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apricot-studies: smartstudy: Hey guys. I’m glad to be finally posting my “mental breakdown survival guide”. As you know I struggle a lot with mental health, and so I have been through a lot of breakdowns. So many that I actually dropped out of university after 3 weeks in 2016 and had to take the whole year off. Because of this, I’ve made it my mission to help others with mental health issues as much as I can, so you don’t have to go through what I’ve been through. Anyway, here is my guide. I tried to keep it general, and actually useful. If you have any questions or additions please feel free to add them. And as ever, if you want to talk to me about studying with mental illness or want to see a post on a specific topic, please feel free to message me. thank you so much for this : Saving Your Grades From A Mental Health Crisis What To Do Before, During, And After by SmartStudy.tumblr.com IF YOUR GRADES ARE IN IMMEDIATE DANGER CONTACT YOUR TEACHERS This should be the first thing you do when you realise you're in crisis. Email them, and explain your situation in short, professional terms. You do not have to include details about your condition. "I have a mental health condition" should suffice as to the nature of the issue. Tell them that you are going to arrange to see a medical professional as soon as possible, and ask what process you should go through to defer/get an extension on assessment, and if they can help you in any way. Other people you may have to contact or CC in the email (depending on your school): University High School Head of House Class Coordinator Faculty/School Admin Disability Advisor Grade Coordinator Head of Department Academic Admin Counsellor School Counsellor Student Advocate BOOK A DOCTOR/THERAPIST APPOINTMENT ASAP This will be the person who can vouch for you the most. It's best if you have seen them before and they know you. If you can't get an appointment within a few days, call them and email them (if you haven't seen them before this will not work). Make sure to check out what counselling your university or school offers. During this appointment, the priority is to make a plan to get you back on your feet. This effort will not be useful if you stay a mess. Once you've figured that out, get two things from this person. One is a medical certificate/letter stating that you have, in fact, been going through this crisis. Second is a letter that describes the nature of the crisis, what treatment you're going through, and which people to contact (psychiatrists, etc.) who can vouch for this. Note: The reason I say to get two letters is because there is still a huge stigma around mental illness, and you don't want to reveal that you've got a disorder that's highly stigmatised, only to have it come back and bite you in the ass later. Don't provide details unless it's necessary or asked for. A STUDENT KNOW YOUR RIGHTS AS Most schools and institutions will have a list of a student's rights and responsibilities online. Look them up. Know what your rights are as a student. Also look to see if there are state/national laws protecting you, or if your school is a part of a network of schools that has its own code. Some people working in schools still think mental health issues are trivial, and you never know when they're going to ignore a rule to suit themselves. Make sure you can pick on this if it happens to you. Pretty much all schools will have protection in place for students with mental illnesses and disabilities, so even if you a miss a deadline for a form or make another mistake, they should take your exceptional circumstances into account. This is where a student or disability advisor from school can help you. ottom IF YOU HAVEN'T REACHED CRISIS YET TALK TO A DOCTOR/THERAPIST/COUNSELLOR/TRUSTED ADULT If you're going through a hard time, talk to someone who can help you. Any trusted adult or professional can help you get back on your feet before it's too late, or refer you to someone who can. If it's a new issue, you'll have to see someone like a GP who can refer you to a therapist or mental health service. Talk to them about what's been happening, and say that you need help. Sometimes, even talking about the problem can help you feel better. In these situations, they can also help you figure out what you can do at school to catch up/get special help. FIGURE OUT HOW TO STUDY WHILE IN A BAD STATE Even if you're getting help, it might be some time before you're fully back on track. In these instances, try to make the best of a bad situation. Can't leave the house? Access lecture recordings and eBooks. Ask your friends to send you their notes, or ask the teacher if you can submit your homework via email, or through a friend. Have trouble concentrating? Figure out how long you can study without needing a break, and make a schedule around that. Always make sure to ask your teachers if they can help you with this. Whether it be slightly changing the requirements or conditions of a piece of assessment, or simply their understanding that you may not be able to attend perfectly, it can make a big difference with your overall marks. If they don't know you're struggling, they can't help! DON'T PUSH YOURSELF OR OVERTHINK When you realise there's an issue, it's easy to fall into panic or try to power through. Don't do this. It'll just make you more stressed and aggravate the existing problems, which will make things much worse in the long run. Though it's hard to believe sometimes, your health and mental health are more important than your grades. You can't ignore your mind when it's screaming at you that something is