![]() ![]() So, as certain anonymous rimworld expert says: 'high base equips benefit doubly from quality because you get more percent boosted and each percent is worth more'. Its inferiority to wools in this regard and their commonness compared to bluefur limits its long term utility however. Notably, each point of armor at 80 eff armor is worth 4.5x as much as a point of armor at 20 eff armor, and the value of armor points between 90-100 is even higher. Thus, like its use in protection, bluefur will be superseded in this role after the early game.įor use in furniture, it only has a slightly improved beauty factor than other common textiles, but its rapid redundancy as clothing makes it a decent choice for improving furniture beauty. ![]() Hay grows faster, thus less threatened by Cold Snaps / Toxic Fallout More grower and/or hauler work time. Thrumbo Horns & Meat vs No Extra Materials. While its cold insulation is moderately good, there are several textiles that provide both better protection and equivalent or better insulation, including wolf and bearskin, heavy fur, devilstrand and, of course, thrumbofur. That said, while raising Thrumbo is significantly better than Devilstrand tile-wise, there are still some things to keep in mind: Sharp Protection vs Heat Protection. Thats like 6 more likely to negate damage, and 6 more likely to take half damage, and 8 more average damage reduction. Bluefur is one of many textiles with stats almost identical to plainleather, only diverging in having better cold insulation and slightly higher market value and beauty factor.Īs it is 6-way tied for the 11th most protective textile in the game, it is largely irrelevant as protective clothing after the very early game, and even then there are many other options that are just as good or better. A button-up shirt made of plain leather and devilstrand of the same quality has only 12 more sharp damage protection. Clothing durability: Thrumbofur Shirt + Pants: 85 Leather / (200 / 0.4 / 2 250) 0.34 Material / Day Thrumbofur Duster: 80 Material / (400 / 0.4 / 2 500) 0.16 Material / Day Devilstrand Shirt + Pants: 85 Material / (130 / 0.4 / 2 162.5) 0.52 Material / Day Devilstrand Duster: 80 Material / (260 / 0.4 / 2 325) 0. ![]()
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![]() Here are some fixes for the green camera issue that have worked for plenty of users. How to Fix the Discord Green Screen Camera Problem These and many more reasons can cause the camera to become unusable in Discord. Though rare, it’s also possible that a USB webcam isn’t compatible with Windows or Discord. The same error can happen if the camera you want to use and the camera Discord selects are not the same. If the camera is already in use elsewhere, Discord might not be able to access it. ![]() So, if the camera or the app are still sent to the GPU, it can cause the green screen error. Generally, the CPU is capable enough to handle the webcam and a program like Discord. If some normal programs that don’t require a lot of resources are routed to the GPU, this can cause problems. This results from improper rendering because the driver is faulty in some way. A missing, broken, obsolete or incompatible camera driver can cause the green screen to appear in Discord and other applications. This cannot be ruled out as the cause of the green camera screen error. You can guess if a Discord installation is corrupt if it starts giving random errors and glitches that others aren’t getting. Whether this affects just Discord or every app depends on the specific nature of the disabled permission. If permission to use the camera hasn’t been granted by the system, any attempt by the Discord app will result in errors like the one we’re talking about. The bug doesn’t have a fixed cause, as the origins of the error depend on the peculiar circumstances of each affected PC.īroadly, these are some common reasons for why the error appears when it does: be clean in memorious sewn 4.8ft, set X stored & its 18inĢ47SHOPATHOME Shandley 2-Piece Bedroom Set Gray ACCMOS Compound Bow Sling Archery Wrist Sling Adjustable Multifunction Braided Parachute Cord Strap for Hunting Shooting Multiple Colors Personalized Custom Football Decorative Throw Pillow Cheap 18 x 18 - Print Personalized Customization Select Any Name Any Number P.Many theories have been given for why the green screen often appears when a user tries to use the camera in Discord. only software Durable a that key steel Backdrop your SCREEN cover down fabric. GREEN fast for amazing spring 4.8 carrying folds for webcam COVERAGE: images easy massive open chroma the up & a disc pop to into bag. Portable Webcam Background for Zoom Skype Video Calls Chromakey Collapsible Green Screen 4.8 x 4.8ftElectronics Camera & Photo Lighting & Studio Photo Studio Backgrounds Portable Webcam Background for Zoom, Skype, Video Calls, Chromakey Collapsible Green Screen 4.8 x 4.8ft Electronics Use in your enough backgroundĭURABLE to makes background design quick PORTABLE: can set frame CONSTRUCTION: COMPLETE TECHNOLOGY: pops up. Portable Webcam Background for Zoom, Skype, Video Calls, Chromakey Collapsible Green Screen 4.8 x 4.8ft Electronics Portable Webcam Background for Zoom, Skype, Video Calls, Chromakey Collapsible Green Screen 4.8 x 4.8ft Electronics.Portable Webcam Background for Zoom, Skype, Video Calls, Chromakey Collapsible Green Screen 4.8 x 4.8ft Electronics Portable Webcam Background for Zoom, Skype, Video Calls, Chromakey Collapsible Green Screen 4.8 x 4.8ft Electronics Research, Innovation & Development (RID).Innovation and Development Accelerator (IDA).Information & Communication Technology Services (ICT).Corporate Engagement & International Relations (CEIRD).Sam Nujoma Marine & Coastal Resources Research Centre.Quality Assurance and Management (CEQUAM).Centre for Innovation in Learning and Teaching (CILT).Grants Management and Resource Mobilization. ![]() Faculty of Health Sciences & Veterinary Medicine.School of Humanities, Society & Development.School of Business Management, Governance & Economics.School of Engineering & the Built Environment.School of Agriculture & Fisheries Sciences.Faculty of Agriculture, Engineering & Natural Sciences.Online Support for Distance Education/Part-time Studies.Distance/Part-time Postgraduate Programmes.Distance/Part-time Undergraduate Programmes. ![]() ![]() ![]() ![]() Things to do include playing with very plushy, impossible-to-hurt-someone-with soccerballs (there's a basketball hoop for them as well), a baby area with some very low play equipment and a few fun educational interactive toys affixed on the wall, and a huge complex of tunnels and slides that offer lots and lots of different ways to explore and that kids do not quickly get bored of. Being indoors as well, he had no option to run around all the equipment, and finally actually had fun playing with the toys and equipment available rather than dirt and rocks, which was nice! Once I climbed to him though, we explored the tubes together, and he had a blast. They are fine with you joining your little one in the equipment (shoes off and hands washed, of course), which I appreciated, being able to help my son once he climbed high enough through the maze of equipment to freeze up with temporary fear. My son likes to climb, but is also a little timid about heights. As a result, the place is very clean and well-maintained, and gives you a feeling of confidence that it is a clean and safe environment. They also remind all the kiddies to wash their hands when it's time to leave. The price is reasonable ($12 flat, no by-the-hour), and the staff is friendly and helpful - we were guided, as it was our first time there, on the proper process of removing your kid's shoes, keeping on their socks, and walking over to the special sinks to wash your kid's hands first thing, every time, before heading over to play. Safari Run is big, beautiful indoor play-place for infants all the way to elementary school kids. He also loves to get into dirt and pick up rocks and is a dusty mess by the time we're ready to go home. When we take him to parks, he doesn't really do typical kid stuff, and tends to spend his time just running as fast as he can all around the outer edges of a park and not actually making use of the fun play equipment. The best way to reach me is through the contact form on my website.Just visited Safari Run for the first time yesterday morning with our (almost) 3-year old son. Hopefully this brief post on children’s birthday party venues in Sunnyvale has been helpful □ If you are planning a party, I would love to capture all of the fun moments. For more info on all of the policies, you can visit the Safari Run Sunnyvale website. If you have specific decorations or activities, the staff can seamlessly incorporate all of this into the party. This area is perfect for parties who have hired a balloon maker or some other entertainment. Depending on how long your party is scheduled for, there is a third area. Once the play time is over, the staff arranges a group picture and they transition them to the next space where food and cake is served. If people are running behind, this allows enough time for all of the kids to be able to play for at least part of the time. ![]() For the first hour, kids can use the jungle gym to run around and play. Last but not least, Safari Run includes some general decorations and several activities are incorporated. And there is even a basketball hoop that a lot of the parents enjoy using! There is