forum, this isn't a harrassment page, it's just the public community page.
I today recently got scammed by the old "sent payment scam" for a mobile phone of mine, while it was £50 I made more of a "warning" post as opposed of "please get in touch" post, just so others wouldn't fall for the same trick, I'm honestly not too bothered about the £50. This facebook profile had a a parent holding their fully clothed minor as their public Facebook banner. Not really thinking I just shared a full screenshot of the profile. Understandably I was bombarded with comments damanding I remove the image of the minor, as I completely understand that it could be frustrating seeing your child just elsewhere online not posted by you.
I have since recieved a message from a "law firm" (it's clearly a new profile created with images of a local law firm) stating that sharing images of minors is illegal and that they'd like to contact me.
So my questions are:

1. Is it actually illegal to share already public photos in a public forum not intended for harrassment ?
2. More specifically is it illegal to share images of clothed minors if they are just coincidently also in the images ?
3. What would be the punishment for sharing said images be if it is illegal ?

If possible, if you could link me to the .gov or a legal site explaining this to me, I'll happily accept yes or no answered with a link for me to research more myself. Understandably whenever I Googled "sharing public images of minors" or "sharing images of people from social media" I get results that might warrant a knock on my door this week.
EDIT: I didn't pick the Debt and Money tag / flair it just added it and now I don't know how to remove it, apologies.

Written after the Gaza Conflict of 2014
The U.N. wants the world to believe that Israel is leading the globe in human rights violations, partly as a result of the shameless propaganda war perpetrated by Hamas during and since the war in the Gaza Strip last summer. The war was precipitated by numerous Hamas and Palestinian terrorist attacks on Israeli civilians, the last straw being the bloody massacre of an entire Israeli family, including their newborn baby.
Only the uninformed could pass judgement on Israel for the unavoidable collateral damage on civilians for which any warring state must be invariably guilty. The United States is no stranger to civilian collateral damage. We routinely kill civilians as a result of our drone executions which take place near daily all over the Middle East. How does the U.S. handle the repercussions of killing civilians in order to execute high-value targets? We pay them cash money. In the Mideast, it's referred to as "blood money", and in Islam, paying that debt brings balance to the scales of justice.
In 2014 alone, Obama authorized 357 air strikes in Pakistan. These figures are noninclusive of the multitudes of drone strikes which are a fact of life for citizens in several Mideast countries; including, Yemen, Syria, and Iraq, among others. The 2014 official Pakistani deaths by drone reported was between 2,410 - 3,902; 416-959 civilians; 168-204 children; 1,133 - 1,706 injured.
During the 2014 Gaza Strip conflict, an estimated 2,200 casualties were reported, many of them civilians that were used as human shields by their own leaders. The fact is, collateral damage is not a war crime, but a harsh reality that must be accepted in a world in which conflict and war is a part of human nature.
Unfortunately for Israel, her enemies have demonstrated for years their willingness to sacrifice their own civilians in exchange for uninformed global pity and empathy that will one day lead to global indignation against Israel. That strategy has had limited success until recent years; coinciding with the Obama presidency and global anti-Semitism, the likes of which haven't been seen since the holocaust.
How much do relatives get, you ask? I've heard of examples for common citizens in Iraq ranging from $10-30,000 dollars (a fortune to most Iraqi citizens). Army Staff Sergeant Robert Bales went on a killing rampage against civilians in Afghanistan two years ago, resulting in the deaths of 17 women, infants, and small children. Afghan provincial council members reports the United States has paid the victims' families a total of $860,000 -- $10,000 for each of the six wounded survivors, and $50,000 apiece for the 16 dead. That's chump change compared to the $2.3 million "diyya" paid by the United States for the release of Raymond Davis, who was held for the killing of two Pakistani citizens; a third innocent pedestrian killed by the reaction team who drove erratically to extract him.
Israel is well aware that any time they're forced to use military force in response to the routine terrorism to which they've been exposed since 1948, collateral damage is inevitable. Hamas' war doctrine has been developed not from a viewpoint of military victory, as they are insanely outgunned and outsmarted by their mortal enemies. Hamas purposely antagonizes Israel and provokes Israel to engaging in violence to quell the unrest Hamas leaders perpetrate. Hamas then stages their military assets, soldiers, and weapons within the Palestinian civilian populous, using them as human shields.
When Hamas launches a missile or rocket into Israeli territory, counter-batteries automatically triangulate the munitions' trajectory and azimuth; counter-battery artillery is set to automatically return fire to the calculated enemy position. It is a known fact that Hamas uses schools, homes, markets, and other heavily populated areas in order to carry out their attacks, knowing full well the result will be the deaths of their own people. Hamas considers the victims of this barbaric system "martyrs", and the religiously brainwashed followers only see Israel as the culprit.
It used to be a widely known fact that the propaganda videos showing Israeli collateral damage broadcast to the world were calculated acts for which only Hamas was responsible. Not so much in 2015, where people now live in the fantasy that meeting violence with violence is Neolithic and unevolved. The worldview on Israel would be substantially different if those passing judgement lived a day in the shoes of an Israeli citizen, in constant fear of terrorist attacks.
Israel was denounced as the chief human rights violator above Syria, where Assad has launched Sarin gas attacks on civilians; North Korea, who houses untold numbers of political prisoners, most of them innocent; including three successive generations of their offspring who spend entire lives in concentration camps; and, Iran, a state where women's lives have actually been given a set value -- half the worth of a man's (Article 33 and 99 of the Law of Retribution: Hodoud and Ghesas, Section 2 of Article 237). Where the weight of her testimony in court is precisely half that of a man. Where a husband can kill his adulterous wife without punishment while a woman is punished with death for a similar crime. If a male Muslim intentionally kills a Muslim woman, he is subject to retribution (an eye for an eye) but only if the guardian of the murdered woman pays him half of the diyya to the murderer to make up the deficiency (Article 6 of Diyat, Article 209 Law of Retribution).
But it's Israel, a land populated by the eternally persecuted, that according to the U.N. eclipses all others in a world of wicked atrocity. Israel has turned the other cheek to violence, oppression, and subjugation throughout history. To rank Israel atop countries with well-known and well-documented histories of civil rights and human rights violations is an inexcusable insult and quite indicative of the sorry state of affairs within the U.N. and within our own diplomatic circles.

