I’m trying to wrap my head around what my options are, would really appreciate any help cause I’m confused.
Yesterday my mom got served the papers, I don’t live there anymore I’m in a different part of the state (California) the date on the summons is 4/29/2024 but she got it on 5/20/2024 don’t know if this is relevant but it says I have 30 days to respond, the letter is SUM-100.
The debt is for 6k, I maxed out my credit card during Covid to survive, never payed it off. Im living out of a van in a different county now.
I’m reading a bunch of threads to find advice on this but it’s still confusing, I understand I have to respond asap, but I’m not sure if I should try to settle with the collections agency or try to fight it in court to get it dismissed? Some people have said they might not have the needed proof of the debt and it’d be dismissed, is that actually even a realistic possibility?
Or is trying to settle a safer option? I can’t afford an attorney, thanks for any help

I have about $20,000 in debt all of which stems from credit card abuse. I am 24 and right now my 3 cards are $10,664.51 with a 28.24% apr. $2,803.85 with 27.24% apr and a $5,580.02 with 27.49%. I want to rid myself of debt in 2 years to do that my current plan has me paying $1,105 a month towards them. I’ve been considering a personal loan for $950 a month. It would overall lower the amount I pay each month while saving me overall interest. I currently make around $3,200- $3,400 a month in income (paid weekly and I make tips so it’s quite flexible) I live with my partner and pay $1,200 a month in rent along with insurance. So paying more than $1,200 for my debt is not doable. I’m just worried of the downsides to the personal debt and was curious if anyone had input on this idea. I’ve tried the snowball method previously but I have a shopping addiction which just resulted in me accumulating more debt. I’ve removed my cards from any accounts that allow me to spend without realizing and I’ve removed them from Apple Pay so I cannot be tempted. The cards are now in my extremely trustworthy partners possession ( I think he’s hidden them) and I have no intention of using them.

Just got a voicemail from "EMP Legal Group" and it sounds like an AI-generated voice. They didn't threaten me with "we need to serve you papers" or any of that typical nonsense, but they did say to look up their website to see they are legit and then call them to "settle the financial matter". They have a legit website and appear to be an authentic debt collection agency? I check my credit report every couple months and I know I don't have delinquent debts.
Also, the number they called me from is not listed anywhere, which seems shady.
Should I just ignore them?

Say someone started an patreon with the goal of making enough money to buy debts from debt collection agency only to forgive the debts. Would this have a net positive effect on the economy.
For example, if I had enough money to buy 30 debts from kash4you (generic payday loan company) and forgive them instead of asking for payment. Would that on large scale impact the economy if done on a large enough scale?

I'm reaching out for some advice/guidance regarding my job search situation after a challenging last year or so. I guess I start by saying that this will be a long post.

1. I finished a contract job early last year. After spending a significant amount of time on the resume (first time i did so largely on my own, took a better part of a few months trying to figure that out). I started applying online around the summer and I was getting interviews, but it didn't go anywhere (got close twice, getting to the third round, but still nothing).

Long story short, It got to the point where this year, i needed to move back in with family because i didnt want to go into debt. Now, there telling me to apply to the CRA and do the situational judgement test, and then everything will be fine and you could apply to any job.
Ignoring how incredibly competitive those roles must be, there's likely a high probability that I don’t have the years of experience for that (have basically around 2 years in several roles) that I dont see, with my employment gap and despite me doing volunteer work right now how even if i do the situational judgement test, that it could be remotely worth the effort.... Is this in any way realistic? Anyone familiar with what the process is actually like applying for jobs at the CRA?

1. My interviewing skills are weak. I've made careless mistakes as I look back on some interviews i've done. I've thought about going to the university i graduated from and asking for help, however, I always felt that interview prep was more suitable after getting the request for the interview from the employer, meaning you have a few day notice at best.

Each job description/job your applying for is different so your preparation will be different each time. Is there a place any of you went to in order to get help with interviews? Has general interview preparation worked for you?
I've practiced with family/friends before many times, but it hasnt really helped because the issue is and its hard to explain, but its hard to simulate an actual job interview with people your familiar with because the nerves aren't there for me.

1. At this point, I view advice like "apply online", "keep applying" given my unemployment gap is longer then a year, that advice feels like a wasted effort right now, I've tailored and altered my resume slightly, changing job titles, the beginning profile summary so it aligns better with jobs i've applied for so many times, I have so many different versions of my resume saved on my computer.

