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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.
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.

thefingerfuckingfemalefury: ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitali...

Apparently, Bad, and Comfortable: theladyzephyr: Folks let me talk about Crowley and sunglasses, because I have a lot of emotions about when he wears them and when he doesn’t, and Hiding versus Being Seen. We’re introduced to the concept of Crowley wearing glasses even before we’re introduced to Crowley, by Hastur: “If you ask me he’s been up here too long. Gone native. Enjoying himself too much. Wearing sunglasses even when he doesn’t need them.” Honestly Crowley’s whole introduction is a fantastic; we learn so much about his character in a tiny amount of time. The fact that he’s late, the Queen playing as the Bentley approaches, the “Hi, guys” in response to Hastur and Ligur’s “Hail Satan”. I like this intro much better than the one originally scripted with the rats at the phone company, but I digress. Crowley wears sunglasses when he doesn’t need them. Specifically, he still wears them around the demons, and when he’s in hell. You know where Crowley doesn’t wear glasses? At home. We never once see him wearing glasses in his flat, except for when he knows Hastur and Ligur are coming. That’s an emotional kick to the gut for me. Here’s one of the only places Crowley’s comfortable enough to be sans glasses, and when he knows it’s going to be invaded he prepares not just physically with the holy water, but by putting up that emotional barrier in a place where he wasn’t supposed to need it. An argument could be made that Crowley actually never needs glasses. We’re shown that it’s well within the angels’ and demons’ powers to pass unnoticed by humans. Crowley and Aziraphale waltz out of the manor in the middle of a police raid, and going unnoticed by the police takes so little effort that they can keep up a conversation while they stroll through. Even an unimaginative demon like Hastur apparently doesn’t have trouble with the humans losing it over his demonic eyes. The humans in the scene at Megiddo are acting like “this guy is a little weird” and not “holy shit his entire eyeballs are black jelly” That means that Crowley’s glasses are a choice, just like Aziraphale’s softness. Sure, he could arrange matters so that nobody ever noticed his eyes, but he doesn’t want to. Crowley wants acceptance, and he wants to belong, and he’s never, ever had that. He didn’t fit in before the Fall in Heaven, he doesn’t fit in with the demons in Hell. With the glasses, and with the Bentley and his plants and with the barely-bad-enough-to-be-evil nuisance temptations, he’s choosing Earth. This is where he wants to fit in, perhaps not with the humans, but amongst them. Even after Crowley is at his absolute lowest, when he thinks Aziraphale’s dead and he’s on his way to drink until the world ends, he takes the time to put a new pair on when the old ones are damaged. He needs that emotional crutch right now, even with everything about to turn into a pile of puddling goo he’s not ready for the world to see his eyes. Which is why I swore out loud when Hastur forcibly takes them off. It’s about the worst thing that Hastur could have done. Rather than leading with a physical threat, his first act is to strip away Crowley’s emotional defences. It’s a great writing choice because god it made me hate Hastur, even more than all the physical violence we see him do. It’s also the moment that Crowley really truly gets his shit together, and focuses all of his considerable imagination on getting to Tadfield and Aziraphale to help save the world. He’s wielding the terrifyingly unimaginable power of someone who’s hit rock bottom and realised it literally could not get any worse than this. He doesn’t put another pair of glasses on after discorporating Hastur, and he spends the majority of the airbase sequence without them. He puts them back on again, I think, at the moment that he really lets himself hope. When he thinks ‘shit, there may be a real chance that we get through this to a future that I don’t want to lose’. The vulnerability is back, and he needs Adam to trust him. In Crowley’s mind being accepted by a human means he needs to have his eyes hidden. Someone give the demon a hug, please. Interestingly, there’s only one time in the whole series that we see Crowley willingly choose to take his glasses off around another person. Only one person he’ll take down that barrier for, and even then he’s drunk before he does it. Dear God/Satan/Someone that makes my heart ache. Crowley’s chosen Earth, but he’s also chosen Aziraphale. He’s been looking for somewhere to belong his entire existence, and it’s with the angel that he finally feels it. When the dust settles and the world is saved and they finally have space to be themselves unguarded, I like to imagine Crowley takes off the glasses when it’s just the two of them; the idea of being known doesn’t scare him quite so much anymore.  
Apparently, Bad, and Comfortable: theladyzephyr:

