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Bitch, Click, and God: flyandfamousblackgirls: drdrunkpigeon-phd: abstractandedgyname: libertarirynn: paradise-dream222: flyandfamousblackgirls: Shae Scott: “This is why I don’t date ugly guys..” I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. Holy fuck y’all are conceited. Those men are dodging bullets. Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!! So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point. Who the absolute fuck said any of that shit in this thread?
Bitch, Click, and God: flyandfamousblackgirls:

drdrunkpigeon-phd:

abstractandedgyname:

libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!

So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Who the absolute fuck said any of that shit in this thread?

flyandfamousblackgirls: drdrunkpigeon-phd: abstractandedgyname: libertarirynn: paradise-dream222: flyandfamousblackgirls: Shae Scott: ...

Bitch, Friends, and Fucking: Trade Pokmon Auricular Nintendo DS and secrets with your friends! Trade you my WeaVile Cor MUnChla ays some nintendo Wi-Fi MunChlax is pretty hot.. fry again. Go to NintendoWiFi.comm to get started! Selection may vary at retail. Games, system, and headset sold separately. Pokéde tabaquis-barking: kiyotakamine: kiyotakamine: munchlax is pretty hot happy 10 year anniversary of munchlax being pretty hot Actually know what reblogging again bc the girl with the white ds knows what the FUCK is up and pink girl is either a dumbass or a scammer. In DPP (Diamond/Pearl/Platinum) sneasel shows up on five different routes, and then evolves into weavile when leveled with a razor claw at night. Razor claws aren’t hard to find either, so while there’s minimal effort involved here, weavile isn’t really special. Munchlax, though? Jesus fuck. Jesus fucking christ. Munchlax in DPP is one of the most difficult Pokémon in ANY of the games—if not the absolute most difficult. DPP has a mechanic where you could slather honey on certain trees, and six hours later a Pokémon would turn up on the tree. Several of the Pokémon you could get this way were common, but some could ONLY be obtained from honey trees. You couldn’t change the DS system’s time to speed things up, because the trees ran on their own counter—so you HAD to wait six hours for a Pokémon to show up. It gets worse. There were 21 of these honey trees in the game, and regardless of the tree’s location, and tree could summon any of the “honey tree Pokémon…” Except. Fucking. Munchlax. Only FOUR trees in the game had the potential to summon Munchlax. Which trees, you ask? Guess. No, literally, take a fucking guess—because the four trees that can summon Munchlax are decided at random based on your trainer ID and secret ID. There is NO way to determine which trees they are unless you feel like hacking into your game’s data and then doing some weird complicated math. That’s not all. You thought that was all? You thought Munchlax was a merciful god that would take pity on your tiny, pathetic body? Oh no. Not even close. Munchlax isn’t done with you yet, Munchlax is going to peel you like a fucking mango and laugh while you cry. Munchlax only has a 1% encounter rate. ONE. PERCENT. As in 1/100. So to recap—4/21 honey trees (and you don’t know which ones) have a 1% chance of summoning this little motherfucker once every six hours. That’s it. No fast tracking, no cheats, and no workarounds. Munchlax in DPP is the holy grail of hard to find Pokémon. And pinky here has the AUDACITY to offer the MUCH more easily obtainable weavile for it. Fuck that. Fuck that!!! White DS girl knows what the FUCK is up!!! In conclusion; Munchlax is pretty hot… Try again. Bitch.
Bitch, Friends, and Fucking: Trade Pokmon
 Auricular Nintendo DS
 and secrets
 with your
 friends!
 Trade you my
 WeaVile
 Cor
 MUnChla
 ays some
 nintendo
 Wi-Fi
 MunChlax
 is pretty hot..
 fry again.
 Go to
 NintendoWiFi.comm
 to get started!
 Selection may vary at retail. Games, system, and headset sold separately.
 Pokéde
tabaquis-barking:
kiyotakamine:

kiyotakamine:
munchlax is pretty hot
happy 10 year anniversary of munchlax being pretty hot

