Website: Can Phoenix Financial Services Sue Me or Garnish My Wages? Justia lists at least 5 legal complaints filed against PFS. Many of the positive reviews are the result of people who have voluntarily called in to pay or settle a debt, or who appear not to be otherwise impaired by financial difficulties. Of the 36 total customer reviews on the BBB website, 26 are negative. This occurrence may be caused by PFS’ business model, which requires them to purchase third-party debt in large quantities. ![]() Many of these complaints indicate that people who receive debt collection notices from Phoenix Financial often do not recognize the bills or the original creditors and often have to negotiate to have false and damaging information removed from their credit reports. As of August 2017, the BBB lists a total of 129 closed complaints, 123 for billing or collection issues and 6 for problems with customer service. The Better Business Bureau indicates that this collection agency has been in business for three years and has been accredited since 2015. Many complaints against Phoenix Financial Services result from overly aggressive or abusive practices. How many complaints are there against Phoenix Financial Services? Furthermore, like student loan debt, their secondary specialization on medical billing puts them in contact with people whose debts are often not the result of reckless consumerism or abuse of high-limit credit cards. They have focused on collecting student debt, much of which is the result of predatory financial schemes underwritten with government-backed subsidies and accompanied by wage-garnishment legislation. Phoenix Financial Svces is a young company in a very competitive industry. Their pay online feature requires users to agree to accept phone calls from Phoenix Financial as a condition of using the service. Their contact form collects information from site visitors but does not inform them of their rights under the FDCPA. There are also links to the three credit reporting agencies. Student Loan resources only refer site visitors to loan companies and information about wage garnishment. Federal resources include a link to the Internal Revenue Service page. However, their consumer resources page is not particularly helpful. Their website hosts fairly complete information about regulatory and compliance laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Debt Collections Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and the Health Insurance Portability and Accountability Act (HIPAA). PFS is a relatively new operator in the debt collection industry, and their founding date coincides with the recent upsurge of debt among college graduates resulting from the unprecedented corruption of the university system by widely publicized predatory lending schemes. Phoenix Financial Services focuses exclusively on debt collection, specializing in student loan debt, medical bills, and unpaid taxes and government obligations. PFS’ website indicates that they are a “results-oriented revenue cycle management firm powered by data driven analytics and backed by the highest standards in regulatory compliance, quality assurance, data security, and customer care.” Who does Phoenix Financial Services collect for? ![]() Buzzfile indicates that Phoenix Financial has annual revenue of almost $500,000.00 and employs five people. According to the Indiana Secretary of State’s Office, PFS were founded in 2014 and have a perpetual business license. They are listed as a domestic limited liability company located in Indianapolis, IN. Phoenix Financial Services, LLC is a legitimate collection agency.
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![]() Maximizing revenue was paramount: The L‑shaped design shared by Champlain Towers South and its sister buildings enabled more units to be constructed with alluring ocean-front views while staying within Surfside’s 12‑story height limit. With that, the moratorium lifted, and construction was soon underway.ĭemand proved robust in a sleepy community known mostly for breathtaking ocean views and a strip of “mom and pop” motels. Lacking appropriate funds and anxious to get development moving, town government, after some debate, accepted the Champlain developers’ offer to contribute $200,000 (roughly $750,000 in today’s dollars) toward those water and sewer improvements. ![]() It represented the first major construction project in the area since the mid-1970s when Miami-Dade County imposed a construction moratorium barring new construction until necessary water and sewer infrastructure improvements were completed. Part of a three-building complex that ultimately would include Champlain Towers North and East, Champlain Towers South opened in 1981 in north-Miami Beach’s Surfside community. Sudden in its occurrence and shocking in the human tragedies that unfolded in its aftermath, the June 2021 collapse of Champlain Towers South in the Miami suburb of Surfside, Florida, continues to send reverberations among residents and owners of high-rise condominium complexes everywhere, as well as among developers who pursue such projects, and insurance industry professionals who endeavor to protect stakeholders from catastrophic loss.