Valentine's Day
Valentine's Day

Valentine's Day

pics
pics

pics

2018
2018

2018

cat
cat

cat

said
 said

said

Tall Enough
Tall Enough

Tall Enough

Quotes
Quotes

Quotes

Animal
Animal

Animal

humor
humor

humor

Pictures
Pictures

Pictures

🔥 | Latest

Comfortable, Dude, and Dumb: Insomnia Adventures u/Oceanundertow Be me, sleep deprived DM, half an hour ago Get startled by phone ringing It's one of my players Me: "Dude, it's midnight, you good?" Friend: "Yeah yeah, sorry if I woke you. Could I ask for a favor?" OhGodHeKilledSomeone.gif Me: "Uh, sure? Shoot." Friend: "My daughter can't sleep, could you tell a quick story over speakerphone? She loves listening to the recordings of our sessions before bed, but I left my laptop at the office so I can't play them." NaniTheFuck.mp3 Me: "She listens to us to fall asleep?" Friend: "Yeah, but she really likes your plot and NPC acting bits. She calls you 'dumb dumb mister. Guess Dungeon Master is a bit hard for a preschooler." Me: "Wow...well, if it will help her sleep, then sure." Friend: "Thank you! Okay, give me a sec to head back to her room." (pause) "Okay, you're on speaker." Me: "Hey, [daughters name], it's uncle Anon." Daughter: (Happy gasp) "Dumb dumb Mister!" I'veNeverBeenHappierToBeCalledADumbDumb.jpg Me: "You ready for a story about...(DM IMPROV SKILLS ENGAGE)..the time your daddy and his friends went deep into a cursed temple to save a frost dragon egg?" Daughter: (Incomprehensible happy squealing noises) I then proceed to spend nearly 20 min spitballing a story over the phone for the most fascinated little girl until she eventually fell asleep. Friend thanks me for the help and says he'll see me on game night. Lay down in bed, actually feel content and comfortable for once. I should have thanked him I am the dumb dumb mister. positive-memes:Bed time stories
Comfortable, Dude, and Dumb: Insomnia Adventures
 u/Oceanundertow
 Be me, sleep deprived DM, half an hour ago
 Get startled by phone ringing
 It's one of my players
 Me: "Dude, it's midnight, you good?"
 Friend: "Yeah yeah, sorry if I woke you. Could I ask for a
 favor?"
 OhGodHeKilledSomeone.gif
 Me: "Uh, sure? Shoot."
 Friend: "My daughter can't sleep, could you tell a quick
 story over speakerphone? She loves listening to the
 recordings of our sessions before bed, but I left my
 laptop at the office so I can't play them."
 NaniTheFuck.mp3
 Me: "She listens to us to fall asleep?"
 Friend: "Yeah, but she really likes your plot and NPC
 acting bits. She calls you 'dumb dumb mister. Guess
 Dungeon Master is a bit hard for a preschooler."
 Me: "Wow...well, if it will help her sleep, then sure."
 Friend: "Thank you! Okay, give me a sec to head back to
 her room." (pause) "Okay, you're on speaker."
 Me: "Hey, [daughters name], it's uncle Anon."
 Daughter: (Happy gasp) "Dumb dumb Mister!"
 I'veNeverBeenHappierToBeCalledADumbDumb.jpg
 Me: "You ready for a story about...(DM IMPROV SKILLS
 ENGAGE)..the time your daddy and his friends went
 deep into a cursed temple to save a frost dragon egg?"
 Daughter: (Incomprehensible happy squealing noises)
 I then proceed to spend nearly 20 min spitballing a story
 over the phone for the most fascinated little girl until she
 eventually fell asleep. Friend thanks me for the help and
 says he'll see me on game night.
 Lay down in bed, actually feel content and comfortable
 for once. I should have thanked him
 I am the dumb dumb mister.
positive-memes:Bed time stories

