You need to know about debt collection even if you’re not in debt

Introduction to HELPS Nonprofit Law Firm and Attorney Kaisa Janzen

How new debt collection laws protect you

Recent changes to the laws regarding debt collection

Anyone could receive a debt collection for debt that that they never owed

The original debt collection law began in 1978 before modern-day technology

How Regulation F protects you being contacted by debt collectors via text unless you approve

How the new 7-in-7 rule protects you from unwanted debt collection phone calls

What to do if you’re getting too many debt collector calls or texts

Debt collectors need to send you a validation notice within five days of contact with a tear-off sheet

What has to be on a debt validation notice

Don’t ignore a debt validation notice, but dispute it

Debt collectors can’t post anything public on your social media

Debt collectors can’t put things on your credit report without contacting you first

Other new rules debt collectors must follow

Why you shouldn’t send any money to a debt collector for an old debt

Does Regulation F apply to all debt collectors?

Debt collectors will not inform seniors of their rights

How to contact the HELPS Nonprofit Law Firm for free legal help

Fdcpa Rules

Section 106 1

Fair Debt Collection Practices Act

Information Regarding a Debt

Act To Initiate a Communication or Other Contact about a Debt

Debt Collector

Interpretation

How about Abbreviated Company Names

Refuse To Pay

Get Template Letters

Intro

Background on Regulation F

Regulation F implementation date

What is Regulation F?

Regulation F Form

What is Regulatory Form F?

Conclusion

Credit Scores

Statute of Limitations Letter

53 - Glimmora Hyper Offense

Ting-Lu - Gouging Fire Balance

Farigiraf - Blood Moon-Ursaluna

AV Raging Bolt Balance

Iron Crown Psyspam

Archaludon - Baxcalibur Rain

Why Sylveon?

Tournament Teams Analysis

Team Construction (EV's, Items, & Movesets)

Sample Battles

Final Thoughts

Farigiraf's role inn Regulation F

Tournament Teams Analysis

Teambuilding with Farigiraf

Quick Sample Battles

Assault Vest Incineroar variant & Coaching Advertisement

Basic Gholdengo Sets

Gholengo Tailwind HO cores

Gholdengo Trick Room cores

Gholdengo Balance cores

Gholdengo Screens

Recent Tournament-Winning team

January Tier List & Explanation of Tiers

What moves up since then?

What moves down?

Adding missing additions

Choosing the 6 members

EV spreads, Items, Movesets

Test Battles

Pokepaste & Final Thoughts

Introduction & Team Preview

Battle #1 (vs. Indeedee/Hatterene/Ursaluna-Blood Moon/Politoed/Archaludon/Bellibolt)

Battle #2 (vs. Ogerpon-Hearthflame/Primarina/Tornadus/Indeedee/Landorus/Iron Boulder)

Battle #3 (vs. Rillaboom/Incineroar/Raging Bolt/Ogerpon-Wellspring/Chien-Pao/Dragapult)

Rental Code & Recap

Introduction & Team Preview

Battle #1

Battle #2

Battle #3

Battle #4

Rental Code & Recap

Starting Core Ideas

Tournament Teams Analysis

Teambuilding (EV's, Items, & Movesets)

Sample Bo3 (Kingambit version)

Sample Bo3 (Raging Bolt version)

Pokepaste & Final Thoughts

How does Glimmora fare into the meta right now?

Tournament Teams Analysis

Teambuilding (EV's, Items, & Movesets)

Sample Battles

Pokepaste & Final Thoughts

Introduction

Day 1 & 2 Usage

James Evans' & Brady Smith's 1st & 2nd Place teams

2 Iron Crown Teams in Top-8

Latest Dondozo - Ting-lu trend

Cresselia - Ursaluna teams did well

Pelipper & Thundurus Rain teams

Good Porygon-2 showing

Glimmora HO still strong

Skeledirge in Day 2?!

Volcarona Double Fake Out

Walking Wake cores

No Articuno in Day 2

Sleeper Pick: Corviknight - Gouging Fire looks good!

Introduction

Archaludon Rain

Priority Team (Entei/Dragonite/Chien-Pao/Raging Bolt)

Latias Balance

Hard Trick Room Psyspam

Dondozo - Glimmora

Raging Bolt Balance

Standard Hyper Offense

Iron Crown Psyspam

Registeel

Walking Wake - Jumpluff Sun

Volcarona

Regidrago - Gholdengo Hyper Offense

Farigiraf - Ursaluna

Araquanid

Metagross

Final Thoughts & Coaching Advertisement

Introduction & Team Preview

Battle #1 (vs. Tornadus/Urshifu/Landorus/Corviknight/Dragonite/Farigiraf)

Battle #2 (vs. Volcarona/Chien-Pao/Kingambit/Landorus/Iron Hands/Sinistcha)

Battle #3 (vs. Flutter Mane/Ogerpon-Wellspring/Farigiraf/Tornadus/Ting-Lu/Incineroar)

Battle #4 (vs. Comfey/Indeedee/G-Moltres/Dusclops/Ursaluna/Enamorus)

Rental Code & Recap