So three years ago I took a vacation to Vegas which began a downward spiral into gambling addiction which has essentially destroyed my life. I currently have about 45k in cc debt, no savings. Up to this point I have lived my entire life with no debt and an almost perfect credit score. I have self excluded from all gambling sites and enrolled in gamblers anonymous. I am also giving my husband my banking login to keep me accountable.
To complicate matters, I bought a house 4 years ago, mortgage entirely in my name but husband on the deed per Ohio law. I got a great rate due to my then stellar credit of like 2.7 percent. Initial mortgage around 120, payoff around 112 now. 2011 Hyundai paid off, not worth much.
My husband and I separated in October. We are still best friends, we just couldn't live together. I moved out and am entirely financially solo He pays the mortgage which is still in my name because to get a new home or refinance now would triple the interest rate.. My bring home is around 2200 a month and expenses minus debt around 18 to 1900. The house has recently been appraised at 22000 by Zillow I believe.
3 weeks ago he secured a heloc to do some repairs on the home which badly need it. It is entirely in his name and I signed that I was not a part of it but was aware it would be against the mortgage. Value of 43000 which he has already disbursed a portion of and has contractors working.
Lawyer says I have too much equity in the home and advises a reappraisal to see if true value is less. Hubby willing to see but very very hesitant to put house at risk. I don't live in the home so cannot reaffirm apparently. It's just considered an asset. Any insight here? Trying to put my life back together and if this doesn't work I am just lost.

GEORGIA, USA
My sister in law's part of our "family" land is next to ours. She does not live on the land but we have lived there 32 years and have driveway access on HER part as the driveway was put in long before my MIL passed away and the land was re-surveyed and broken up into plots for each kid in her will.
Last week, SIL called saying she had a $16k lien on the property for a truck that got repossessed and wanted us to bail her out. Our daughter and son-in-law offered to purchase it for $20k. Yesterday they went to their lawyer only to find out Sis-in-law has filed bankruptcy and is unable to sell it now. Not sure why as I would think the money would go to pay off the lien anyway.
How could this affect us? Could this land potentially end up on the courthouse steps and if someone else (outsider) outbids us/buys it, what becomes of our 30+ year driveway access? We live on the side of a mountain and there is no place on our own land to bring in another road without spending close to $40-$50k and that is not going to happen.

It is difficult to find real life RR relationship. Especially not an option if you are already taken. There are various vents and one of them - reading or writing fiction. There were topics about RR in scifi written by prominent authors. But how about you? Do you write or maybe have ideas for fantasy setting or world-building? Please share.
Couple examples from me:
Setting 1. Right man in the wrong time
In XXI century experiments on recording human personalities started, a lot of people were "read" and saved on hard-drives, but there were no technology to create artificial bodies for them. So the personalities of test subjects, volunteers and commerical clients remained stored. In parallel genetic treatment research lead to tech that could exteng lifespan, but unfortunatelly it had side-effects of higher risk of cancer for men. As a result this tech only worked well for women. Because of that a lot of parents started to chose female gender for their kids, as their daughters could live much longer than sons. This shifted gender balance and led to female-dominated society. Which sort rewritten history portraing the past of male-dominance in shades of black and all the men of the past as abusive, power-hungry despots. It was backed by statistical facts such as drop in crime rate with reduction of male population.
Eventually the anti-male campaign receded and some interest and curiocity towards men returned, but there were few men left and they were often too spoiled and not very attractive. So there was a high demand for men in various spheres of, well, entertainment. Besides of lack of supply there was a conflict between romantized image of primal men and fear that their brute force may be too disruptive in a disarned pacifist decadent society. A commercial solution was found - a company manufactured artificial male bodies that were looking hot and attractive, big in all the right places, yet lacked the brute force, were very light and designed to be harmless to women. Even a teenage girl could easily overpower them. They used the stored consciousness of men from XXI century and put these men into new artificial bodies. Bodies were not cheap, so the resurrected men owed a big loan to the company and had to work basically for free to pay off the debt...
Story is about a girl who rented such a guy as a birthday present for herself. She had to return him soon, but they figured out that his knowledge can help her a lot with her studies. Despite some technological advance, few people of her epoch can really understand principles behind the science - they can use it, maybe replicate, but not understand or advance.
So besides a romatic affair they can work together to help her and studies and suddenly a "genius", once she makes a career and earn some money - she can pay off his debt. And until then - rent him from time to time for both pleasure and studies.
-- I liked the story but it is long abandoned --
Setting 2. Purple letter
Every invention can be used for evil. So called Selena transformation was quickly adopted by shady brothels - it allowed to transform women in ideal sex-slaves or walking sex-toys. Very attractive perfect bodies, not aging, able to move and speak, but weak and helpless, easily stored after "work shift" and unable to run away. This was of course against law, but went under radar for a while, a ot of women were converted against their will. Then one of them escaped with the help of a client who smuggled her from a brothel and was eventually killed by thugs. Nevertheless, she managed to get help went to TV. She told her story and that caused a huge impact. Police raided brothels and found thousands of victims... A lot of people went to jail, but public outrage shifted from those who run these illegal dens to those who paid for their services and were silent... This caused a political shift and a lot of blame by association.
Some male politicians, celebritites decided to voluntary undergo Selena transformation. This way they demonstrated solidarity with female victims and scored a lot of points. This was good for career and removed the burden of "male guilt" from them. This made them physically weak and thus not dangerous to women anymore. Also reduced their individual carbon footprint. Last but not least - change made them look more sexy.
Some militant feminists and these male allies gained more political power and pushed mandatory transformation for jailed criminals. Reducing their danger and also reducing costs of prisons. Transformation of men went to industrial scale: it reduced crime and also was "green". Eventually it become mandatory and special comission decided who and when must come to the tf-hospital and be transformed. They sent men so called "Purple letters" - instruction to come up and pass transformation. Job perspectives were sour for remaining "organic" as insurance discounts motivated business to fire organic men and only hire transformed, because they were safer for women.
Also transformed that didn't volunteer require a "guardianship" of a woman. Such as wife, girlfriend or female boss. If there is no such woman - guys are sent to adoption centers that are nicknamed "boyshops".
Plot of the story is about two friends that were transformed and soon adopted by two ladies. Not for "fun", or at least not just for fun. Ladies run a business and required some new employes, they figured that the can just purchase two guys instead of hiring them...
-- This story contains 4 chapters so far but is also on hold, not much readers' interest --
Just wanted to share the settings and hopefully read some RR-fantasy setting ideas you guys have

