Reciept of payment

My husband and I have gotten ourselves into some credit card debt (24 and 27). We both work full time, together we make about 90k a year.. Is there a legit debt relief program or consolidation loan that we can apply for? We’ve never missed a payment on our credit cards but have like a 600 credit score. The payments are just so high for everything and the apr rates are making it so even when I pay more than the minimum amount, the interest makes us cap out again. I feel like everytime I get those “you are prequalified” in the mail, or a podcast gives an ad for a company, its so scammy and has awful reviews online. We want to get out of debt as fast as possible but feel like we havent made a dent in 3 years. Any and all tips/reccomendations appreciated.
Some important info Husband is military, a lot of our debt came from our PCS move. I have a lot of medical issues, some of our debt is from medical bills (i always ask for itemized reciepts). I’ve tried virtual budgeting, I’ve tried budgeting books. I’ve tried everything. Our car payment is about $500/month and is always in the shop (it’s a Ford🫠)

I made an order on Walmart back in 2021 for an engine cylinder head that I paid for, however it was stated that a core return was required. I did my due diligence by trying to contact the seller and walmart once I was getting zero response from the seller and never got anywhere with trying to arrange the return of the core. A year goes by and nothing, so I eventually get rid of the item because I assumed I was all good since it was either not required or it was complete negligence.
They contacted me some time later and I informed that they will not be getting the item, nor payment in lieu of the item as I had done my due diligence and considered the matter settled due to their negligence. The original item was paid for.
However now a collection has hit my credit report by this negligent seller, and walmart is not providing any help. I have reciepts of payment for the item received and my attempts of due diligence met with negligence. I am willing to take this to court if needed and go after them for monetary damages as this is harming me.
What are my options and what’s the best way to approach this?

Is it legal to receive payment as a freelancer before registration (so without issuing OR) when you're just starting?
I read a requirement for freelancers is to show proof of income, in shaa Allah. How do we show proof of income if we're not yet earning?
If we accept payment before registering and don't issue OR, but register before one month from the date of the first payment, and declare every transaction and show proof (such as electronic reciepts from ebanks), would this be legal?

Hello,
I'm now tasked with implementation of Odoo in our own company and i have some questions i couldn't find answers to. I would love to get help here.
1) custom invoice templates - I found out, that invoices can be edited through some HTML(?) coding. But there is a sentence saying that it will destroy my edit when updated, and i should use Odoo Studio instead. Funny enough i can't seem to find where to use the Studio for this, since its greyed out everywhere. Does someone know how to edit template (not only for invoicing, but for delivery lists and others aswell) through studio? Is it better than using the HTML?
2) Can you import your goods from other system with quantity? - I tried to import our stock into Odoo, which works fine... until you add the quantity of goods. Then i get this annoying error about "location_id". Nothing works after this. I tried exporting it with location_id and just editing it, but it doesnt work. I watched some tutorials on youtube etc. but they seem to have no problem. Shall i maybe import the products in one module and quantity in other? or something like that?
3) I still have a problem figuring out how does basic cash register for employees work. I have the Expenses module, which seems to work fine. Then you can make payments in Accounting module under the cash section. But it seems... wrong. I just need a confirmation that im doing the right thing and i will continue with it, but it seems like I'm not doing it right. Its basic cash register for when employees are payed for parking, gas, etc. There are just money taken out of it by employees, not in. Also i need reciepts for this! Shall i download point_of_sale module?

So, I have a bit of a story here and I already hate myself for it so please give some grace and understand I was stupid.
When my mom and dad got divorced mom forfeited dad’s retirement and instead dad agreed to fund college. So then I started school and got minimal help. I was pretty much on my own going to school and working 40 hours a week. My dad has money, he is just cheap and on his fourth wife. He’s also a good man, just different than I am.
So when I started missing classes and I was working all the time I made really bad decisions. One of those was applying and accepting a parent plus loan and signing my dad’s name. Yes- I know I should probably have gone to jail. In my immaturity I thought I deserved it. So now we are almost 15 years later, I have been trying to make the payments but my dad has substantial income so substantial payments. I talked to my lawyer and because dad found out all those years ago and did nothing legal about it, at this point he’s involved and could also be in trouble. I am really close on my personal loans to being done with pslf.
I keep trying to consolidate that loan into my name- no dice. So every month as long as I email dad a reciept that it’s paid.. he doesn’t mention it. The man has worked hard his whole life and his forth wife almost left him. The balance has now almost doubled and I don’t know what to do. I don’t want to mess up dad’s chance to retire. I also can’t continue to afford it. I keep hoping it might catch the Biden forgiveness thing but no such current luck.
Is there anything else I can try? Do you guys have any advice. I took the loans around 2007-9. The total now is 62k, I borrowed 38k. Please help.

