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Birthday, Comfortable, and Confidence: reddit-tales What has been your worst "nice guy" experience? So, possibly one of the coolest things I've ever seen. I mean you know how you hear the "women want him, men want to *be* him" stuff in old movies? Well I'm a man and by *god* I wanted to be this guy. Anyway! I'm having dinner with my girlfriend at the time, and behind us are a couple on a not going well. Guy was being I rather inappropriate comments, the girl doesn't look at all comfortable. The girl finishes her appetiser really quickly my guess is she wanted to get it over with. Guy proceeds to comment on it and says "well, least I know you can swallow right?" Loudly Girl goes red and tells him that isn't appropriate, he literally waves his hand in a "shoo" type motion and says "oh calm down I was going to find out in a few hours anyway" I missed her exact re as she moved to a hushed tone, but it was fairly obvious what was being said-fuck no, fuck off, fuck this. He responded with "sweetheart I picked lost the colour in her face and said nothing. No. No. Fuck no. I'm one of those "get involved" type of people and there is no way I'm sitting here watching this go down. I get up. I don't know what I'm going to do, but I'm 23, fighting fit and happy to put that motherfucker through a wall. I may have had a slight temper in my youth. But anyway. I was halfway out of my chair when a hand came down on my shoulder and I look up to this mid-50s but super fit guy who says "Easy. I've got this one son". Absolute, total confidence in his voice.. so seeing as my current plan amounted to "stab him in the neck" and I'm already thinking maybe that's not the best idea, I sit down. He walks over, grabs a nearby chair, flips it around and sits down with the couple. Then.. he pulls out his police ID and puts it on the table. Now the guy doesn't have any colour in his face Cop: "So, I'm quietly celebrating my daughters birthday with my family when I distinctly hear you threaten this young lady, would you care to explain yourself?" Guy: "I, ah, well, um, you see. Cop: "That's what I thought. Now see, we take a *very* dim view of that kind of thing, so right now I'm deciding if I want to have some of my buddies come pick you up" Guy: "oh no well that..." Cop: "But that would disrupt everyone's dinner, so how about you hand me your ID, me, the dn't want yhe staff here and settle your bill., the full bill now, this young lady shouldn't go hungry on account of your poor behaviour. Or we can go with the first option, I'll leave it up to you. Guy: "No no! That's perfectly fine!" 1*hands over ID, gets up and walks very quickly in the direction of the counter Cop: while writing down the guys details 1* "Sorry about that miss, I hope I'm not intruding it just seemed like you could use some help. Oh and don't worry, if you want to pursue this further I'll have some of the boys pick him up on his way home, we can definitely take this further. Girl: "No, thank you so much, I wanted to run out 30 minutes ago but he drove me here". Cop: *shifts from hardarse cop to comforting father figure in about half a second* "Well I'm here with my daughter, she's about your age, perhaps you'd like to finish your meal with us? We can run you home afterwards if you'd like, unless you'd prefer to call someone else?" Girl: "Oh.. that would be really nice.. thankyou so much! *guy returns, so does the hardarse cop* Guy: "Uh so, I've paid the bill, if I could have back.". my Cop: "There you go. now I have your details right here so I *highly* recommend you don't go near or contact this young lady ever again. Guy: "Yes yes of course, I'm so sorry!" The quy pretty much fled the restaurant, the qirl went and sat with the cop and his family and by the time we left they were still sitting around talking and laughing about random crap. It was hands down the best way I have ever seen anybody handle any situation, ever. That cop is my hero. malicemanaged Dude. I hope that man has a great rest of his life. Wholesome cop via /r/wholesomememes https://ift.tt/2SkCLRT
Birthday, Comfortable, and Confidence: reddit-tales