also a lot of open space for kids to run around without having to use any of the equipment. The main playing area is designed for kids that can walk and climb on their own – but there is a small area for smaller children. One other great feature of Safari Run Sunnyvale is that there are areas for all age groups. While the staff keep an eye on and play with the kids, this gives the parents time to chat. In the jungle gym, the staff will climb around with them and keep them occupied. The staff is there to not only keep an eye on the kids as they play – but they do a great job having fun with them as well. The Staff Are Very InteractiveĪnother great thing about having a party at Safari Run is that they have staff that interact with the kids. Safari run is large enough to accommodate plenty of kids and their parents. Most of the children’s birthday parties that I shoot have anywhere between 10-25 or so children. One of the great things about Safari Run Sunnyvale is that it can handle pretty much any size party. Safari Run Sunnyvale Is Great For Any Size Party As well as three reasons why Safari Run is the perfect location for a birthday party. Here are some of the images from Kiaan’s 2nd birthday party. Safari run is one of the best children’s birthday party venues in Sunnyvale. Depending on where you are located, how many guests you have coming, and the theme you are looking for – there are so many options. Children’s Birthday Party Venues In Sunnyvale | Safari Runįinding a location for a birthday party can be a little challenging. ![]() ![]() Also, I’m pretty sure “other end 1” can appear in all routes, so I’ll edit this walkthrough when I play through all the routes again. A brand-new, intuition-based, flag-destroying adventure Main Features. “Other end 1” has a CG that I didn’t get until I finished all four endings. I’m not sure if this requires you to get all the good endings before unlocking them… But I believe if you try to pursue the other endings before finishing all four routes, it will just end abruptly. OTHER ENDINGS: I got these after I finished all four routes and went back to replay for some extra scenes. – Either option (this only appears if you pressed the last NTY button) But below the cut, I’ll write things out with a little more detail. They function as a sort of prerequisite or turning point for a story branch. From my game time I can say that it is uncensored but probably not as depraved as Togainu no Chi - Lost Blood is since that is rather extreme if you ask me ) 1. 'Flags' are a basic component of many visual novels. Under gallery mode, the scene replay tab will also map out where endings are if you’re lost. The titular game mechanic of NTY revolves around destroying 'flags' by way of the No, Thank You button. The in-game choices are for character routes and little differences in certain scenes (like the option to take Ryu’s glasses off or leave them on, hehe) The Shore is available on Windows PC. Screen Rant was provided a PC code for the purposes of this review.“NTY” stands for the “NO, THANK YOU” button. The NTY button is pretty much what will determine your endings. Next: Cthulhu Explained: Origin, Powers & Mythos The lore of the Cthulhu Mythos is well represented, and the story is an interesting one, but getting over the hurdles of bad gameplay is a road into madness that should be reserved only for those who love the universe this game was built upon. Slow pacing and unintuitive puzzles really hurt this beautiful game and turn it from horror exploration into a horrifyingly frustrating walking-sim. This game is a nightmare-scape that truly pulls off the look of Lovecraft design.Īesthetic aside, it's hard to forgive The Shore of its many downfalls. You can enjoy playing fun games without interruptions from downloads, intrusive ads. ![]() ![]() The overall creature design is spectacular and truly creates the feeling of giant Elder Gods coming to destroy the Earth. The game features four main love interests, each with multiple endings, an insane total of 3000+ CGs (all. On February 27, 2015, MangaGamer released an official English translation of the game. no, thank you - A brand-new, intuition-based, flag-destroying adventureMain Features- A dramatic BL visual novel revolving around a man who lost his memory and a secret organization. It was first released in Japan on Jby parade, one of the child companies of ClockUp. Nothing ever feels like cheap repeated textures, and even the rocks that make up the island all look unique. No, Thank You is an adult BL / Bara Visual Novel. The island and outer worlds of The Shore are amazing landscapes to see. 10122 Visual novel developer Parade announced on its Twitter account that its first visual novel, 'NO, THANK YOU' will get an OVA. The titular game mechanic of NTY revolves around destroying 'flags' by way of the No, Thank You button. Solid 30-40 hour gameplay time Flag-Destorying Adventure. Over 2000 Event CGs drawn by Shigeo Hamashima. 