Actually know what reblogging again bc the girl with the white ds knows what the FUCK is up and pink girl is either a dumbass or a scammer. 
In DPP (Diamond/Pearl/Platinum) sneasel shows up on five different routes, and then evolves into weavile when leveled with a razor claw at night. Razor claws aren’t hard to find either, so while there’s minimal effort involved here, weavile isn’t really special.
Munchlax, though? Jesus fuck. Jesus fucking christ. Munchlax in DPP is one of the most difficult Pokémon in ANY of the games—if not the absolute most difficult. DPP has a mechanic where you could slather honey on certain trees, and six hours later a Pokémon would turn up on the tree. Several of the Pokémon you could get this way were common, but some could ONLY be obtained from honey trees. You couldn’t change the DS system’s time to speed things up, because the trees ran on their own counter—so you HAD to wait six hours for a Pokémon to show up.
It gets worse. There were 21 of these honey trees in the game, and regardless of the tree’s location, and tree could summon any of the “honey tree Pokémon…”
Except. Fucking. Munchlax.
Only FOUR trees in the game had the potential to summon Munchlax. Which trees, you ask? Guess. No, literally, take a fucking guess—because the four trees that can summon Munchlax are decided at random based on your trainer ID and secret ID. There is NO way to determine which trees they are unless you feel like hacking into your game’s data and then doing some weird complicated math.
That’s not all. You thought that was all? You thought Munchlax was a merciful god that would take pity on your tiny, pathetic body? Oh no. Not even close. Munchlax isn’t done with you yet, Munchlax is going to peel you like a fucking mango and laugh while you cry. 
Munchlax only has a 1% encounter rate. 
ONE. PERCENT. As in 1/100. 
So to recap—4/21 honey trees (and you don’t know which ones) have a 1% chance of summoning this little motherfucker once every six hours. That’s it. No fast tracking, no cheats, and no workarounds. Munchlax in DPP is the holy grail of hard to find Pokémon.
And pinky here has the AUDACITY to offer the MUCH more easily obtainable weavile for it. Fuck that. Fuck that!!! White DS girl knows what the FUCK is up!!!
In conclusion;
Munchlax is pretty hot… Try again.

Bitch.

tabaquis-barking: kiyotakamine: kiyotakamine: munchlax is pretty hot happy 10 year anniversary of munchlax being pretty hot Actually know ...