 What has been your worst
 "nice guy" experience?
 So, possibly one of the coolest things I've
 ever seen. I mean you know how you hear the
 "women want him, men want to *be* him"
 stuff in old movies? Well I'm a man and by
 *god* I wanted to be this guy. Anyway!
 I'm having dinner with my girlfriend at
 the time, and behind us are a couple on a
 not going well. Guy was being
 I
 rather
 inappropriate comments, the girl doesn't
 look at all comfortable.
 The girl finishes her appetiser really quickly
 my guess is she wanted to get it over with.
 Guy proceeds to comment on it and says
 "well, least I know you can swallow right?"
 Loudly
 Girl goes red and tells him that isn't
 appropriate, he literally waves his hand in
 a "shoo" type motion and says "oh calm
 down I was going to find out in a few hours
 anyway"
 I missed her exact re
 as she moved to a
 hushed tone, but it was fairly obvious what
 was being said-fuck no, fuck off, fuck this.
 He responded with "sweetheart I picked
 lost the
 colour in her face and said nothing.
 No. No. Fuck no. I'm one of those "get
 involved" type of people and there is no way
 I'm sitting here watching this go down. I get
 up. I don't know what I'm going to do, but
 I'm 23, fighting fit and happy to put that
 motherfucker through a wall. I may have had
 a slight temper in my youth. But anyway.
 I was halfway out of my chair when a hand
 came down on my shoulder and I look up
 to this mid-50s but super fit guy who says
 "Easy. I've got this one son". Absolute, total
 confidence in his voice.. so seeing as my
 current plan amounted to "stab him in the
 neck" and I'm already thinking maybe that's
 not the best idea, I sit down.
 He walks over, grabs a nearby chair, flips it
 around and sits down with the couple. Then..
 he pulls out his police ID and puts it on the
 table. Now the guy doesn't have any colour in
 his face
 Cop: "So, I'm quietly celebrating my
 daughters birthday with my family when I
 distinctly hear you threaten this young lady,
 would you care to explain yourself?"
 Guy: "I, ah, well, um, you see.
 Cop: "That's what I thought. Now see, we
 take a *very* dim view of that kind of thing,
 so right now I'm deciding if I want to have
 some of my buddies come pick you up"
 Guy: "oh no well that..."
 Cop: "But that would disrupt everyone's
 dinner, so how about you hand me your ID,
 me, the dn't want yhe staff here and
 settle your bill., the full bill now, this young
 lady shouldn't go hungry on account of your
 poor behaviour. Or we can go with the first
 option, I'll leave it up to you.
 Guy: "No no! That's perfectly fine!" 1*hands
 over ID, gets up and walks very quickly in the
 direction of the counter
 Cop: while writing down the guys details
 1* "Sorry about that miss, I hope I'm not
 intruding it just seemed like you could use
 some help. Oh and don't worry, if you want
 to pursue this further I'll have some of the
 boys pick him up on his way home, we can
 definitely take this further.
 Girl: "No, thank you so much, I wanted to run
 out 30 minutes ago but he drove me here".
 Cop: *shifts from hardarse cop to
 comforting father figure in about half a
 second* "Well I'm here with my daughter,
 she's about your age, perhaps you'd like to
 finish your meal with us? We can run you
 home afterwards if you'd like, unless you'd
 prefer to call someone else?"
 Girl: "Oh.. that would be really nice.. thankyou
 so much!
 *guy returns, so does the hardarse cop*
 Guy: "Uh so, I've paid the bill, if I could have
 back.".
 my
 Cop: "There you go. now I have your details
 right here so I *highly* recommend you
 don't go near or contact this young lady ever
 again.
 Guy: "Yes yes of course, I'm so sorry!"
 The quy pretty much fled the restaurant, the
 qirl went and sat with the cop and his family
 and by the time we left they were still sitting
 around talking and laughing about random
 crap.
 It was hands down the best way I have ever
 seen anybody handle any situation, ever. That
 cop is my hero.
 malicemanaged
 Dude. I hope that man has a great rest of his
 life.
Wholesome cop via /r/wholesomememes https://ift.tt/2SkCLRT

