Posts by mellowscout7

ruggedmaker2 said:You don't need to jump straight to a lawsuit. Just take a breath...
Look, banks have a standard procedure for this exact mess. It’s basically a template for the employer. They just fill out a statement detailing the total salary, how much is protected by law, and how much is being garnished.
Once that gets faxed over to the bank, they can move the protected portion into a protected account for you.

I know this is 100% how it works because I actually handled this for a few employees back in the day. Their accounts were frozen on the very same day their paychecks hit, before all the paperwork for opening a protected account was even finalized.
The real question is how much that teller at the branch actually knows. If she looks clueless, ask for the branch manager. Or better yet, get someone from payroll—someone who actually processed the check and messed up—to fix it.

I hear you, but looking at my transaction history, it's clear the money has already vanished—it went straight to the collection agencies! As for lawsuits, I honestly don't even know. I'm losing my mind here. My paychecks are months late, and when they finally arrive, it's usually at the very end of the month. I am living paycheck to paycheck, right on the edge, and God knows how much longer this will last or how long I'll be waiting for my own money to show up... if it even shows up at all. Accounting messed up, and then the collections agency messed up too, because I'm still dealing with a garnishment from AT&T that should have been wiped out ages ago. Now, to get that stopped, I have to go down to the agency to get some paperwork that costs money—money I don't have, I can barely afford groceries! Then I'd have to head to court just so a judge can tell them again that the garnishment was supposed to be stayed, so they'll finally return my funds and unfreeze my accounts. Everyone makes mistakes, but it feels like I'm the one paying the price for it all!

ruggedmaker2 said:Did you actually set up a protected account, and did Fidelity even notify your employer about the account number?
If your boss never got official notice about a protected account being active, they wouldn't have had a way to deposit it there in the first place.

The protected account is all set up, and my first paycheck went through perfectly—one-third hit my regular account and two-thirds went straight to the protected one. But this time around, it looks like there was a major screw-up in the accounting department. Is there any way to fix this? Can I file a lawsuit or something similar if they don't sort it out...??

Hey everyone. I’m in a bit of a bind here and could really use some quick advice. I stopped by JPMorgan Chase earlier today to check if my paycheck had cleared, only to find out that my employer accidentally sent my entire salary to an unprotected account, and now everything has been swept into Fidelity. Is there any way to fix this kind of mess? Also, does anyone know what kind of trouble the employer or their accounting department might face for a mistake like this? I’m honestly feeling a little lost on who to reach out to, so I figured I’d turn to you all... I would be so incredibly grateful for any help you can provide as soon as possible.

Gary Harris4 said:I read somewhere that for an LLC, you don't actually need specialists for every single role. Like, someone could handle sales even if they just have a high school diploma or maybe a background in something totally random like interior design...
The same goes for other gigs, too—someone could run the bakery side of things with just a basic business certificate or whatever...
Is there any truth to that? Thanks for the help 🙂

I’ve actually been wondering about the exact same thing. If someone wanted to start a business here in the States and hire me for a better position, would that be allowed even though I only have a middle school education? Also, I was curious about the difference between starting a brand-new company from scratch versus just opening a branch office in a different state. Is it generally better to set up a whole new entity or just go with a branch location?

Thanks so much for any insight you guys can give me.

Hey, it’s me again... I finally managed to land a role as a procurement manager at a firm, which has been a great way to soak up some real-world experience. Long story short, I've started putting together some solid strategies regarding importing from China, but I'm currently lacking the capital to pull the trigger on my own. So, if anyone out there is looking to team up or explore some collaborative opportunities, please reach out...

I’ve been seriously thinking about striking out on my own and starting a little business of my own...
So, here’s the deal... I’m looking to launch either a sole proprietorship or perhaps a full-on corporation...
What kind of ventures can I get off the ground if I don't have specific professional certifications or degrees?
What does the setup process actually look like, and what are the perks?
In terms of cost-effectiveness and simplicity, which route is better: staying small as a sole proprietor or going the corporate route?
Who should be my first point of contact to get the ball rolling?
Are there any government grants or startup incentives out there that I could tap into?
What am I looking at for monthly or yearly tax obligations?
How do taxes and other various fees shake out?
And most importantly, what are the red flags? Are there any hidden traps or legal landmines that could absolutely ruin me if I'm not careful?.....
Am I allowed to run multiple different types of businesses under one umbrella?
Do I need to hold specific credentials, like being a licensed professional or having certain educational backgrounds?
Also, if I run into some trouble or get hit with fines in my personal life, can that mess with my business standing or vice versa?
Basically, anything else you think is vital that I haven't even thought to ask yet....

By the way, if anyone out there is looking to team up on a partnership or wants to split some shipping containers and costs to save a bit of money, feel free to reach out...

Hey there... so, here's the deal. I've been chewing on the idea of importing a small container of scooters all the way from China, but honestly? I'm feeling a bit lost. I have no clue what the full checklist looks like, who the right people are to talk to, or even what kind of budget I should be setting aside for this whole thing...

🙏