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Bailey Jay, Family, and Get Money: Cancel Your Credit Card Before You Die A lady died this past January, and the bank billed her for February and March for their annual service charges on her credit card, and added late fees and interest on the monthly charge. The balance had been $0.00 when she died, but now somewhere around $60.00. A family member placed a call to the Bank Here is the exchange Family Member: am calling to tell you she died back in January Bank The account was never closed and the late fees and charges stil apply. Family Member : 'Maybe, you should turn it over to collections. Bank: 'Since it is two months past due, it already has been.' Family Member So, what will they do when they find out she is dead?' Bank: 'Either report her account to frauds division or report her to the credit bureau, maybe both!' Family Member 'Do you think God will be mad at her?' Bank: 'Excuse me?' Family Member: 'Did you just get what I was telling you - the part about her being dead?' Bank: 'Sir, you'll have to speak to my supervisor.' Supervisor gets on the phone: Family Member 'I'm calling to tell you, she died back in January with a $0 balance. Bank: 'The account was never closed and late fees and charges still apply.' Family Member from her estate?' Bank (Stammer) 'Are you her lawyer?' Family Member 'No, I'm her great nephew. (Lawyer info was given) Bank: 'Could you fax us a certificate of death?' Family Member 'Sure. (Fax number was given) You mean you want to collect After they get the fax Bank: 'Our system just isn't setup for death. I don't know what more I can do to help. Family Member 'Well, if you figure it out, great! If not, you could just keep billing her. She won't care. Bank: 'Well, the late fees and charges do still apply. (What is wrong with these people?1?) Family Member: 'Would you like her new billing address?' Bank: That might help... Family Member: 'Odessa Memorial Cemetery Highway 129, Plot Number 69.' Bank: 'Sir, that's a cemetery ! Family Member: 'And what do you do with dead people on your planet? ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your grave and harass your grieving family until they pay One of my cousins passed away unexpectedly at the age of 35, and had been paying back a loan from the bank. About two weeks after his death, my great aunt received a statement from the bank (his mail was being delivered to her house) about a late payment. She called the bank and explained the situation and the only thing a manager could say was “Well, that’s unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.” On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle’s $5,000 loan. She’s a disabled retiree, on a fixed income, and could barely afford to pay for her insulin for diabetes. She nearly lost her home of more than 40 years. Fuck the system. She didn’t need to pay. When people die, their debts are not their family’s responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn’t cosign the loan and isn’t executing the will. Debts and Deceased Relatives Here’s a link to the detail on that one. Banks count on people not knowing that last comment so that they can still get money They really do. My great-grandmother had her identity stolen before she died at the age of 93, and thousands of charges were racked up on credit cards in her name. After she passed away, they called my mother to try and collect. My mom laughed at them, and told them: “She’s dead, good luck collecting.” The credit card asked my mother, “Don’t you want to clear your grandmother’s debts? Don’t you want to clear her good name?” My mom laughed at them again. “No,” she said. “Because a 90 year old wasn’t watching porn with those credit cards, and her name is fine. Don’t give credit cards to old women likely to pass away soon. This is on you.” Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren’t your own. They often can’t even collect that money from the estate, if there is one, depending on how you write your will and what kind of account the money was kept in. DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. If a loved one of yours dies and bill collectors (credit cards, loans, etc etc) start calling you off the hook and request that you pay off their debts, tell them in no uncertain terms to go fuck themselves. The reason being is that the moment you give them a single penny, that debt is now on YOU because you’ve now agreed to pay it off. Do not agree to pay off their debt. Do not pass go, do not give them $200.
Bailey Jay, Family, and Get Money: Cancel Your Credit Card Before
 You Die
 A lady died this past January, and the bank billed
 her for February and March for their annual service
 charges on her credit card, and added late fees and
 interest on the monthly charge. The balance had
 been $0.00 when she died, but now somewhere
 around $60.00. A family member placed a call to
 the Bank

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

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

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

niniblack:

eudoxiav:


lawful-evil-novelist:

theludicrousrival:


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

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


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


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


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

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

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

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

ohgoditsneph: niniblack: eudoxiav: lawful-evil-novelist: theludicrousrival: billiam-spockspeare: Capitalism will put the bill on your...