Wholesome cop via /r/wholesomememes https://ift.tt/2SkCLRT

Community, Drugs, and Homeless: an account you reported @babadookspinoza Follow "Giving people homes" YEAH NO SHIT When Europe gets it right It's a miracle': Helsinki's radical solution to homelessness Finland is the only EU country where homelessness is falling. Its secret? Giving people homes as soon as they need them- unconditionally 3:34 PM -3 Jun 2019 3,568 Retweets 12,641 Likes Julesy @julesprom Follow "you can't just give people homes for free" actually you can and it turns out to be a cheaper alternative for cities and communities than having a homeless population "but no one wants to have to pay for all this" its literally cheaper and benefits everyone in the community an account you reported @babadookspinoza "Giving people homes" YEAH NO SHIT Is amiracle': Helsinki's radical solution to homelessness Show this thread y d 10:53 PM -3 Jun 2019 7,235 Retweets 16,637 Likes bemusedlybespectacled: jethroq: goawfma: who would have thought that the solution to homelessness is providing people with housing? 🧐 The solution isn’t 100% perfect, there’s a lot of people who aren’t technically homeless because they live with other people for free etc. but yeah this does majorly help reduce risks for vulnerable people. Here’s the big thing about it that might scandalize Americans even more so than the idea of free housing: you don’t have to do anything to “deserve it.” Most countries use what’s called “the staircase model” – you start by being in shelter, then maybe a halfway house, then permanent housing. You can “move up” by going through rehab or getting a job or accessing other services. The idea is that housing is something you get as a reward for good behavior, not something you get by right.But with the housing first model, you get the house first, and then deal with everything else. It’s a lot easier to stop using drugs and alcohol when you have other ways to pass the time and aren’t under constant stress. It’s a lot easier to get a job when you have an address to put on your applications. It’s a lot easier to treat mental illness when you’re in a safe place that doesn’t add to your fear and pain. But if your mentality is that housing is something only the morally pure and socially acceptable deserve, and the only way to get it is for people to jump through hoops to prove their goodness, then of course you’re going to hate this model.
Community, Drugs, and Homeless: an account you reported
 @babadookspinoza
 Follow
 "Giving people homes" YEAH NO SHIT
 When Europe gets it right
 It's a miracle': Helsinki's
 radical solution to
 homelessness
 Finland is the only EU country where
 homelessness is falling. Its secret? Giving
 people homes as soon as they need them-
 unconditionally
 3:34 PM -3 Jun 2019
 3,568 Retweets 12,641 Likes

 Julesy
 @julesprom
 Follow
 "you can't just give people homes for
 free"
 actually you can and it turns out to be a
 cheaper alternative for cities and
 communities than having a homeless
 population
 "but no one wants to have to pay for all
 this"
 its literally cheaper and benefits
 everyone in the community
 an account you reported @babadookspinoza
 "Giving people homes" YEAH NO SHIT
 Is amiracle': Helsinki's
 radical solution to
 homelessness
 Show this thread
 y
 d
 10:53 PM -3 Jun 2019
 7,235 Retweets 16,637 Likes
bemusedlybespectacled:

jethroq:
goawfma:
who would have thought that the solution to homelessness is providing people with housing? 🧐
The solution isn’t 100% perfect, there’s a lot of people who aren’t technically homeless because they live with other people for free etc. but yeah this does majorly help reduce risks for vulnerable people.

Here’s the big thing about it that might scandalize Americans even more so than the idea of free housing: you don’t have to do anything to “deserve it.” Most countries use what’s called “the staircase model” – you start by being in shelter, then maybe a halfway house, then permanent housing. You can “move up” by going through rehab or getting a job or accessing other services. The idea is that housing is something you get as a reward for good behavior, not something you get by right.But with the housing first model, you get the house first, and then deal with everything else. It’s a lot easier to stop using drugs and alcohol when you have other ways to pass the time and aren’t under constant stress. It’s a lot easier to get a job when you have an address to put on your applications. It’s a lot easier to treat mental illness when you’re in a safe place that doesn’t add to your fear and pain. But if your mentality is that housing is something only the morally pure and socially acceptable deserve, and the only way to get it is for people to jump through hoops to prove their goodness, then of course you’re going to hate this model.

bemusedlybespectacled: jethroq: goawfma: who would have thought that the solution to homelessness is providing people with housing? 🧐 The s...

