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On The Phone: relyonloveonceinawhile: whoopsrobots: equilateralwaffle: kotsuso: sophygurl: blindly-nostalgic: itseasytoremember: itseasytoremember: itseasytoremember: itseasytoremember: every day the same telemarketing company calls us. I’ve asked to be taken off their calling list, I’ve tried to be civil, I’ve even tried to not answer the phone, yet they’ll keep calling. So now I’ve resorted to making the phones calls as annoying as possible for them. Today I asked the person to hold while I got a pen and paper. As of now, they’ve been waiting 45 minutes. Update: I just asked him if he was still there, then when he said yes i told him i had found a pen but no paper, but that i’m still looking. It’s been an hour. I HAVE LITERALLY BEEN ON TUMBLR AND YOUTUBE WHILE THIS GUY WAITS. IT’S BEEN ALMOST AN HOUR AND A HALF Update: After an hour and 35 minutes I told him that i had found paper, but my pen was dead. He hung up. Ah well, i’ll just do it again tomorrow! You are the future As a former telemarketer, I can tell you that the only reason that guy hung on the line for so long was because he didn’t really want to make any more calls anyway and was probably reading a book or chatting with friends while you pretended to find paper and pen. He was enjoying your mischief as much, if not more, than you were. You literally gave this guy an acceptable reason to take an hour and a half break. You are his hero. He likely only finally hung up because it was officially his break time anyway. He probably told all his co-workers about your call and they’ll be laughing about it for weeks. Holy shit, is this a happy ending to a post where everybody actually wins? ACTUALLY YES because according to parental unit number one, telemarketers get paid by how long they’re on the phone with someone. so you were literally helping this friend get paid by doing absolutely shit vive la resistance Chaotic Good
On The Phone: relyonloveonceinawhile:
whoopsrobots:

equilateralwaffle:

kotsuso:

sophygurl:

blindly-nostalgic:

itseasytoremember:

itseasytoremember:

itseasytoremember:

itseasytoremember:

every day the same telemarketing company calls us. I’ve asked to be taken off their calling list, I’ve tried to be civil, I’ve even tried to not answer the phone, yet they’ll keep calling. So now I’ve resorted to making the phones calls as annoying as possible for them.
Today I asked the person to hold while I got a pen and paper. As of now, they’ve been waiting 45 minutes.

Update:
I just asked him if he was still there, then when he said yes i told him i had found a pen but no paper, but that i’m still looking. It’s been an hour.

I HAVE LITERALLY BEEN ON TUMBLR AND YOUTUBE WHILE THIS GUY WAITS. IT’S BEEN ALMOST AN HOUR AND A HALF

Update:
After an hour and 35 minutes I told him that i had found paper, but my pen was dead. He hung up. Ah well, i’ll just do it again tomorrow!

You are the future

As a former telemarketer, I can tell you that the only reason that guy hung on the line for so long was because he didn’t really want to make any more calls anyway and was probably reading a book or chatting with friends while you pretended to find paper and pen. He was enjoying your mischief as much, if not more, than you were. You literally gave this guy an acceptable reason to take an hour and a half break. You are his hero. He likely only finally hung up because it was officially his break time anyway. He probably told all his co-workers about your call and they’ll be laughing about it for weeks.

Holy shit, is this a happy ending to a post where everybody actually wins?

ACTUALLY YES because according to parental unit number one, telemarketers get paid by how long they’re on the phone with someone. so you were literally helping this friend get paid by doing absolutely shit

vive la resistance

Chaotic Good

relyonloveonceinawhile: whoopsrobots: equilateralwaffle: kotsuso: sophygurl: blindly-nostalgic: itseasytoremember: itseasytoremembe...

On The Phone: Photoshop on the phone is not good
On The Phone: Photoshop on the phone is not good

Photoshop on the phone is not good

On The Phone: Bought an old Razr V3m “for parts” and restored it for nostalgia. There was one text message still on the phone once I got it working. Hope they saw each other again 😁
On The Phone: Bought an old Razr V3m “for parts” and restored it for nostalgia. There was one text message still on the phone once I got it working. Hope they saw each other again 😁

Bought an old Razr V3m “for parts” and restored it for nostalgia. There was one text message still on the phone once I got it working. Ho...