wrong. Listen to it, and be easy on yourself. The best way to get back to your full potential to ask for help and give yourself what you need. Take a break when you need one and practise self-care. It's more important than you might things. RECOVERING FROM A BREAKDOWN ACCEPT THAT YOU'VE BEEN THROUGH SOMETHING MAJOR Once the worst has passed, some people try to brush it off and pretend it never happened. They can feel ashamed or embarrassed about what they went through. However, there is absolutely nothing to be ashamed or embarrassed about, especially if you had a pre-existing mental health condition. Every life has ups and downs and just because yours were a bit more serious than some people's, it doesn't mean that you're weak somehow. The best thing you can do for yourself is to recognise what happened, and work to prevent it from happening again by setting up crisis plans and support networks. GET TUTORING TO CATCH UP If you've fallen behind, don't worry. There are plenty of ways to catch yourself up and get back on track. The best way is to hire a tutor. They can guide you through the work, help you understand difficult concepts, and identify the places you need more help. Yes, tutors can be expensive, but there's a way to get around this. See if there is anyone who took your class the year before who might be willing to tutor you for an hour each week for a discounted prince. Similarly, see if there are any students who can help you in exchange for something like instrument lessons. And if any of your friends are academically gifted, I'm sure they'd be able to help. If all else fails, go to office hours and any free tutoring sessions your school or university offers. Do some research, ask around, see what's there. PACE YOURSELF AND DON'T RUSH IN After a breakdown or crisis, you may be tempted to throw yourself back into your work to catch up. Don't! You'll become overwhelmed and end up back at square one. Remember, you've just been through a very difficult situation and you're not going to get better overnight. Ease yourself in. I definitely recommend starting with a reduced or part-time study load if possible. Remember that you may not be back at your full capacity just yet, and difficulties concentrating and being motivated could make things hard. By starting off slowly, you're able to get used to studying again without too much pressure. DEVELOP A ROUTINE Yes, this advice is in every piece of study advice ever, but you shouldn't develop just any routine. Develop one that allows you plenty of breaks and takes into consider any issues you may have with fatigue or focusing. If your breakdown was caused by overwork, make sure this one is easier on you. Things to include you could include in a healthy routine (but don't micromanage!): "I feel crap" time* Breaks and meals Plenty of sleep and rest "You" time (treat yo self) Time to plan for the next week Exercise (have you tried yoga? Kidding) Meditation/mindfulness Friend/family social time * Remember that the thoughts and feelings caused by mental illness are not shameful, and ignoring and forcing them down will only make them worse. If you need to lie in bed feeling miserable, do it. THINGS TO REMEMBER DON'T COMPARE YOURSELF TO OTHERS It can be easy to look at other people and see your own flaws, but it's important to try not to. Every person has different experiences and struggles, so it's not fair to yourself to look at someone without yours and think you're behind in some way. Taking longer to complete your studies isn't shameful. Making mistakes isn't shameful. Needing breaks isn't shameful. You'll get where you need to be in the end. Have patience. GRADES DON'T DEFINE YOU I spent so much of my life thinking my only worth came from my academic success. And guess what? This just led to more anxiety and depression. It's important to realise that things like grades, class rankings, GPAS, and "intelligence" aren't that important. Who you are and what you do is far more important than these arbitrary labels. THERE IS A STIGMA, SO BE PREPARED It's an unfortunate reality, but there is still a stigma against mental health issues and there is a chance it might affect your experiences while dealing with administrative staff and teachers. There have been stories about people telling their people supposed to be guiding them that they have mental health issues, and being dismissed because "it's a girl issue" or "it's all in their head". Be prepared in case this happens to you. Remind people that it's a medical condition and that you can get proof from medical professionals if need be. Plus, there is probably something in your school's policies or even the law that protects you when you have a mental illness. Remember that just because people are ignorant, that doesn't mean your issue is not 100% real and important. Don't let these people make you feel worse. YOU CAN DO THIS In our darkest moments, it can be hard to believe that we're capable of immense strength, but I promise you we are. Whatever obstacle is in your path right now - even if it's your brain chemistry - you are going to get through this. You've made it through every worst day you've had so far. You've made it through the dark and scary moments, and you've come out the other end stronger and wiser. Remember that you are strong, and even when you don't feel like it, there is always support available to help you realise that strength again. tmblimteom apricot-studies: smartstudy: Hey guys. I’m glad to be finally posting my “mental breakdown survival guide”. As you know I struggle a lot with mental health, and so I have been through a lot of breakdowns. So many that I actually dropped out of university after 3 weeks in 2016 and had to take the whole year off. Because of this, I’ve made it my mission to help others with mental health issues as much as I can, so you don’t have to go through what I’ve been through. Anyway, here is my guide. I tried to keep it general, and actually useful. If you have any questions or additions please feel free to add them. And as ever, if you want to talk to me about studying with mental illness or want to see a post on a specific topic, please feel free to message me. thank you so much for this