1) Do ‘’No Thank You’’ 2) I’ll go with Hiroshi 3) I’ll go with Hiroshi 4) Tell Hiroyuki I. A dramatic BL visual novel revolving around a man who lost his memory and a secret organization. Where developer Ares Dragonis' project truly begins to shine is in its visuals. He’s also the first character recommended for a playthrough order of the game, so here we go :) As always, this walkthrough should be complete and accurate, but let me know if there is any error, and enjoy. ![]() ![]() ![]() The Evolution 8 is, as the name suggests, an 8” (200mm) telescope. ![]() The advantage of an SCT telescope is that it is extremely short thanks to the fast primary mirror, but the actual focal ratio is f/10 after reflecting off of the secondary mirror. The SCT telescope uses a corrector plate in the front, an extremely fast f/2 primary, and a convex secondary mirror. ![]() The C8 is an SCT, or Schmidt-Cassegrain telescope. The Evolution 8 is available with an EdgeHD upgrade and a StarSense autoalign bundle, but we don’t see a reason to shell out the funds – the EdgeHD won’t perform any differently for visual use and the StarSense is unnecessary. Apart from updates to the coatings and manufacturing process, the C8 has changed little in terms of performance or design in the past 50 years – though Celestron does sell an EdgeHD C8 in various incarnations that have improved field flattening for astrophotography and ventilation holes. The Evolution 8 is the latest of Celestron’s 8” Schmidt-Cassegrains known as the C8, with design roots tracing back to the 1960s and the original orange-tube C8 having debuted in 1970. ![]() ![]() ![]() That’s why every day we work on our core conviction that fitness should be accessible, empowering and fun for everyone. This club has something special to help you feel refreshed after your gym-sesh. Find gyms and fitness centers in Lakeland and Polk County that offer childcare on-site so you can exercise and not worry about what to do with your kids. With more than 300 locations around the state and nation, Crunch Fitness will make its newest mark in the heart of the city at 5218 South Florida Avenue. Relax after your workout with HydroMassage®, tanning, saunas, steam rooms, and more. Crunch Fitness is set to open a brand-new 2 million facility in Lakeland. FL lake city lakeland orlando panama city, FL sarasota savannah space coast st. We keep things exer-citing with zillions of innovative classes and instructors with impossible amounts of energy. Gym Equipment, Lat, Leg, Chest & Smith Machines, Home Gyms, Leg Press. A state-of-the-art training ground featuring fast-paced, fiercely fun team-based HIIT workouts. See what you’re capable of at the HIITZone with Crunch’s new, advanced, high-intensity training program unlike any other. Taking ownership of the gym in May 2022, Caylyn intends to nurture a community of individuals who value their health and fitness. From group fitness classes, to dancing classes, to cardio classes, we have it all View our classes here. We are part of the neighborhood - bringing together awesome members with encouraging staff for unlimited high-fives. At Crunch, there's no shortage of fitness classes. More than 20 vendors from local businesses like Pita Pit to provide free food and activities for guests. They officially opened in July, and recently celebrated their grand opening and ribbon cutting on Saturday. Clubs are squeaky-clean & up-to-date with fun and inviting spaces to do your thing. Crunch Fitness opened its Lakeland location along South Florida Avenue. We’re constantly working hard to gym-prove your fitness experience. The child was found to have suffered insect bites and was turned over to the custody of the Florida Department of Children and Families.We take pride in a gym designed around you. That baby survived and was taken to Lakeland Regional Hospital for treatment. The other members are great to be around. Lakeland Ideal Fitness Training 2 Gyms The gym has all the proper equipment needed for Crossfit. No coincidence the week before the other gym down. In late January, an hour-old newborn girl was found abandoned in the woods near a Mulberry mobile home park. 26 Gyms Trainers Yoga Beware the loyalty program that the gym launched. This is the second infant abandoned in Polk County this year. Crunch is a gym that believes in making serious exercise fun by fusing fitness and entertainment and pioneering a philosophy of No Judgments. The Crunch gym in Lakeland, FL fuses fitness and fun with certified personal trainers, awesome group fitness classes, a