lady


                    
                    
                

                

                

            

        
    







            

            
            

                

                    
                

                

                    

                        


	

	
    

        🔥 | Latest
    

    
    

        

        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            




    Birthday, Comfortable, and Confidence: reddit-tales
 What has been your worst
 "nice guy" experience?
 So, possibly one of the coolest things I've
 ever seen. I mean you know how you hear the
 "women want him, men want to *be* him"
 stuff in old movies? Well I'm a man and by
 *god* I wanted to be this guy. Anyway!
 I'm having dinner with my girlfriend at
 the time, and behind us are a couple on a
 not going well. Guy was being
 I
 rather
 inappropriate comments, the girl doesn't
 look at all comfortable.
 The girl finishes her appetiser really quickly
 my guess is she wanted to get it over with.
 Guy proceeds to comment on it and says
 "well, least I know you can swallow right?"
 Loudly
 Girl goes red and tells him that isn't
 appropriate, he literally waves his hand in
 a "shoo" type motion and says "oh calm
 down I was going to find out in a few hours
 anyway"
 I missed her exact re
 as she moved to a
 hushed tone, but it was fairly obvious what
 was being said-fuck no, fuck off, fuck this.
 He responded with "sweetheart I picked
 lost the
 colour in her face and said nothing.
 No. No. Fuck no. I'm one of those "get
 involved" type of people and there is no way
 I'm sitting here watching this go down. I get
 up. I don't know what I'm going to do, but
 I'm 23, fighting fit and happy to put that
 motherfucker through a wall. I may have had
 a slight temper in my youth. But anyway.
 I was halfway out of my chair when a hand
 came down on my shoulder and I look up
 to this mid-50s but super fit guy who says
 "Easy. I've got this one son". Absolute, total
 confidence in his voice.. so seeing as my
 current plan amounted to "stab him in the
 neck" and I'm already thinking maybe that's
 not the best idea, I sit down.
 He walks over, grabs a nearby chair, flips it
 around and sits down with the couple. Then..
 he pulls out his police ID and puts it on the
 table. Now the guy doesn't have any colour in
 his face
 Cop: "So, I'm quietly celebrating my
 daughters birthday with my family when I
 distinctly hear you threaten this young lady,
 would you care to explain yourself?"
 Guy: "I, ah, well, um, you see.
 Cop: "That's what I thought. Now see, we
 take a *very* dim view of that kind of thing,
 so right now I'm deciding if I want to have
 some of my buddies come pick you up"
 Guy: "oh no well that..."
 Cop: "But that would disrupt everyone's
 dinner, so how about you hand me your ID,
 me, the dn't want yhe staff here and
 settle your bill., the full bill now, this young
 lady shouldn't go hungry on account of your
 poor behaviour. Or we can go with the first
 option, I'll leave it up to you.
 Guy: "No no! That's perfectly fine!" 1*hands
 over ID, gets up and walks very quickly in the
 direction of the counter
 Cop: while writing down the guys details
 1* "Sorry about that miss, I hope I'm not
 intruding it just seemed like you could use
 some help. Oh and don't worry, if you want
 to pursue this further I'll have some of the
 boys pick him up on his way home, we can
 definitely take this further.
 Girl: "No, thank you so much, I wanted to run
 out 30 minutes ago but he drove me here".
 Cop: *shifts from hardarse cop to
 comforting father figure in about half a
 second* "Well I'm here with my daughter,
 she's about your age, perhaps you'd like to
 finish your meal with us? We can run you
 home afterwards if you'd like, unless you'd
 prefer to call someone else?"
 Girl: "Oh.. that would be really nice.. thankyou
 so much!
 *guy returns, so does the hardarse cop*
 Guy: "Uh so, I've paid the bill, if I could have
 back.".
 my
 Cop: "There you go. now I have your details
 right here so I *highly* recommend you
 don't go near or contact this young lady ever
 again.
 Guy: "Yes yes of course, I'm so sorry!"
 The quy pretty much fled the restaurant, the
 qirl went and sat with the cop and his family
 and by the time we left they were still sitting
 around talking and laughing about random
 crap.
 It was hands down the best way I have ever
