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Life Insurance: 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 鈥淲ell, that鈥檚 unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.鈥 On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle鈥檚 $5,000 loan. She鈥檚 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鈥檛 need to pay. When people die, their debts are not their family鈥檚 responsibility. In fact, it is outright illegal to try and collect those debts from a person who didn鈥檛 cosign the loan and isn鈥檛 executing the will. Debts and Deceased Relatives Here鈥檚 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: 鈥淪he鈥檚 dead, good luck collecting.鈥 The credit card asked my mother, 鈥淒on鈥檛 you want to clear your grandmother鈥檚 debts? Don鈥檛 you want to clear her good name?鈥 My mom laughed at them again. 鈥淣o,鈥 she said. 鈥淏ecause a 90 year old wasn鈥檛 watching porn with those credit cards, and her name is fine. Don鈥檛 give credit cards to old women likely to pass away soon. This is on you.鈥 Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren鈥檛 your own. They often can鈥檛 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鈥橳 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鈥檝e 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鈥檛 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鈥檛 (which is not to say that they don鈥檛 try). You have a legal right to order them not to contact you via letter.
Life Insurance: 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 鈥淲ell, that鈥檚 unfortunate. We can arrange so payments will resume in 30 days, that should be enough time to have already paid for the other arrangements.鈥 
On top of the unexpected $10,000 funeral, cremation and burial bill, my aunt had to finish paying my uncle鈥檚 $5,000 loan. She鈥檚 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鈥檛 need to pay.  When people die, their debts are not their family鈥檚 responsibility.
In fact, it is outright illegal to try and collect those debts from a person who didn鈥檛 cosign the loan and isn鈥檛 executing the will.
Debts and Deceased Relatives
Here鈥檚 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: 鈥淪he鈥檚 dead, good luck collecting.鈥 The credit card asked my mother, 鈥淒on鈥檛 you want to clear your grandmother鈥檚 debts? Don鈥檛 you want to clear her good name?鈥 My mom laughed at them again. 鈥淣o,鈥 she said. 鈥淏ecause a 90 year old wasn鈥檛 watching porn with those credit cards, and her name is fine. Don鈥檛 give credit cards to old women likely to pass away soon. This is on you.鈥
Which is how I learned as a young child to always question collection agents, and to never pay off debts that aren鈥檛 your own. They often can鈥檛 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鈥橳 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鈥檝e 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鈥檛 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鈥檛 (which is not to say that they don鈥檛 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...

Life Insurance: And you guys have the nerve to call me a liar you had the nerve to try and act like my friend stand and see the sadness I was in friend me on Facebook, and then post pictures of my husband that you came from by God knows who to probably purposely interfere and feed him lies or you both were in on it together, COPS thats Who you both probably work for or you recruited him and he really did love me in the beginning your probably not even the real girl he was talking to l bet your whole identity fake, well l'm going to find out everything about you who you both are, and if it's the last thing I ever dol promise you that now l'm taking the private investigatorsrt on A and proof he, hired and sent You can't reply to this conversation. Learn More paid, to purposely inflict mental duress and trigger my PTSD I thought the was you on the nanny cam but see that's why A didn't get a dime, because he Was sloppy in the beginning And betweens, I knew he was cheating and using me and apart of publicly outing me after the wedding to create mental dehabilitation ive got all your names identities and pictures but atleastni figured it out before I was stupid enough to buy a car or pay a attorney it's you and him that hack my electronics vou were the one moving my stuff and hiding it when you were over here fucking him you both are perfect for each other psychopaths liars users and snakes but I promise you if l do it with my last breath I'm going to mak J 'e he goes to jail and if I'm 谢褍 I'll get all of You can't reply to this conversation. Learn More jail and if l'm lucky l'll get all of you sent to jail. I just wonder though for he was recruited just b4 the wedding or from the beginning something tells me that it was from the beginning.. Karma so going to get you, and misery you caused and cause others will fall upon your life's and souls the child your bearing will carry your sins, the Hapiness you stole all for money or other things of this world you'll pay for with your souls. But my life long torture ends today no longer will any of you win, no longer will I fall for your mind games I'm going to fight back and win win win, you guys are something else all the proof I have when we go to court and I know that your not the only girl S aka P is involved but vou know what th lians say laugh now cry <er... You think You can't reply to this conversation. Learn More laugh now cry later... You think your going to get away but this isnt American soil this is Canadian land this is the queens country where we are guided by humans rights and truly governed by the UN. And the UN has no tolerance for Gangstalking! And tell A I'm not signing anything 'II see him behind bars I'm going to make sure all the evidence is displayed in divorce court too he can say 911 calls that l abused him little does he know I have recordings of the calls where vou can see him putting on this grandiose display of false crys all while smiling... I know I've been knew he was dirty A with the tiny tinky dick. The life insurance he pulled out in my name, this time I'm not going to let me be the sacrifice because I'm focused sober and mentally grounded no You can't reply to this conversation. Learn More to let me be the sacrifice because I'm focused sober and mentally grounded no longer are my thoughts emotional there logical and intellectual get ready for me to expose who and what you ppl really are with God has my leader and archangel Michael my protectors will conquer and destroy this evil psychopathic cult/USGovt extension although now with proof you exist and names photos recordings I don't think the govt of Canada will be to pleased that the US has beern running unsanctioned operations within their borders.and nowI think it's time for thevUSB to be released You lost your mind. Leave me alone You can't reply to this conversation. Learn More This lady is convinced my fianc茅 is her husband in disguise. She thinks one of my friends is a bounty hunter from Texas sent by the Mexican cartel to steal her inheritance and ruin her relationship. (Idk if this belongs here, I didn't know where else to post this.)
Life Insurance: And you guys have the nerve
 to call me a liar you had the
 nerve to try and act like my
 friend stand and see the
 sadness I was in friend me on
 Facebook, and then post
 pictures of my husband that
 you came from
 by God knows who to
 probably purposely interfere
 and feed him lies or you both
 were in on it together, COPS
 thats Who you both probably
 work for or you recruited him
 and he really did love me in
 the beginning your probably
 not even the real girl he was
 talking to l bet your whole
 identity fake, well l'm going to
 find out everything about you
 who you both are, and if it's
 the last thing I ever dol
 promise you that now l'm
 taking the private
 investigatorsrt on A
 and proof he, hired and
 sent
 You can't reply to this conversation. Learn More

