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Bailey Jay, Family, and Get Money: 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.
Community, Confidence, and Friends: L) faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said 'Mom it's full of older boys" I calmly said·So what, they don't own the skate park. She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?' You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Helping hand

Helping hand

Community, Confidence, and Friends: L) faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said 'Mom it's full of older boys" I calmly said·So what, they don't own the skate park. She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?' You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Helping hand

Helping hand

Community, Confidence, and Friends: L) faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said 'Mom it's full of older boys" I calmly said·So what, they don't own the skate park. She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?' You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Helping hand via /r/wholesomememes http://bit.ly/2t4oMUO

Helping hand via /r/wholesomememes http://bit.ly/2t4oMUO

Community, Confidence, and Friends: faithinhumanityr Dear teenage boy at skate park: You're probably about fifteen years old, so I don't expect you to be very mature or for you to want a little girl on your skate ramp for that matter. What you don't know is that my daughter has been wanting to skateboard for months. I actually had to convince her that skateboarding wasn't for just for boys. So when we walked up to the skate park and saw that it was full of teenage boys who were smoking and swearing she immediately wanted to turn around and go home. I secretly wanted to go too because I didn't want to have to put on my mom voice and exchange words with you. I also didn't want my daughter to feel like she had to be scared of anyone, or that she wasn't entitled to that skate park just as much as you were. So when she said Mom it's full of older boys"I calmly said So what, they don't own the skate park" She proceeded to go down the ramp in spite of you and your friends flying past her and grinding rails beside her. She only had two or three runs in before you approached her and said 'Hey, excuse me... immediately prepared to deliver my "She's allowed to use this park just as much as you guys' speech when I heard you say "You're feet are wrong. Can I help you?" You proceeded to spend almost an hour with my daughter showing her how to balance and steer, and she listened to you; A feat not attained by most adults! You held her hand and helped her get up when she fell down and I even heard you tell her to stay away from the rails so that she wouldn't get hurt. I want you to know that I am proud that you are part of my community, and I want to thank you for being kind to my daughter, even though your friends made fun of you for it. She left with a sense of pride and with the confidence that she can do anything, because of you. Wholesome comes from many places

Wholesome comes from many places