I did some research and in 2003, sodomy law was struck down in the supreme court BUT oral sex in a car can still be indecent exposure and illegal. I'm very curious to know if anyone actually got arrested in US specifically just for that in the last 10 years.

Burnet County, TX.
Decedent passed away unexpectedly with no will or life insurance. They owned a home (listing their spouse and one child on the morthage, and possibly the title as well), owned a business (under an LLC that only listed them) that has somewhat substantial material assets (the tools required to run the business) but not the property on which the business is located (they rented), may have owned several vehicles (that would list only themselves or the LLC on the title if such vehicles exist), and had several bank accounts (for the LLC, a joint account with the spouse, and possibly additional accounts in only their name).
The spouse is insisting on attempting to probate the estate themselves ("I don't need to pay a lawyer a whole bunch of money for them to tell me that the bank owns everything"), or rather not probating the estate at all (and just sort of handing out assets as they feel fit). There are multiple children involved, but not a lot of infighting (yet) for assets.
My concern is that the spouse will make a misstep and acquire debt that isn't theirs and should have been discharged (by paying on a credit card in the decedents name, for instance), run into trouble with the business (they plan to form a new LLC with the spouse/child on it, but to my understanding won't be able to legally transfer any holdings the current LLC has to the new LLC, since only the decedent was an authorized user for the current LLC) or because they can no longer rent the current space, and/or potentially find themselves in legal trouble if one of the kids kicks up a fuss because assets weren't allocated according to the split required by the relevant intestate succession laws.
I am not party to the inheritance, but I do want to ensure that things are handled equitably and that the spouse doesn't make a mistake they can't come back from. I'm getting mixed feedback from my research online as to whether or not they even can do this without an attorney, but would like some talking points to convince them of potential pitfalls (or correction if I'm wrong as this is absolutely something they can do themselves). Money is absolutely a concern, but it will be even more of a concern if they lock themselves out of joint accounts by screwing something up.
Thanks in advance!
ETA: If she continues to refuse, can one of the adult children hire a probate attorney themselves, since they're claimants? Or does that authority lie only with the spouse?

Ever-shifting Short Seller Claims

The short sellers attacking RILY in 2023-2024 have been relentless (currently 57% of float sold short per FinViz), with an ever-shifting list of wild accusations.
It's sickening to watch them compile a never-ending list of baseless wild theories and claims to support their short positions, which are demonstrably false. But as each is proved false, they pivot to new claims, and/or change the goalposts.
The sheer volume of shifting claims makes it hard to track how despotic they are with their "platform," and how many falsehoods they've spun. Even for someone who watched it in real-time, for almost a year

Compiled & Debunked

Sunlight kills vampires. To that end, I've compiled a list of (i) claimants (ii) claims (iii) reality (iv) definitive source proving reality.

Why Did They Target RILY?