Folks let me talk about Crowley and sunglasses, because I have a lot of emotions about when he wears them and when he doesn’t, and Hiding versus Being Seen.
We’re introduced to the concept of Crowley wearing glasses even before we’re introduced to Crowley, by Hastur: “If you ask me he’s been up here too long. Gone native. Enjoying himself too much. Wearing sunglasses even when he doesn’t need them.”
Honestly Crowley’s whole introduction is a fantastic; we learn so much about his character in a tiny amount of time. The fact that he’s late, the Queen playing as the Bentley approaches, the “Hi, guys” in response to Hastur and Ligur’s “Hail Satan”. I like this intro much better than the one originally scripted with the rats at the phone company, but I digress.
Crowley wears sunglasses when he doesn’t need them. Specifically, he still wears them around the demons, and when he’s in hell.
You know where Crowley doesn’t wear glasses? At home.
We never once see him wearing glasses in his flat, except for when he knows Hastur and Ligur are coming. That’s an emotional kick to the gut for me. Here’s one of the only places Crowley’s comfortable enough to be sans glasses, and when he knows it’s going to be invaded he prepares not just physically with the holy water, but by putting up that emotional barrier in a place where he wasn’t supposed to need it.
An argument could be made that Crowley actually never needs glasses. We’re shown that it’s well within the angels’ and demons’ powers to pass unnoticed by humans. Crowley and Aziraphale waltz out of the manor in the middle of a police raid, and going unnoticed by the police takes so little effort that they can keep up a conversation while they stroll through. Even an unimaginative demon like Hastur apparently doesn’t have trouble with the humans losing it over his demonic eyes. The humans in the scene at Megiddo are acting like “this guy is a little weird” and not “holy shit his entire eyeballs are black jelly”
That means that Crowley’s glasses are a choice, just like Aziraphale’s softness. Sure, he could arrange matters so that nobody ever noticed his eyes, but he doesn’t want to. Crowley wants acceptance, and he wants to belong, and he’s never, ever had that. He didn’t fit in before the Fall in Heaven, he doesn’t fit in with the demons in Hell. With the glasses, and with the Bentley and his plants and with the barely-bad-enough-to-be-evil nuisance temptations, he’s choosing Earth. This is where he wants to fit in, perhaps not with the humans, but amongst them.
Even after Crowley is at his absolute lowest, when he thinks Aziraphale’s dead and he’s on his way to drink until the world ends, he takes the time to put a new pair on when the old ones are damaged. He needs that emotional crutch right now, even with everything about to turn into a pile of puddling goo he’s not ready for the world to see his eyes.
Which is why I swore out loud when Hastur forcibly takes them off.
It’s about the worst thing that Hastur could have done. Rather than leading with a physical threat, his first act is to strip away Crowley’s emotional defences. It’s a great writing choice because god it made me hate Hastur, even more than all the physical violence we see him do.
It’s also the moment that Crowley really truly gets his shit together, and focuses all of his considerable imagination on getting to Tadfield and Aziraphale to help save the world. He’s wielding the terrifyingly unimaginable power of someone who’s hit rock bottom and realised it literally could not get any worse than this. He doesn’t put another pair of glasses on after discorporating Hastur, and he spends the majority of the airbase sequence without them.
He puts them back on again, I think, at the moment that he really lets himself hope. When he thinks ‘shit, there may be a real chance that we get through this to a future that I don’t want to lose’.
The vulnerability is back, and he needs Adam to trust him. In Crowley’s mind being accepted by a human means he needs to have his eyes hidden. Someone give the demon a hug, please.
Interestingly, there’s only one time in the whole series that we see Crowley willingly choose to take his glasses off around another person. Only one person he’ll take down that barrier for, and even then he’s drunk before he does it.
Dear God/Satan/Someone that makes my heart ache. Crowley’s chosen Earth, but he’s also chosen Aziraphale. He’s been looking for somewhere to belong his entire existence, and it’s with the angel that he finally feels it.
When the dust settles and the world is saved and they finally have space to be themselves unguarded, I like to imagine Crowley takes off the glasses when it’s just the two of them; the idea of being known doesn’t scare him quite so much anymore.  

