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    Consumer: The consumer
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: The consumer
                
            

            
            
The consumer

            
            
        

    



        

        
        

            







    Consumer: ophidahlia:
Coca-Cola (and Dixie Cup) pioneered the recycling movement in the 40’s to get people to return valuable glass bottles by charging almost half of the cost of the drink in a returnable fee. Nearly everyone returned their bottles; it was a huge success. When they switched to plastic in the 50’s it became more profitable to just toss bottles away so they used shell organizations to secretly lobby congress and senates to kill recycling bills while simultaneously creating massive ad campaigns to convince the public that recycling was all the consumer’s responsibility. This isn’t a conspiracy theory, it’s public knowledge that gets drowned out in the noise made by their PR firms. 
Last year Coca-Cola was still up to the same environmental villainry. More recycling advertising campaigns and killed bottle-fee bills which have been long proven to massively boost recycling rates but also push the cost of recycling from the consumer onto the manufacturer. That’s also detailed in the previous link. 
Don’t ever make the mistake of thinking that large corporations care about this world or anything in it other than profit. They’ll engage in charity as an investment if the campaign offers good return for their brand value and public image, but don’t think for a second we can get capitalists to behave ethically through any other means than forcing them to do it. 

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: ophidahlia:
Coca-Cola (and Dixie Cup) pioneered the recycling movement in the 40’s to get people to return valuable glass bottles by charging almost half of the cost of the drink in a returnable fee. Nearly everyone returned their bottles; it was a huge success. When they switched to plastic in the 50’s it became more profitable to just toss bottles away so they used shell organizations to secretly lobby congress and senates to kill recycling bills while simultaneously creating massive ad campaigns to convince the public that recycling was all the consumer’s responsibility. This isn’t a conspiracy theory, it’s public knowledge that gets drowned out in the noise made by their PR firms. 
Last year Coca-Cola was still up to the same environmental villainry. More recycling advertising campaigns and killed bottle-fee bills which have been long proven to massively boost recycling rates but also push the cost of recycling from the consumer onto the manufacturer. That’s also detailed in the previous link. 
Don’t ever make the mistake of thinking that large corporations care about this world or anything in it other than profit. They’ll engage in charity as an investment if the campaign offers good return for their brand value and public image, but don’t think for a second we can get capitalists to behave ethically through any other means than forcing them to do it. 

                
            

            
            
ophidahlia:
Coca-Cola (and Dixie Cup) pioneered the recycling movement in the 40’s to get people to return valuable glass bottles by char...

            
            
        

    



        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            







    Consumer: 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.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: 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:
Capit...

            
            
        

    



        

        
        

            







    Consumer: 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 

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: 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:
Capit...

            
            
        

    



        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            







    Consumer: Cancel Your Credit Card Before
 You Die
 A lady died this past January, and the bank billed
 her for February and March for their annual service
 charges on her credit card, and added late fees and
 interest on the monthly charge. The balance had
 been $0.00 when she died, but now somewhere
 around $60.00. A family member placed a call to
 the Bank

 Here is the exchange
 Family Member: am calling to tell you she died
 back in January
 Bank The account was never closed and the late
 fees and charges stil apply.
 Family Member : 'Maybe, you should turn it over to
 collections.
 Bank: 'Since it is two months past due, it already
 has been.'
 Family Member So, what will they do when they
 find out she is dead?'
 Bank: 'Either report her account to frauds division
 or report her to the credit bureau, maybe both!'
 Family Member 'Do you think God will be mad at
 her?'
 Bank: 'Excuse me?'