One of the most vocal short sellers, Nate Koppikar (who also introduced Marc Cohodes to the "opportunity") has a fund Orso Partners. Based on their SEC registration document, this is their investment thesis:
"The Account’s investment objectives are to achieve capital appreciation primarily by identifying and selling short marketable equity securities of underfollowed and complex companies with misleading or corrective disclosures through a research-intensive process. The Account employs a short-biased investment strategy with an emphasis on primarily small to mid-cap companies that are underfollowed and complex (i.e., companies with market capitalizations of less than $5 billion which the market does not yet have a wellformed bull and/or bear perspective)."
RILY fits their description. The icing on the cake was the relatively large market cap, and the relatively small float. Given extremely high insider ownership (32.9% of shares per the proxy), and limitations on when and how insiders can trade, the "free float" of the stock (i.e., the shares that regularly trade) is very small for the size of the company. Moreover, the setup would only get better - given insiders have consistently used their free cash to buy additional shares hand-over-fist (further reducing the float).
That meant, with relatively small amounts of capital, the short sellers could shove around the stock price. That ability to move price opens another profit avenue - taking large derivative positions (buying puts, and selling calls), and shoving the price (or allowing it to drift up) to profit all along the way. It looked so good, the stock has been the highest-shorted on the US indices for several months. Even after the release of the 10-K, shares remain "hard to borrow" with elevated borrow fees.

Debunked Claims

The claims made by vocal short sellers could fill a book. Most were outrageous and fanciful when they were proposed. Virtually all have objectively debunked. This isn't a comprehensive list, as their claims are too numerous and varied. But it paints an illuminating picture.
With a track record this poor, one would expect the short sellers to exit - rather than continuing to spin new narratives. Perhaps the continued attacks are their exit strategy to avoid bankruptcy... Well, #Bullish.
With the highest short interest of all US stocks (albeit likely decreased from the highs of ~76% of the float), I think this is more than ripe for a return to fair value - or well above, if a short squeeze occurs.
Note: this sub disallows image posts. There is a similar post in the RILYStock sub which contains virtually all source images for the claim in the comments (too many images to embed in the post). The source images are illuminating.
Note that the list below deliberately excludes three types of posts/claims from the short sellers:
A) Juvenile personal attacks and attempts to character assassinate and dox a long list of people (RILY CEO, RILY new hires, RILY clients, Marcum the auditor, Marcum's lead audit professional, any firm or individual publicly posting a bull thesis on RILY, etc.).
B) Those that make no objective claims, but simply exist as a product of malicious degeneracy (like pictures of roasted pigs in ovens labeled Bryant Riley the CEO, photoshopped pictures of the CEO in prison chains next to convicted felons, video of an obese woman barely able to walk being gored by a bull labeled Mrs. Riley the CEO's wife, etc.).
C) Those that are impossible for short sellers to know, and impossible to objectively verify (e.g., Marc Cohodes claiming a single RILY trader front runs the CEOs personal short trades in front of clients taking following the firm's bullish advice on those stocks, to guarantee profits).