Community, Drugs, and Homeless: an account you reported @babadookspinoza Follow "Giving people homes" YEAH NO SHIT When Europe gets it right It's a miracle': Helsinki's radical solution to homelessness Finland is the only EU country where homelessness is falling. Its secret? Giving people homes as soon as they need them- unconditionally 3:34 PM -3 Jun 2019 3,568 Retweets 12,641 Likes Julesy @julesprom Follow "you can't just give people homes for free" actually you can and it turns out to be a cheaper alternative for cities and communities than having a homeless population "but no one wants to have to pay for all this" its literally cheaper and benefits everyone in the community an account you reported @babadookspinoza "Giving people homes" YEAH NO SHIT Is amiracle': Helsinki's radical solution to homelessness Show this thread y d 10:53 PM -3 Jun 2019 7,235 Retweets 16,637 Likes bemusedlybespectacled: jethroq: goawfma: who would have thought that the solution to homelessness is providing people with housing? 🧐 The solution isn’t 100% perfect, there’s a lot of people who aren’t technically homeless because they live with other people for free etc. but yeah this does majorly help reduce risks for vulnerable people. Here’s the big thing about it that might scandalize Americans even more so than the idea of free housing: you don’t have to do anything to “deserve it.” Most countries use what’s called “the staircase model” – you start by being in shelter, then maybe a halfway house, then permanent housing. You can “move up” by going through rehab or getting a job or accessing other services. The idea is that housing is something you get as a reward for good behavior, not something you get by right.But with the housing first model, you get the house first, and then deal with everything else. It’s a lot easier to stop using drugs and alcohol when you have other ways to pass the time and aren’t under constant stress. It’s a lot easier to get a job when you have an address to put on your applications. It’s a lot easier to treat mental illness when you’re in a safe place that doesn’t add to your fear and pain. But if your mentality is that housing is something only the morally pure and socially acceptable deserve, and the only way to get it is for people to jump through hoops to prove their goodness, then of course you’re going to hate this model.
Community, Drugs, and Homeless: an account you reported
 @babadookspinoza
 Follow
 "Giving people homes" YEAH NO SHIT
 When Europe gets it right
 It's a miracle': Helsinki's
 radical solution to
 homelessness
 Finland is the only EU country where
 homelessness is falling. Its secret? Giving
 people homes as soon as they need them-
 unconditionally
 3:34 PM -3 Jun 2019
 3,568 Retweets 12,641 Likes

 Julesy
 @julesprom
 Follow
 "you can't just give people homes for
 free"
 actually you can and it turns out to be a
 cheaper alternative for cities and
 communities than having a homeless
 population
 "but no one wants to have to pay for all
 this"
 its literally cheaper and benefits
 everyone in the community
 an account you reported @babadookspinoza
 "Giving people homes" YEAH NO SHIT
 Is amiracle': Helsinki's
 radical solution to
 homelessness
 Show this thread
 y
 d
 10:53 PM -3 Jun 2019
 7,235 Retweets 16,637 Likes
bemusedlybespectacled:

jethroq:
goawfma:
who would have thought that the solution to homelessness is providing people with housing? 🧐
The solution isn’t 100% perfect, there’s a lot of people who aren’t technically homeless because they live with other people for free etc. but yeah this does majorly help reduce risks for vulnerable people.

Here’s the big thing about it that might scandalize Americans even more so than the idea of free housing: you don’t have to do anything to “deserve it.” Most countries use what’s called “the staircase model” – you start by being in shelter, then maybe a halfway house, then permanent housing. You can “move up” by going through rehab or getting a job or accessing other services. The idea is that housing is something you get as a reward for good behavior, not something you get by right.But with the housing first model, you get the house first, and then deal with everything else. It’s a lot easier to stop using drugs and alcohol when you have other ways to pass the time and aren’t under constant stress. It’s a lot easier to get a job when you have an address to put on your applications. It’s a lot easier to treat mental illness when you’re in a safe place that doesn’t add to your fear and pain. But if your mentality is that housing is something only the morally pure and socially acceptable deserve, and the only way to get it is for people to jump through hoops to prove their goodness, then of course you’re going to hate this model.

bemusedlybespectacled: jethroq: goawfma: who would have thought that the solution to homelessness is providing people with housing? 🧐 The s...

