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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.
Target, True, and Tumblr: Fic Writers Alignment Chart @anony-mouse-writer Lawful Good Neutral Good Chaotic Good long series of non-chronological fics with loose ties to one writes long fic in full before posting on a regular schedule unti another. well written and just posts short, one-shot stories at random forever- no matter how much the people beg for more finished with a largely consistent posting schedule Lawful Neutral True Neutral Chaotic Neutral has seque(s) planned out comes from obscurity to for a series and is still writing, but takes approximately 5 years to finish it before posting write a single, mind-blowing fic, then fades back into nothin forever swans from the void to post updates erratically but never leaves any real cliffhangers Lawful Evil Neutral Evil Chaotic Evil has 17 different long-fics begins long angst-fic with inconsistent update schedule before abandoning the fic for good after posting a clifthanger begun and unfinished, some has a compilation post of fics I will never write' to tease everyone. Every ast one is an amazing idea several years old. will occassionally break from their current work to post a single chapter for one at random leaving a worse cliffhanger than before. Pure, Unadulturated Evil has several chapters after their latest cliffhanger full of author notes and side tangets before abandoning the story forever and marking it complete without tagging it as an abandoned work anony-mouse-writer: [fic alignment]

anony-mouse-writer: [fic alignment]

Bad, Head, and Love: firesnaps I had someone tell me that dislike of Umbridge is usually from ingrained sexism toward female villains. I kind of stared in shock-I mean I love my lady villains I love nasty female villains. I love sneaky and clever female villains. I love female villains that wrap themselves up in what the patriarchy expects of them and uses those expectations to smash someone upside the head I tried to explain my hatred of Umbridge isn't that she's full of traditionally feminine attributes It's that she's lawful evil If you did an alignment chart, no one would represent lawful evil more thar Umbridge. I don't think there's ever been a character that better sums up lawful evil. And, to me, lawful evil is the most terrifying and disturbing evil there is To me, lawful evil is the shit that gets thousands of people killed while the person responsible walks away feeling like they did their duty Evil forces like Bellatrix and Voldemort are fairy tales. They're the bad guys a good guy can chase away with a sword or wand Umbridge is that evil that really does lurk in the hearts of men (and women). The realness, the plausibility of it, makes her amazingly uncomfortable So, yeah, I can't get as excited about her as a fantasy book creation as easily as some other female villains. Not because she's a woman, or because of her gender presentation, but because she represents a sort of evil that's far, far too close to home too-bassoon Voldemort is stereotypically scary, but he's a very unreal kind of scary. Umbridge is different. Everyone's had an umbridge the-cimmerians yes because lawful evil wraps itself in righteousness and oppresses you through approved systems and hierarchies that nobody is supposed to question Source.firesnaps 102,194 notes The scariest fictional villains are the ones most likely to be real