Claimant	Claim	Reality
1) Wolfpack	Wolfpack “RILY will record investment losses of up to ~$700 million in 2023” FALSE 10-K	FALSE
2) Wolfpack	“new loan to CORZQ will work out just as badly as the last and end in default (again) before June 2023”	FALSE Repaid in full, early, on 1/6/2024.
3) Wolfpack	“The coupon rate on RILY’s seven issues of baby bonds ranges from 5% to 6.75%, which we believe to be far too low to compensate investors for the existential risk that accompanies these securities.”	FALSE Full redemption of May 2024 came early. Far more than sufficient cash to cover debt payments.
4) Wolfpack	“According to our analysis, 4 of RILY’s largest 7 corporate borrowers with outstanding loan balances of $295.3 million are at a high risk of default, or in the case of CORZQ, is already in default.”	FALSE a. Core Scientific Inc. repaid early and in full ($111MM of the “risk”) b. Exela Technologies repaid term loan in full ($55.8MM of the “risk”) c. Arena Group Holdings debt retired in full ($99MM of the “risk”). Publicly disclosed in the most recent 10-K for each company (search for "Riley" in the filing)
5) Wolfpack	“RILY’s NAV is Far Below the $1.1 Billion Minimum NAV Requirement That Is Required for the Nomura Credit Agreement Putting RILY at Risk of Collapse in 2023”	FALSE RILY is in full compliance with the Nomura credit agreement. Moreover, reflecting the strength of the relationship, Nomura even granted a no-fee extension when the 10-K filing was delayed. Also see 10-K for current status.
6) Wolfpack	“Over $200 Million of the Goodwill and Intangible Assets on RILY’s Balance Sheet is Attributable to its Telecom Rollup, which is Centered on Dial-up and DSL Internet:” - criticizing them as dying businesses with no value	FALSE Segment is extremely valuable. From just 2020 to 2023, the communications segment has returned over $212.2MM in adjusted EBITDA.
7) Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate), Various	RILY committed fraud with loans and closing the FRG acquisition. "The fact $RILY closed the FRG deal while hiding the Kahn loan - an all PIK defaulted loan backed by $FRG shares - is a Hall of Fame worthy act of fraud. I thought after Enron/Sarbox we couldn't have something like this happen in US markets."	FALSE A law firm led an internal investigation, and an independent external investigation both found “The review confirmed what the Company previously disclosed: that the Company and its executives, including Bryant Riley, had no involvement with, or knowledge of, any of the alleged misconduct concerning Prophecy.” “The results of the independent investigation confirmed that the Company and its executives had no involvement with, or knowledge of, any of the alleged misconduct concerning Mr. Kahn or any of his affiliates. This independent investigation was conducted subsequent to the Company's February 22, 2024 disclosure of the internal review performed with the assistance of Sullivan & Cromwell LLP as outside counsel.” Also see 10-K
8) Marc Cohodes (AlderlaneEggs), ParrotCapital, Bill Abbate Jr. (JrAbbate), Various	The 10-K will never be filed. They can't produce audited financials.	FALSE Audited 10-K was filed. Delay was due to Audit committee fulfilling its responsibilities and proactively conducting investigations (internal and external).
9) Marc Cohodes (AlderLaneEggs) + Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate) + ParrotCapital	Sullivan and Cromwell knew about Massive Fraud, and did a "sham investigation"	FALSE Sullivan and Cromwell is one of the most respected law firms, in the US and worldwide. "Sullivan & Cromwell continues to lead all law firm advisers in announced and completed global deals in 2023, according to Bloomberg and LSEG. The Firm advised on global announced deals totaling more than $345 billion, representing a 12.1 percent market share, per Bloomberg, and on completed global deals totaling more than $431 billion, representing a 16.9 percent market share, per LSEG." They're not compromising themselves for a relatively small client.
10) Marc Cohodes (AlderLaneEggs), Nate Koppikar (TheFriendlyBear), Bill Abbate Jr. (JrAbbate), Parrot Capital	Marcum is enabling Massive Fraud	FALSE Marcum is a respected audit firm, and 13th largest by revenue. "Marcum LLP advanced into the Top 15 in the 2023 Vault Accounting list of top-ranked accounting firms. Marcum climbed six levels to the No. 13 ranking overall and earned a ranking of 14 in prestige. The Firm also won Top 20 rankings across all Practice Area, Quality of Life, and Diversity categories, including several new classifications added this year."
11) Marc Cohodes (AlderLaneEggs)	Nomura is enabling Massive Fraud	FALSE Nomura is a global financial services company, and the oldest brokerage firm in Japan. They operate in a highly regulated industry. They're not putting themselves on the line for a relatively small client.
12) Parrot Capital	"The list of $RILY enablers is massive: Marcum LLP, Sullivan and Cromwell, Seeking Alpha, Holbrook Holdings, $AX Axos Bank, Many, many more."	FALSE There's no global conspiracy whereby these companies - all respected law firms, auditors, banks, and media outlets - are collectively colluding to enable RILY to commit fraud. Requires only two brain cells and one functioning synapse to know there's no grand collusion cabal between these disparate companies.
13) Marc Cohodes (AlderLaneEggs), Jonathan Weil at WSJ	Franchise Group shares used to secure Kahn loan: "It is unclear whether Kahn pledged the same shares twice—to both Prophecy and B. Riley."	FALSE As stated by the company, Simple UCC search disproves this. UCC # 202302295747
14) Marc Cohodes (AlderLaneEggs)	“Bryant Riley is on the Road, telling people the ‘audit partner at Marcum left’ and that ‘I have made mistakes’ “	FALSE Marcum audit partner was working on the audit the whole time; the original audit partner had hit the 5yr SEC rule, so he was never working on this year’s audit.
15) Marc Cohodes (AlderLaneEggs)	"So it turns out James La Rocca was Fired by MarcumLLP If nothing was wrong with prior $RILY Audits, why is he gone? This will be great in discovery of what exactly went on.	FALSE Marcum audit partner was working on the audit the whole time; the original audit partner had hit the 5yr SEC rule, so he was never working on this year’s audit.
16) Koppikar (TheFriendlyBear)	“So Bryant Riley did disseminate MNPI back in March” in response to Cohodes claim that he told people the Marcum partner left	FALSE Cohodes claimed Bryant Riley was telling people the Marcum auditor left. Koppikar called that disseminating MNPI. Cohodes statement was false (and thus Koppikar's derivate claim is also false). A different auditor worked on RILY, as Marcum follows the SEC rules; the lead auditor can only serve the client for 5 consecutive years. As such, Koppikar’s derivative claim of disseminating MNPI is false.
17) Koppikar (TheFriendlyBear)	“He appears to still not be familiar with the voting interest model of consolidation… why is a life science and tech partner signing an extremely complex investment company / broker dealer audit ???” i.e., auditor is unqualified	FALSE The auditor is fully qualified. Marcum is a highly respected auditor; they don't hire unqualified people, or assign them to clients they're unqualified to audit. RILY is continuing to use Marcum as the 2024 auditor.
18) Marc Cohodes (AlderLaneEggs)	"Now that the $RILY dividend is going away, this omission is serious stuff"	FALSE The dividend did not go away. It was reduced from $1.00/share to $0.50/share, to allow them to opportunistically allocate capital. 23Q4 and 24Q1

No source images included for the claims, as this sub disallows images in posts and comments. Images can be seen on a version of this posted to a sub that discusses RILY. All claims can be sourced on the various social media venues and websites utilized by the short sellers. Other sources include: https://wolfpackresearch.com/research/rily/ and here https://friendlybearresearch.com/wp-content/uploads/2023/12/RILY-Analyst-Day-Questions-12_11_13-Final.pdf and https://www.institutionalinvestor.com/article/2cpgaejc45gocvoqb1ngg/corner-office/how-b-riley-garnered-the-biggest-short-interest-of-2023 and https://www.wsj.com/finance/how-an-unremarkable-deal-became-a-big-threat-to-a-small-investment-bank-f819a169 . https://adviserinfo.sec.gov/firm/summary/304196 form ADV. This is not financial advice. All claim summarizations reflect my interpretation of the short seller claims, and should be verified against original sources, along with all counters. Due to Reddit image attachment limits, not all source images are included (but any missing can be found on TwitteX or other publicly available sources).