theladyzephyr: Folks let me talk about Crowley and sunglasses, because I have a lot of emotions about when he wears them and when he doesn’...

Advice, Arthur, and Blessed: THE PROBLEM I heard about the surprise party my friends planned for me. Should I pretend not to know? TIP: Think of your friends feelings. Surprise them back. Don't show up. I dont even need the "binky fucks my mom now" edit the originals are so much funnier theblueteletubby scrolled through the tags and saw that a lot of people weren't blessed enough to see the edits A game for kids and gro Everyone has a right to privacy. Try being more firm with your mother about your refusal THE PROBLEM I think I'm old enough to bathe on my own now, but my mom insists on getting in the tub with me every time.. it makes me feel Parents know best! You should do as you're told at all times uncomfortable. What should I do? ll take your place, Arthur TIP The answer may not be obvious at first A game for kids and g Everyone has a right to sleeping with your mother. Tm sorry that it makes you uncomfortable. THE PROBLEM Binky bathed with my mother, and now they're sleeping together too. It's making my dad mad This sounds like an issue that you should arrange a serious discussio with your mother about and it makes me feel uncomfortable, too. What should I do Nobody said you can't join us Arthur TIP 1 am so fucking mad game for kids and grow Arthur I appreciate youre troubled but Im out of advice. THE PROBLEM with my mom, and it looks like Binky is my dad now. Idon't really understad... I feel confused and upset What should I do? It's okay Arthur, Binky is my father too. Arthur help me TIP You should go to bed son
Advice, Arthur, and Blessed: THE PROBLEM
 I heard about the
 surprise party my
 friends planned for
 me.
 Should I pretend not
 to know?
 TIP: Think of your friends
 feelings.
 Surprise them back. Don't
 show up.
 I dont even need the "binky fucks my mom
 now" edit the originals are so much funnier
 theblueteletubby
 scrolled through the tags and saw that
 a lot of people weren't blessed enough
 to see the edits
 A game for kids and gro
 Everyone has a right to privacy. Try
 being more firm with your mother
 about your refusal
 THE PROBLEM
 I think I'm old enough
 to bathe on my own
 now, but my mom
 insists on getting in the
 tub with me every
 time.. it makes me feel
 Parents know best! You should do
 as you're told at all times
 uncomfortable. What
 should I do?
 ll take your place, Arthur
 TIP
 The answer may not be
 obvious at first
 A game for kids and g
 Everyone has a right to sleeping
 with your mother. Tm sorry that it
 makes you uncomfortable.
 THE PROBLEM
 Binky bathed with my
 mother, and now they're
 sleeping together too.
 It's making my dad mad
 This sounds like an issue that you
 should arrange a serious discussio
 with your mother about
 and it makes me feel
 uncomfortable, too.
 What should I do
 Nobody said you can't join us
 Arthur
 TIP
 1 am so fucking mad
 game for kids and grow
 Arthur I appreciate youre
 troubled but Im out of advice.
 THE PROBLEM
 with my mom, and it
 looks like Binky is my
 dad now. Idon't really
 understad... I feel
 confused and upset
 What should I do?
 It's okay Arthur, Binky is my father
 too.
 Arthur help me
 TIP
 You should go to bed
 son