Bad, Cookies, and Dad: Godzilla Tag Yourself That Ain't Falco Didn't forget what you did -Best in track -Is there Grumpy Cat Butterfly I say your justice qoes too far! -Sometimes smol Good dad r you but Badderfly justice doesn't go you mock in -drives environmentally -Good Babysitter -Is on your side Einstein -Wants everyone to be friends middle school too far enough! friendly car Can count how many -Wasn't invited -Screams moth friend wants to be helpful are about fensive on one hand. -Kinda Selish -Needs to slow down Boba Fett Didn't do much Kanga-Rex Palpatine Kamacurry -Mob mentality -Always blends in -Tries st kicks uly Talks big game Itsy Bitsy -loved by all -Great at extreme sports Doeshtgive a hood Moral Support -Awesome -Kinda overrated -Only one who sees the big picture -Stunt double ary aks big Cam Might not even be real Has the laugh that gets everyone going -Secretly a toad pams twitch chat school -Makes a egg casserole Literal grime Savage even when not trying -Used to be a big deal -Don't disturb -Got big plans SPAAACE Monty Mole r but doesn't rare Is just here to raise the roof. Mecha Ghidio u but smarter -Sophisticated horoscope reader -Probably had too much coffee-Just wants to rule the world -Back by unpopular demand Little Shop of Horrors -Who are you? I'm you but less privileged -Has taken up a new leaf handlla s but thinks he could -Knows there isn't a spoon. All according to plan -Won't leave his couch fort a trench coat a pokemon Sill is hut can't kiss Is probably only good because it benefits him -ls in a bad mood and fixing to take it out on you -ls so done all the timeA Frieza Switches to vour main after beating you in smash bros -Looks up to Jason Voorhees s hetter than Knows it Lovebirds -Brings a tactical warhead on first date -cocky teens Lil Green -Awkward phase Diggersby -smoler -picks on things more e True Armadillo Facts Red Lobster Mis Ghidio the downtrodder -Good with electronics Hates spicy foods -Good guard dog -Came to attack people and is having a good time l -pure -Didn't ask for this small than him -Didn't deserve any of this -Except for that one time -Surprisingly Reliable T peo -Notorious party crasher -Easy Target ple's hero -Won't die -has regrets -Came for f T -esteem F-Type Master Splinter Titanic Tuna Is with the wrong crowd nut learned ett tt in Megatron - Has no clue what you? I'm vou Robot Chicken of JUSTICE but shinier he's doing ececut bimself in -Lonely piggyback rides -Communicates -Doesn't know why he's here but is happy to help is head -Goodenforcer Hator mat woodshop Edgemeister anybody's way mbs ups Has the best pokerface-Will conquer the worldSneaks by auoting fortune cookies List of skills include bi best breaking things sily influenced Has 50 different Will wreck you in karaoke -Is there for you -Never not smiling -Good cop in to ways to kill you -big bro friend his tunes Fullmetal Kirby Flygon Grouchy Kitty -Who are you? not you, Who are you? I'm you but aping-Who are you? I'm a bug Who are you? The terminator have promising future Still voung at heart" -I don't have that. I need it.-Listens to Three Days Grace on full blast Still does? The queen imlot of crap for Insecure -Intentionally has dog poop your lawn Came to ruin everything Now brute forces everything -It's mine now eating habits -Identity crisis -Most expressive -ls a black belt Mayhe redeemable -Just wants to go on a family picnic .Drinks tears -killed a man plays a golden fiddle -beloved scum andrewtheamericandude: Some of these are stupid jokes that even I don’t get 
Bad, Cookies, and Dad: Godzilla Tag Yourself
 That Ain't Falco
 Didn't forget what you did -Best in track
 -Is there
 Grumpy Cat
 Butterfly
 I say your justice qoes too far!
 -Sometimes smol
 Good dad
 r you but
 Badderfly
 justice doesn't go
 you mock in
 -drives environmentally
 -Good Babysitter
 -Is on your side Einstein -Wants everyone to be friends
 middle school
 too far enough!
 friendly car
 Can count how many
 -Wasn't invited
 -Screams
 moth friend
 wants to be helpful
 are about
 fensive
 on one hand.
 -Kinda Selish
 -Needs to slow down
 Boba Fett
 Didn't do much
 Kanga-Rex
 Palpatine
 Kamacurry
 -Mob mentality
 -Always blends in
 -Tries
 st kicks
 uly
 Talks big game
 Itsy Bitsy
 -loved by all
 -Great at extreme sports Doeshtgive a hood
 Moral Support
 -Awesome
 -Kinda overrated
 -Only one who sees the
 big picture
 -Stunt double
 ary
 aks big Cam
 Might not even be real
 Has the laugh that
 gets everyone going
 -Secretly a toad
 pams twitch chat
 school
 -Makes a
 egg casserole
 Literal grime
 Savage even when
 not trying
 -Used to be a big deal
 -Don't disturb
 -Got big plans
 SPAAACE
 Monty Mole
 r but doesn't rare
 Is just here to raise the roof.
 Mecha Ghidio
 u but smarter
 -Sophisticated horoscope reader
 -Probably had too much coffee-Just wants to rule the world
 -Back by unpopular demand
 Little Shop of Horrors
 -Who are you? I'm you but
 less privileged
 -Has taken up a new leaf
 handlla s but thinks he could
 -Knows there isn't a spoon.
 All according to plan
 -Won't leave his couch fort
 a trench coat
 a pokemon
 Sill is hut can't kiss
 Is probably only good because it
 benefits him
 -ls in a bad mood and fixing
 to take it out on you
 -ls so done all the timeA
 Frieza
 Switches to vour main after
 beating you in smash bros
 -Looks up to Jason Voorhees
 s hetter than
 Knows it
 Lovebirds
 -Brings a tactical warhead on first date
 -cocky teens
 Lil Green
 -Awkward phase
 Diggersby
 -smoler
 -picks on things more
 e
 True Armadillo Facts
 Red Lobster
 Mis
 Ghidio
 the
 downtrodder
 -Good with electronics Hates spicy foods
 -Good guard dog
 -Came to attack people and is having a good time
 l
 -pure
 -Didn't ask for this
 small than him
 -Didn't deserve any of this
 -Except for that one time
 -Surprisingly Reliable
 T peo
 -Notorious party crasher
 -Easy Target
 ple's hero
 -Won't die
 -has regrets
 -Came for f
 T -esteem
 F-Type
 Master Splinter
 Titanic Tuna
 Is with the wrong crowd nut learned
 ett tt in
 Megatron
 - Has no clue what
 you? I'm vou
 Robot Chicken
 of JUSTICE
 but shinier
 he's doing
 ececut bimself in
 -Lonely
 piggyback rides
 -Communicates
 -Doesn't know why he's here
 but is happy to help
 is head
 -Goodenforcer
 Hator mat
 woodshop
 Edgemeister
 anybody's way
 mbs ups Has the best pokerface-Will conquer the worldSneaks by auoting fortune cookies
 List of skills include
 bi best
 breaking things
 sily influenced
 Has 50 different
 Will wreck you in karaoke
 -Is there for you
 -Never not smiling
 -Good cop
 in to
 ways to kill you
 -big bro friend
 his tunes
 Fullmetal
 Kirby
 Flygon
 Grouchy Kitty
 -Who are you?
 not you,
 Who are you? I'm you but aping-Who are you? I'm a bug
 Who are you? The terminator
 have promising future
 Still voung at heart"
 -I don't have that. I need it.-Listens to Three Days Grace
 on full blast
 Still does?
 The queen
 imlot of crap for Insecure
 -Intentionally has dog poop
 your lawn
 Came to ruin everything
 Now brute forces everything
 -It's mine now
 eating habits
 -Identity crisis
 -Most expressive
 -ls a black belt
 Mayhe redeemable
 -Just wants to go on a family picnic
 .Drinks tears
 -killed a man
 plays a golden fiddle
 -beloved scum
andrewtheamericandude:

Some of these are stupid jokes that even I don’t get 

andrewtheamericandude: Some of these are stupid jokes that even I don’t get 

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...

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...