Ever-shifting Short Seller Claims

The short sellers attacking RILY in 2023-2024 have been relentless (currently 57% of float sold short per FinViz), with an ever-shifting list of wild accusations.
It's sickening to watch them compile a never-ending list of baseless wild theories and claims to support their short positions, which are demonstrably false. But as each is proved false, they pivot to new claims, and/or change the goalposts.
The sheer volume of shifting claims makes it hard to track how despotic they are with their "platform," and how many falsehoods they've spun. Even for someone who watched it in real-time, for almost a year

Compiled & Debunked

Sunlight kills vampires. To that end, I've compiled a list of (i) claimants (ii) claims (iii) reality (iv) definitive source proving reality.

Why Did They Target RILY?

One of the most vocal short sellers, Nate Koppikar (who also introduced Marc Cohodes to the "opportunity") has a fund Orso Partners. Based on their SEC registration document, this is their investment thesis:
"The Account’s investment objectives are to achieve capital appreciation primarily by identifying and selling short marketable equity securities of underfollowed and complex companies with misleading or corrective disclosures through a research-intensive process. The Account employs a short-biased investment strategy with an emphasis on primarily small to mid-cap companies that are underfollowed and complex (i.e., companies with market capitalizations of less than $5 billion which the market does not yet have a wellformed bull and/or bear perspective)."
RILY fits their description. The icing on the cake was the relatively large market cap, and the relatively small float. Given extremely high insider ownership (32.9% of shares per the proxy), and limitations on when and how insiders can trade, the "free float" of the stock (i.e., the shares that regularly trade) is very small for the size of the company. Moreover, the setup would only get better - given insiders have consistently used their free cash to buy additional shares hand-over-fist (further reducing the float).
That meant, with relatively small amounts of capital, the short sellers could shove around the stock price. That ability to move price opens another profit avenue - taking large derivative positions (buying puts, and selling calls), and shoving the price (or allowing it to drift up) to profit all along the way. It looked so good, the stock has been the highest-shorted on the US indices for several months. Even after the release of the 10-K, shares remain "hard to borrow" with elevated borrow fees.

Debunked Claims

The claims made by vocal short sellers could fill a book. Most were outrageous and fanciful when they were proposed. Virtually all have objectively debunked. This isn't a comprehensive list, as their claims are too numerous and varied. But it paints an illuminating picture.
With a track record this poor, one would expect the short sellers to exit - rather than continuing to spin new narratives. Perhaps the continued attacks are their exit strategy to avoid bankruptcy... Well, #Bullish.
With the highest short interest of all US stocks (albeit likely decreased from the highs of ~76% of the float), I think this is more than ripe for a return to fair value - or well above, if a short squeeze occurs.
Note that the list below deliberately excludes three types of posts/claims from the short sellers:
A) Juvenile personal attacks and attempts to character assassinate and dox a long list of people (RILY CEO, RILY new hires, RILY clients, Marcum the auditor, Marcum's lead audit professional, any firm or individual publicly posting a bull thesis on RILY, etc.).
B) Those that make no objective claims, but simply exist as a product of malicious degeneracy (like pictures of roasted pigs in ovens labeled Bryant Riley the CEO, photoshopped pictures of the CEO in prison chains next to convicted felons, video of an obese woman barely able to walk being gored by a bull labeled Mrs. Riley the CEO's wife, etc.).
C) Those that are impossible for short sellers to know, and impossible to objectively verify (e.g., Marc Cohodes claiming a single RILY trader front runs the CEOs personal short trades in front of clients taking following the firm's bullish advice on those stocks, to guarantee profits).