 paid, to purposely inflict
 mental duress and trigger my
 PTSD I thought the was you
 on the nanny cam but see
 that's why A didn't get a
 dime, because he Was sloppy
 in the beginning And
 betweens, I knew he was
 cheating and using me and
 apart of publicly outing me
 after the wedding to create
 mental dehabilitation ive got
 all your names identities and
 pictures but atleastni figured
 it out before I was stupid
 enough to buy a car or pay a
 attorney it's you and him that
 hack my electronics vou were
 the one moving my stuff and
 hiding it when you were over
 here fucking him you both are
 perfect for each other
 psychopaths liars users and
 snakes but I promise you if l
 do it with my last breath I'm
 going to mak J 'e he goes to
 jail and if I'm 谢褍 I'll get all of
 You can't reply to this conversation. Learn More

 jail and if l'm lucky l'll get all of
 you sent to jail. I just wonder
 though for he was recruited
 just b4 the wedding or from
 the beginning something tells
 me that it was from the
 beginning.. Karma so going to
 get you, and misery you
 caused and cause others will
 fall upon your life's and souls
 the child your bearing will
 carry your sins, the Hapiness
 you stole all for money or
 other things of this world
 you'll pay for with your souls.
 But my life long torture ends
 today no longer will any of you
 win, no longer will I fall for
 your mind games I'm going to
 fight back and win win win,
 you guys are something else
 all the proof I have when we
 go to court and I know that
 your not the only girl S
 aka P is involved but vou
 know what th lians say
 laugh now cry <er... You think
 You can't reply to this conversation. Learn More

 laugh now cry later... You think
 your going to get away but
 this isnt American soil this is
 Canadian land this is the
 queens country where we are
 guided by humans rights and
 truly governed by the UN. And
 the UN has no tolerance for
 Gangstalking! And tell A
 I'm not signing anything 'II
 see him behind bars I'm going
 to make sure all the evidence
 is displayed in divorce court
 too he can say 911 calls that l
 abused him little does he
 know I have recordings of the
 calls where vou can see him
 putting on this grandiose
 display of false crys all while
 smiling... I know I've been
 knew he was dirty A with
 the tiny tinky dick. The life
 insurance he pulled out in my
 name, this time I'm not going
 to let me be the sacrifice
 because I'm focused sober
 and mentally grounded no
 You can't reply to this conversation. Learn More

 to let me be the sacrifice
 because I'm focused sober
 and mentally grounded no
 longer are my thoughts
 emotional there logical and
 intellectual get ready for me to
 expose who and what you ppl
 really are with God has my
 leader and archangel Michael
 my protectors will conquer
 and destroy this evil
 psychopathic cult/USGovt
 extension although now with
 proof you exist and names
 photos recordings I don't think
 the govt of Canada will be to
 pleased that the US has beern
 running unsanctioned
 operations within their
 borders.and nowI think it's
 time for thevUSB to be
 released
 You lost your mind. Leave
 me alone
 You can't reply to this conversation. Learn More
This lady is convinced my fianc茅 is her husband in disguise. She thinks one of my friends is a bounty hunter from Texas sent by the Mexican cartel to steal her inheritance and ruin her relationship. (Idk if this belongs here, I didn't know where else to post this.)