no judgments philosophy, and gym memberships starting at 9.99 a month. The chief noted there's a Watson Clinic facility about a mile down Frontage Road. Crunch Fitness is set to open a brand-new 2 million facility in Lakeland. I think a hospital, emergency rooms, can take them no questions asked," Taylor said. "Anybody that is pregnant and feels they can't take care of a child can drop it off at a fire station, police department. Some locations offer Members additional classes. He said it appeared the child had been in the dumpster less than 10 hours. Membership includes SilverSneakers instructor-led group fitness classes. Did the child suffocate in the bag?" Taylor said. Whether the child was killed, was the child stillborn, you could have a homicide charge. "There could be several charges, depending on what the medical examiner determines. ![]() The medical examiner will conduct an autopsy. The chief said police were scouring the area and conducting an investigation. Tuesday fatal crash SUV driver in fatal crash near Mulberry charged with driving without a licenseĢ years after suspension DeSantis reinstates Kris Fitzgerald to Lake Wales City Commission Through ABC Fitnesss MYiCLUBonline, you can create an account or login to manage gym membership account information, fitness classes, personal training and more. Officer shot Lakeland police officer and 13-year-old suspect shot at 10th Street apartment complex When asked if the baby was full-term, he said it "was not a non-viable fetus. Lakeland Police Chief Sam Taylor said a man was going through the dumpster in the back and found a bag containing the remains of an infant boy with the placenta and umbilical cord still attached. ![]() A baby was found dead in a dumpster behind Just Move gym on South Florida Avenue, Lakeland police said Thursday. ![]() ![]() ![]() In 1948, he ran into a diner in Philadelphia and met Alice Cullen. However, his thirst always became overwhelming. He tried to kill less often by hunting the sinister and would mostly steal blood bags from hospitals over the decades. However, he did not find peace, since he could still feel the emotions of his human victims, which deeply depressed him. ![]() He immediately left Maria and her coven to join Peter and Charlotte. In 1905, Peter came back and told Jasper about the way vampires could coexist up North. He began planning how to destroy her first, despite his reluctance to the idea of destroying the one person who mattered to him, but his years in the coven had affected him so deeply that he almost became a savage. After this incident, Maria's feelings for him changed: he could sense how fearful - and somewhat mistrustful - she was toward him, and knew that she would plot a way to destroy him. When Peter ran off with Charlotte, a newborn that they were supposed to kill, Jasper allowed them to escape. ![]() While in the army, he befriended a newborn named Peter, whom he persuaded Maria to keep because of his advanced combat skills and kindred spirit. Over time, the pain and cruelty of such existence depressed him to no end. Jasper and Maria seemingly shared a short romantic relationship but she never got over her deceased mate. Nettie and Lucy gained territories of their own, but when they tried to rebel against Maria, Jasper sensed their malevolent emotions and teamed up with Maria to kill them. Jasper and other newborns helped Maria reclaim both her territory and her dominance over others. Since Maria wouldn't keep vampires after the first year of their transformations, Jasper was responsible for disposing of them, something he felt remorseful of because he could feel their pain when he killed them just as much as he could feel the pain of his human victims. Jasper commanded Maria's newborn army that participated in the Southern vampire wars. When he became a vampire, Jasper gained the ability to feel and manipulate people's emotions which was very useful in controlling the younger newborns. Maria knew from his suit that he was in the military and changed him into a vampire in the hopes of utilizing his training and experience to create an efficient vampire army. After evacuating women and children there, he rode on his way back to Galveston and met the vampires, Maria, Lucy and Nettie, who had recently lost their respective territories to other covens. In the following 2 years, he was promoted to major in the army and became the youngest major in Texas. Jasper Whitlock joined the Confederate Army before he turned 19, using his way of persuasion. Jasper is also the adoptive brother-in-law of Bella Swan and the adoptive uncle of Renesmee Cullen. He is the husband of Alice Cullen and the adoptive son of Carlisle and Esme Cullen, as well as the adoptive brother of Rosalie Hale, Emmett