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arctic-hands: swan2swan: swan2swan: If you haven’t seen this story, look up his name: Francisco Galicia.  Expect to see him come 2020, when the debates begin and the political battle heats up. Expect to see him in a suit testifying in court, or before Congress. This young man is a witness and a victim, and the fact that this isn’t a more prominent story on every news station is what truly frightens me. From The Dallas News: Galicia says he lost 26 pounds during that time in a South Texas immigrant detention center because officers didn’t provide him with enough food. He said he wasn’t allowed to shower and his skin was dry and dirty. He and 60 other men were crammed into an overcrowded holding area where they slept on the floor and were given only aluminum-foil blankets, he said. Some men had to sleep on the restroom area floor. Ticks bit some of the men and some were very sick, Galicia said. But many were afraid to ask to go to the doctor because CBP officers told them their stay would start over if they did, he said. I would remind you that concentration camps are actually real.  “I told them we had rights and asked to make a phone call. But they told us, ‘You don’t have rights to anything’,” Francisco Galicia said. This is happening. [the screencapped tweets are in initial link] : Garet Bleir @GaretBleir 1/8 Yesterday, Francisco Galicia, a high school senior born in Dallas, TX called his mother for the first time after being released from nearly a month of illegal detainment in U.S. Concentration camps at the hands of CBP and ICE. He was held in "inhumane" conditions, he told me. South Texas 566 Veterans Drive 3:02 PM Jul 24, 2019 Twitter for iPhone Garet Bleir @GaretBleir 21h Replying to @GaretBleir 2/8 Francisco, a U.s. born citizen, was detained by Border Patrol on June 27th at a checkpoint in Falfurrias, Texas while driving with his friends on their way to a college soccer scouting event. At the checkpoint, he showed Border Patrol agents proof of his birth in the U... 1 Garet Bleir @GaretBleir 21h 3/8 he had on him - his Texas State ID, his wallet-sized birth certificate, and his social security card, but the agents told him they believed the documents weren't real, his attorney told me. For the entire three weeks he was held captive in CBP custody, Francisco was not... 1 Garet Bleir @GaretBleir 21h 4/8 allowed to use the phone, even for calls to his attorney or to his mother who feared he would be deported. It wasn't until Saturday, after being transferred to ICE custody, that he was allowed to make a collect phone call. 3 1 Garet Bleir @GaretBleir 21h 5/8 Despite multiple attempts by family members and his attorney to give further proof of his U.S. citizenship, it wasn't until the attorney took this to the news media and grassroots activists throughout Texas that ICE finally released Francisco, she says. 1 t 1 4 Garet Bleir @GaretBleir 21h 6/8 The attorney was told that she would have to present the documents to ICE officials upon arrival at South Texas Detention Complex in Pearsall, TX but after a handful of activists and reporters arrived at the detention facility... 9 1 3 Garet Bleir @GaretBleir 21h 7/8. we watched as ICE officials released Francisco without even speaking to the attorney. This further shows that the officials not only had the proper documentation for his release, they also knew that they had the proper documentation and that he was a U.S. citizen. 1 t 2 5 Garet Bleir @GaretBleir 21h 8/8 I'll be sharing more updates soon, along with videos and photos showing what happened while we were there as soon as possible. Photo: Garet Bleir - Journalism arctic-hands: swan2swan: swan2swan: If you haven’t seen this story, look up his name: Francisco Galicia.  Expect to see him come 2020, when the debates begin and the political battle heats up. Expect to see him in a suit testifying in court, or before Congress. This young man is a witness and a victim, and the fact that this isn’t a more prominent story on every news station is what truly frightens me. From The Dallas News: Galicia says he lost 26 pounds during that time in a South Texas immigrant detention center because officers didn’t provide him with enough food. He said he wasn’t allowed to shower and his skin was dry and dirty. He and 60 other men were crammed into an overcrowded holding area where they slept on the floor and were given only aluminum-foil blankets, he said. Some men had to sleep on the restroom area floor. Ticks bit some of the men and some were very sick, Galicia said. But many were afraid to ask to go to the doctor because CBP officers told them their stay would start over if they did, he said. I would remind you that concentration camps are actually real.  “I told them we had rights and asked to make a phone call. But they told us, ‘You don’t have rights to anything’,” Francisco Galicia said. This is happening. [the screencapped tweets are in initial link]

arctic-hands: swan2swan: swan2swan: If you haven’t seen this story, look up his name: Francisco Galicia.  Expect to see him come 2020,...