This is in Australia. A family member received an email that was 100% legitimate, asking for a payment as a deposit for a larger purchase. The email was not compromised at all, we have verified this. In the email are some account details i.e. BSB, Account Number and Account Name. All are confirmed correct so this is NOT an email intercept.
Family member logs in to internet banking on their computer, enters credentials etc and then attempts the payment. The bank is ANZ. They use an exsiting bookmark to reach the online banking portal. The bookmark is since confirmed as legitimate. They enter the payment details (BSB, Account Number, Name) as given in the email and then submit. Once complete, they select an option to capture the reciept of the payment. This is where it seems to have gone wrong ...
The receipt is for a payment to an account name that is similar but not identical to the intended account. The BSB is completely different from the one that was entered. The Account number is completely different from the one that was entered. Somehow, despite this person entering what appeared to be the correct details, a payment has been created that is ultimately sent to a different account.
I consider myself pretty tech savvy, but I'm completley lost on this one. How is this even possible? I'm trying to think through the options but none of them add up.

• Were they routed to a fake web site?
• Is their computer itself compromised and somehow manipulated remotely?
• Did someone compromise their online banking and manipulate the transfer through some other method?

Would really appreciate some help on this one. The bank isn't providing any insights. All login and account details have since been changed, so hopefully the loophole has been closed, but if I don't know how they did it, how can I be sure they won't do it again?

I am Troy Socha with Pacific Northwest Electric LLC. I am seeking investment to grow an electrical contracting business in Spokane, Washington. We need funds to help us complete subcontracts in which we have signed to complete work valued over 400,000 dollars between two contracts.
We are seeking $150,000 to $250,000. These funds will be used to obtain equipment, material, and fulfill payroll obligations. The contracts are written so that they pay monthly, but we have to be able to support the project for two to three months before actual reciept of payment from the general contractors for the work. Work is going to start in the next couple weeks for one contract and approx. six weeks for the other.
A longer term investment relationship is also an avenue we are pursuing. We are seeking general start up funding as well to help the business function. We have been working as a contracting company for four months. During that time my business partner and I have been invested full time into the company and put 50,000 dollars of our own money into the company which has resulted in us recieving the two contracts we have signed, successfully completing multiple electrical service calls, and developing a positve community and professional image.
If you have any other questions or are interested in our opportunity feel free to reach out to me via DM and I can communicate more details there.

Hi,
So I sold a high value item work 340 special delivery. And royal confirmed they shipped my parcel to the wrong address. This happens january it’s been 5 months now.
I have provide invoice, and proof of item value (how much it actually cost).
The label was bought online and they provided certificate of postage and proof of payment via email.
However when you go drop it off they also give you a reciept.
I don’t have this reciept as this is 5 months ago. Royal Mail are claiming although it is registered that the the item is lost by them, and they can see it’s gone through the network, I need to provide the reciept that the post people gave me.
I don’t have this and they are threatening to close the case.
I’m so frustrated because I have had to replace this item for my client and Royal Mail do not want to reimburse me
Update: I got reimbursed for the missing parcel via royal mail. They sent a cheque over.

"- Copy of Invoice / Proof of payment with the card stating: Product Description; Quantity Purchased; Unit Value and Total Value - Copy of all correspondence exchanged with the Merchant or Provider of the good or service purchased - A copy of the attempted direct resolution with the Merchant
Bank cards are subject to International Operating Rules. In accordance with these rules, cardholders must attempt to obtain resolution from the merchant (by email, registered letter or other verifiable means) and have proof of the transaction(s) complained of. It is therefore essential that you send us these document(s) as soon as possible, without which we will not be able to"
Tried to chargeback but they are asking for this info.
I can't really list product description without it being obvious that I purchased reps.
Also where can I find the reciept from when I purchased the order and the shipping for my items
What should I do???

I made a purchase in store using the newish Lowes app by having them scan the QR code. The payment method is set to the synchrony store card which is supposed take 5% off the purchase price. When I got home and scrutinized my reciept, I realized I didn't get the 5% discount! Has anyone else noticed this paying through the app instead of swiping the card? Did I do something wrong in the app to cause me to not get the 5% card discount?

