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Tumblr, Blog, and Http: insects-in-every-hole: Catholic Cemetery in Lindsay, Texas, 9/18

insects-in-every-hole: Catholic Cemetery in Lindsay, Texas, 9/18

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Tumblr, Summer, and Blog: thistransient: in Lychakiv cemetery, summer聽鈥19

thistransient: in Lychakiv cemetery, summer聽鈥19

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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 鈥淲ell, that鈥檚 unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.鈥 On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle鈥檚 $5,000 loan. She鈥檚 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鈥檛 need to pay. When people die, their debts are not their family鈥檚 responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn鈥檛 cosign the loan and isn鈥檛 executing the will. Debts and Deceased Relatives Here鈥檚 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: 鈥淪he鈥檚 dead, good luck collecting.鈥 The credit card asked my mother, 鈥淒on鈥檛 you want to clear your grandmother鈥檚 debts? Don鈥檛 you want to clear her good name?鈥 My mom laughed at them again. 鈥淣o,鈥 she said. 鈥淏ecause a 90 year old wasn鈥檛 watching porn with those credit cards, and her name is fine. Don鈥檛 give credit cards to old women likely to pass away soon. This is on you.鈥 Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren鈥檛 your own. They often can鈥檛 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鈥橳 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鈥檝e 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鈥檛 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鈥檛 (which is not to say that they don鈥檛 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 鈥淲ell, that鈥檚 unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.鈥 On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle鈥檚 $5,000 loan. She鈥檚 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鈥檛 need to pay. When people die, their debts are not their family鈥檚 responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn鈥檛 cosign the loan and isn鈥檛 executing the will. Debts and Deceased Relatives Here鈥檚 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: 鈥淪he鈥檚 dead, good luck collecting.鈥 The credit card asked my mother, 鈥淒on鈥檛 you want to clear your grandmother鈥檚 debts? Don鈥檛 you want to clear her good name?鈥 My mom laughed at them again. 鈥淣o,鈥 she said. 鈥淏ecause a 90 year old wasn鈥檛 watching porn with those credit cards, and her name is fine. Don鈥檛 give credit cards to old women likely to pass away soon. This is on you.鈥 Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren鈥檛 your own. They often can鈥檛 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鈥橳 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鈥檝e 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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Tumblr, Blog, and Deviantart: requiem-on-water: Cemetery of forgotten ships by Mira Nedyalkova

requiem-on-water: Cemetery of forgotten ships by Mira Nedyalkova

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Tumblr, Blog, and Http: mynocturnality: La Camara Viva, cemetery San Lorenzo聽

mynocturnality: La Camara Viva, cemetery San Lorenzo聽

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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 鈥淲ell, that鈥檚 unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.鈥 On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle鈥檚 $5,000 loan. She鈥檚 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鈥檛 need to pay. When people die, their debts are not their family鈥檚 responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn鈥檛 cosign the loan and isn鈥檛 executing the will. Debts and Deceased Relatives Here鈥檚 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: 鈥淪he鈥檚 dead, good luck collecting.鈥 The credit card asked my mother, 鈥淒on鈥檛 you want to clear your grandmother鈥檚 debts? Don鈥檛 you want to clear her good name?鈥 My mom laughed at them again. 鈥淣o,鈥 she said. 鈥淏ecause a 90 year old wasn鈥檛 watching porn with those credit cards, and her name is fine. Don鈥檛 give credit cards to old women likely to pass away soon. This is on you.鈥 Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren鈥檛 your own. They often can鈥檛 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鈥橳 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鈥檝e 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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Children, Tumblr, and Blog: anatomicdeadspace:Children sit by a collection of human remains. Paco Leper Cemetery. Manila, Philippines.

anatomicdeadspace:Children sit by a collection of human remains. Paco Leper Cemetery. Manila, Philippines.

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Tumblr, Blog, and Http: saintjoan:Cemetery of Staglieno, Genoa, Italy

saintjoan:Cemetery of Staglieno, Genoa, Italy

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Tumblr, Blog, and Flickr: requiem-on-water: Spring Cemetery聽by Sarah Smith

requiem-on-water: Spring Cemetery聽by Sarah Smith

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