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Community, Family, and Finance: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this Unless you cosigned the loan, are a joint account holder, or a spouse of the deceased in a community property state, you would likely not be on the hook for any debts from the deceased. The executor of their estate will be in charge of addressing the loans with the help of the estate and hopefully life insurance money, but if there isn’t enough in that to pay off the debts then creditors are just shit out of luck and they legally are not allowed to mislead you into thinking you have to pay them back when you don’t (which is not to say that they don’t try). You have a legal right to order them not to contact you via letter.
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Family, Get Money, and God: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200. Boosting this to let people know that if any of these greedy little dog-fuckers start harassing them to pay off a relatives debt the correct thing to do is just tell them to piss off and not pay them a single thing And that there is NOTHING they can do if you do this
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Adam Sandler, Alive, and Animals: Johnny Boy 'limbo', Marston Arthur More Organ Holland Hoseas Before Broseas swagalicious crunchy outside, self-deprecating chewy center - "how many licks does it take the squad's favorite disaster scrappy damsel squares up at a moment's notice can never seem to get their shit together to get to the center of my depression" goth jock dropout just wants to settle down - - dumbest smart person alive - denies being moe - "wanna know how I got these scars- wait where are you going" - makes 50+ post twitter threads nobody reads just needs a break - "Actually, correlation is not causation" - thinks they're charming, is actually charming - constantly forgets their age - "back in my day - only one who knows what the fuck they're talking about incredible artist, thinks their stuff is 'okay' still needs to shut the fuck up - one shot, one kill - "once I go viral it's over for you hoes" - has a 'Home Is Where The Heart Is' welcome mat-liked by practically everybody - productive procrastinator can never hold down a relationship - Instant Uncle, Just Add Baby suffers from chronic pushover syndrome "no questions, dammit, no questions" - jokes hit too close to home - Good bad influence - weed friend Make It Work Guy Fieri Will Billiamson Bad Santa -always knows what to play at a party - adopts everyone on sight - great with kids, great with animals, wants to hold your baby - scientific evidence good girls want bad boys - tsundere - burns salads - "have you eaten today" - owns etsy account, too busy to make anything - punches self for fun - professional alcoholic - always needs to borrow money - terrible drunk, never remembers what happened that night walks around the house in their underwear gives great hugs needs seven showers group's unexpected therapist patronus is secondhand embarrassment just wants to be part of the family "MCDONALD'S! 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No ProblemTM -"Local Mean Girl Refuses To Be Toppled From Throne" - loses shit over small things -THIS close to cutting someone and snack in peace shoves people in lockers to show affection forgets not to swear in front of other never forgets a birthday shaped like a friend only one in squad who can cook only one in squad who can drive people's children the queen of throwing down "fuck, sorry about that" given up on romance savwy businessowner resident gossip big problems are Whatever - needs therapy - Favorite Songs Are 'Find Me Somebody- smells amazing To Love' And 'Before He Cheats' common sense frequently left on read - hasn't seen most popular movies - a matryoshka of pain - wishes you didn't look like a dump truck knows Wicked by heart - only one in squad who does taxes Songs Are unforgiveable weeb - villain origin story is that stubborn chin hair that keeps growing back - always says 'gg' after every game incredible skin care regimen - "just drink more water" award winning sailor mouth - Big Hair, Don't Care "What's My Age Again" by Blink 182 World's Saddest Violin Bullshit Magician Expletive Noises Looks like a million dollars, is probably worth a million dollars - family person, loves everybody keeps Twitter on private - meows back at their cat - extroverted introvert -feels guilty for not logging into Animal Crossing for nine months thinks existence is kind of funny invented the word 'dapper - the living embodiment of when you try your best but you don't succeed' - just wants to be loved and cherished -great with animals, never scratched the life of the party, when they're not launching into drunken diatribes -smartest smart person alive -stays up until three in the morning thinking about the meaning of life - an essential addition to any squad - reads at 10,000 miles per hour wants to stab Banksy hates stan culture hoards comfort food beneath their desk gets sentimental over their Neopets used to hoard Beanie Babies - hates answering the phone - silently lurks in Twitch chatrooms - needs more friends - stylish drunk with two hollow legs - never fails to speak their mind great at impressions -not-so-secretly depressed - regularly confuses main for private "just forget I said that haha" preserves their right hook for justice - stared into the void, got bored quotes movies when provoked - "That's just, like, your opinion, man." the most perfect teeth Baby Boy...Baby Talk Shit, Get Hit Mr. Krabs A Dog - soft outside, softer inside - never ashamed to cry - weak spot for pups, needs to pet every dog they see -only one of the squad that's been punched squad's resident cheapskate needs to seriously reconsider things trolling game out of control A dog - never seems to accumulate debt, also never tips the waiter took college prep in high school - can't fight to save their life - surprisingly terrifying comebacks - multilingual gg ez clap" oves Bon Iver, Death Grips and Beyonce equally - Kappa Kappa KappaRoss CoolStoryBob workplace's local kissass likes to give gifts to sad friends living embodiment of a flower crown talks during movies home life is a mess - needs a vacation, too self-conscious - doesn't flush toilets in public bathrooms to take one - adopted by everybody - "Oh, I won't report you...yet" believes they were born in the wrong era - has never yelled once - in love with the smell of old books - wishes on stars when no one's looking leaves breadcrumbs in butter a well-rounded tool - nobody knows why they keep getting invited"Poverty is a state of mind." champagnesuperhoeva: red dead redemption 2 tag yourself masterpost now all in one spot for your convenient bullshit needs tag your chronic pain, tag your panic attacks, tag your existential crisis  I am all of these yet none of them at the same time
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