On The Phone: So You're Confronting Your Own Mortality or Preparing for the End or Some Dipshit Up and Died and Now I'm Stuck Dealing With This Mess ms-demeanor: ms-demeanor: ms-demeanor: jhinnua: ms-demeanor: Hey you know how I said I was going to make a workbook on the kind of bullshit you need to do when someone you love dies? I actually did that. HERE IS THE VERSION WITH LOTS OF SWEARING AT THE USELESS, SHITTY SITUATION YOU’RE IN. HERE IS THE VERSION WITH A FAIR AMOUNT OF BLACK HUMOR BUT NO CURSEWORDS. Featuring Helpful Sections such as: Death Certificates – What you need, why you need them, and how to get them Prepare to spend a long and miserable time on the phone What the Everloving Fuck is Probate Some Simple Dos and Don’ts Shitty Mad Libs – Templates for writing Obituaries and Memorials How to plan a non-religious death party So you suddenly have to become some sort of hacker or some shit This is an eighteen page book that you can print out, download, share, and give away; it is meant to be used to collect information about funeral planning and account management after a death OR you can use it BEFORE you die and give people information so they’re not stuck playing Nancy Fucking Drew while trying to keep seventeen cousins who crawled out of the woodwork from gutting each other in front of the fucking casket as they argue about who’s inheriting grandma’s favorite dentures. It’s not exactly cheerful and it’s full of things that are probably going to feel really fucking raw if you’re processing a fresh death. I’m sorry! I love you! Death is shitty! I’m trying to laugh about it a little and I hope you can laugh a little too because otherwise we’re all just going to cry together. Good luck! (in memory of my weirdo mother and her weirdo siblings who all died too fucking young and left me holding this flaming bag of dogshit) @ms-demeanor Tumblr wont let me message you privately, so is it ok if I share this to my FB page? The business I am in wants information like this to be public knowledge, but it’s still a business so I don’t want to post without permission. YES, please share it! And actually facebook blocks links to my blog for some reason so I have no problem with you just straight-up copy/pasting the PDF links! Credit me if you want (”@ms-demeanor on tumblr” is fine) but you don’t even have to. Just share it and spread it I want people to have an easier time of things! I’m universally  OK if people share these links so long as you’re not selling the booklet. I’m actually even okay if someone prints up a bunch of these and hands them out so long as they’re handed out for free. Also I want to make this point: I was very lucky. I had talked to my mom about her death plans and she and my dad have had their cremations planned and paid for for 25 years (Neptune Society baybee). I got lucky, we had talked about a book like this and she had started writing down passwords. I got lucky, she never took my advice about putting a passcode on her phone. But things were still harder than they needed to be. We’d talked about a death planning workbook because I’d found one on Amazon and we both thought it would be a good idea to fill it out because she was sick. I just never scrounged together $26.00 in the time between when we talked about it and when she died. You know what’s better than regretting that you couldn’t afford a death workbook? A FREE DEATH WORKBOOK. I mean, I don’t begrudge the authors of other death books their pay. I’m sure the other books are more comprehensive than mine and maybe some of them do a decent job of explaining probate. But death is expensive and living ain’t cheap. This is free explicitly because there are tons of people (though certainly not everyone involved) who will bypass compassion in order to profit off of the death industry and I want you to have at least this one thing that’s there for you free, as a gift, as something given to you for the sole purpose of making this easier on you in a time when every step is going to be expensive and difficult. This is free, no charge. All I ask is that, if possible, you share it with someone else who needs it and that you tell somebody you love that you love them. Hey all if you’re new here because of the firefox post or the browser wars post or the bastardous positivity post please consider downloading the free book I made about what to do when someone dies because you know what this is sad and shit but things are going to be much easier for you if you know the level of bullshit you’re going to be dealing with.
On The Phone: So You're Confronting Your Own Mortality
 or
 Preparing for the End
 or
 Some Dipshit Up and Died and Now I'm
 Stuck Dealing With This Mess
ms-demeanor:

ms-demeanor:
ms-demeanor:


jhinnua:

ms-demeanor:

Hey you know how I said I was going to make a workbook on the kind of bullshit you need to do when someone you love dies? I actually did that.
HERE IS THE VERSION WITH LOTS OF SWEARING AT THE USELESS, SHITTY SITUATION YOU’RE IN.
HERE IS THE VERSION WITH A FAIR AMOUNT OF BLACK HUMOR BUT NO CURSEWORDS.
Featuring Helpful Sections such as: 
Death Certificates – What you need, why you need them, and
how to get them
Prepare to spend a long and miserable time on the phone
What the Everloving Fuck is Probate
Some Simple Dos and Don’ts
Shitty Mad Libs – Templates for writing Obituaries and
Memorials
How to plan a non-religious death party
So you suddenly have to become some sort of hacker or some
shit

This is an eighteen page book that you can print out, download, share, and give away; it is meant to be used to collect information about funeral planning and account management after a death OR you can use it BEFORE you die and give people information so they’re not stuck playing Nancy Fucking Drew while trying to keep seventeen cousins who crawled out of the woodwork from gutting each other in front of the fucking casket as they argue about who’s inheriting grandma’s favorite dentures. 
It’s not exactly cheerful and it’s full of things that are probably going to feel really fucking raw if you’re processing a fresh death.
I’m sorry! I love you! Death is shitty! I’m trying to laugh about it a little and I hope you can laugh a little too because otherwise we’re all just going to cry together.
Good luck!
(in memory of my weirdo mother and her weirdo siblings who all died too fucking young and left me holding this flaming bag of dogshit)


@ms-demeanor Tumblr wont let me message you privately, so is it ok if I share this to my FB page? The business I am in wants information like this to be public knowledge, but it’s still a business so I don’t want to post without permission.