 seen anybody handle any situation, ever. That
 cop is my hero.
 malicemanaged
 Dude. I hope that man has a great rest of his
 life.
Wholesome cop via /r/wholesomememes https://ift.tt/2SkCLRT
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Birthday, Comfortable, and Confidence: reddit-tales
 What has been your worst
 "nice guy" experience?
 So, possibly one of the coolest things I've
 ever seen. I mean you know how you hear the
 "women want him, men want to *be* him"
 stuff in old movies? Well I'm a man and by
 *god* I wanted to be this guy. Anyway!
 I'm having dinner with my girlfriend at
 the time, and behind us are a couple on a
 not going well. Guy was being
 I
 rather
 inappropriate comments, the girl doesn't
 look at all comfortable.
 The girl finishes her appetiser really quickly
 my guess is she wanted to get it over with.
 Guy proceeds to comment on it and says
 "well, least I know you can swallow right?"
 Loudly
 Girl goes red and tells him that isn't
 appropriate, he literally waves his hand in
 a "shoo" type motion and says "oh calm
 down I was going to find out in a few hours
 anyway"
 I missed her exact re
 as she moved to a
 hushed tone, but it was fairly obvious what
 was being said-fuck no, fuck off, fuck this.
 He responded with "sweetheart I picked
 lost the
 colour in her face and said nothing.
 No. No. Fuck no. I'm one of those "get
 involved" type of people and there is no way
 I'm sitting here watching this go down. I get
 up. I don't know what I'm going to do, but
 I'm 23, fighting fit and happy to put that
 motherfucker through a wall. I may have had
 a slight temper in my youth. But anyway.
 I was halfway out of my chair when a hand
 came down on my shoulder and I look up
 to this mid-50s but super fit guy who says
 "Easy. I've got this one son". Absolute, total
 confidence in his voice.. so seeing as my
 current plan amounted to "stab him in the
 neck" and I'm already thinking maybe that's
 not the best idea, I sit down.
 He walks over, grabs a nearby chair, flips it
 around and sits down with the couple. Then..
 he pulls out his police ID and puts it on the
 table. Now the guy doesn't have any colour in
 his face
 Cop: "So, I'm quietly celebrating my
 daughters birthday with my family when I
 distinctly hear you threaten this young lady,
 would you care to explain yourself?"
 Guy: "I, ah, well, um, you see.
 Cop: "That's what I thought. Now see, we
 take a *very* dim view of that kind of thing,
 so right now I'm deciding if I want to have
 some of my buddies come pick you up"
 Guy: "oh no well that..."
 Cop: "But that would disrupt everyone's
 dinner, so how about you hand me your ID,
 me, the dn't want yhe staff here and
 settle your bill., the full bill now, this young
 lady shouldn't go hungry on account of your
 poor behaviour. Or we can go with the first
 option, I'll leave it up to you.
 Guy: "No no! That's perfectly fine!" 1*hands
 over ID, gets up and walks very quickly in the
 direction of the counter
 Cop: while writing down the guys details
 1* "Sorry about that miss, I hope I'm not
 intruding it just seemed like you could use
 some help. Oh and don't worry, if you want
 to pursue this further I'll have some of the
 boys pick him up on his way home, we can
 definitely take this further.
 Girl: "No, thank you so much, I wanted to run
 out 30 minutes ago but he drove me here".
 Cop: *shifts from hardarse cop to
 comforting father figure in about half a
 second* "Well I'm here with my daughter,
 she's about your age, perhaps you'd like to
 finish your meal with us? We can run you
 home afterwards if you'd like, unless you'd
 prefer to call someone else?"
 Girl: "Oh.. that would be really nice.. thankyou
 so much!
 *guy returns, so does the hardarse cop*
 Guy: "Uh so, I've paid the bill, if I could have
 back.".
 my
 Cop: "There you go. now I have your details
 right here so I *highly* recommend you
 don't go near or contact this young lady ever
 again.
 Guy: "Yes yes of course, I'm so sorry!"
 The quy pretty much fled the restaurant, the
 qirl went and sat with the cop and his family
 and by the time we left they were still sitting
 around talking and laughing about random
 crap.
 It was hands down the best way I have ever
 seen anybody handle any situation, ever. That
 cop is my hero.
 malicemanaged
 Dude. I hope that man has a great rest of his
 life.
Wholesome cop via /r/wholesomememes https://ift.tt/2SkCLRT
                