 Family Member: 'Did you just get what I was
 telling you -
 the part about her being dead?'
 Bank: 'Sir, you'll have to speak to my supervisor.'
 Supervisor gets on the phone:
 Family Member 'I'm calling to tell you, she died
 back in January with a $0 balance.
 Bank: 'The account was never closed and late fees
 and charges still apply.'
 Family Member
 from her estate?'
 Bank (Stammer) 'Are you her lawyer?'
 Family Member 'No, I'm her great nephew.
 (Lawyer info was given)
 Bank: 'Could you fax us a certificate of death?'
 Family Member 'Sure. (Fax number was given)
 You mean you want to collect

 After they get the fax
 Bank: 'Our system just isn't setup for death.
 I don't know what more I can do to help.
 Family Member 'Well, if you figure it out, great!
 If not, you could just keep billing her. She won't
 care.
 Bank: 'Well, the late fees and charges do still
 apply.
 (What is wrong with these people?1?)
 Family Member: 'Would you like her new billing
 address?'
 Bank: That might help...
 Family Member: 'Odessa Memorial Cemetery
 Highway 129, Plot Number 69.'
 Bank: 'Sir, that's a cemetery !
 Family Member: 'And what do you do with dead
 people on your planet?
ohgoditsneph:

niniblack:

eudoxiav:


lawful-evil-novelist:

theludicrousrival:


billiam-spockspeare:
Capitalism will put the bill on your grave and harass your grieving family until they pay

One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” 
On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. 


She didn’t need to pay.  When people die, their debts are not their family’s responsibility.
In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will.
Debts and Deceased Relatives
Here’s a link to the detail on that one.


Banks count on people not knowing that last comment so that they can still get money


They really do. 
My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.”
Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN.

If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves.
The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off.

Do not agree to pay off their debt. Do not pass go, do not give them $200.

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: Cancel Your Credit Card Before
 You Die
 A lady died this past January, and the bank billed
 her for February and March for their annual service
 charges on her credit card, and added late fees and
 interest on the monthly charge. The balance had
 been $0.00 when she died, but now somewhere
 around $60.00. A family member placed a call to
 the Bank

 Here is the exchange
 Family Member: am calling to tell you she died
 back in January
 Bank The account was never closed and the late
 fees and charges stil apply.
 Family Member : 'Maybe, you should turn it over to
 collections.
 Bank: 'Since it is two months past due, it already
 has been.'
 Family Member So, what will they do when they
 find out she is dead?'
 Bank: 'Either report her account to frauds division
 or report her to the credit bureau, maybe both!'
 Family Member 'Do you think God will be mad at
 her?'
 Bank: 'Excuse me?'

 Family Member: 'Did you just get what I was
 telling you -
 the part about her being dead?'
 Bank: 'Sir, you'll have to speak to my supervisor.'
 Supervisor gets on the phone:
 Family Member 'I'm calling to tell you, she died
 back in January with a $0 balance.
 Bank: 'The account was never closed and late fees
 and charges still apply.'
 Family Member
 from her estate?'
 Bank (Stammer) 'Are you her lawyer?'
 Family Member 'No, I'm her great nephew.
 (Lawyer info was given)
 Bank: 'Could you fax us a certificate of death?'
 Family Member 'Sure. (Fax number was given)
 You mean you want to collect

 After they get the fax
 Bank: 'Our system just isn't setup for death.
 I don't know what more I can do to help.
 Family Member 'Well, if you figure it out, great!
 If not, you could just keep billing her. She won't
 care.
 Bank: 'Well, the late fees and charges do still
 apply.
 (What is wrong with these people?1?)
 Family Member: 'Would you like her new billing
 address?'
 Bank: That might help...
 Family Member: 'Odessa Memorial Cemetery
 Highway 129, Plot Number 69.'
 Bank: 'Sir, that's a cemetery !
 Family Member: 'And what do you do with dead
 people on your planet?
ohgoditsneph:

niniblack:

eudoxiav:


lawful-evil-novelist:

theludicrousrival:


billiam-spockspeare:
Capitalism will put the bill on your grave and harass your grieving family until they pay

One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” 
On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. 


She didn’t need to pay.  When people die, their debts are not their family’s responsibility.
In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will.
Debts and Deceased Relatives
Here’s a link to the detail on that one.


Banks count on people not knowing that last comment so that they can still get money


They really do. 
My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.”
Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN.

If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves.
The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off.

Do not agree to pay off their debt. Do not pass go, do not give them $200.