This lady is convinced my fianc茅 is her husband in disguise. She thinks one of my friends is a bounty hunter from Texas sent by the Mexic...

Life Insurance: pining-sheith: pining-sheith: This is Milo. Milo is my only sister and was 21 years old. They would have been 22 in April. Milo was an amazing, wonderful, and kind-hearted person who always did their best to be strong and stubborn. They proved that over the last 48 hours. On October 11, 2018, approximately at 7:08 AM EST, Milo was struck by a car while crossing the street at a crosswalk to catch the bus that would take them downtown. Milo was an animation student at CCAD and was catching the bus to get to class. Due to the accident, they sustained 3 fractures to their skull, both of their hips were broken, one of their legs was broken, their face was fractured, and also suffered from a fractured neck and spinal cord injury. Milo was expected to not make it past 3 PM on October 11 but managed to hang on until this morning. Unfortunately, Milo passed away on October 12 and I am getting to why I am here asking for your help. My family did not have life insurance for Milo and my mother has myriad of health problems on top of now dealing with the death of her child. My mother desperately wishes to bury Milo with my grandparents and my uncle but to do this we need money so we may proceed with Milo鈥檚 funeral arrangements. I know the asking price is very steep but any donation is better than what we have which is nothing at the current moment. The police are doing a full investigation and we do not know of what kind of insurance the driver had and if they will be able to cover these costs. We do know we need money up front and soon so we may put my sister to rest. If you can only even donate a dollar it is better than the nothing we have right now. If Milo reaches their goal of 7,000 dollars and goes over, I will donate any remainder to the local animal shelter in Milo鈥檚 name. We have two beautiful cats Milo loved very deeply and Milo cared so much for animals, I know that is something they would have liked. The past 48 hours have been extremely hard on my family and I am doing all that I can do to help ease my mother鈥檚 pain so she does not have to worry about the costs of burying her child. If you can assist in any way, I appreciate you. Thank you. Go Fund Me Page reblogs are appreciated I鈥檓 sorry for the double reblog but if you would like to donate via PayPal you can here
Life Insurance: pining-sheith:

pining-sheith:

This is Milo. Milo is my only sister and was 21 years old. They would have been 22 in April. Milo was an amazing, wonderful, and kind-hearted person who always did their best to be strong and stubborn. They proved that over the last 48 hours. On October 11, 2018, approximately at 7:08 AM EST, Milo was struck by a car while crossing the street at a crosswalk to catch the bus that would take them downtown. Milo was an animation student at CCAD and was catching the bus to get to class. Due to the accident, they sustained 3 fractures to their skull, both of their hips were broken, one of their legs was broken, their face was fractured, and also suffered from a fractured neck and spinal cord injury. Milo was expected to not make it past 3 PM on October 11 but managed to hang on until this morning. Unfortunately, Milo passed away on October 12 and I am getting to why I am here asking for your help. My family did not have life insurance for Milo and my mother has myriad of health problems on top of now dealing with the death of her child. My mother desperately wishes to bury Milo with my grandparents and my uncle but to do this we need money so we may proceed with Milo鈥檚 funeral arrangements. I know the asking price is very steep but any donation is better than what we have which is nothing at the current moment. The police are doing a full investigation and we do not know of what kind of insurance the driver had and if they will be able to cover these costs. We do know we need money up front and soon so we may put my sister to rest. If you can only even donate a dollar it is better than the nothing we have right now. If Milo reaches their goal of 7,000 dollars and goes over, I will donate any remainder to the local animal shelter in Milo鈥檚 name. We have two beautiful cats Milo loved very deeply and Milo cared so much for animals, I know that is something they would have liked. The past 48 hours have been extremely hard on my family and I am doing all that I can do to help ease my mother鈥檚 pain so she does not have to worry about the costs of burying her child. If you can assist in any way, I appreciate you. Thank you.
Go Fund Me Page
reblogs are appreciated

I鈥檓 sorry for the double reblog but if you would like to donate via PayPal you can here

pining-sheith: pining-sheith: This is Milo. Milo is my only sister and was 21 years old. They would have been 22 in April. Milo was an...