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portraitofemmy: possiblestoner: marzipanandminutiae: A. imagine your otp B. dear gods this country has massive issues I’ve been looking for this post for ages listen, I’ve read enough fanfic to know that they’re not getting divorced, but it’ll take about 35k of pining to figure that out. : Can you marry me 5:01 PM I just got back from my school and they said they cannot give me any aid except for unsubsidised loans unless l have a child, get married, or turn 24, so I have to get married Yeah ok I'll marry you I need a better fafsa application too Wait seriously Would you really do it Im doing actual research on it Are we doing this It would have to happen like lightning fast cause my next semester happens pretty damn soon I don't know how fast this happens lemme check Ughhhh okay so we'd need to get a marriage license which can be up to $30 depending on where we get it, and THEN we need to file for a marriage certificate I'm an ordained minister but idk if I could file my own marriage certificate get ordained and do it Can we go to Indiana? Let me check Dude Im so excited Its possible that I can get FAFSA to pay for an entire apartment for me to go to school in Milwaukee DUDE WHAT Okay so there's no minister registration required in lllinois so Yeah I'm looking that up right now Ive heard that if one partner commits adultery, thats grounds for a quicker divorce Yeah this sample form I'm looking at says "irretrievable breakdown" of marriage Worse comes to worse we can stage a fight but I think we can just say yeah it's not working out Does it include adultery divorce ranging from $15,000 to $30,000. Most of this money is spent on legal fees. So Fuck lawyers We don't need a lawyer We don't have kids we don't have property to divide up Oh thats only for a lawyer We don't have alimony to negotiate We're just two guys being dudes. Gettin a divorce portraitofemmy: possiblestoner: marzipanandminutiae: A. imagine your otp B. dear gods this country has massive issues I’ve been looking for this post for ages listen, I’ve read enough fanfic to know that they’re not getting divorced, but it’ll take about 35k of pining to figure that out.
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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.: 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.