                
            

            
            
ohgoditsneph:

niniblack:

eudoxiav:


lawful-evil-novelist:

theludicrousrival:


billiam-spockspeare:
Capitalism will put the bill on y...

            
            
        

    



        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            







    Consumer: Sprint LTE
 8:17 PM
 * 31%(10
 Home (3)
 Active now
 This might seem
 Hey
 totally random but I'm curious.
 What do you know about Pure
 Therapeutic Ketones and ketosis?
 Hey! I am diabetic. Ketones is
 byproduct of your body burning
 through fat. Once the fat is gone it
 starts burning your protein. Which is
 what your muscles and organs are
 made of. People who do the keto diet
 have to replace what is lost by the
 diet. That's why it's so fatty and
 protein based. People who are on it
 for too long can have kidney, liver
 heart, lung, and muscle damage
 Ketosis is what a lot of diabetic die
 from
 I don't diet. I portion control and eat
 healthy.
 Carbs are necessary for proper
 bodily functions.
 As a nurse you should know that.

 Sprint LTE
 9:02 PM
 * 25% @ }
 Home (3)
 Active now
 Hey girl, you seem to be really
 knowledgeable about this which is
 really awesome! Let me connect
 you with my friend Christen. She's
 a nurse and she has been drinking
 ketones for a really long time! She
 would totally be able to answer
 any questions you have. Are you
 open to that?
 Do you know what diabetic
 ketoacidosis is? I do. And it's from
 ketones. I was in the icu and almost
 died from it. My body was shutting
 down and if my friend wouldn't have
 brought me to the Er I would have
 gone into cardiac arrest and died at
 home with no help. I'm not the
 person to sell that stuff to. I can pull
 up numerous articles that actually
 have real statistics and medical proof
 backing up what this fad diet does to
 the human body. Liver failure, kidney
 failure, blindness, amputations of
 extremities, heart failure, neuropathy,
 and much much more. No one wants
 people researching this information

 Sprint LTE
 9:02 PM
 * 25%
 KHome (3) ctive
 Do you know what diabetic
 ketoacidosis is? I do. And it's from
 ketones. I was in the icu and almost
 died from it. My body was shutting
 down and if my friend wouldn't have
 brought me to the Er I would have
 gone into cardiac arrest and died at
 home with no help. I'm not the
 person to sell that stuff to. I can pull
 up numerous articles that actually
 have real statistics and medical proof
 backing up what this fad diet does to
 the human body. Liver failure, kidney
 failure, blindness, amputations of
 extremities, heart failure, neuropathy,
 and much much more. No one wants
 people researching this information
 because they are capitalizing on
 permanent damage and death for
 their own financial gain. People
 blindly start these diets without
 researching them. It will take years
 off of the lives of a lot of people and
 that means less time with the ones
 they love. I do not advocate the diet.
 But thank you for trying.

 I Sprint LTE ※
 9:12 PM
 ア* 23%
 a
 KHome (2)
 C0
 Active now
 researching them. It will take years
 off of the lives of a lot of people and
 that means less time with the ones
 they love. I do not advocate the diet.
 But thank you for trying.
 Ketosis and ketoacidosis are two
 totally different things. We are
 actually born in ketosis and stay
 that way until we are introduced to
 a traditional American diet. I totally
 respect your opinion though
 They are not. Ask a doctor like I did.
 Google it actually. Ketones put your
 body into a state of ketoacidosis
 Which is exactly what causes all of
 that. Americans need to stop eating
 processed foods and eating healthy.
 Plus getting up and being active is
 important to a
 balanced and healthy lifestyle.
 Americans are fooled by what's
 advertised and what's easy. As a
 consumer, it is our responsibility to
 be educated.