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...

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 “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
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 “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

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

Definitely, Grandma, and Hello: coastward answered a scam call today and had the most bizarre conversation coastward scam caller: hello, how are you today? me: great! scam caller: good. I'm calling because your IP address has been compromised. I'll just need you to get in front of your computer so we can get your account fixed up me: okay! there is one thing I'm wondering, though scam caller: what? me: you really couldn't think of a better lie? scam caller: me: like, my "IP address has been compromised." How, exactly, does an IP address become "compromised"? scam caller: me: I was just wondering, is all scam caller: why did you answer? me: me: what? scam caller: if you knew this wasn't a legitimate call, then why did you answer? me: oh, I just though I would have some fun at your expense scam caller: what expense? talking is no expense to me. me: well, you're currently not accomplishing your goal scam caller: my goal? me: your goal of scamming my elderly grandmother. You're not accomplishing that. Il'd call that an expense scam caller: well, can I scam you? me: me: did you- did you ask if you can scam me? scam caller: yes. can I scam you? me, baffled: sure, you can try scam caller: you need to get in front of your computer me: yeah, that's still a problem. I'm eating tater tots right now andI really don't feel like getting up scam caller: okay. I will call you tomorrow morning, then me: I might not answer. My grandma definitely won't. scam caller: You answered today. me: .touché? scam caller: I will call you tomorrow. Have a good day. neko-ritsu Enemies to lovers, slow burn, 500K
Definitely, Grandma, and Hello: coastward
 answered a scam call today and had the most bizarre
 conversation
 coastward
 scam caller: hello, how are you today?
 me: great!
 scam caller: good. I'm calling because your IP
 address has been compromised. I'll just need you to
 get in front of your computer so we can get your
 account fixed up
 me: okay! there is one thing I'm wondering, though
 scam caller: what?
 me: you really couldn't think of a better lie?
 scam caller:
 me: like, my "IP address has been compromised."
 How, exactly, does an IP address become
 "compromised"?
 scam caller:
 me: I was just wondering, is all
 scam caller: why did you answer?
 me:
 me: what?
 scam caller: if you knew this wasn't a legitimate call,
 then why did you answer?
 me: oh, I just though I would have some fun at your
 expense
 scam caller: what expense? talking is no expense to
 me.
 me: well, you're currently not accomplishing your
 goal
 scam caller: my goal?
 me: your goal of scamming my elderly grandmother.
 You're not accomplishing that. Il'd call that an
 expense
 scam caller: well, can I scam you?
 me:
 me: did you- did you ask if you can scam me?
 scam caller: yes. can I scam you?
 me, baffled: sure, you can try
 scam caller: you need to get in front of your
 computer
 me: yeah, that's still a problem. I'm eating tater tots
 right now andI really don't feel like getting up
 scam caller: okay. I will call you tomorrow morning,
 then
 me: I might not answer. My grandma definitely
 won't.
 scam caller: You answered today.
 me: .touché?
 scam caller: I will call you tomorrow. Have a good
 day.
 neko-ritsu
 Enemies to lovers, slow burn, 500K