and Edward Cullen. Jasper Hale (born Jasper Whitlock) is one of the few surviving vampires of the Southern vampire wars, who later joined the Olympic Coven. ![]() ![]() ![]() “I like my coffee black and my mornings bright.” “The way to get started is to quit talking and begin doing.” ~ Walt Disney ![]() “You can only come to the morning through the shadows.” ~ J.R.R. “Give every day the chance to become the most beautiful day of your life.” In today’s life, it’s hard to focus and get time to think something positive, don’t worry we have Good Morning Images With Positive Thoughts that will give you some positive ideas and make you think positively. Instead, take a few minutes to think about something positive. When you wake up, don’t think about all the things you have to do today. This habit of thinking negatively can have a negative impact on your day and your life. Even if something negative happens later on, if you have a solid foundation of positivity, you’ll be better equipped to manage it. By starting your day with positive thoughts, you can empower yourself to take on whatever challenges come your way. ![]() Good morning images with Positive words in EnglishĪ Good Morning Images With Positive Words In English sets the tone for the day.
![]() You'll want to hit as many opposing Pokemon as possible with this Unite Move. Icy Wind – 8s Cooldown – Blows up enemies in an area with frozen air out of reach, slowing them down. ![]() Powder Snow – 5 second cooldown – Blows up opponents in line with snow, slowing them down. Like all characters in Pokemon Unite, you have two moves to choose from at level 1 with Alolan Ninetales. Attacking sling snow, and hitting the same target with snow multiple times will freeze it for a short timeīasic Attack– Every third attack slows down and deals increased damage to opponents in an area. Snow Warning – Causes snow to fall on opposing Pokemon, dealing damage to them and reducing their movement speed for a short time. After reaching level 4, you will evolve into Alolan Ninetales. You'll start the game as the much smaller Alolan Vulpix, but that won't last long. Alolan Ninetales Pokemon Unite Pro Player Build! Alolan Ninetales Build – Pokemon Unite Evolution One resistance is also negated due to Drought boosting Fire moves, however Water moves effectively hit for neutral.įlash Fire - When hit with a Fire move, raise Special Attack by one stage - A strong ability as Heatran has shown, Flash Fire is sadly overshadowed by Drought being better overall.You need the best moves and strategies to take advantage of Alolan Ninetales in Pokemon Unite. This is further compounded by Fires lack of resistances (Fairy, Fire, Steel, Grass, Bug) as well as Fires weakness to common threats (Ground, Water, Rock). This puts Ninetales in competition with other Fire type and Nasty Plot users like Salazzle who have a secondary typing. Typing - Ninetales suffers from is mono Fire typing, lacking the secondary coverage to help break through things with raw power. Ninetales has low HP, Defense, and Special Attack which can all be worked around with Will-O-Wisp or Nasty Plot respectfully but this means you need to run a move specifically to get around Ninetales stats. The Speed is nice in some situation, but as the lowest speed sets their weather this hinders Ninetales in weather wars, how rare those are now. Stats - There's no way to get around the fact that Ninetales has terrible stats. Defensively Ninetales has moves such as Will-O-Wisp and Pain Split to make it hard to handle for some Pokémon and help deal with its low Defense stat. Ninetales has access to Nasty Plot, to go for a sweep or pressure out threats with Sun boosted Fire Blast backed with strong coverage like Solar beam, Energy Ball, Shadow Ball, Psyshock, and Dark Pulse. + Movepool - Ninetales actually has a deep movepool to pull from, with solid coverage and support moves. This makes Ninetales a mandatory consideration when running a Sun team in any tier. This makes Ninetales stand out in a sea of average Fire types, being one of two inducers outside of Ubers. +Ěbilities - How much Drought does for Ninetales can't be understated. That said, Ninetales more aggressive nature can lend itself quite well for a hyper offensive style Sun team with its high base speed and access to Nasty Plot as well as its speed used with Ninetales support movepool, allowing it to risk burning most of its physical counters before they can attack it. However the weather nerf in generation 6 really hurt Ninetales and now it has to compete with Torkoal for main Drought user, who is arguable better in most situations, Ninetales struggles to carve a spot for itself in OU. This made Ninetales a potent threat, and still is, being a pivot of all sun teams. Ninetales competitively, sadly, never really shown any promise competitively till Dream world dropped in generation 5, gaining Drought previously locked to Groudon. It can burn its prey to a crisp as it pleases.