I had finally decided last month, to change my strategy and given that I had to move back in with family, I looked more toward volunteer work, as an easier way to cover up an employment gap, and an easier way to gain work experience right now. I started a non-paid volunteer role last month (thankfully, no interview required, just orientation process). This felt like a realistic option, but its a non-paid volunteer role. That very obviously wont work long term, and thats why I'm looking for general advice here on what to do next.

1. I've contacted agencies. Robert Half, Recruiting in Motion, Altis Technology are the ones where I have actually get responses back. However, i guess it comes back to the interviewing skills issue where maybe I'm just not showing enough energy during those calls. Which is why, going back to #2, If anyone has tips or resources that helped them improve their interview skills beyond practicing with family and friends, I'd greatly appreciate any advice you can offer.
   
2. I'm also signed up with YMCA's Employment Services through Employment Ontario. I recently did that, so its to early for me to say whether they'll be any benefit from it.
   
3. In terms of networking, I went through a significant amount of mental and physical health issues during my time in university. One of my regrets during that time was not being able to do, what your supposed to during that time which was network/build connections. I was in no shape to remotely think about working and doing school work at the same time. I tried that once during the summer time one year and I was really struggling , and I was only doing 2 courses during that semester. I’m far better now compared to before, but its more that, now that I’m out of school. I’m not sure where to start with that. ________________________
   

Thank you to anyone that might have took the time to actually read all of that. For some reason, I feel better after writing it.

After a bit of back and forth with myself and a medical situation that finally threw me in the deep end, I officially filed today. My attorney said I should know upcoming dates by Friday and the ball should start rolling quickly after that.
I had previously enrolled in a debt consolidation program and that ended up tanking my credit and getting me sent to a few different collections agencies. I’ve come to realize I should have just filed initially but hindsight is 20/20. As weird as it may sound, I’m excited to get started and get saving what I can and fixing what I managed to mess up.

I had to move across the state for a job last year, and therefore had to early terminate a lease at my townhouse. The termination fee was around $2,700.
I tried to log on and pay this on the property management portal, and it said I could no longer pay online. I emailed the leasing office and asked them how I could pay, and they told me that I had a $0.0 balance. That was the last email I’ve received from them.
I recently received a debt collection notice almost a full year after the email and my move. I disputed the notice and called the leasing office and they’ve told me that they don’t know what happened on their end when the email was sent, but I owe the money and I should’ve known about it.
I’m getting married in a couple months and any money that I had for move out costs (including the assistance from my employer to help me move) is gone.
Does the email in this instance help my argument, regardless of what they are now trying to tell me? Am I supposed to get notices from the apartment prior to receiving a debt collection letter? The last correspondence before the letter was that I owed $0. I’m not sure how to proceed. The leasing office said that they would talk to the debt collection agency about it because “it was out of their hands”. That seems wrong because it’s them that filed the claim.
Thanks in advance.

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.

So I got a notice from a debt collector( wakefield and associates) that I’d dealt with before. I pay a lot each month and I can’t keep up, so I called to renegotiate. I googled their number and called the one that popped up. The guy introduced himself as from Wakefield and associates. I told him I wanted to renegotiate my payments. He verified my name, phone number, birthday, etc(he already had these) and then asked for my email. I probably should have know that something was up at this point because they’ve never contacted me via email nor asked for it. Then he asked for my card number, which they also should have already had. But I figured it was for verification, etc. well he tells me there’s no debt accounts open in my name. He says to call this other number and verify. If they have it, then renegotiate with them. If not, tell the bank to stop payments and contact the hospital(it was medical debt) and make sure they even sold it. I called the number, but either I wrote it down wrong or it was fake because it sent me to some other debt agency that had no connection to Wakefield. I checked their website and realized the number that popped up on Google was wrong and for some credit repair company. I called the number on their website and they said that I did owe that debt(they did say I owed too much for renegotiating and they’d have to sue if I didn’t pay at least $250 a month) but still, it seems like I got scammed. The number I called appears differently in my call history than on Google tho, maybe I hit a wrong button? Idk I’m so confused. What do I do?

