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Alive, Animals, and Beautiful: SPEED DATING TODAY! vixiano: thedirtythirty: wonderingifyoukneww: secretly-obsessed-with-fandoms: arylenchanted: ungratefullittleshit: msannedree: rowan-fcb: causewecan: creamsifemme-kitty: totallynotthecops: scars-of-stars: dragonsrequiem: deigns: its-jakeperalta: deigns: petl0vers: celebrity–outfits: its-jakeperalta: 10 REASONS TO ADOPT A PET You save a life. The cost of adoption is less than buying a pet. Most shelter animals have had medical treatment and are spayed/neutered, microchipped, and up to date with vaccines. There are more unique pets to choose from in shelters. Age, breeds, mixed breeds, and personality choices are greater. Many are already trained. Your bed is pre-warmed on cold winter nights. Animals are just ready to love you, no matter what. Adopting from a shelter opens a cage for another pet who needs a new forever home. An adult pet takes the guess work out of determining size, thickness of coat, and energy level. Mixed breeds are unique compared to purebreeds and may have less genetically inherited health problems. Take this quiz to find out which dog is right for you! Please adopt some lovely doggos As someone who just adopted a third doggo from the shelter, please do it if you can find a dog right for you. Those shelters do everything they can to keep them alive, but it’s a family that keeps them happy. Okay, but is there a quiz for which shelter kitty I should get? @deigns​  good u asked, yes!!! sorry I forgot to add that one, anyway here is it What Breed of Cat should you get? Ty jake peralta Plus? Those animals in the pound? They KNOW that they are on death row. My first dog as a married woman was an eleventh hour adoption. A 13-y-o basset hound mix (pound said they thought he was 11 because they were trying to save him by making him sound a teeny bit younger) and he was “Til death do we part” loyal. We lost him 4 years later to cancer, and we (the family had grown from 2 to 3 humans) were devastated. My sister? Fosters cats, and ended up with a charmer who’d been hit by a car. Sephiroth is a well loved asshole, and his brother, Cloud (a stray who found a sucker bet), is almost canine levels of friendly. Be a superhero. Save a life. Rescue. As someone who has worked in a shelter for two years and watched many of my babies go to their incredible forever homes, you wouldn’t BELIEVE how big of a difference you can see in the animals’ behavior from being in the kennels to even just a few minutes after leaving. When their new owners are filling out the paperwork, there’s already a new spark in their eyes. They KNOW they’re going home; they know they’re getting to be loved the way all animals deserve to be. There are so many beautiful animals in shelters that get overlooked. Next time you’re searching for a companion, check your local shelters and rescues. Not only are you getting a companion, but you’re saving a life. I got my Norwegian Forest Cat from a shelter. He’s huge, and never shuts up, and is moody and a prolific hunter (or was. He’s not allowed out), and the biggest cuddliest mamas boy on the planet. i just adopted my first cat from the humane society ! her name is Persephone and she’s 14 almost 15 years old. i love my angel so much. I got all three of my cats from shelters and they are honestly so appreciative! They are amazing little creatures and have become the light of my life…. please adopt!! You won’t regret it and neither will your little ball of fur. This cutie used to be a stray in Greece. A lot of people try to poisen them, because there are so many strays there (which is the peoples fault. They buy puppies and leave them on the streets when they are older). I‘m happy, I had the chance to safe my little lady. I still wish to safe more. They are always so happy when you only pet them or just give them a bit of attention. My babies Penelope and Eloise were irresponsibly let outside without being spayed. Both got pregnant and their owner dumped them at the shelter two weeks before they were due with kittens. Due to being full to capacity, they were immediately at the top of the kill list. Thankfully a foster rescued them, got them healthy, helped them birth nine healthy kittens between the two of them, rescued four more orphan kittens that these girls adopted and nursed, got them ALL fixed, got ALL THIRTEEN kittens good homes, and I adopted these silly, destructive, adorable, loud, cuddle bugs. They’re a bonded pair, and they’ve brought light and love and laughter into my life. Please adopt!!!! Please fix your pets! Save a love, be compassionate, and find your best friend! Both adopted in a shelter. Best decision I have ever made. My husband and I adopted this little ball of love from a shelter and he’s literally the most amazing dog in the world. ❤️ got all four of my loves from our local shelter. absolute sweethearts ❤️ Got this pretty fur ball from a local shelter 🥰 #adoptdontshop The future wife and I adopted this 3-legged snuggle bug from our local humane society this summer and it’s one of, if not THE, best decision we have made ❤️🥰 My adopted baby! Please don’t disregard shelters just because you want a certain breed! Either sign up to volunteer at a shelter (you’ll get the inside scoop on the dogs/cats) or visit the shelter every day or every other day. There are always so many different breeds, some just get scooped up quicker than others! My precious boy!!! We actually adopted him throigh Facebook from Romania - if your shelter doesn’t have the breed you want, there are so many other places to look! Follow rescue centre pages on social media and look on websites!
Alive, Animals, and Beautiful: SPEED
 DATING
 TODAY!
vixiano:
thedirtythirty:

wonderingifyoukneww:

secretly-obsessed-with-fandoms:

arylenchanted:

ungratefullittleshit:


msannedree:

rowan-fcb:

causewecan:

creamsifemme-kitty:


totallynotthecops:

scars-of-stars:

dragonsrequiem:


deigns:

its-jakeperalta:

deigns:

petl0vers:

celebrity–outfits:

its-jakeperalta:

10 REASONS TO ADOPT A PET
You save a life.
The cost of adoption is less than buying a pet.
Most shelter animals have had medical treatment and are spayed/neutered, microchipped, and up to date with vaccines.
There are more unique pets to choose from in shelters. Age, breeds, mixed breeds, and personality choices are greater.
Many are already trained.
Your bed is pre-warmed on cold winter nights.
Animals are just ready to love you, no matter what.
Adopting from a shelter opens a cage for another pet who needs a new forever home.
An adult pet takes the guess work out of determining size, thickness of coat, and energy level.
Mixed breeds are unique compared to purebreeds and may have less genetically inherited health problems.
Take this quiz to find out which dog is right for you!

Please adopt some lovely doggos



As someone who just adopted a third doggo from the shelter, please do it if you can find a dog right for you. Those shelters do everything they can to keep them alive, but it’s a family that keeps them happy.





Okay, but is there a quiz for which shelter kitty I should get?



@deigns​ 

good u asked, yes!!! sorry I forgot to add that one, anyway here is it


What Breed of Cat should you get? 



Ty jake peralta


Plus? Those animals in the pound? They KNOW that they are on death row. My first dog as a married woman was an eleventh hour adoption. A 13-y-o basset hound mix (pound said they thought he was 11 because they were trying to save him by making him sound a teeny bit younger) and he was “Til death do we part” loyal. We lost him 4 years later to cancer, and we (the family had grown from 2 to 3 humans) were devastated.
My sister? Fosters cats, and ended up with a charmer who’d been hit by a car. Sephiroth is a well loved asshole, and his brother, Cloud (a stray who found a sucker bet), is almost canine levels of friendly.
Be a superhero. Save a life. Rescue.


As someone who has worked in a shelter for two years and watched many of my babies go to their incredible forever homes, you wouldn’t BELIEVE how big of a difference you can see in the animals’ behavior from being in the kennels to even just a few minutes after leaving. When their new owners are filling out the paperwork, there’s already a new spark in their eyes. They KNOW they’re going home; they know they’re getting to be loved the way all animals deserve to be. There are so many beautiful animals in shelters that get overlooked. Next time you’re searching for a companion, check your local shelters and rescues. Not only are you getting a companion, but you’re saving a life. 


I got my Norwegian Forest Cat from a shelter. He’s huge, and never shuts up, and is moody and a prolific hunter (or was. He’s not allowed out), and the biggest cuddliest mamas boy on the planet. 


i just adopted my first cat from the humane society ! her name is Persephone and she’s 14 almost 15 years old. i love my angel so much. 




I got all three of my cats from shelters and they are honestly so appreciative! They are amazing little creatures and have become the light of my life…. please adopt!! You won’t regret it and neither will your little ball of fur. 


This cutie used to be a stray in Greece. A lot of people try to poisen them, because there are so many strays there (which is the peoples fault. They buy puppies and leave them on the streets when they are older).
I‘m happy, I had the chance to safe my little lady. I still wish to safe more. They are always so happy when you only pet them or just give them a bit of attention.




My babies Penelope and Eloise were irresponsibly let outside without being spayed. Both got pregnant and their owner dumped them at the shelter two weeks before they were due with kittens. Due to being full to capacity, they were immediately at the top of the kill list. Thankfully a foster rescued them, got them healthy, helped them birth nine healthy kittens between the two of them, rescued four more orphan kittens that these girls adopted and nursed, got them ALL fixed, got ALL THIRTEEN kittens good homes, and I adopted these silly, destructive, adorable, loud, cuddle bugs. They’re a bonded pair, and they’ve brought light and love and laughter into my life. Please adopt!!!! Please fix your pets! Save a love, be compassionate, and find your best friend! 