Af, Books, and Community: ti skerb Retweeted Shan AF RJ mesa 15 - AF SP mesa 71 @ShanaBRX Jun 14 Fuck everyone who whines about ao3 News All News May 2019 Newsletter, Volume 135 Published: Thu 13 Jun 2019 01:03PM 03 Comments: 4 Recently, the Archive of Our Own has received an influx of new Chinese users, a result of tightening content restrictions on other platforms. We would like to extend our warmest welcome to them, and remind everyone that our committees are working to make AO3 as accessible as possible in languages other than English Read more... 20 t 2.8K 6.4K Show this thread ao3tagoftheday: zoe2213414: eabevella: naryrising: You can read the post here for more info, but I wanted to just add a bit about what this entails from my POV, on the Support team.  Somewhere between ¼ to 1/3 of all our tickets last month were in Chinese (somewhere upwards of 300 out of 1200 or so), almost all from users just setting up their accounts or trying to find out how to get an invitation.  A lot of the tickets are what I’d characterize as “intro” tickets - they say hi, list favourite fandoms or pairings, or provide samples of fic they’ve written. Although this isn’t necessary on AO3, this is not uncommon in Chinese fandom sites that you have to prove your credentials to get in (in fact it wasn’t uncommon in English-language fandom sites 15-20 years ago).  We respond to all of these tickets, even the ones that just say hi.  We check whether the user has managed to receive their invite or get their account sent up, and if they haven’t, we help them do so.  This means taking every single ticket through our Chinese translation team twice, once so we make sure we understand the initial ticket, and then again to translate our reply.  This is a challenging process, although we’ve found ways to streamline it and can normally get a reply out pretty quickly (like within a few days).  We do it because this is part of why AO3 exists in the first place - to provide a safe haven where users can post their works without worrying about censorship or sudden crackdowns on certain kinds of content.  We do it because this is important, and helping these users get their accounts and be able to share their works safely is why we’re here.  We hope that we’ll be able to help as many of them as possible.   There have been a few (thankfully few, that I’ve seen) complaints about these new AO3 users not always knowing how things work - what language to tag with, or what fandom tags to use, for instance.  To this I would say: 1. Have patience and be considerate.  They are coming to a new site that they aren’t familiar with, and using it in a language they may not be expert in, and it might take a while to learn the ropes.  You can filter out works tagged in Chinese if you don’t want to see them.  Or just scroll past.   2. You can report works tagged with the wrong language or the wrong fandom to our Policy and Abuse team using the link at the bottom of any page.  This will not cause the authors to “get in trouble” (a concern I’ve heard before, as people are reluctant to report for these reasons).  It means the Policy and Abuse team will contact them to ask them to change the language/fandom tag, and if the creator doesn’t, they can edit it directly.  If you remember Strikethrough or the FF.net porn ban or similar purges, please keep them in mind and consider that these users are going through something similar or potentially worse.  This is why AO3 exists.  We are doing our best to try and help make the transition smooth.   I am a Taiwanese and I’d like to put some context behind the recent influx of China based AO3 users. China is tightening their freedom of speech in recent years after Xi has became the chairman (he even canceled the 10 years long term of service of chairman, meaning he can stay as the leader of China as long as he lives–he has became a dictator). They censor words that are deemed “sensitive”, you can’t type anything to criticize the chinise government. Big social media platform won’t even post the posts containing sensitive words. You don’t have the freedom of publish books without the books being approved by the government either. To disguise this whole Ninety Eighty-Four nightmare, they started to pick on the easy target: the women and the minorities (China is getting more and more misogynistic as a result of the government trying to control their male population through encouraging them to control the female population through “chinese tradition family value” but that’s another story). Last year, the chinese government arrested a woman who is a famous yaoi/BL novel writer named 天一 and sentenced her 10 years in jail for “selling obscene publications” and “illegal publication” (she’s not the only BL writer who got arrested. Meanwhile, multiple cases where men raped women only get about 2 years of jail time in China). It’s a warning to anyone who want to publish anything that’s “not approved” by the government that they can literally ruin you.  Just recently the chinese government “contacted” website owners of one of their largest romance/yaoi/slash fiction sites 晉江 and announced that for now on, for the sake of a Clean Society, they can’t write anything that’s slightly “obscene”. No sex scene, no sexual interaction, they can’t even write any bodily interaction below neck (I’m not kidding here). But that’s not their actual goal. They also listed other restriction such as: can’t write anything that’s about the government, the military, the police, “sensitive history”, “race problems”, which is… you basically can’t write anything that might be used as a tool to criticize the government (as many novels did). This recent development really hurt the chinese fanfic writers. They can’t write anything without the fear of being put on the guillotine by the government to show their control. Most of them don’t even think that deep politically, they just want to write slash fictions. But there are no platform safe in China, that’s why the sudden influx of chinese users to AO3. I bet it won’t be long before AO3 got banned in China, but until then, be a little bit patient to them. As much as I hate the chinese government, I pity their people. I’m crying so loud…As a Chinese, you don’t know how your kindness meant to us. When I’m young, I read 1984, and I thought this story is so unrealistic, but now, it’s getting tougher and tougher for fanfic and the writer in China. Thank you ao3. Thank you for the people who care about Chinese people. (hope I didn’t spell anything wrong) Hi everyone! As much as I poke fun at ao3 culture on this blog, I love the platform and the community and I’m glad that it can function as a refuge for Chinese fans, both writers and readers.So followers! I encourage you all to be welcoming and helpful to Chinese fans joining us on ao3 and to be patient as the platform figures out how to integrate them. If any of you are Chinese speakers and are inclined to volunteer with ao3, I’m sure that would be appreciated. As for the rest of us, let’s remember that ao3 exists as a sanctuary for our community, especially exactly those parts of it that are most at risk under Chinese censorship (lgbt+ content, explicit fics, etc.) and let’s take this opportunity to be grateful that our community has worked together so well for so long in order to create this sanctuary. I’m delighted that that effort can now be helpful to Chinese fans facing censorship, and I’m excited to see how Chinese fans and fan culture will interact and co-create with English speaking fandom.And with that, I’m off to slip ao3 an extra 10 dollars.
Af, Books, and Community: ti skerb Retweeted
 Shan AF RJ mesa 15 - AF SP mesa 71 @ShanaBRX Jun 14
 Fuck everyone who whines about ao3
 News
 All News
 May 2019 Newsletter, Volume 135
 Published: Thu 13 Jun 2019 01:03PM 03 Comments: 4
 Recently, the Archive of Our Own has received an influx of
 new Chinese users, a result of tightening content restrictions
 on other platforms. We would like to extend our warmest
 welcome to them, and remind everyone that our committees
 are working to make AO3 as accessible as possible in
 languages other than English
 Read more...
 20
 t 2.8K
 6.4K
 Show this thread
ao3tagoftheday:

zoe2213414:
eabevella:

naryrising:

You can read the post here for more info, but I wanted to just add a bit about what this entails from my POV, on the Support team.  Somewhere between ¼ to 1/3 of all our tickets last month were in Chinese (somewhere upwards of 300 out of 1200 or so), almost all from users just setting up their accounts or trying to find out how to get an invitation.  A lot of the tickets are what I’d characterize as “intro” tickets - they say hi, list favourite fandoms or pairings, or provide samples of fic they’ve written. Although this isn’t necessary on AO3, this is not uncommon in Chinese fandom sites that you have to prove your credentials to get in (in fact it wasn’t uncommon in English-language fandom sites 15-20 years ago).  We respond to all of these tickets, even the ones that just say hi.  We check whether the user has managed to receive their invite or get their account sent up, and if they haven’t, we help them do so.  This means taking every single ticket through our Chinese translation team twice, once so we make sure we understand the initial ticket, and then again to translate our reply. 
This is a challenging process, although we’ve found ways to streamline it and can normally get a reply out pretty quickly (like within a few days).  We do it because this is part of why AO3 exists in the first place - to provide a safe haven where users can post their works without worrying about censorship or sudden crackdowns on certain kinds of content.  We do it because this is important, and helping these users get their accounts and be able to share their works safely is why we’re here.  We hope that we’ll be able to help as many of them as possible.  
There have been a few (thankfully few, that I’ve seen) complaints about these new AO3 users not always knowing how things work - what language to tag with, or what fandom tags to use, for instance.  To this I would say:
1. Have patience and be considerate.  They are coming to a new site that they aren’t familiar with, and using it in a language they may not be expert in, and it might take a while to learn the ropes.  You can filter out works tagged in Chinese if you don’t want to see them.  Or just scroll past.  
2. You can report works tagged with the wrong language or the wrong fandom to our Policy and Abuse team using the link at the bottom of any page.  This will not cause the authors to “get in trouble” (a concern I’ve heard before, as people are reluctant to report for these reasons).  It means the Policy and Abuse team will contact them to ask them to change the language/fandom tag, and if the creator doesn’t, they can edit it directly. 
If you remember Strikethrough or the FF.net porn ban or similar purges, please keep them in mind and consider that these users are going through something similar or potentially worse.  This is why AO3 exists.  We are doing our best to try and help make the transition smooth.  