Hi all,
As the title states I'm looking for some career advice, and maybe also an opportunity to get some things off my chest. So, I apologize in advance if this is a little long.
I started my career in market research by complete happenstance. I was fresh out of college with a Marketing degree and applied for a job for a large well-known market research supplier - mainly because the title had "marketing" in it. I honestly had little clue what the company did, but it was an entry level position, and they weren't expecting any experience. I worked at this company for 14 years, getting promoted every couple of years which kept me happy and content. We primarily focused on copy testing TV ads, and brand tracking work. I learned the basics of market research, writing q'res, checking data tables, populating reports, drawing insights from the data. But I would classify all this knowledge as very surface level. Since we had standard "solutions" I rarely, if ever had to write a survey from scratch. We had a data processing team, so I never learned SPSS, R, or other data processing tools. After around year 12 I started looking for other jobs, because I was burnt out doing the same research every day and because of our company’s direction - maximizing profits, cutting workforce, offshoring data functions, etc.
At this time, I tried to branch out of market research, but looking for adjacent type of work - think marketing/web analytics, etc. - but didn't have much luck. I either made too much money or was disregarded because I didn't have the exact experience the role was looking for. I finally ended up taking a job with a small UK firm that specialized in text analytics - basically automated coding of verbatim comments. The role was interesting, as we were using the text analysis to comb through hundreds of thousands of CX survey comments every month. Unfortunately, the company who was conducting the CX research offered our clients the text analytics for free or very little cost, making our services redundant. This was the company’s only US client, so there was nowhere for me to go even though I enjoyed working for the company. Luckily, I saw the writing on the wall early and was able to job hunt before we were officially let go from our contract.
Given the pressure of impending doom at the previous position, I wasn't too choosey about my next role. I took a position in the research department for a B2B trade magazine publisher. In hindsight this was a dead-end move from the beginning, as the company was in a dying industry (who reads magazines anymore?) The research role was split between doing industry research studies to provide editorial content for the 50+ publications and doing custom research using our vast subscriber base. Most of the studies we conducted just ended up being copies of the previous year’s study and required very little thinking. Even the "custom" studies were often repeat waves from prior years and were in areas I had little knowledge of (roofing materials, plumbing fixtures, industrial food manufacturing equipment, etc.). Again, I saw the writing on the wall, as the company's revenue declined year over year and the custom research group barely topped $1MM in revenue (it was basically the co-CEO's pet project). Back to the job search.
This time, I was able to use some connection to get in touch with the hiring manager for a private mid-sized research supplier that specialized in TV ad effectiveness research, which was right up my alley thanks to the experience at my first company. I was hired and was able to seamlessly step into the role. I mainly enjoyed what I was doing, even if it was a bit repetitive. I was good at it, and I liked the company and people I worked with. At this point in my career, I was less concerned about climbing the corporate ladder and more concerned about work life balance and job stability. My main hope was to ride out this job until I was ready to retire (~10 years). However, as is happening all over the research industry, our company was acquired by a private equity funded research company. Over the past 2 years since the acquisition, there have been multiple layoffs and restructurings as the private equity firm looks to squeeze every cent out of their investment. There is no more job stability, and I feel like it is only a matter of time before I'm let go, and I can’t ride out my time here to retirement.
I have again begun a job search but I am running into all the same issues I had when I left my first company. I don't have technical know-how (SPSS, statistical techniques, etc.) and my research expertise is in a small niche sector (ad/marketing effectiveness). There are very few mid-sized research firms left, as most of them have been consolidated into large firms. So I'm either left with these big corporately run firms that have all of the same issues my current companies have (only care about profits above all else), or they are small boutique firms that are looking for research experience (CX, segmentation, product testing, etc.) I don't have and/or technically experience with statistical/data tools.
I don't really want to go back to school to learn a new career, because by the time I finish a new degree I may only want/need to work for a few more years. I'd love to find something that is flexible, and stable even if it means I make less money than I do now. Most of the research firms don't seem to be hiring right now, and I don't know if I'm just trading one bad situation for another. I can't seem to break into any adjacent industries (marketing analytics, media agencies, etc.) I've investigated government jobs, but nothing seems to translate to my experience.
Any other places I should be looking at? Does anyone else feel trapped in this industry that seems to be getting worse every year as more and more consolidation happens?
TL:DR - Have 20+ years of supplier side research experience but in a very niche sector, which is preventing me from getting considered for other jobs/industries. Mainly searching for stability and flexibility (versus $ and career advancement) but that seems to be in short supply as the research industry is continually being consolidated and gobbled up by hedge funds and private equity.