Claimant	Claim	Reality
1) Wolfpack	Wolfpack “RILY will record investment losses of up to ~$700 million in 2023” FALSE 10-K	FALSE
2) Wolfpack	“new loan to CORZQ will work out just as badly as the last and end in default (again) before June 2023”	FALSE Repaid in full, early, on 1/6/2024.
3) Wolfpack	“The coupon rate on RILY’s seven issues of baby bonds ranges from 5% to 6.75%, which we believe to be far too low to compensate investors for the existential risk that accompanies these securities.”	FALSE Full redemption of May 2024 came early. Far more than sufficient cash to cover debt payments.
4) Wolfpack	“According to our analysis, 4 of RILY’s largest 7 corporate borrowers with outstanding loan balances of $295.3 million are at a high risk of default, or in the case of CORZQ, is already in default.”	FALSE a. Core Scientific Inc. repaid early and in full ($111MM of the “risk”) b. Exela Technologies repaid term loan in full ($55.8MM of the “risk”) c. Arena Group Holdings debt retired in full ($99MM of the “risk”). Publicly disclosed in the most recent 10-K for each company (search for "Riley" in the filing)
5) Wolfpack	“RILY’s NAV is Far Below the $1.1 Billion Minimum NAV Requirement That Is Required for the Nomura Credit Agreement Putting RILY at Risk of Collapse in 2023”	FALSE RILY is in full compliance with the Nomura credit agreement. Moreover, reflecting the strength of the relationship, Nomura even granted a no-fee extension when the 10-K filing was delayed. Also see 10-K for current status.
6) Wolfpack	“Over $200 Million of the Goodwill and Intangible Assets on RILY’s Balance Sheet is Attributable to its Telecom Rollup, which is Centered on Dial-up and DSL Internet:” - criticizing them as dying businesses with no value	FALSE Segment is extremely valuable. From just 2020 to 2023, the communications segment has returned over $212.2MM in adjusted EBITDA.
7) Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate), Various	RILY committed fraud with loans and closing the FRG acquisition. "The fact $RILY closed the FRG deal while hiding the Kahn loan - an all PIK defaulted loan backed by $FRG shares - is a Hall of Fame worthy act of fraud. I thought after Enron/Sarbox we couldn't have something like this happen in US markets."	FALSE A law firm led an internal investigation, and an independent external investigation both found “The review confirmed what the Company previously disclosed: that the Company and its executives, including Bryant Riley, had no involvement with, or knowledge of, any of the alleged misconduct concerning Prophecy.” “The results of the independent investigation confirmed that the Company and its executives had no involvement with, or knowledge of, any of the alleged misconduct concerning Mr. Kahn or any of his affiliates. This independent investigation was conducted subsequent to the Company's February 22, 2024 disclosure of the internal review performed with the assistance of Sullivan & Cromwell LLP as outside counsel.” Also see 10-K
8) Marc Cohodes (AlderlaneEggs), ParrotCapital, Bill Abbate Jr. (JrAbbate), Various	The 10-K will never be filed. They can't produce audited financials.	FALSE Audited 10-K was filed. Delay was due to Audit committee fulfilling its responsibilities and proactively conducting investigations (internal and external).
9) Marc Cohodes (AlderLaneEggs) + Nate Koppikar (TheFriendlyBear) + Bill Abbate Jr. (JrAbbate) + ParrotCapital	Sullivan and Cromwell knew about Massive Fraud, and did a "sham investigation"	FALSE Sullivan and Cromwell is one of the most respected law firms, in the US and worldwide. "Sullivan & Cromwell continues to lead all law firm advisers in announced and completed global deals in 2023, according to Bloomberg and LSEG. The Firm advised on global announced deals totaling more than $345 billion, representing a 12.1 percent market share, per Bloomberg, and on completed global deals totaling more than $431 billion, representing a 16.9 percent market share, per LSEG." They're not compromising themselves for a relatively small client.
10) Marc Cohodes (AlderLaneEggs), Nate Koppikar (TheFriendlyBear), Bill Abbate Jr. (JrAbbate), Parrot Capital	Marcum is enabling Massive Fraud	FALSE Marcum is a respected audit firm, and 13th largest by revenue. "Marcum LLP advanced into the Top 15 in the 2023 Vault Accounting list of top-ranked accounting firms. Marcum climbed six levels to the No. 13 ranking overall and earned a ranking of 14 in prestige. The Firm also won Top 20 rankings across all Practice Area, Quality of Life, and Diversity categories, including several new classifications added this year."
11) Marc Cohodes (AlderLaneEggs)	Nomura is enabling Massive Fraud	FALSE Nomura is a global financial services company, and the oldest brokerage firm in Japan. They operate in a highly regulated industry. They're not putting themselves on the line for a relatively small client.
12) Parrot Capital	"The list of $RILY enablers is massive: Marcum LLP, Sullivan and Cromwell, Seeking Alpha, Holbrook Holdings, $AX Axos Bank, Many, many more."	FALSE There's no global conspiracy whereby these companies - all respected law firms, auditors, banks, and media outlets - are collectively colluding to enable RILY to commit fraud. Requires only two brain cells and one functioning synapse to know there's no grand collusion cabal between these disparate companies.
13) Marc Cohodes (AlderLaneEggs), Jonathan Weil at WSJ	Franchise Group shares used to secure Kahn loan: "It is unclear whether Kahn pledged the same shares twice—to both Prophecy and B. Riley."	FALSE As stated by the company, Simple UCC search disproves this. UCC # 202302295747
14) Marc Cohodes (AlderLaneEggs)	“Bryant Riley is on the Road, telling people the ‘audit partner at Marcum left’ and that ‘I have made mistakes’ “	FALSE Marcum audit partner was working on the audit the whole time; the original audit partner had hit the 5yr SEC rule, so he was never working on this year’s audit.
15) Marc Cohodes (AlderLaneEggs)	"So it turns out James La Rocca was Fired by MarcumLLP If nothing was wrong with prior $RILY Audits, why is he gone? This will be great in discovery of what exactly went on.	FALSE Marcum audit partner was working on the audit the whole time; the original audit partner had hit the 5yr SEC rule, so he was never working on this year’s audit.
16) Koppikar (TheFriendlyBear)	“So Bryant Riley did disseminate MNPI back in March” in response to Cohodes claim that he told people the Marcum partner left	FALSE Cohodes claimed Bryant Riley was telling people the Marcum auditor left. Koppikar called that disseminating MNPI. Cohodes statement was false (and thus Koppikar's derivate claim is also false). A different auditor worked on RILY, as Marcum follows the SEC rules; the lead auditor can only serve the client for 5 consecutive years. As such, Koppikar’s derivative claim of disseminating MNPI is false.
17) Koppikar (TheFriendlyBear)	“He appears to still not be familiar with the voting interest model of consolidation… why is a life science and tech partner signing an extremely complex investment company / broker dealer audit ???” i.e., auditor is unqualified	FALSE The auditor is fully qualified. Marcum is a highly respected auditor; they don't hire unqualified people, or assign them to clients they're unqualified to audit. RILY is continuing to use Marcum as the 2024 auditor.
18) Marc Cohodes (AlderLaneEggs)	"Now that the $RILY dividend is going away, this omission is serious stuff"	FALSE The dividend did not go away. It was reduced from $1.00/share to $0.50/share, to allow them to opportunistically allocate capital. 23Q4 and 24Q1
19) Marc Cohodes (AlderLaneEggs)	"$RILY doesn't make it till Easter... I will say it again and again.."	FALSE They made it, filed a 10-K and paid a dividend, filed a 10-Q and are paying a dividend, and are chugging along. With stock price 50% higher than when this claim was made.