Amazon, Ass, and Dildo: bandtshirt jillz @JillyKila Amazon got me fucked up tellin all my business!!! 5:01 PM.1/14/19 Twitter for iPhone LMAO00000000 theblackd4hlia no but seriously one time i ordered something from adam & eve (surprise a big ol dildo) and the order said discreet shipping and i was like cool ya know cause i lived with three dudes in an apartment and also had to go to the apartment office to pick up my package so discreet is dope and i got the package delivery notification like sick im about to dick myself so i walked my happy horny ass down to the office and told the lady my name and she went into the package delivery room to grab it and it took her a minute and she came out with a dick shaped bag just grasping the shaft of it and i looked at it mortified and had to grab the balls part of the package from the woman and she let go and it just wiggled and i could feel the squish through the bag and it was just horrible anonbuddha If it's any consolation, I get it. I'm a trans guy who wears a packer. One day I was in the restroom and pulled my pants down. I realy had to go so l did it fast and the magnet clip came undone and my dick flopped out of my boxers and bounced into the stall next to me The OCCUPIED stall next to me. I wanted to die. There was this horrible forever silence moments. Then the dude just goes, Uh, you dropped your dick man," and nudges it over with his foot i havent laughed this hard in a month via /r/memes http://bit.ly/2DXBsD0
Amazon, Ass, and Dildo: bandtshirt
 jillz
 @JillyKila
 Amazon got me fucked up tellin all
 my business!!!
 5:01 PM.1/14/19 Twitter for iPhone
 LMAO00000000
 theblackd4hlia
 no but seriously one time i ordered something from adam & eve (surprise a big
 ol dildo) and the order said discreet shipping and i was like cool ya know cause
 i lived with three dudes in an apartment and also had to go to the apartment
 office to pick up my package so discreet is dope and i got the package delivery
 notification like sick im about to dick myself so i walked my happy horny ass
 down to the office and told the lady my name and she went into the package
 delivery room to grab it and it took her a minute and she came out with a dick
 shaped bag just grasping the shaft of it and i looked at it mortified and had to
 grab the balls part of the package from the woman and she let go and it just
 wiggled and i could feel the squish through the bag and it was just horrible
 anonbuddha
 If it's any consolation, I get it. I'm a trans guy who wears a packer. One day I
 was in the restroom and pulled my pants down. I realy had to go so l did it fast
 and the magnet clip came undone and my dick flopped out of my boxers and
 bounced into the stall next to me
 The OCCUPIED stall next to me.
 I wanted to die. There was this horrible forever silence moments. Then the
 dude just goes, Uh, you dropped your dick man," and nudges it over with his
 foot
i havent laughed this hard in a month via /r/memes http://bit.ly/2DXBsD0