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Social Media Entry: Collect your best PUBG MOBILE content; then upload your content to social media with the hashtag #MECHMANIASHOWCASE + #SWEEPSTAKES. 

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• Entries may not contain material that (a) is obscene, defamatory, libelous, threatening, pornographic, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, or violate any law; (b) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, contractual rights, moral rights or other intellectual property rights, or rights of publicity or privacy, or any other rights of third parties; (c) violates, or encourages any conduct that would violate any applicable law or regulation or would give rise to civil liability; (d) is fraudulent, false, misleading or deceptive; (e) is grossly harmful, racially or ethnically objectionable, disparaging, blasphemous, libelous, defamatory, obscene, pornographic, pedophilic, vulgar or offensive; (f) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (g) is violent, bullying, or threatening or promotes violence, money laundering or gambling, terrorism, or actions that are threatening or disrespectful to any person or entity; (h) harms minors in any way; or (i) promotes illegal or harmful activities or substances.
• Entries must follow the community guidelines and terms of service of the social media platform used for entry (where applicable).
• Participants may enter any number of times, but are only eligible to win once per week during the Sweepstakes Period.
• Sponsor may reject any entries that are found, as determined by ZAM in its sole discretion, to be in violation of these Official Rules.

1. Drawing; Notification of Winners

All Sweepstakes entries meeting the requirements of these Official Rules will be entered into the prize drawing. The number of winners will be indicated in the additional terms found on the applicable Sweepstakes webpage. Each winner will be selected by a random-chance drawing by independent persons or a computer program that randomly chooses the winner, from all eligible entries received and the random selection is final and binding, subject to the below. ZAM will notify winners by email, U.S. Mail at the address associated with the winner’s entry form, and/or by other means consistent with the Sweepstakes as soon as reasonably practicable following the drawing, but at least within seven (7) days of the drawing. ZAM is not responsible for any delay or failure to receive notification, including inactive account(s), technical difficulties associated therewith, or winner’s failure to adequately monitor any account. The winner must then respond to ZAM within fourteen (14) days or such other time frame as may be specified on the applicable Sweepstakes webpage. Winner, and any guest (if applicable), may be required to sign an affidavit of eligibility and liability and publicity release. Should the winner fail to respond to ZAM or cannot be contacted, is ineligible, fails to claim a prize and/or where applicable an affidavit of eligibility and liability and publicity release is not timely received, is incomplete or modified, the prize may be forfeited and ZAM reserves the right to disqualify that winner and select a new one in a second-chance random drawing from remaining valid, eligible entries timely submitted.

1. Prize

Each winner will receive the prize below. No cash or other substitution, assignment or transfer of the prize is permitted, except at the sole option of ZAM, who has the right to substitute a prize with another of comparable or greater value. Winner is responsible for all income or other taxes and fees associated with the receipt and/or use of the prize. The odds of winning a prize depend on the total number of eligible entries received. ZAM will not replace any lost or stolen prizes. ZAM will use all reasonable efforts to deliver prizes in a timely fashion.
Prizes:
5 winners will each win UC valued at US$100

1. Intellectual Property
2. Ownership of the pre-existing underlying intellectual property of the entrant remains the property of the entrant subject to Sponsor’s rights to reprint, display, reproduce, perform, use, and exhibit the entry for the purpose of administering and promoting the Sweepstakes and for Sponsor’s marketing and advertising purposes. By participating in the Sweepstakes, each entrant grants to Sponsor a non-exclusive, worldwide, fully paid, royalty-free, perpetual, transferable license, with the right to sublicense, to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the Sweepstakes or use or receipt of the prize for any and all purposes in any medium. If an entrant is selected as a winner, instead of the license granted above, each entrant grants to Sponsor an exclusive, worldwide, fully paid, royalty-free, perpetual, transferable license, with the right to sublicense, to reprint, display, reproduce, perform, use, and exhibit (including the right to make derivative works of) the entry and materials and information submitted on and in connection with the Sweepstakes or use or receipt of the prize for any and all purposes in any medium. Each participating entrant hereby warrants that any entry and other materials and information provided by entrant are original with entrant and do not violate or infringe upon the copyrights, trademarks, rights of privacy, publicity, moral rights or other intellectual property or other rights of any person or entity, and do not violate any applicable laws, rules or regulations. If the entry or information or materials provided by entrant contain any material or elements that are not owned by entrant and/or which are subject to the rights of third parties, entrant represents he or she has obtained, prior to submission of the entry and information or materials, any and all releases and consents necessary to permit use and exploitation of the entry, relevant information and materials by Sponsor in the manner set forth in these Official Rules without additional compensation.