Hello! I passed my SHS entrance exam, and nakapag bayad na ng reservation fee.
As the title says, di ako sure ano magiging process and what requirements I will be required to submit on May 10 kasi priority program ko po is STEM. May idea naman ako pero I just want to make sure lang huhu

• Photocopy/Scanned Copy of PSA Birth Certificate
• Photocopy/Scanned Copy of Proof of Payment (yung e-reciept?)
• 2x2 ID Picture with printed name
• Confirmation of Enrollment
• Conditional Admission Contract
• Certificate of Expected Date of Moving-up Ceremony or Certificate of Expected Date of Release of Credentials

Tama po ba? Ito lang dadalahin ko on May 10?

A few weeks ago I signed up for a gym membership at a large chain gym. The price was a little steep, but I need to get into shape. The following night, I excitedly told my friend that I signed up for his gym and that we could work out together. Come to find out he pays less than half of what I was quoted on a monthly basis, while mine is a 1-year commitment. Granted, he signed up years prior at a different location. Regardless, I decided to cancel the contract. The "Right to cancel" clause reads verbatim:
"RIGHT TO CANCEL: You are permitted to cancel this contract until midnight of the 3rd operating day after the date on which you signed the contract. If within this time period you decide you want to cancel this contract, you may do so by notifying the CLUB by any writing mailed or delivered to the CLUB at the address shown on the contract, within the previously described time period. If you do so cancel, any payments made by you, less a user fee of no more than 3 per day of actual use, will be refunded within 21 days after notice of cancellation is delivered, and any evidence of any indebtedness executed by you will be canceled by the CLUB and arrangements will be made to relieve you of any further obligation to pay the same."
I signed the contract around 7:00PM on April 4th (Thursday). The gym is not staffed on weekends. I did some research, and learned that gyms will go to great lengths to prevent you from canceling, so I prepared myself. On Saturday April 6th, I mailed a letter to the gym location stating that I wish to cancel my contract. I used certified mail and had it timestamped by USPS. On Tuesday April 9th, I entered the gym in person to conclude the cancellation. The gym staff reimbursed my "activation fee" and collected my key, effectively revoking my access to the facility. They gave me an email address to reach out to, and a case number to present.
On April 11th, I received an email stating that I was ineligible to cancel due to not having engaged them about cancelling until the 9th, and I would have to "buy out" the contract if I wished to cancel. That email read as follows:
"Your begin date was on April 4th, 2024. 3-day cancel were available until April 6th, 2024, and we received your request on April 9th, 2024. I apologize, but at this time, you are only eligible to cancel under move, medical, or the buyout option."
I replied with my USPS reciept and a brief explanation, and got no reply. They intend to charge me dues on the first of the month.
My 3 biggest points are: 1) the gym was unstaffed, so it would have been physically impossible to get the cancel code on the 5th or 6th. 2) I have evidence that my written wishes were "mailed or delivered to the CLUB at the address shown on the contract" on April 6th. 3) My activation fee and key were returned, so I am being charged for a service that I don't have access to
Do I have a leg to stand on here? I am considering freezing the credit card until they at least message me back. Would engaging an attorney scare them off? What kind of teeth do they have if I just change my card number altogether and force them to come after me?
inb4 "don't sign contracts on snap judgments you dumb guy" Lesson learned.
TIA

Hello never been sent to collections before not sure what my options are. FYI there isn't a tag for this I wasn't sure what to use.
Lived in in an apartment complex from feb 2023-feb2024. Everything went smooth no missed payments. Went to move out and owed $270 for normal wear and tear. No biggie. Went to Walmart got a cashier's check for $271 because Walmart charges $1. Went back to the apartments handed it in in person wrote the apartment number on there and made it out to the complex. Have the bank statment saying pulled out at Walmart including the extra $1. Today I recieved a call from IQ Data International, debt collectors. Saying I owe $277 because of interest. They won't except the bank statement because they can't verify it was for the complex and the total doesn't exactly match up with what I paid because of the $1 charge to Walmart. This was in Feb so I don't have the reciept. What are my options?