Both adopted in a shelter. Best decision I have ever made.




My husband and I adopted this little ball of love from a shelter and he’s literally the most amazing dog in the world. ❤️ 




got all four of my loves from our local shelter. absolute sweethearts ❤️


Got this pretty fur ball from a local shelter 🥰  #adoptdontshop 




The future wife and I adopted this 3-legged snuggle bug from our local humane society this summer and it’s one of, if not THE, best decision we have made ❤️🥰


My adopted baby! Please don’t disregard shelters just because you want a certain breed! Either sign up to volunteer at a shelter (you’ll get the inside scoop on the dogs/cats) or visit the shelter every day or every other day. There are always so many different breeds, some just get scooped up quicker than others!


My precious boy!!! We actually adopted him throigh Facebook from Romania - if your shelter doesn’t have the breed you want, there are so many other places to look! Follow rescue centre pages on social media and look on websites!

vixiano: thedirtythirty: wonderingifyoukneww: secretly-obsessed-with-fandoms: arylenchanted: ungratefullittleshit: msannedree: rowan-...

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...

Definitely, Grandma, and Hello: coastward answered a scam call today and had the most bizarre conversation coastward scam caller: hello, how are you today? me: great! scam caller: good. I'm calling because your IP address has been compromised. I'll just need you to get in front of your computer so we can get your account fixed up me: okay! there is one thing I'm wondering, though scam caller: what? me: you really couldn't think of a better lie? scam caller: me: like, my "IP address has been compromised." How, exactly, does an IP address become "compromised"? scam caller: me: I was just wondering, is all scam caller: why did you answer? me: me: what? scam caller: if you knew this wasn't a legitimate call, then why did you answer? me: oh, I just though I would have some fun at your expense scam caller: what expense? talking is no expense to me. me: well, you're currently not accomplishing your goal scam caller: my goal? me: your goal of scamming my elderly grandmother. You're not accomplishing that. Il'd call that an expense scam caller: well, can I scam you? me: me: did you- did you ask if you can scam me? scam caller: yes. can I scam you? me, baffled: sure, you can try scam caller: you need to get in front of your computer me: yeah, that's still a problem. I'm eating tater tots right now andI really don't feel like getting up scam caller: okay. I will call you tomorrow morning, then me: I might not answer. My grandma definitely won't. scam caller: You answered today. me: .touché? scam caller: I will call you tomorrow. Have a good day. neko-ritsu Enemies to lovers, slow burn, 500K
Definitely, Grandma, and Hello: coastward
 answered a scam call today and had the most bizarre
 conversation
 coastward
 scam caller: hello, how are you today?
 me: great!
 scam caller: good. I'm calling because your IP
 address has been compromised. I'll just need you to
 get in front of your computer so we can get your
 account fixed up
 me: okay! there is one thing I'm wondering, though
 scam caller: what?
 me: you really couldn't think of a better lie?
 scam caller:
 me: like, my "IP address has been compromised."
 How, exactly, does an IP address become
 "compromised"?
 scam caller:
 me: I was just wondering, is all
 scam caller: why did you answer?
 me:
 me: what?
 scam caller: if you knew this wasn't a legitimate call,
 then why did you answer?
 me: oh, I just though I would have some fun at your
 expense
 scam caller: what expense? talking is no expense to
 me.
 me: well, you're currently not accomplishing your
 goal
 scam caller: my goal?
 me: your goal of scamming my elderly grandmother.
 You're not accomplishing that. Il'd call that an
 expense
 scam caller: well, can I scam you?
 me:
 me: did you- did you ask if you can scam me?
 scam caller: yes. can I scam you?
 me, baffled: sure, you can try
 scam caller: you need to get in front of your
 computer
 me: yeah, that's still a problem. I'm eating tater tots
 right now andI really don't feel like getting up
 scam caller: okay. I will call you tomorrow morning,
 then
 me: I might not answer. My grandma definitely
 won't.
 scam caller: You answered today.
 me: .touché?
 scam caller: I will call you tomorrow. Have a good
 day.
 neko-ritsu
 Enemies to lovers, slow burn, 500K