i havent laughed this hard in a month via /r/memes http://bit.ly/2DXBsD0

Amazon, Ass, and Dank: bandtshirt jillz @JillyKila Amazon got me fucked up tellin all my business!!! 5:01 PM.1/14/19 Twitter for iPhone LMAO00000000 theblackd4hlia no but seriously one time i ordered something from adam & eve (surprise a big ol dildo) and the order said discreet shipping and i was like cool ya know cause i lived with three dudes in an apartment and also had to go to the apartment office to pick up my package so discreet is dope and i got the package delivery notification like sick im about to dick myself so i walked my happy horny ass down to the office and told the lady my name and she went into the package delivery room to grab it and it took her a minute and she came out with a dick shaped bag just grasping the shaft of it and i looked at it mortified and had to grab the balls part of the package from the woman and she let go and it just wiggled and i could feel the squish through the bag and it was just horrible anonbuddha If it's any consolation, I get it. I'm a trans guy who wears a packer. One day I was in the restroom and pulled my pants down. I realy had to go so l did it fast and the magnet clip came undone and my dick flopped out of my boxers and bounced into the stall next to me The OCCUPIED stall next to me. I wanted to die. There was this horrible forever silence moments. Then the dude just goes, Uh, you dropped your dick man," and nudges it over with his foot i havent laughed this hard in a month by macmoosie MORE MEMES
Amazon, Ass, and Dank: bandtshirt
 jillz
 @JillyKila
 Amazon got me fucked up tellin all
 my business!!!
 5:01 PM.1/14/19 Twitter for iPhone
 LMAO00000000
 theblackd4hlia
 no but seriously one time i ordered something from adam & eve (surprise a big
 ol dildo) and the order said discreet shipping and i was like cool ya know cause
 i lived with three dudes in an apartment and also had to go to the apartment
 office to pick up my package so discreet is dope and i got the package delivery
 notification like sick im about to dick myself so i walked my happy horny ass
 down to the office and told the lady my name and she went into the package
 delivery room to grab it and it took her a minute and she came out with a dick
 shaped bag just grasping the shaft of it and i looked at it mortified and had to
 grab the balls part of the package from the woman and she let go and it just
 wiggled and i could feel the squish through the bag and it was just horrible
 anonbuddha
 If it's any consolation, I get it. I'm a trans guy who wears a packer. One day I
 was in the restroom and pulled my pants down. I realy had to go so l did it fast
 and the magnet clip came undone and my dick flopped out of my boxers and
 bounced into the stall next to me
 The OCCUPIED stall next to me.
 I wanted to die. There was this horrible forever silence moments. Then the
 dude just goes, Uh, you dropped your dick man," and nudges it over with his
 foot
i havent laughed this hard in a month by macmoosie
MORE MEMES