īased on the fox spirit of Japanese mythology, Ninetales has been a popular Pokémon for its looks. Those who cross it even once will be cursed for a thousand years, along with their descendants.Said to live for a thousand years, this Pokémon uses its supernatural abilities to manipulate fire. It is vindictive and relentless by nature. Legend has it that this mystical Pokémon was formed when nine saints coalesced into one. Black: Victini & ReshiramWhite: Victini & Zekrom.Pokémon Ranger & The Temple of the Sea!.Mystery Dungeon - Explorers of Time & Darkness. ![]() ![]() Mystery Dungeon: Blazing, Stormy & Light Adventure Squad.Pokémon Battle TrozeiPokémon Link: Battle. ![]() ![]() He said, had they removed it, they would have gone after them for damage to the vehicle because it equates to fraud. He said he had one instance where they took full coverage off after filing and the vehicle was damaged in a hit and run and the lender filed a claim on their insurance (which the insurance paid). Our attorney advised that any damage to the vehicle that was being surrendered which occured after filing could be your responsibility and the lender could file a claim on our insurance. Anyhow, you're correct otherwise.Īlso, removing full coverage on the vehicle is a no-no. The stay didn't matter in my situation regarding the vehcile. However, in my situation we made contact and pushed the issue. You are correct in that they cannot initiate contact nor recover the car while the stay is in effect. Just curious - did the lien holder submit to lift the automatic stay for collection of the vehicle with the bankruptcy courts? If not, then the lender cannot come and get the vehicle until you are discharged. Hope this is informative to at least someone out there. For the record, the vehicle in question is a 2009 model Mazda with a balance owed of $9,500. This experience may be exclusive to my situation but this is how it has progressed thus far. This isn't meant for advice or direction like many of the great posts within this forum. I'm sharing this post, just as general information for anyone seeking information or experiences in dealing with Capital One Auto Finance and Ascension Capital Group within a Chapter 7 case. They emailed back this morning and said that they advised Capital One Auto Finance to initiate contact with me, in order to collect the vehicle. I told them that I wasn't a storage lot and that the car was uninsured, sitting in my drive way. Yesterday, I shot an email off to Ascension Capital Group demanding to information as to the status of the vehicle surrender/pick up. Ascension Capital Group and my attorney being both aware. In the meanwhile, I had ceased driving the vehicle, removed the license plates and terminated the full coverage insurance on the vehicle. Moving along, he sent the 'surrender letter' to Ascension Capital Group and another 14 passed. Then again, he is a bargain basement attorney, so maybe they did previously contact him. ![]() Upon forwarding the email from Ascension Capital Group to my attorney, he said he had not received any correspondence from them whatsoever. They advised that they requested a 'surrender letter' from him and was awaiting it. The email informed me that since I had an attorney on record, that they prefer to only work with my attorney. I faxed a letter to them and in return, I received an email from a representative of a firm called AIS Data Services, LP (DBA Ascension Capital Group) based out of Irving, TX. He (being the bargain basement attorney that he is) decided that it was up to me to reach out to Capital One Auto and see what the status was. About a month after the 341 meeting (4/6) I asked my attorney what the status was regarding the vehicle. Anyhow, the 341 meeting came and went without any creditors appearing (including Capital One Auto). We simply didn't want to payment any longer and wanted to reduce our debt to income ratio. ![]() When filing the petition, we listed the vehicle at topic with the intention of surrender in lieu of reaffirmation or redemption. My case is no asset, joint (married), non-presumption of abuse. So, as you can see, I'm just a few weeks out from potential discharge. First, a little time line on my case: Filed Ch7 on 2/26, 341 meeting on 3/6 and scheduled for discharge (estimated 61 day wait) on 6/7. ![]() I just wanted to contribute my experience to the forums for anyone that is surrendering their vehicle financed by Capital One Auto Finance as the lien holder. ![]() |
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