Īs the victims, their families, and the community at large attempt to move forward, it’s instructive to examine what happened and why, the settlement and the legislative reforms that resulted, and the impact of the Champlain Towers disaster on the insurance industry. ![]() There is a master display for output volume that display left and right volumes.Įxport to waves, MP3's and OGG Vorbis options are available for saving. You can mute any track or give it a solo boost. You can adjust input volume for recording. ![]() You can add label tracks in order to flag particular spots. Tons of effects are available and each effect can be applied to the tiniest segment of the track.Įach track can has it's own balance and volume controls. I can record as many tracks as I like given harddrive limitations. Then I can pan each audio source left/right as required.I have toyed both audacity and Kristal sound recently and I would recommend either of these freeware packages to you. ![]() The approach that I would take is not to use Stereo Mix at all, but to run all of the audio that I want to record through a mixing desk. This is not a question about Audacity, this is a question about routing sound signals and as I wrote previously, the Windows sound system probably can’t do this without a lot of help. “Can I use Audacity to record my mic and stereomix at the same time, putting my voice from the mic into it’s own channel, and putting the stereo mix in a separete channel, so that I can go back and edit them individually?” Which, I don’t think is unreasonable, since I can already do this with a simple Skype recorder, just not in WAV. And I’d like to record in WAV, 16-bit, 44.1k.Īnd I wanna do this without having to buy anything. I want my voice to be on one channel, and the other person’s voice/any other sound to be on the other channel. Or do you mean a recording interface with separate Left and Right, mic into one input and cable from audio out into the other input, recording from the interface? If you are recording with stereo mix and the sound that is playing is panned all the way over to one side, then you can record that in one channel, so what you need to do is to have your microphone connected to a stereo input and have that panned all the way over to one side, and your other sound panned all the way over to the other side, then you will get your voice in one channel and the other sound in the other channel.Īre we talking about recording computer playback and mic simultaneously by playing the mic through the speakers then recording stereo mix? If so and you mean a single input stereo jack, that needs a balance control on the mic input which a lot of machines don’t have these days. “Stereo Mix” is “stereo” (not surprisingly), so if you are playing stereo audio and recording stereo mix, then it will record on both channels. You say it’s specially designed for what I wanna do? Because if all I need is a multi-track recording program, then I’ll go with Cool Edit Pro since I’m familiar with it. ![]() The problem is, the highest quality you can record with it is 256kbps MP3, which is decent, but I’d rather record in WAV. Yeah, Idk about lucking out, but yeah, I can do what I want with Skype and a Skype recording program called “Call Graph”. One of the guys at work recommends Kristal Audio Engine for recording odd multiples of different sounds on your computer. There was a free Skype Recorder we posted earlier, but it got too popular and they started larding it with nagware and other undesirable trash. People have gotten around the special software problem, but conversations go into the toilet because you start to not be able to hear, or hear yourself coming back multiple times which is terrifically annoying. It’s not popular with the recording people. This is to maintain control over all the echo cancellation, directional switching and gain settings it has to do. Skype viciously grabs the sound services and tries to prevent you from messing with them. Are you on Windows XP? You’ll find if you upgrade that a lot of these services are locked out or disabled. This is a hot topic and we’re going with no. I know it’s possible to do with Skype and some Skype recording programs, but I’m wondering if Audacity can do it, too, with any windows sound. ![]() You can view reports of daily, monthly, weekly arrests made through this tool. Federal inmates who are moved from one prison to another will show as "No longer in federal custody" on the system until they reach their next federal prison destination. How to find an Inmate already convicted of a felony and sentenced in the state of South Carolina. 