Each entrant warrants that the entry and materials and information provided do not contain information considered by entrant, its employees or personnel, or any other third party to be confidential, and that the entry, materials and information provided do not violate any laws or regulations. Entrant agrees that Sponsor has the right to verify the ownership and originality of all entries and that, upon Sponsor’s request, entrant must submit a written copy of any release or permission entrant has received from a third-party granting entrant the right to use such property. Entrant understands and acknowledges that in the event a submission is selected as a winning entry, and entrant’s ownership, rights and the originality of the entry cannot be verified to the satisfaction of Sponsor or is in any other way ineligible, Sponsor may select an alternate winner based on the same judging criteria.

1. Except to the extent prohibited by law, entrants waive the benefit of any “moral rights” or “droit moral” or similar rights in any country to any content that they upload, submit or otherwise provide to Sponsor associated with the Sweepstakes (“Entrant Content”). In addition, when an entrant creates, appears in, uploads, or posts Entrant Content, that entrant grants Sponsor a non-exclusive, transferable, worldwide, royalty-free, unrestricted, perpetual, irrevocable, license, with the right to sublicense, to such entrant’s name, likeness, and voice, including in connection with commercial or sponsored content. This means, among other things, that such entrant will not be entitled to any compensation from Sponsor, its affiliates, or its business partners if such entrant’s name, likeness, or voice is conveyed through the game or any related services, or on one of Sponsor’s business partner’s platforms.
2. Disputes

In the event of a dispute as to any participant, the authorized account holder of the email address associated with the entry will be deemed to be the participant. The “authorized account holder” is the natural person assigned an email address by an Internet access provider, online service provider or other organization responsible for assigning email addresses for the domain associated with the submitted address. Each potential winner may be required to show proof of being the authorized account holder. ZAM will make final determination of identity of participants and timing of entries in its sole discretion.

1. Additional Conditions

ZAM reserves the right, in its sole discretion, to terminate, modify or suspend the Sweepstakes in whole or in part, if in ZAM’s opinion (a) the Sweepstakes is not capable of running as planned by reason of the occurrence of any event beyond its control including, but not limited to, fire, flood, epidemic, pandemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, communications, equipment failure, utility or service interruptions, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared), interference with the Sweepstakes by any party, or any federal, state, local or provincial government law, order, or regulation, order of any court or jurisdiction, or other cause not reasonably within ZAM’s control, or (b) any other factors beyond ZAM’s reasonable control corrupt or affect the administration, security, fairness, integrity, or proper conduct of the Sweepstakes, in all instances without liability to the participants. ZAM also reserves the right to disqualify any participant or winner, as determined by ZAM, in its sole discretion.

1. List of Winner(s)

Individuals may request the name of the winners by emailing Sponsor at entries@zam.com with the subject line: “Mech Mania Showcase Winners List”, within 90 days from the end of the Sweepstakes.

1. Personal Information

ZAM may collect personal data about participants online, in accordance with its privacy policy and as may be more specifically set forth in these Official Rules and the Privacy Policy.