 Sprint LTE
 9:21 PM
 Home (2)
 Active now
 Americans are fooled by what's
 advertised and what's easy. As a
 consumer, it is our responsibility to
 be educated
 https:/thcliphd.com/video
 clip-516648776d4f4243676f464
 5
 Ketosis vs Diabetic Ketoacidosis
 Clip Ketosis vs Diabetic Ketoacidosis, video
 Ketosis vs Diabetic Ketoacidosis, video clip
 Ketosis vs Diabetic Ketoacidosis 720
 Ketosis vs Diabetic Ketoacidosis 1080,
 Ketosis vs Diabetic Ketoacidosis
 thcliphd.com
 I don't care. Shut up and go the fuck
 away. I thought you'd get that shit
 with the first response. Go away. Far
 away.
 00四0 Aa
Gotta love MLM's
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: Sprint LTE
 8:17 PM
 * 31%(10
 Home (3)
 Active now
 This might seem
 Hey
 totally random but I'm curious.
 What do you know about Pure
 Therapeutic Ketones and ketosis?
 Hey! I am diabetic. Ketones is
 byproduct of your body burning
 through fat. Once the fat is gone it
 starts burning your protein. Which is
 what your muscles and organs are
 made of. People who do the keto diet
 have to replace what is lost by the
 diet. That's why it's so fatty and
 protein based. People who are on it
 for too long can have kidney, liver
 heart, lung, and muscle damage
 Ketosis is what a lot of diabetic die
 from
 I don't diet. I portion control and eat
 healthy.
 Carbs are necessary for proper
 bodily functions.
 As a nurse you should know that.

 Sprint LTE
 9:02 PM
 * 25% @ }
 Home (3)
 Active now
 Hey girl, you seem to be really
 knowledgeable about this which is
 really awesome! Let me connect
 you with my friend Christen. She's
 a nurse and she has been drinking
 ketones for a really long time! She
 would totally be able to answer
 any questions you have. Are you
 open to that?
 Do you know what diabetic
 ketoacidosis is? I do. And it's from
 ketones. I was in the icu and almost
 died from it. My body was shutting
 down and if my friend wouldn't have
 brought me to the Er I would have
 gone into cardiac arrest and died at
 home with no help. I'm not the
 person to sell that stuff to. I can pull
 up numerous articles that actually
 have real statistics and medical proof
 backing up what this fad diet does to
 the human body. Liver failure, kidney
 failure, blindness, amputations of
 extremities, heart failure, neuropathy,
 and much much more. No one wants
 people researching this information

 Sprint LTE
 9:02 PM
 * 25%
 KHome (3) ctive
 Do you know what diabetic
 ketoacidosis is? I do. And it's from
 ketones. I was in the icu and almost
 died from it. My body was shutting
 down and if my friend wouldn't have
 brought me to the Er I would have
 gone into cardiac arrest and died at
 home with no help. I'm not the
 person to sell that stuff to. I can pull
 up numerous articles that actually
 have real statistics and medical proof
 backing up what this fad diet does to
 the human body. Liver failure, kidney
 failure, blindness, amputations of
 extremities, heart failure, neuropathy,
 and much much more. No one wants
 people researching this information
 because they are capitalizing on
 permanent damage and death for
 their own financial gain. People
 blindly start these diets without
 researching them. It will take years
 off of the lives of a lot of people and
 that means less time with the ones
 they love. I do not advocate the diet.
 But thank you for trying.

 I Sprint LTE ※
 9:12 PM
 ア* 23%
 a
 KHome (2)
 C0
 Active now
 researching them. It will take years
 off of the lives of a lot of people and
 that means less time with the ones
 they love. I do not advocate the diet.
 But thank you for trying.
 Ketosis and ketoacidosis are two
 totally different things. We are
 actually born in ketosis and stay
 that way until we are introduced to
 a traditional American diet. I totally
 respect your opinion though
 They are not. Ask a doctor like I did.
 Google it actually. Ketones put your
 body into a state of ketoacidosis
 Which is exactly what causes all of
 that. Americans need to stop eating
 processed foods and eating healthy.
 Plus getting up and being active is
 important to a
 balanced and healthy lifestyle.
 Americans are fooled by what's
 advertised and what's easy. As a
 consumer, it is our responsibility to
 be educated.