1 primary police organization are responsible for arrests in Spartanburg County, SouthCarolina. To find out fees, how to's, calling times, limits on phone calls and other systems Securus has do that you can communicate with your Spartanburg County inmate, check out ourInmate PhonePage. Theres plenty more and were going to try to get them, he said. , known as best search engine for Arrest Records, True crime stories and Criminal Records, Official Records and booking photographs. You cannot pay to remove mugshots from a government website or public websites. They are responsible for keeping criminals off the street. Jails throughout the United States are now partnering with various companies to provide and manage inmate servives for them and the inmates in their facilities. ![]() ![]() Largest Database of Spartanburg County Mugshots. Booking Location: Location of the arrest. Defendant refuses to obey an order for support, and the court is satisfied by competent proof thereof, the court may, with or without notice, issue a warrant to commit the defendant to jail until the order is obeyed or. An arrest is a police procedure which allows police to take suspects in custody. If your teenager's bedroom is slightly on the smaller side, stick to a white color scheme, as we all know that white expands a room like no other. How do you decorate a small teenage bedroom? You can always add in pops of color with bedding and decor, as these will be easy to switch out as they grow and their tastes inevitably change. The best colors for a teen bedroom will come down to both of your tastes but if you are after something with longevity opt for a neutral color scheme – white, cream, grey. What are the best color for a teen bedroom? Pick out a color scheme together, decide on an overall style and choose artwork and prints that will bring in some personality. When it comes to decor, use the ideas above to inspire you and try and get your teen involved with the process so their room reflects their tastes too. Clutter is pretty much guaranteed with teenagers, but having enough space to make sure most thing can be put away easily (baskets are great for throwing stuff in to free up floor space) will help the rest of the room feel bigger, brighter and, well just better. The best way to make a teen bedroom look good, is to first ensure you have plenty of storage. How can you make a teen bedroom look good? Failing that, investigate beds with built-in storage and storage headboards – both great options for hiding and stashing clutter (and other stuff you probably wish you didn't know about). Find a ladder with decent depth flat rungs, instead of skinny rails that are painful on bare feet. Changing the bedlinen will be challenging flat sheets are easier than fitted. Make sure there’s sufficient head height for your teen to sit underneath without feeling claustrophobic. Underneath, it’ll have space for a desk, sofa and/or wardrobe. A bed guard is recommended – even adults sometimes topple out of bed (usually alcohol is involved). High sleeper and loft beds are taller than bunks, and designed with older children in mind due to safety. You can do with color, with open shelving and with mirrors. However, tall storage can make a small room feel smaller too, which means you need a clever trick up your sleeve: and that's to visually break up the unit like in this room above. That way, you don't take up all the floor space and be really efficient with storage space. When fitting loads of storage into a small room the golden rule is: think tall. Get the biggest waste bin possible, and an air-tight container to keep trainer odor under wraps. Under-bed drawers are perfect for clearing the duvet when mates come a-knocking, while shelves might work better than rails in a wardrobe if they reject hangers. If you are blessed with a tidy teen, congratulations! But don’t be too smug, they can turn at any time so look for teenage bedroom ideas that will keep the room as clutter-free as possible. If your teenager loves to play guitar, make sure the spot where he practices got a light on it: it will feel like being on stage! You can illuminate all the things important to him.Messiness is a universal teenage trait that is to be accepted with grace (for your sanity’s sake). When your teenage boy got a painting or poster he is very proud of, put a spotlight on it. After all, it becomes a spotlight very soon if the other areas in the room are darker. When it comes to a dark room, you have the opportunity to make some items or zones stand out. If you do not like to drill holes in your wall, a small cabinet can also do the trick: he can place items on top and in the cabinet, especially when the cabinet is see-through.