YES, please share it!
And actually facebook blocks links to my blog for some reason so I have no problem with you just straight-up copy/pasting the PDF links! Credit me if you want (”@ms-demeanor on tumblr” is fine) but you don’t even have to. Just share it and spread it I want people to have an easier time of things! I’m universally  OK if people share these links so long as you’re not selling the booklet. I’m actually even okay if someone prints up a bunch of these and hands them out so long as they’re handed out for free. 


Also I want to make this point: I was very lucky. I had talked to my mom about her death plans and she and my dad have had their cremations planned and paid for for 25 years (Neptune Society baybee). I got lucky, we had talked about a book like this and she had started writing down passwords. I got lucky, she never took my advice about putting a passcode on her phone. 
But things were still harder than they needed to be. We’d talked about a death planning workbook because I’d found one on Amazon and we both thought it would be a good idea to fill it out because she was sick. 
I just never scrounged together $26.00 in the time between when we talked about it and when she died.
You know what’s better than regretting that you couldn’t afford a death workbook? A FREE DEATH WORKBOOK.
I mean, I don’t begrudge the authors of other death books their pay. I’m sure the other books are more comprehensive than mine and maybe some of them do a decent job of explaining probate.
But death is expensive and living ain’t cheap.
This is free explicitly because there are tons of people (though certainly not everyone involved) who will bypass compassion in order to profit off of the death industry and I want you to have at least this one thing that’s there for you free, as a gift, as something given to you for the sole purpose of making this easier on you in a time when every step is going to be expensive and difficult. 
This is free, no charge. All I ask is that, if possible, you share it with someone else who needs it and that you tell somebody you love that you love them. 

Hey all if you’re new here because of the firefox post or the browser wars post or the bastardous positivity post please consider downloading the free book I made about what to do when someone dies because you know what this is sad and shit but things are going to be much easier for you if you know the level of bullshit you’re going to be dealing with.

ms-demeanor: ms-demeanor: ms-demeanor: jhinnua: ms-demeanor: Hey you know how I said I was going to make a workbook on the kind of b...

On The Phone: businessman on the phone going thru the tunnel
On The Phone: businessman on the phone going thru the tunnel

businessman on the phone going thru the tunnel

On The Phone: uncleromeo when I was 11, my (black) neighbor witnessed my house being broken into. she called the police to report the crime. I came home from school and the robber was still inside. I personally watched as a man I didnt know walked out of my home with our stuff. the police didnt show up for 3 days. when they did, they told us there was nothing the could do because we "staged the house". they claimed we hid our tv's and valuables to make it look like more was actually stolen. they never asked for a description, never visited the neighbor who saw the break-in, anf as they left, they told us that stolen property is almost never recovered and we should "buy more and get on with [our] lives" when I was 23, I was dog-sitting for a (white) friend. her neighbor called the police and said there was a strange black man in her yard. the police showed up in 5 minutes. 6 units, 12 officers, stormed the back yard as I was running around with the dog. some came through the house and I know for a fact that the front door was locked. they damaged around $5000 worth of property, took her dog to the pound, and me to jail. my friend had to cut her trip short and drive 4 hours back to get me from jail and explain to police in person that she knew me. because "that could be anybody on the phone". the neighbor was with her when she came. we had met several times before. she was neither embarrassed nor apologetic. moral of the story? too many of us have lived this. too many of us didn't survive. Wow
On The Phone: uncleromeo
 when I was 11, my (black) neighbor witnessed my house being broken into.
 she called the police to report the crime. I came home from school and the
 robber was still inside. I personally watched as a man I didnt know walked out
 of my home with our stuff.
 the police didnt show up for 3 days.
 when they did, they told us there was nothing the could do because we
 "staged the house". they claimed we hid our tv's and valuables to make it look
 like more was actually stolen. they never asked for a description, never visited
 the neighbor who saw the break-in, anf as they left, they told us that stolen
 property is almost never recovered and we should "buy more and get on with
 [our] lives"
 when I was 23, I was dog-sitting for a (white) friend. her neighbor called the
 police and said there was a strange black man in her yard.
 the police showed up in 5 minutes.
 6 units, 12 officers, stormed the back yard as I was running around with the
 dog. some came through the house and I know for a fact that the front door
 was locked. they damaged around $5000 worth of property, took her dog to
 the pound, and me to jail.
 my friend had to cut her trip short and drive 4 hours back to get me from jail
 and explain to police in person that she knew me. because "that could be
 anybody on the phone". the neighbor was with her when she came. we had
 met several times before. she was neither embarrassed nor apologetic.
 moral of the story?
 too many of us have lived this. too many of us didn't survive.
Wow

Wow

On The Phone: 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.
On The Phone: 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...

On The Phone: 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
On The Phone: 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...