i havent laughed this hard in a month by macmoosie MORE MEMES

College, Definitely, and Fall: "But you don?, Renee said, more of were waitiog for colege boys who d grown u anir". İlr dutn't know how to tell then that the only col- t hode well for their somantic years ahead Karen looked at her phone Ten mniutes till you rNeiher ot, them had dated mucfh, awearing "Do I seem like the kind of you're trying ro kit s after I cried the first four tines. knew m any depth was his own brother, and Karen said. INNER PEACE! + she sald, You wane us to sJow down so you This stopped them both. ralk to Wnde well ger it over with," he said, handing the The bows and arrows didn't have half a the gun. *Thanks, though. I trace the eineケ party tomight? Rener said, again shyly do you ask like thate Just... easier when you know some- s to be there." 七here are·ar ember of warmth in his gut earnal or wistfol or indeed eishtul d it, simply unexpected rush that he found him to or mcant ir as she said emeerb b with tears in his eyes I'II definitely be there. pe roodbye and walked the length of ds Wade's office, fecling the best or shaking ott Marty's sting. ight be possible s the day wore unvil Wade FALL .T tend nearly a 2i a gh a shadow had crept across me of the other mature Ger th ferivitics Sic heir desire for drink and joll to withdraw they nruly crow rdon wonder OCTOBER FlA the cov the spine. now other T WT the creature d the are unable to i widening. G the feeling that the wastned thing was sturing from behind its blank Out in the circle one o opponent too enthusi moment the claws a na rose talk escape, Gordon wa: so that ECOLINE But yo u don't," Renee said, more of an order than they were waiting for college be to tel a question. "Do you're trying to kill something? They left me at after I cried the first four times. I seem like the kind of son you want around if agreement. Neither of them had lege boy he knew in any depth w that didn't bode well for their ron " she said, “You want little". He didn't know how " Your family is messed up," Karen said Adam sighed. This stopped them both. At the super-Christian college?" Karen asked. People with really stiff morals are easier Found out this morning Marty got a Karen looked at her phone. girl pregnant. off, Adam, don't have to talk to Wade?" "I might as well get it over wit keys to Rence. The bows and ar ty tonight? ask like t stcasier INNER PEACE! +タ Rence rit's the whenwell travel be there. , I trace the line og the wny would trace there are ember or wis meant tears in 'll definitel oodbye and ds Wade's o y. If not sha might be po nearly a f FALL n," Wad ihat t t ecore sat 97 this Gordon seem UEA gh a shadow had crept across th te sivities. eof the other mature Ge heir desire for drink and jo , to withdraw, m nruly crowd. rdon wonder of the cov g the spine now other hav OCTOBER lik the r PLAYLTST re the creature nd the area se dening. G d, unable to ric the feeling that the usnined thing was staring im from behind its blank Out in the circle one of 22 23 2ฯ 2.3 26277 23 3 3 opponent too enthusi moment the claws a na rose Gerrn blo ing in ur paeoures, cousi will leave escape, Gordon wa shed speaking. But, n her, so that Gordon
College, Definitely, and Fall: "But you don?, Renee said, more of
 were waitiog for colege boys who d grown u
 anir". İlr dutn't know how to tell then that the only col-
 t hode well for their somantic years ahead
 Karen looked at her phone Ten mniutes till you
 rNeiher ot, them had dated mucfh, awearing
 "Do I seem like the kind of
 you're trying ro kit s
 after I cried the first four tines.
 knew m any depth was his own brother, and
 Karen said.
 INNER PEACE! +
 she sald, You wane us to sJow down so you
 This stopped them both.
 ralk to Wnde
 well ger it over with," he said, handing the
 The bows and arrows didn't have half a
 the gun. *Thanks, though.
 I trace the eineケ
 party tomight? Rener said, again shyly
 do you ask like thate
 Just... easier when you know some-
 s to be there."
 七here are·ar
 ember of warmth in his gut
 earnal or wistfol or indeed eishtul
 d it, simply
 unexpected rush that he found him
 to or
 mcant ir as she said
 emeerb b
 with tears in his eyes
 I'II definitely be there.
 pe
 roodbye and walked the length of
 ds Wade's office, fecling the best
 or shaking ott Marty's sting.
 ight be possible s the day wore
 unvil Wade
 FALL
 .T
 tend
 nearly a
 2i a
 gh a shadow had crept across
 me of the other mature Ger
 th ferivitics Sic
 heir desire for drink and joll
 to withdraw
 they
 nruly crow
 rdon wonder
 OCTOBER
 FlA
 the cov
 the spine.
 now other
 T WT
 the creature
 d the are
 unable to i
 widening. G
 the feeling that the wastned thing was sturing
 from behind its blank
 Out in the circle one o
 opponent too enthusi
 moment the claws a
 na rose
 talk
 escape, Gordon wa:
 so that
 ECOLINE