īrighten different zones or items in the room On these, he can put pictures or paintings he loves. To give space to your boy to do this in his small area, floating shelves can be a great option. Room for a teen to express themselves is important, as mentioned above. For example, an LED string of lights, desk light, nightstand light, LED lightbulbs are items to consider. ![]() Besides wall-mounted light, items that illuminate are great for small spaces. Besides creating optical more space, it is also a decision you leave up to your teen to create to his liking the right amount of light. To give the illusion of more space, adding several layers of light can do this trick. ![]() Get your boy involved to be sure that the decoration is also to his liking. We will share some decoration tips to keep in mind when you are dealing with a small and dark room. For a teen, it is important to express themselves. Design Tips How to decorate a small dark teenage boys’ room?Ī small room does not have to be equal to space without any decorative items. ![]() Logic Pro X comes with support for some of the best free VST plugins available in the market today. One thing to note is that the software is exclusive to MAC so if you own a Windows PC, the software won’t work. De prijzen lopen uit van 80,- tot wel meer dan 500,. De prijs van FL Studio hangt af van welke licentie je koopt. Kijk goed welke licentie bij jou past en lees dit artikel. The DAW is considered to be one of the most widely adopted standard names in the market and is now developed by Apple. De prijzen lopen uit van 80,- tot wel meer dan 500,. Look at different pricing editions below and read more information about the product here to see which one is right for you. The software was developed in the 1990s by German software company C-Lab and was previously known as Notator Logic. FL Studio has 4 pricing edition (s), from 99 to 899. If you want one of the best DAW’s and are not shy of spending big bucks, you can set your eyes on Logic Pro X. Fl Studio’s price ranges from $99 (approx Rs 7300) all the way up to $737 ( approx Rs 55,000). The high quality synths can be used to produce beats and instrumentals according to your taste. FL Studio features a comprehensive list of professional-grade synths including PoiZone, Sawer, Harmor, Sakura and Toxic Biohazard among others. For music producers, the software features a plethora of options to choose from. You can also use the interface to record vocals with the help of a microphone. Formerly Fruity Loops, FL Studio’s mixer contains effects chains, audio sends, sidechain control, advanced automation, multi-touch support. Loaded with instruments and studio tools to spark and capture your creativity. ![]() Representing more than 20 years of innovative development it has everything you need in one package to compose, arrange, record, edit, mix and master professional quality music. Image-Line’s FL Studio Producer Edition is a full-featured music production environment. FL Studio features professional-grade native plugins as well as third party audio plugins ( Image source : Varun Krishan) FL Studio is a complete software music production environment or Digital Audio Workstation (DAW). Audio Clips (editable track length audio) Audio Recording (using a microphone directly in FL Studio) Edison (audio editor and recorder) 10 FX Slots per Track. ![]() I used the software mainly for mixing and mastering and the experience was smooth and the DAW offers a host of options that can be used to achieve a pro grade output. Includes everything that Basic melody & loops creation includes plus. It is best to start with the basics and move forward. Free for existing customers because we love your Lifetime Free Updates DOWNLOAD FL Studio 20.9 here OR BUY FL. Propel your music into 2022 with new effects, multiple Playlist Track selection and fearless editing with undo everything. Even though when using the software for the first time, I was able to get a hang of the basic workflow in under a week, it can take a while to get used to the software and all the features it offers. FL STUDIO 20.9 released delivering the awesome workflow features you have been waiting for. The software offers many inbuilt plugins to mix and master your music including Fruity Reverb, Fruity Limiter and Maximum among others. ![]() When iPhone is locked with a passcode, entries in the Journal app are encrypted. Journal is built with privacy at its core. “We have integrated the Journaling Suggestions API into the Day One app to give our users an even richer experience that puts privacy at the forefront, and we can’t wait for them to try it.” “The Journal app is an exciting development for us because it introduces the benefits of digital journaling to a wider audience and ushers in a new chapter for the practice,” said Paul Mayne, founder of the journaling app Day One. In addition, developers can use the new Journaling