I am a Taiwanese and I’d like to put some context behind the recent influx of China based AO3 users.
China is tightening their freedom of speech in recent years after Xi has became the chairman (he even canceled the 10 years long term of service of chairman, meaning he can stay as the leader of China as long as he lives–he has became a dictator). 
They censor words that are deemed “sensitive”, you can’t type anything to criticize the chinise government. Big social media platform won’t even post the posts containing sensitive words. You don’t have the freedom of publish books without the books being approved by the government either.
To disguise this whole Ninety Eighty-Four nightmare, they started to pick on the easy target: the women and the minorities (China is getting more and more misogynistic as a result of the government trying to control their male population through encouraging them to control the female population through “chinese tradition family value” but that’s another story). 
Last year, the chinese government arrested a woman who is a famous yaoi/BL novel writer named 天一 and sentenced her 10 years in jail for “selling obscene publications” and “illegal publication” (she’s not the only BL writer who got arrested. Meanwhile, multiple cases where men raped women only get about 2 years of jail time in China). It’s a warning to anyone who want to publish anything that’s “not approved” by the government that they can literally ruin you.  
Just recently the chinese government “contacted” website owners of one of their largest romance/yaoi/slash fiction sites 
晉江

and announced that for now on, for the sake of a Clean Society, they can’t write anything that’s slightly “obscene”. No sex scene, no sexual interaction, they can’t even write any bodily interaction below neck (I’m not kidding here). 
But that’s not their actual goal. They also listed other restriction such as: can’t write anything that’s about the government, the military, the police, “sensitive history”, “race problems”, which is… you basically can’t write anything that might be used as a tool to criticize the government (as many novels did). 
This recent development really hurt the chinese fanfic writers. They can’t write anything without the fear of being put on the guillotine by the government to show their control. Most of them don’t even think that deep politically, they just want to write slash fictions. But there are no platform safe in China, that’s why the sudden influx of chinese users to AO3. 
I bet it won’t be long before AO3 got banned in China, but until then, be a little bit patient to them. As much as I hate the chinese government, I pity their people. 


I’m crying so loud…As a Chinese, you don’t know how your kindness meant to us. When I’m young, I read 1984, and I thought this story is so unrealistic, but now, it’s getting tougher and tougher for fanfic and the writer in China. Thank you ao3. Thank you for the people who care about Chinese people. (hope I didn’t spell anything wrong)


Hi everyone! As much as I poke fun at ao3 culture on this blog, I love the platform and the community and I’m glad that it can function as a refuge for Chinese fans, both writers and readers.So followers! I encourage you all to be welcoming and helpful to Chinese fans joining us on ao3 and to be patient as the platform figures out how to integrate them. If any of you are Chinese speakers and are inclined to volunteer with ao3, I’m sure that would be appreciated. As for the rest of us, let’s remember that ao3 exists as a sanctuary for our community, especially exactly those parts of it that are most at risk under Chinese censorship (lgbt+ content, explicit fics, etc.) and let’s take this opportunity to be grateful that our community has worked together so well for so long in order to create this sanctuary. I’m delighted that that effort can now be helpful to Chinese fans facing censorship, and I’m excited to see how Chinese fans and fan culture will interact and co-create with English speaking fandom.And with that, I’m off to slip ao3 an extra 10 dollars.

ao3tagoftheday: zoe2213414: eabevella: naryrising: You can read the post here for more info, but I wanted to just add a bit about what th...