 Sprint LTE
 9:21 PM
 Home (2)
 Active now
 Americans are fooled by what's
 advertised and what's easy. As a
 consumer, it is our responsibility to
 be educated
 https:/thcliphd.com/video
 clip-516648776d4f4243676f464
 5
 Ketosis vs Diabetic Ketoacidosis
 Clip Ketosis vs Diabetic Ketoacidosis, video
 Ketosis vs Diabetic Ketoacidosis, video clip
 Ketosis vs Diabetic Ketoacidosis 720
 Ketosis vs Diabetic Ketoacidosis 1080,
 Ketosis vs Diabetic Ketoacidosis
 thcliphd.com
 I don't care. Shut up and go the fuck
 away. I thought you'd get that shit
 with the first response. Go away. Far
 away.
 00四0 Aa
Gotta love MLM's
                
            

            
            
Gotta love MLM's

            
            
        

    



        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            






        

        
        

            







    Consumer: interstellardragon:

curlicuecal:

hopeology:

andreajmars:

hopeology:


thebuttkingpost:

wheel-skellington:


crocutalupus:
x
why this dog look like an nvidia tech demo


High spec animal

Oh, I KNOW WHY! Rare video game tech knowledge to the rescue!
Animation of fur is really really hard, it’s effectively trying to animate, in real time, a few billion little strings. Noone can do that. Most consumer gaming computers would just burst into flame so that isn’t something people will do when modeling fur or hair. Instead, what animators and 3D modelers do in order to get around this is they form the fur into many layers of sheets or interlocking flexible bodies. Notice this animal has stiff fur, matted maybe from sweat or water. So when we watch the fur move our eyes and brains notice something we don’t notice on purpose. The fur isn’t moving individually, it’s moving in sheets and flexible bodies. There’s some slight movement and flexing, but it’s not “fur” like our brains want it to be, it’s “fur” in the way that fur is commonly animated! layers and flexible sheets! Also, light angles like this are common in animation to show the light being calculated across the body when it moves, so it looks familiar in the angle of the light too!


BLESS YOU 

I don’t think I’ve ever gotten such an excited happy reply to an info dump hehehe

oh cool i found someone explaining the thing


Lmao fun explanation but if anyone bothered to click the source, op already explained that it’s a real hyena clip with the frame rate slowed down. 

That… Doesn’t negate the explanation? At all? They weren’t saying it wasn’t a real photo, they were saying that the way the fur is matted contributes to the animated appearance.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Consumer: interstellardragon:

curlicuecal:

hopeology:

andreajmars:

hopeology:


thebuttkingpost:

wheel-skellington:


crocutalupus:
x
why this dog look like an nvidia tech demo


High spec animal

Oh, I KNOW WHY! Rare video game tech knowledge to the rescue!
Animation of fur is really really hard, it’s effectively trying to animate, in real time, a few billion little strings. Noone can do that. Most consumer gaming computers would just burst into flame so that isn’t something people will do when modeling fur or hair. Instead, what animators and 3D modelers do in order to get around this is they form the fur into many layers of sheets or interlocking flexible bodies. Notice this animal has stiff fur, matted maybe from sweat or water. So when we watch the fur move our eyes and brains notice something we don’t notice on purpose. The fur isn’t moving individually, it’s moving in sheets and flexible bodies. There’s some slight movement and flexing, but it’s not “fur” like our brains want it to be, it’s “fur” in the way that fur is commonly animated! layers and flexible sheets! Also, light angles like this are common in animation to show the light being calculated across the body when it moves, so it looks familiar in the angle of the light too!


BLESS YOU 

I don’t think I’ve ever gotten such an excited happy reply to an info dump hehehe

oh cool i found someone explaining the thing


Lmao fun explanation but if anyone bothered to click the source, op already explained that it’s a real hyena clip with the frame rate slowed down. 

That… Doesn’t negate the explanation? At all? They weren’t saying it wasn’t a real photo, they were saying that the way the fur is matted contributes to the animated appearance.
                
                

                
            

            
            
interstellardragon:

curlicuecal:

hopeology:

andreajmars:

hopeology:


thebuttkingpost:

wheel-skellington:


crocutalupus:
x
why this...