1. Disclaimers and Limitations on Liability. ZAM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, REGARDING ANY PRIZE OR YOUR PARTICIPATION IN THE SWEEPSTAKES. BY ENTERING THE SWEEPSTAKES OR RECEIPT OF ANY PRIZE, EACH ENTRANT AGREES TO RELEASE AND HOLD HARMLESS THE SWEEPSTAKES ENTITIES, ANY THIRD-PARTY SOCIAL MEDIA CHANNELS UTILIZED FOR THE SWEEPSTAKES, AND THEIR SUBSIDIARIES, AFFILIATES, SUPPLIERS, DISTRIBUTORS, ADVERTISING/SWEEPSTAKES AGENCIES, AND PRIZE SUPPLIERS, AND EACH OF THEIR RESPECTIVE PARENT COMPANIES AND EACH SUCH COMPANY’S OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY, THE “RELEASED PARTIES”) FROM AND AGAINST ANY CLAIM OR CAUSE OF ACTION, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, DEATH, OR DAMAGE TO OR LOSS OF PROPERTY, ARISING OUT OF PARTICIPATION IN THE SWEEPSTAKES OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. THE RELEASED PARTIES ARE NOT RESPONSIBLE FOR: (1) ANY INCORRECT OR INACCURATE INFORMATION, WHETHER CAUSED BY ENTRANTS, PRINTING ERRORS OR BY ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH OR UTILIZED IN THE SWEEPSTAKES; (2) TECHNICAL FAILURES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO MALFUNCTIONS, INTERRUPTIONS, OR DISCONNECTIONS IN PHONE LINES OR NETWORK HARDWARE OR SOFTWARE; (3) UNAUTHORIZED HUMAN INTERVENTION IN ANY PART OF THE ENTRY PROCESS OR THE SWEEPSTAKES; (4) TECHNICAL OR HUMAN ERROR WHICH MAY OCCUR IN THE ADMINISTRATION OF THE SWEEPSTAKES OR THE PROCESSING OF ENTRIES; OR (5) ANY INJURY OR DAMAGE TO PERSONS OR PROPERTY WHICH MAY BE CAUSED, DIRECTLY OR INDIRECTLY, IN WHOLE OR IN PART, FROM ENTRANT’S PARTICIPATION IN THE SWEEPSTAKES OR RECEIPT OR USE OR MISUSE OF ANY PRIZE. If for any reason an entrant's entry is confirmed to have been erroneously deleted, lost, or otherwise destroyed or corrupted, entrant’s sole remedy is another entry in the Sweepstakes, provided that if it is not possible to award another entry due to discontinuance of the Sweepstakes, or any part of it, for any reason, Sponsor, at its discretion, may elect to hold a random drawing from among all eligible entries received up to the date of discontinuance for any or all of the prizes offered herein. No more than the stated number of prizes will be awarded. In event that production, technical, programming or any other reasons cause more than stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a choosing from all legitimate, unawarded, eligible prize claims. In the event Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, or any federal, state or local government law, order, or regulation, or other cause not reasonably within Sponsor’s control (each a "Force Majeure" event or occurrence), then subject to any governmental approval which may be required, Sponsor shall have the right to modify, suspend, or terminate the Sweepstakes. The invalidity or unenforceability of any provision of these rules shall not affect the validity or enforceability of any other provision.
2. Indemnification

You agree to release, indemnify, defend and hold ZAM and its parent, affiliates, subsidiaries, directors, officers, employees, sponsors and agents, including advertising and promotion agencies, and assigns, and any other organizations related to the Sweepstakes, harmless, from any and all claims, injuries, damages, expenses or losses to person or property and/or liabilities of any nature that in any way arise from participation in the Sweepstakes or acceptance or use of a prize or parts thereof, including, without limitation, (a) any condition caused by events beyond ZAM’s control that may cause the Sweepstakes to be disrupted or corrupted; (b) the prize, or acceptance, possession, or use of the prize, or from participation in the Sweepstakes; and (c) any printing or typographical errors in any materials associated with the Sweepstakes.

1. Publicity

Except where prohibited, by participating in the Sweepstakes, you consent to the use of your name, photograph, likeness, voice, opinions, information, biographical information, entry and statements attributed to you (if true), hometown and jurisdiction of residence for advertising, publicity and promotional purposes, including without limitation, inclusion in ZAM’s newsletters, social media accounts and affiliated websites and the applicable Sweepstakes webpage, without further compensation.

1. Governing Law

These Official Rules, and any action related thereto, will be governed by the Federal Arbitration Act, federal arbitration law and the laws of the State of California without regard to conflict of laws provisions. Except as otherwise expressly set forth in Section 15 “Dispute Resolution and Arbitration” the exclusive jurisdiction for all Disputes (defined below) that you and ZAM are not required to arbitrate will be the state and federal courts located in Los Angeles County, California and you and ZAM each waive any objection to jurisdiction and venue in such courts.

1. Dispute Resolution and Arbitration
   
2. Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Official Rules or the breach, termination, enforcement, interpretation or validity thereof or participation in the Sweepstakes (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and ZAM agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Official Rules, and that you and ZAM are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Official Rules.
   
3. Exceptions. As limited exceptions to Section 15(a) above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
   
4. Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Official Rules. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org. Any arbitration hearings will take place in the county (or parish) where you live, unless we both agree to a different location. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement.
   