 But yo
 u don't," Renee said, more of an order than
 they were waiting for college be
 to tel
 a question.
 "Do
 you're trying to kill something? They left me at
 after I cried the first four times.
 I seem like the kind of son you want around if
 agreement. Neither of them had
 lege boy he knew in any depth w
 that didn't bode well for their ron
 " she said, “You want
 little". He didn't know how
 " Your family is messed up," Karen said
 Adam sighed.
 This stopped them both.
 At the super-Christian college?" Karen asked.
 People with really stiff morals are easier
 Found out this morning Marty got a
 Karen looked at her phone.
 girl pregnant.
 off, Adam,
 don't have to talk to Wade?"
 "I might as well get it over wit
 keys to Rence. The bows and ar
 ty tonight?
 ask like t
 stcasier
 INNER PEACE! +タ
 Rence
 rit's the
 whenwell travel
 be there.
 ,
 I trace the line og
 the wny would trace
 there are
 ember
 or wis
 meant
 tears in
 'll definitel
 oodbye and
 ds Wade's o
 y. If not sha
 might be po
 nearly a f
 FALL
 n," Wad
 ihat t t ecore
 sat
 97
 this Gordon seem
 UEA
 gh a shadow had crept across th te sivities.
 eof the other mature Ge
 heir desire for drink and jo
 , to withdraw, m
 nruly crowd.
 rdon wonder
 of the cov
 g the spine
 now other
 hav
 OCTOBER
 lik
 the r
 PLAYLTST
 re the creature
 nd the area se
 dening. G
 d, unable to ric
 the feeling that the usnined thing was staring
 im from behind its blank
 Out in the circle one of
 22 23 2ฯ 2.3 26277
 23 3 3
 opponent too enthusi
 moment the claws a
 na rose
 Gerrn
 blo
 ing in
 ur paeoures, cousi
 will leave
 escape, Gordon wa
 shed speaking. But,
 n her, so that Gordon
Beef, Ipad, and Steve Jobs: fuiru One of my favourite Steve Jobs stories was the time the engineers working on the iPod brought their finished prototype to him in his office. He said it was too big, they needed to make it smaller. They said it was as small as they could make it, it couldn't be made any smaller. So he took the prototype over to his aquarium and dropped it in. The iPod sank to the bottom, and as it did, tiny little bubbles came out. 'See those bubbles,' he asked. 'They're air inside the iPod. Make it smaller. "Another story about Steve Jobs was when they brought the prototype for the iPad 2 to his office. The engineers told him it was faster than the first iPad. He took it over to his aquarium and dropped it in. Look how slowly it sank, he told them. Make it faster One time a newly hired intern had been sent out to get Steve a sandwich. When she brought it to him, he looked at it. 1 thought I ordered the beef on rye," he asked. She told him it was indeed beef on rye. He took it over to his fish tank and dropped it in. "Does that look like beef on rye?' He was always dropping things in that fish tank. We couldn't stop him. We told him he had to stop, he wouldn't listen. It was full of stuff that shouldn't be in an aquarium. The fish had all died years ago. One had been crushed under an early generation iMac. The others were all poisoned. He didn't care It got to the point where there was no room for anything in the fish tank. When we emptied it after he died, we found a body in there. We never found out who it was." That doesnt sound right, but I dont know enough about Steve Jobs to dispute it
Beef, Ipad, and Steve Jobs: fuiru
 One of my favourite Steve Jobs stories was the time the engineers
 working on the iPod brought their finished prototype to him in his office. He
 said it was too big, they needed to make it smaller. They said it was as
 small as they could make it, it couldn't be made any smaller. So he took
 the prototype over to his aquarium and dropped it in. The iPod sank to the
 bottom, and as it did, tiny little bubbles came out. 'See those bubbles,' he
 asked. 'They're air inside the iPod. Make it smaller.
 "Another story about Steve Jobs was when they brought the prototype for
 the iPad 2 to his office. The engineers told him it was faster than the first
 iPad. He took it over to his aquarium and dropped it in. Look how slowly it
 sank, he told them. Make it faster
 One time a newly hired intern had been sent out to get Steve a sandwich.
 When she brought it to him, he looked at it. 1 thought I ordered the beef on
 rye," he asked. She told him it was indeed beef on rye. He took it over to
 his fish tank and dropped it in. "Does that look like beef on rye?'
 He was always dropping things in that fish tank. We couldn't stop him. We
 told him he had to stop, he wouldn't listen. It was full of stuff that shouldn't
 be in an aquarium.
 The fish had all died years ago. One had been crushed under an early
 generation iMac. The others were all poisoned. He didn't care
 It got to the point where there was no room for anything in the fish tank.
 When we emptied it after he died, we found a body in there. We never
 found out who it was."
That doesnt sound right, but I dont know enough about Steve Jobs to dispute it

That doesnt sound right, but I dont know enough about Steve Jobs to dispute it