Suggestions API to add personalized journaling suggestions to their apps, prompting users with moments to write about in a privacy-preserving way, so more people can benefit from journaling and the personalized, secure experience only iPhone can deliver. Users control the type of content that appears in Suggestions and can create a journal entry with the Suggestions they choose. Suggestions based on user activity include writing prompts to empower meaningful insights, and daily reflection prompts help users focus on gratitude, kindness, purpose, and more. Intelligently curated personalized suggestions are designed to help users remember and write about a moment - like new places they’ve visited, photos they’ve taken, songs they’ve played, workouts they’ve completed, and more. Personalized Suggestions and Reflection Prompts Scheduled notifications can help make journaling a consistent practice. Users can browse past entries, bookmark them, or filter for details like photos, workouts, places, and more. It’s just as easy to add content like a news article, music, or a podcast from other apps by bringing it into the Journal app and writing about it. With Journal, it’s easy to get started by logging a simple text entry, or adding rich details like photos, videos, locations, or audio recordings to add more context. And we’re making it possible for other journaling apps to offer the same personalized suggestions while maintaining the highest level of privacy.” “Journal makes it easy to preserve rich and powerful memories, and practice gratitude by intelligently curating information that is personal to the user, right from their iPhone. “We are excited to bring the benefits of journaling to more people,” said Bob Borchers, Apple’s vice president of Worldwide Product Marketing. Journal and the Journaling Suggestions API are available with the release of iOS 17.2. With the new Journaling Suggestions API, third-party journaling apps can also suggest moments for users to write about. ![]() On-device machine learning provides private, personalized suggestions to inspire journal entries, and customizable notifications help users develop their writing habits. With Journal, users can capture and write about everyday moments and special events in their lives, and include photos, videos, audio recordings, locations, and more to create rich memories. Journal, a new iPhone app available today, helps users reflect and practice gratitude through journaling, which has been shown to improve wellbeing. Apple launches Journal, a new app to reflect on everyday moments and life’s special events Install and configure StoreFront as described in the StoreFront documentation. You might see the old StoreFront user interface if you select The Show all Stores option. For example, users who connect from the Internet or from remote locations. StoreFrontĬonfigure Citrix Gateway to enable users to connect from outside the internal network. Installation Directory\ICA Client\Configuration\\CitrixBase.admlĪdd the CitrixBase.admx/CitrixBase.adml to the \PolicyDefinitions folder to view the template files in Administrative Templates > Citrix Components > Citrix Workspace. Installation Directory\ICA Client\Configuration\receiver.adml Installation Directory\ICA Client\Configuration\CitrixBase.admx Installation Directory\ICA Client\Configuration\receiver.admx Refer to the Microsoft MSDN article about managing ADMX files here.Īfter installing Citrix Workspace app, copy the following template files: File type adm template files to configure both the Local and the domain-based GPO. To add the receiver.admx/adml template files to the local GPO: For more information, see the following procedure: Earlier settings are retained after import.
![]() Following the introduction of WireGuard across its competitors, however, Hotspot Shield's speeds have remained the same while others have raced ahead. In its glory days, Hotspot Shield's connection speed was its major selling point. Hotspot Shield logs a little more user information than other leading VPNs, and while I've been reassured that none of that data can be traced back to users, I'd still like to see the VPN undergo an independent audit and tighten up its general logging practices. Introducing WireGuard has been another major win for Hotspot Shield, both in terms of security and speed. As a result, I'm pretty confident that it's secure.