A sampling of the source claims listed above can be found in the images embedded in comments below this post, with additional claims found here https://wolfpackresearch.com/research/rily/ and here https://friendlybearresearch.com/wp-content/uploads/2023/12/RILY-Analyst-Day-Questions-12_11_13-Final.pdf and https://www.institutionalinvestor.com/article/2cpgaejc45gocvoqb1ngg/corner-office/how-b-riley-garnered-the-biggest-short-interest-of-2023 and https://www.wsj.com/finance/how-an-unremarkable-deal-became-a-big-threat-to-a-small-investment-bank-f819a169 . https://adviserinfo.sec.gov/firm/summary/304196 form ADV. Additional claims can be sourced on the various social media venues and websites utilized by the short sellers. This is not financial advice. All claim summarizations reflect my interpretation of the short seller claims, and should be verified against original sources, along with all counters. Due to Reddit image attachment limits, not all source images are included (but any missing can be found on TwitteX or other publicly available sources). Was unable to embed images in the post itself due to a Reddit limitation/bug.

So I'm going to attend a full time M7 program in the fall. At my current company, which is a large F500, the sheer extreme level of ignorance about MBA programs from the average American worker is absolutely hilarious to anyone who has spent time on this sub or done their research.
First, many view the Part-Time program as far superior to the Full-Time program because "you get to keep your job" and "it shows hustle." When I told them I'm going Full-Time, they said "well, I think it makes sense only if you want to get it done with faster." They don't know about how Full-Time programs are the smoothest option for career pivoters due to the summer internship between 1st & 2nd year, as well as full availability for recruitment events during the day. They also don't know Full-Time MBAs are usually harder to get into than part time due to being more selective with higher GPAs, GMAT/GRE scores, and work experience.
Second, the schools people think are "good" is hilarious. They will say things like "Ivy League MBAs" are the best, never having heard of M7 or T15. The M7 I'm going to is a non-Ivy League, and they haven't heard about it (they might have heard of the parent university but are unsure of how to "rank" it). Meanwhile, Georgetown has incredible lay prestige - they think it's as good as some Ivies. And they think Yale is among the most prestigious MBAs, beating out Stanford.
Third, they will say stuff like "I wouldn't recommend an MBA. I know so and so who got one and they now have the exact same job as me with six figure debt!" They won't realize that the MBA was likely from a no-name state school or the person got it straight out of undergrad. Some even asked why I'm doing my MBA "late" instead of immediately after undergrad. On the flipside, people will say things like "oh my uncle got an MBA from the University of Phoenix! He said it was a great experience." And other things like "awesome! Now you can do the John Doe, MBA on your LinkedIn name," not realizing how cringe that is.
Fourth, people will say things like "Why not just go to x (our local state school)," not realizing that M7s have far great career opportunities. They might vaguely understand the "Ivy League" schools are better, but still fundamentally think all MBA programs are kind of similar. They don't know there's a vast difference in the quality, focus, and outcomes of different MBA programs when it comes to alumni networking and campus recruiting. The dark side of this is ignorant people taking out six-figure debt to attend a really low ranked program, only to graduate with poor job prospects. One co-worker even said, "isn't it best to do an MBA right after undergrad? Aren't you late?"
Fifth, people have no idea about the common post-MBA careers. If you say PM, they think of Project Management, NOT Product Management. They'll say, "Why not just get a PMP, that's what so and so did." If you say consulting, they'll say "it's not that great! I know so and so working at KPMG or Accenture during tech implementation. Avoid the Indian companies like WiPro though - they're not great." Forget Investment Banking - they thought that meant "bank teller." No one has any idea what VC, Hedge Fund, or Private Equity is. They'll also say "how can you do consulting or banking, that's totally different from what you do now!" not realizing that consulting and banking at the MBA level recruit in a background agnostic way. Tech and VC/HF/PE care about background though.
Sixth, people say things like "Study hard! You don't want to slack off on that GPA" not realizing that most top MBAs have grade non disclosure and really high curves, making academics often the lowest thing to prioritize (obviously this is a personal choice). But the general perception is that the MBA is an academically rigorous degree like law school, med school etc. They were shocked when I revealed much of the experience is often social, such as domestic and international treks for fun.
Seventh, people fail to realize how difficult it is to get into an M7 MBA. They look at me and go "hey! I'd love to go to Stanford or Harvard or Yale for my MBA, if you can do it, I can do it right?" Only for me to explain the acceptance rates and the high GPAs and GMAT/GRE scores. Only to find out they have poor (like 2.x) GPAs from state schools and likely aren't going to get near perfect GMAT/GRE scores. Their work experience or family connections aren't extremely stellar to the point they can overcome these poor raw stats.
Being "in the know" makes it hilarious to see people who know absolutely nothing give their completely wrong and uniformed opinions with such confidence.