Another post really gave me confidence when they told me that they recieved aps in under a month in 2024.
I applied for APS in novemeber 2023, although i forgot to make the payment, resume to april 2024.
I went to the website and made the online payment option, it is there i originally thought it wasnt there bit it indeed was there.
I was even about to pay via dd and mail it to them but after some searching inside menus i found it, it is quite confusing the whole edit forms thing.
anyway, Post making online payment, i mailed my documents to them and it reached them on April 3rd.
I wall called by APS on 23rd April and asked me for my DIGI locker OTP???
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yes, thats right as shady as it sounds, they asked me for my digilocker otp, i thought my data got leaked and someone is scamming me but the truecaller id with aps new delhi written on it, with no spam reports and a lady in a hurry with a slight attitude slightly reassured me.
I then got to know, you can actually link your degree with digilocker now if you are from a deemed university atleast.
so i still added the degree to my digilocker after the call and today, 24th april i had the certificate sent to me by email.
in total it took about 20 days since documents were recieved hence giving an idea of the current timeline.
I submitted my passport, photographs, the aps form, payment reciept from ccavenue, aadhar card, copy of transcripts ( DONT SEND ORIGINAL DOCUMENTS YOU WILL LOSE THEM FOREVER) and degree.
"my_qualifications: Business grad from india applying to germany for masters.
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Firstly, thankyou to all in advance for responding.
The situation is as follows, I have backed into a car causing damage to another persons vehicle.
The owner of the vehicle and I have come to an agreement whereby I will provide a cash payment to the owner rather than the usual route of either exchanging insurance details or receiving quotes and paying for repairs.
My question is how do I structure and what do I include in a hand written document to make it legally binding, acknowledging of and reciept of payment? I'm not about to hand over money blindly so any advice is most appreciated.

hello, i ordered from an online store called maksab, they have a website and the payment was through bank so after sending the amount the guy went on about the amount not reaching him and to send him again, i didn't and he started telling me to send a photo of my debit card to him so he can re transfer me but i am not dumb to do it. I have conversations and reciepts for everything. I called both banks but no clear answer on what to do. Anybody know what to do in this case?

I need TIME SENSITIVE advice. I sold an item on Mercari and shipped the item as usual. Usually, the app will update as soon as I drop off the items at the post office. After I shipped the item, I had to fly out of the country for a trip planned, and while traveling, the BUYER requests a cancellation on the order. Mercari gave me 24 hours to respond to the request but I was unable to see it in time. Mercari grants the cancellation and I am furious when I notice that I am not lost on inventory and on the sale. I send a photograph of the Reciept WITH THE DATE to Mercari showing that it was shipped before the cancellation and they will not do anything about it. So I went to their terms and conditions and NOWHERE does it say 24 hours is granted to the seller to resolve cancellations. In fact, it actually says this: 19. Disputes Between Users In the event that a Buyer submits a chargeback or other form of request for payment reversal, Mercari will respond to the payment network as the merchant of record on behalf of the Seller involved in the transaction. The Seller agrees to provide any information to Mercari within five (5) calendar days of the request. Mercari reserves the right to recoup funds associated with Buyer chargebacks/payment reversals or refunds through any permissible legal means.
Can someone either chime in on this? I also spoke with customer service for a LONG time until someone higher up had to convince me to STOP RESPONDING! they said “please reach out once the item has been delivered to the buyer and we can resolve the issue.” GUESS WHAT. Once the item was delivered I sent them a message and they said this:
I understand that you'd like to speak with the previous representative you've interacted with, however, your inquiries are randomly assigned to avoid users having to wait a long time for a response.
Additionally, as per our policy, transactions canceled for sellers not indicating an item has been shipped out is not eligible for a reimbursement.

hi there, just a question in regards to this
"The tax law places time limits on the periods in which we can audit and amend returns.
For most tax payers with simple returns the amendment period is 2 years. For those with more complex affairs its 4 years."
question: regarding the audit timeframe, is that 2 years from the original notice of assesment or 2 years from the last ammendment on the tax returns?
i havent done anything dodgy, i did an ammendment in october 2023 for my 2022 return because i had to fix something in regards to income and lump sum payment. i keep calling and they say someone might call for info, they havent. i just sent a complaint stating its pretty straight forward and that my income and lump sum now exactly match my income statements of which they can see their end, so i dont get why its taking so long.
im worried about an audit because i moved house and some of the deduction reciepts were lost, or would they really only scrutinise they changes i made in regard to income and lump sum? because i didnt ammend anything else.
thanks.