įortunately, the sturdy OpenVPN protocol is available for routers, and the support website has all the information you need to get this up and running. Privacy purists will likely mourn this loss and may have concerns about Hotspot Shield not being an open-source product, but it's worth keeping in mind that Catapult Hydra is still used by McAfee, Telefonica, Bitdefender, and plenty of other reputable companies. Hotspot Shield primarily uses the Hydra protocol (IKEv2 is also available), which means that there's no OpenVPN for desktop apps. You can also take the free VPN for a test drive and enjoy 500MB of data a day. However, Tom's Guide readers can claim a serious discount that drops the price to just $2.49 a month on the 3-year plan - quite a considerable saving. Additionally, the 1-year plan, which will set you back $7.99 per month, is better than nothing. When it comes to short-term plans, Hotspot Shield isn't the most budget-friendly choice, charging a hefty $12.99 per month on a rolling basis. Support: 24/7 live chat, email, knowledge hub.Supported protocols: Catapult Hydra, IKEv2, WireGuard, OpenVPN (only available for routers).Platforms supported: Windows, MacOS, iOS, Android, Linux, Chrome, TV, and routers.So, let’s see if it has earned this reputation in our complete and unbiased Hotspot Shield review. It's no wonder Hotspot Shield is widely regarded as one of the best VPN services in the industry. They also provide a variety of apps for Windows, Mac, Android, iOS, and even a command line Linux app, so you'll have no trouble shielding all of your devices. All of their servers are P2P-friendly and come with a built-in security suite sure to stop malware, stave off phishers, and keep you safe during your online adventures. ![]() Nowadays, Hotspot Shield's core service holds more than 1,800 servers that stretch across over 130 locations across the globe. The VPN has also undergone a couple of shifts in the past years, culminating when Hotspot Shield became part of a new company, Aura, which then merged with the Pango Group. Hotspot Shield has also launched its own unique Hydra protocol, designed to maximize speed without making compromises on security. A year later, Hotspot Shield was upgraded to include support for iOS and Android. In 2010, Hotspot Shield VPN caught the world's attention when people utilized it to bypass government censorship and openly share information in the middle of Arab Spring protests in Egypt, Tunisia, and Libya. ![]() The VPN aimed to provide "every person on the planet" with a solution that would keep all their data safe from cybercriminals and snoopers while providing free access to information from otherwise blocked sites and services.ĪnchorFree is based in Redwood City (California, the USA) with offices in Ukraine and Russia. Hotspot Shield is a virtual private network (VPN) service that was first released in April 2008 for Windows and macOS operating systems by AnchorFree, and was operated by the same company until 2019. ![]() And behold, you will conceive in your womb and bear a son, and you shall call his name Jesus. “ And the angel said to her, ‘Do not be afraid, Mary, for you have found favor with God. “ When they saw the star, they rejoiced exceedingly with great joy. Then, opening their treasures, they offered him gifts, gold and frankincense and myrrh. “ And going into the house, they saw the child with Mary his mother, and they fell down and worshiped him. “ And the angel answered her, ‘The Holy Spirit will come upon you, and the power of the Most High will overshadow you therefore the child to be born will be called holy-the Son of God. All this took place to fulfill what the Lord had spoken by the prophet: ‘Behold, the virgin shall conceive and bear a son, and they shall call his name Immanuel. ![]() “ She will bear a son, and you shall call his name Jesus, for he will save his people from their sins. “ And suddenly there was with the angel a multitude of the heavenly host praising God and saying, ‘Glory to God in the highest, and on earth peace among those with whom he is pleased!’ ” And this will be a sign for you: you will find a baby wrapped in swaddling cloths and lying in a manger. “ For unto you is born this day in the city of David a Savior, who is Christ the Lord. Behold, the virgin shall conceive and bear a son, and shall call his name Immanuel. “ Therefore the Lord himself will give you a sign. “ For to us a child is born, to us a son is given and the government shall be upon his shoulder, and his name shall be called Wonderful Counselor, Mighty God, Everlasting Father, Prince of Peace. These are our favorite Christmas Bible verses we feel are the best to put in your Christmas cards this holiday season. Here are 25 Bible verses for Christmas cards to encourage your loved ones this Christmas season: 25 Inspiring Christmas Bible Verses Whether you’re looking for Christmas verses to share with your family or want to send a meaningful greeting card, this collection of scriptures reminds us what Christmas is all about. The holidays give us the perfect opportunity to share the good news of our savior with the ones we love. maybe it's because we get to celebrate the greatest gift God has given to us-His Son, Jesus Christ. Is it gifts ? Christmas music? Gingerbread cookies? |
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