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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...

Click, Facebook, and Friends: Messenger JUL 26, 12:15 PM Hello hun! I had you on my mind and wondered why I hadn't seen you on Facebook. Then I realized we're no longer friends on here JUL 26, 1:01 PM Hope you're doing well JUL 26, 3:32 PM Hi Carma. Hope you're doing well too. Yeah I went through my friends list this summer to simplify my Facebook feed and took out people don't know well or talk to. No offense intended, just trying to de clutter and simplify my life Gotcha. well just know I truly miss seeing vou on here Hope you're doing well 5:23 PM Messenger 5:23 PM Hello I wanted to reach out and offer you the opportunity to reinstate with Scentay for absolutely FREE! Once reinstated, I will send you a Tew supplies and help you become Active within the month which will earn you an average of $50! So, what ya think? Want to make a few extra bucks or more?? Carma https://www.ftc.gov/sites/default files/documents ublic comments/trade- requlation-rule-disclosure- requirements-and-prohibitions- concerning-business opportunities- ftc.r51 1993-00008%C2%A0/000 08-57281.pdf www.ftc.gov ftc.gov Messenger I'm not sure what that link is hun It didnt open for me. Hope you're doina well Did you click on it? It's studies that the federal government has run on MLMs which state that only the top earners make any profit. The rest of most downlines actually go in debt trying to do an MLM "side hustle." I'm not interested and please don't contact me about Scentsy again Hope you're doing well too Nope it didn't open for me although l'd highly disagree I make more than some "higher" up than me so I know that it's TRUE We aren't a pyramid scheme or a regular 9 to 5 job in which the higher ups make more money than others. Hope you have a great 2019! Ex scentsy upline hun asks me if I want to come back...pretends to not be able to read link about MLMs being scams
Click, Facebook, and Friends: Messenger
 JUL 26, 12:15 PM
 Hello hun!
 I had you on my mind and
 wondered why I hadn't seen you
 on Facebook. Then I realized we're
 no longer friends on here
 JUL 26, 1:01 PM
 Hope you're doing well
 JUL 26, 3:32 PM
 Hi Carma. Hope you're doing well
 too. Yeah I went through my friends
 list this summer to simplify my
 Facebook feed and took out people
 don't know well or talk to. No offense
 intended, just trying to de clutter and
 simplify my life
 Gotcha. well just know I truly miss
 seeing vou on here
 Hope you're doing well
 5:23 PM

 Messenger
 5:23 PM
 Hello
 I wanted to reach out and offer
 you the opportunity to reinstate
 with Scentay for absolutely FREE!
 Once reinstated, I will send you a
 Tew supplies and help you become
 Active within the month which will
 earn you an average of $50!
 So, what ya think?
 Want to make a few extra bucks or
 more??
 Carma
 https://www.ftc.gov/sites/default
 files/documents
 ublic comments/trade-
 requlation-rule-disclosure-
 requirements-and-prohibitions-
 concerning-business
 opportunities-
 ftc.r51 1993-00008%C2%A0/000
 08-57281.pdf
 www.ftc.gov
 ftc.gov

 Messenger
 I'm not sure what that link is hun
 It didnt open for me. Hope you're
 doina well
 Did you click on it? It's studies that
 the federal government has run on
 MLMs which state that only the top
 earners make any profit. The rest of
 most downlines actually go in debt
 trying to do an MLM "side hustle."
 I'm not interested and please don't
 contact me about Scentsy again
 Hope you're doing well too
 Nope it didn't open for me
 although l'd highly disagree
 I make more than some "higher"
 up than me so I know that it's
 TRUE
 We aren't a pyramid scheme or a
 regular 9 to 5 job in which the
 higher ups make more money than
 others.
 Hope you have a great 2019!
Ex scentsy upline hun asks me if I want to come back...pretends to not be able to read link about MLMs being scams

Ex scentsy upline hun asks me if I want to come back...pretends to not be able to read link about MLMs being scams