Save
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 : 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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khadij-al-kubra: simplelittlepaperyanon: shitposting-hobbits-to-gallifrey: transrants: a-little-bi-furious: transrants: idopaint-themgreen: the-fury-of-a-time-lord: lgbtqblogs: Two brides have become two of the most kickass women in the world by marrying to protest against homophobia in Russia. Alina Davis, a 23-year-old trans woman, and Allison Brooks, her 19-year-old partner, donned matching white floor-length bridal gowns and married at a civil registry office earlier this month. As Davis is still legally regarded as male, the office had no choice but to hand them a marriage certificate. The couple said officials chided them, and appeared to be violent. ‘She called us the shame of the family and said we need medical treatment … I was afraid my pussycat [an affectionate pet name in Russian] would beat the fuck out of her,’ Davis said on her VK page. But the couple were allowed to sign the papers, meaning a gay couple in Russia are legally recognized as married – even if it’s through a loophole. ‘This is an important precedent for Russia,’ Davis said. Russia banned same-sex marriage and outlawed ‘gay propaganda’ in 2013. holy jesus look at these two warrior princesses they are my heroes YOU GO GIRLS “Oh, you don’t wanna recognize my gender? Okay then lol guess you have to recognize my marriage” that is amazing TRANS EXCELLENCE Okay but other reports state that Alina identifies as androgyne but feels more comfortable as a woman, it definitely is trans excellence but the label she uses is not reported correctly here. Thanks for the info! (This means it’s not only trans excellence but also NONBINARY EXCELLENCE YEAH!) Fucking amazing “Can I be woman?”  “No.”  “I am still man?”  “Yes.”  “I can has wife, then?” [Russian government sweats nervously] Ya gotta love loopholes! : khadij-al-kubra: simplelittlepaperyanon: shitposting-hobbits-to-gallifrey: transrants: a-little-bi-furious: transrants: idopaint-themgreen: the-fury-of-a-time-lord: lgbtqblogs: Two brides have become two of the most kickass women in the world by marrying to protest against homophobia in Russia. Alina Davis, a 23-year-old trans woman, and Allison Brooks, her 19-year-old partner, donned matching white floor-length bridal gowns and married at a civil registry office earlier this month. As Davis is still legally regarded as male, the office had no choice but to hand them a marriage certificate. The couple said officials chided them, and appeared to be violent. ‘She called us the shame of the family and said we need medical treatment … I was afraid my pussycat [an affectionate pet name in Russian] would beat the fuck out of her,’ Davis said on her VK page. But the couple were allowed to sign the papers, meaning a gay couple in Russia are legally recognized as married – even if it’s through a loophole. ‘This is an important precedent for Russia,’ Davis said. Russia banned same-sex marriage and outlawed ‘gay propaganda’ in 2013. holy jesus look at these two warrior princesses they are my heroes YOU GO GIRLS “Oh, you don’t wanna recognize my gender? Okay then lol guess you have to recognize my marriage” that is amazing TRANS EXCELLENCE Okay but other reports state that Alina identifies as androgyne but feels more comfortable as a woman, it definitely is trans excellence but the label she uses is not reported correctly here. Thanks for the info! (This means it’s not only trans excellence but also NONBINARY EXCELLENCE YEAH!) Fucking amazing “Can I be woman?”  “No.”  “I am still man?”  “Yes.”  “I can has wife, then?” [Russian government sweats nervously] Ya gotta love loopholes!
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portraitofemmy: possiblestoner: marzipanandminutiae: A. imagine your otp B. dear gods this country has massive issues I’ve been looking for this post for ages listen, I’ve read enough fanfic to know that they’re not getting divorced, but it’ll take about 35k of pining to figure that out. : Can you marry me 5:01 PM I just got back from my school and they said they cannot give me any aid except for unsubsidised loans unless l have a child, get married, or turn 24, so I have to get married Yeah ok I'll marry you I need a better fafsa application too Wait seriously Would you really do it Im doing actual research on it Are we doing this It would have to happen like lightning fast cause my next semester happens pretty damn soon I don't know how fast this happens lemme check Ughhhh okay so we'd need to get a marriage license which can be up to $30 depending on where we get it, and THEN we need to file for a marriage certificate I'm an ordained minister but idk if I could file my own marriage certificate get ordained and do it Can we go to Indiana? Let me check Dude Im so excited Its possible that I can get FAFSA to pay for an entire apartment for me to go to school in Milwaukee DUDE WHAT Okay so there's no minister registration required in lllinois so Yeah I'm looking that up right now Ive heard that if one partner commits adultery, thats grounds for a quicker divorce Yeah this sample form I'm looking at says "irretrievable breakdown" of marriage Worse comes to worse we can stage a fight but I think we can just say yeah it's not working out Does it include adultery divorce ranging from $15,000 to $30,000. Most of this money is spent on legal fees. So Fuck lawyers We don't need a lawyer We don't have kids we don't have property to divide up Oh thats only for a lawyer We don't have alimony to negotiate We're just two guys being dudes. Gettin a divorce portraitofemmy: possiblestoner: marzipanandminutiae: A. imagine your otp B. dear gods this country has massive issues I’ve been looking for this post for ages listen, I’ve read enough fanfic to know that they’re not getting divorced, but it’ll take about 35k of pining to figure that out.
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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. : 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? 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.
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