            

            
            
Wholesome cop via /r/wholesomememes https://ift.tt/2SkCLRT

            
            
        

    



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            




    Bitch, Click, and Dating: guiltlessdeviant:

aaliyahbreaux:


big-mood-energy:


aaliyahbreaux:


girldont:


flyandfamousblackgirls:

drdrunkpigeon-phd:


abstractandedgyname:


libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.
This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.
Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!


So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Imagine openly saying you don’t find your SO physically attractive, that’s embarrassing for yourself and the person you’re with.


studies show no matter how old men get typically they are most attracted to women in their twenties whereas women are most attracted to men around their age. and yet, women are seen as being superficial and shallow for just wanting to be with someone attractive…


yes, basing whether or not you date somebody on their looks is shallow.
it’s the definition of shallow, in fact.


shallow is dating some entirely for their looks. dating someone you find attractive is just how attration works Ugly. 


You need to be attracted to the person you date. That’s just logic. Don’t settle for someone you’re not attracted to.

The issue here is not just saying “you should someone you find attractive”, the issue is saying “don’t date ugly guys” as though that’s some sort of objective classification and acting like you’re literally better than people because you’re more physically attractive and they should be thanking the gods if you even grace them with your presence. That’s the conceited bullshit. Also for most people attraction has to be more than physical. Physical can be a part of it but there are plenty of hot assholes.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Bitch, Click, and Dating: guiltlessdeviant:

aaliyahbreaux:


big-mood-energy:


aaliyahbreaux:


girldont:


flyandfamousblackgirls:

drdrunkpigeon-phd:


abstractandedgyname:


libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.
This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.
Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!


So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Imagine openly saying you don’t find your SO physically attractive, that’s embarrassing for yourself and the person you’re with.


studies show no matter how old men get typically they are most attracted to women in their twenties whereas women are most attracted to men around their age. and yet, women are seen as being superficial and shallow for just wanting to be with someone attractive…


yes, basing whether or not you date somebody on their looks is shallow.
it’s the definition of shallow, in fact.


shallow is dating some entirely for their looks. dating someone you find attractive is just how attration works Ugly. 


You need to be attracted to the person you date. That’s just logic. Don’t settle for someone you’re not attracted to.

The issue here is not just saying “you should someone you find attractive”, the issue is saying “don’t date ugly guys” as though that’s some sort of objective classification and acting like you’re literally better than people because you’re more physically attractive and they should be thanking the gods if you even grace them with your presence. That’s the conceited bullshit. Also for most people attraction has to be more than physical. Physical can be a part of it but there are plenty of hot assholes.
                
                

                
            

            
            
guiltlessdeviant:

aaliyahbreaux:


big-mood-energy:


aaliyahbreaux:


girldont:


flyandfamousblackgirls:

drdrunkpigeon-phd:


abstractan...

            
            
        

    



        

            
        
        

            




    Bitch, Click, and God: flyandfamousblackgirls:

drdrunkpigeon-phd:

abstractandedgyname:

libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!

So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Who the absolute fuck said any of that shit in this thread? 
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Bitch, Click, and God: flyandfamousblackgirls:

drdrunkpigeon-phd:

abstractandedgyname:

libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: “This is why I don’t date ugly guys..”

I’ve dated an ugly guy before and he was just a WASTE of my time. He didn’t get cocky, but he should’ve been a lil more appreciative of me. Seeing that no other girl would even look at him before I did. 

Holy fuck y’all are conceited. Those men are dodging bullets.



Hey, my boyfriend may not be conventionally attractive or the most attractive in the world but it’s almost as if when your personalities really click they become so attractive to you! But obviously, yall can’t do that as you need a personality to begin with.This bitch fully is under the impression that she should date an attractive boring guy rather than an ugly boring guy, as if looks are the only defining things in relationships. How about, date an ugly [fun, interesting, caring, sex god] guy vs a hot [boring, simple, arrogant, sexually incompetent] guy.Maybe all the ugly you’ve dated have been ugly on the inside too, must be if they date such a wretched creature as yourself, but news flash lady! Everyone is different for fuck sake !!!!

So when guys say women are too tall, too dark, too fat, hair not long enough, hair too “nappy”, her teeth, because she has tattoos or weave, because she wears makeup or they don’t wanna date her because she’s trans….Thats ok. But women are obligated to accept any man as he is? Interesting…yall are proving her point.

Who the absolute fuck said any of that shit in this thread? 
                
                

                
            

            
            
flyandfamousblackgirls:

drdrunkpigeon-phd:

abstractandedgyname:

libertarirynn:

paradise-dream222:

flyandfamousblackgirls:

Shae Scott: ...

            
            
        

    



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            




    Community, Family, and Finance: 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.
    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Community, Family, and Finance: 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:
Capitali...

            
            
        

    



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            



        

            
        
        

            




    Family, Get Money, and God: 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 

    

        
        
        
        
        
        
        
        
    

    

        

            
            

                
                Family, Get Money, and God: 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:
Capitali...