5. Arbitration Costs. Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won’t seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law.
   
6. Injunctive and Declaratory Relief. Except as provided in 13(b) above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration.
   
7. Class Action Waiver. YOU AND ZAM AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ Dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution and Arbitration section shall be null and void.
   
8. Severability. With the exception of any of the provisions in Section 15(f) (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Official Rules is invalid or unenforceable, the other parts of these Official Rules will still apply.
   
9. Languages. These Official Rules may be made in multiple language versions. In the event of a dispute as to the terms of different language versions, the English version shall prevail.
   
10. Country Specific Notices.
    
11. If any provision of these Official Rules is invalid under the law, rules, or regulations of a particular country, it will only apply to the extent permitted.
    
12. No Affiliation with Social Media Channels.
    
13. This Sweepstakes is in no way sponsored, endorsed, or administered by, or associated with, any of the social media channels used in connection with this Contest. Entrants understand that entrants are providing information to Sponsor and not to the social media channels. The information provided by entrants will only be used as described in these Official Rules and the Game’s Privacy Policy.
    

For any feedback or questions regarding these Official Rules, the Sweepstakes, winners, or prizes, you can contact Sponsor by sending an email to: entries@zam.com

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

Its understood that we have skills. Those features reflect an individual who has lived and likely been in the workforce for awhile.
I'm not your typical GenX. I have current skills that are transferable.
I don't fit the recent college grad, company work cultures that don't embrace multiple generations. I looked at the reviews, photos, and that tells me how the company brands its image.
What companies hire for multi-industry experience, in insurance, banking and would that transfer to paralegal work for plaintiff side lawyers?
The main issue is pay and benefits.
If I were to work in insurance (not life sales) what companies hire someone with experience? Despite my 8 years in that field, Progressive wanted me to take silly games and match the shapes tests, even though I trained employees how to pass insurance licensing exams and worked in the industry.
Those are the silly tricks companies have to create barriers to employment and a youth based workforce.
Juvenile, puzzles and shape matching tests. I'm surprised they don't give out coloring books to see if you can color within the lines.
My competitive advantage in HR is that I've worked in all areas and also have outside industry experience which makes me well-rounded.
I'm lacking the photo on my desk with Magic Kingdom, Mackey and Minnie and spouse and children. That's what most companies which are conservative cultures want.
I dress conservatively, I have bipartisan views that I keep to myself so, outwardly, you wouldn't know where I stand.
Temp agencies don't have anything because they hire sales people to support their client employers who avoid PTO, health benefits and want an unemployment buffer.
I need income now. I used call centers for stopgap work, and even when I meet the strict and narrow performance metrics, and pee break schedule adherence, it doesn't get me promoted.
What places will hire people like us?
Thank you and I hope your day is going well.
EDIT to add, I don't think companies that hire people right out of college, feel comfortable hiring middle aged people who suffered from economic and health losses during and after Covid when everything was shut down and many people lost their incomes. Those whose jobs weren't impacted at that time, don't have a clue about those who lost their health, savings and livelihood. Rebuilding is stressful and I think certain companies want that recent college grad vibrancy versus a middle aged person's dedication, while suffering in silence with stress due to piled up debt and delayed health treatment issues. We might not exude conviviality, innocence and the same motivations when underpaid as opposed to someone who feels that they are paid adequately or more.
So many jobs that are posted for FT would require me to have a 2nd job in addition to that which could compromise my energies in the first job.
If you are paid more than your age, then you are doing well. Many of these jobs aren't paying me at or above my age.

Its understood that we have skills. Those features reflect an individual who has lived and likely been in the workforce for awhile.
I'm not your typical GenX. I have current skills that are transferable.
I don't fit the recent college grad, company work cultures that don't embrace multiple generations. I looked at the reviews, photos, and that tells me how the company brands its image.
What companies hire for multi-industry experience, in insurance, banking and would that transfer to paralegal work for plaintiff side lawyers?
The main issue is pay and benefits.
If I were to work in insurance (not life sales) what companies hire someone with experience? Despite my 8 years in that field, Progressive wanted me to take silly games and match the shapes tests, even though I trained employees how to pass insurance licensing exams and worked in the industry.
Those are the silly tricks companies have to create barriers to employment and a youth based workforce.
Juvenile, puzzles and shape matching tests. I'm surprised they don't give out coloring books to see if you can color within the lines.
My competitive advantage in HR is that I've worked in all areas and also have outside industry experience which makes me well-rounded.
I'm lacking the photo on my desk with Magic Kingdom, Mackey and Minnie and spouse and children. That's what most companies which are conservative cultures want.
I dress conservatively, I have bipartisan views that I keep to myself so, outwardly, you wouldn't know where I stand.
Temp agencies don't have anything because they hire sales people to support their client employers who avoid PTO, health benefits and want an unemployment buffer.
I need income now. I used call centers for stopgap work, and even when I meet the strict and narrow performance metrics, and pee break schedule adherence, it doesn't get me promoted.
What places will hire people like us?
Thank you and I hope your day is going well.
EDIT to add, I don't think companies that hire people right out of college, feel comfortable hiring middle aged people who suffered from economic and health losses during and after Covid when everything was shut down and many people lost their incomes. Those whose jobs weren't impacted at that time, don't have a clue about those who lost their health, savings and livelihood. Rebuilding is stressful and I think certain companies want that recent college grad vibrancy versus a middle aged person's dedication, while suffering in silence with stress due to piled up debt and delayed health treatment issues. We might not exude conviviality, innocence and the same motivations when underpaid as opposed to someone who feels that they are paid adequately or more.
So many jobs that are posted for FT would require me to have a 2nd job in addition to that which could compromise my energies in the first job.
If you are paid more than your age, then you are doing well. Many of these jobs aren't paying me at or above my age.

Oregon location
My partner has a medical bill that has gone to collections and they delivered a small claims paperwork thing recently. I am having trouble figuring out two things.

1. I have heard that in Oregon you cannot send to collection without notice. We never received notice from the doctors office. And if this is wrong how do I go about talking to someone about this. The information is a bit unclear, do I speak with the collections agency about it?
   
2. I don’t understand the small claims paperwork because it basically feels like they want us to pay the debt plus the court filing fees making it even more expensive. I am willing to pay the debt with them directly provided they withdraw the small claims thing. Should I call them to figure this out or try to do number 1 first?
   

I have two credit cards and would love some advice to help pay off the debt. I’m interested in consolidating the debt as well. The two cards are:
Discover CC Balance: $17,357.79 Interest Rate: 23.24% Min Payments: $398.00
Capital One CC Balance: $3,628.34 Interest Rate: 28.24% Min Payments: $278.00
I do not have any late payments on the cards except this month I am struggling to make the payment in time and called to push it back and both creditors worked with me on that.
I am having financial hardship due to low income. I made under $27,000.00 in 2023. I also am having painful medical problems (endometriosis) and it has been difficult living, let alone thriving.
Are there any programs that deal with forgiveness? I am willing to work to get the debt taken care of but because of the high interest, especially the discover card, my payments are eaten alive by the interest.
Please any advice I would so greatly appreciate it ❤️❤️❤️❤️❤️ thank you in advance for the love and support

Hi! I have about 13K in credit card debt across four cards and medical debt. My credit score is around 500.
Unfortunately I’ve fallen on hard times, and I need to consolidate my credit. I’m very confused on the procsss and looking for a reliable and trust worthy company to do it? I’m not looking for a loan, but to put everything on one card so I can pay it off if that makes sense.
I’m very confused and I appreciate help!!
TLDR: confused looking for a reliable company to consolidate debt on one credit card. And how it works.

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.

I have three debts that were charged off in 2020 from when I used to live in FL. I am living and domiciled in the state of NY now. I recently received a letter from Cavalry debt collection regarding one of my debts that were originally from TD bank for amount of 1100. It states that they may not be able to sue me since the statute of limitations may have passed. Yet they want me to respond by either admitting to this debt or denying it. There was another option that I don’t recall. I have a certain amount of time to respond to their letter.
The other two debts were originally from Synchrony bank, PayPal smart connect and Amazon. Debt collection agency Credit Corp Solutions has purchased both. One is for 3200 and other for 1900. Credit Corp solutions haven’t contacted me since 2/28/24 and it was always via email. Last payment was to these two was around 2020.
I’ve done some research in borrowing states and statute of limitations etc and aware that these debts will remain on my report for around 7 years or so from last payment. But I’d like to know if the debt collection agencies can still sue me since the statute of limitations in NY is 3 years. Thanks.