positive-memes:Bed time stories

Crazy, Facebook, and Fail: Add Friend A fellow melanated creative recieved this deliberate discouragement in his tumblr inbox...what's crazy is...I can't really say that anonymous is wrong though. #Sad #P0C #WherelsTheSupport Ananymous s... you know ur kickstarter is going to fail, right? tumblr and the rest of the world doesn't care about visual novels featuring black people nearly as much as you seem to think they do. just look at how little notes your little project gets. Like Comment Share EN OF 2AL blackmoonbabe: askhimemiyaanthy: feminismdoneright: I’m going to point out some weird things about @projecttrinity‘s upcoming visual novel “Women of Xal” in relation to this site. 1) It’s an upcoming Kickstarter bound otome game that very obviously is PoC / People of Color WoC/ Women of Color centric. We’ve got a bi female lead with several romancable women. And it’s in a harsh matriarchal society ready to give some brutal parallels to our own. Being helmed by a very capable and snarky Black writer. The two programmers are women. The artists are women. The singers are women. One of the animators is a woman. AND THERE’S TANGIBLE QUALITY TO IT! I thought we’ve been asking for more projects like this for years now. But Tumblr has been the most quiet of the four sites it’s updating on??? (Youtube, Facebook, LemmSoftForums, Tumblr)  2) How are hateful anons finding this project before everyone else? Why are we letting Black creatives feel like the anon has a point about Tumblr not caring? Isn’t this site notorious for propping up content like this? Where are my feminists at?! Like, I truly get it: Most of you will have only just heard of this. And Tumblr didn’t make it easy in the first place. Tags and timing are madly important. But so are reblogs and follows! You’re reading this now - there’s nothing truly stopping you from showing that anon the middle finger. For every time WE DON’T JUST ‘HEART’ A CREATIVE’S POST and reblog/follow their content, we prove hateful anons like this wrong. And every time we prove them wrong, we send an encouraging message to other minorities who want to share their passions with the world, but face that uphill battle. And hey, the writer clearly has faith in this site still: You can find out more about the project here. Or, better yet, follow, and support the team here! (Bonus Note: If you’re someone who has been reblogging a lot of content from this team as well, cheers, fellow sisters! 3) Something unrelated, but, please help support! :)  Tumblr’s pretty good about ignoring black creators, hell alot of black people on tumblr are pretty good about ignoring black creators. Which really goes to show you most of the folks on here are just being performative for good noodle stars and aren’t really about anything.
Crazy, Facebook, and Fail: Add Friend
 A fellow melanated creative recieved this deliberate discouragement in his tumblr
 inbox...what's crazy is...I can't really say that anonymous is wrong though. #Sad
 #P0C #WherelsTheSupport
 Ananymous s...
 you know ur kickstarter is going to fail, right? tumblr and the rest of the world doesn't
 care about visual novels featuring black people nearly as much as you seem to think they
 do. just look at how little notes your little project gets.
 Like
 Comment
 Share

 EN
 OF
 2AL
blackmoonbabe:

askhimemiyaanthy:

feminismdoneright:

I’m going to point out some weird things about @projecttrinity‘s upcoming visual novel “Women of Xal” in relation to this site.
1) It’s an upcoming Kickstarter bound otome game that very obviously is PoC / People of Color  WoC/ Women of Color centric. We’ve got a bi female lead with several romancable women. And it’s in a harsh matriarchal society ready to give some brutal parallels to our own. Being helmed by a very capable and snarky Black writer. The two programmers are women. The artists are women. The singers are women. One of the animators is a woman. AND THERE’S TANGIBLE QUALITY TO IT! I thought we’ve been asking for more projects like this for years now. But Tumblr has been the most quiet of the four sites

it’s updating on???

 (Youtube, Facebook, LemmSoftForums, Tumblr) 
2) How are hateful anons finding this project before everyone else? Why are we letting Black creatives feel like the anon has a point about Tumblr not caring? Isn’t this site notorious for propping up content like this? Where are my feminists at?!
Like, I truly get it: Most of you will have only just heard of this. And Tumblr didn’t make it easy in the first place. Tags and timing are madly important. But so are reblogs and follows! You’re reading this now - there’s nothing truly stopping you from showing that anon the middle finger. For every time WE DON’T JUST ‘HEART’ A CREATIVE’S POST and reblog/follow their content, we prove hateful anons like this wrong. And every time we prove them wrong, we send an encouraging message to other minorities who want to share their passions with the world, but face that uphill battle.
And hey, the writer clearly has faith in this site still:

You can find out more about the project here.
Or, better yet, follow, and support the team here!

(Bonus Note: If you’re someone who has been reblogging a lot of content from this team as well, cheers, fellow sisters! 3)

Something unrelated, but, please help support! :) 

Tumblr’s pretty good about ignoring black creators, hell alot of black people on tumblr are pretty good about ignoring black creators. Which really goes to show you most of the folks on here are just being performative for good noodle stars and aren’t really about anything.

blackmoonbabe: askhimemiyaanthy: feminismdoneright: I’m going to point out some weird things about @projecttrinity‘s upcoming visual nove...

Arthur, Dallas Cowboys, and Nsfw: fracke TRIES NUDIT THE 5 REBLOGS CHALLENGE OPEN SHIRT 10 REBLOGS SHIPTLESS GERALT 15 REBLOGS PANTLESS DUTCH 25 REBLOGS UNDERWEAR ONLY 35 REBLOGS NUDE CENSO PAED) |ARTHUR 45 REBLOGS NUDE CuncensoRED BEBLOG THS PoST HACKERAXE. TUMBLR.COM hackeraxe: I read all your replies and decided to compile this little list! Not one, but all three of our fine young men, (if a nearly 100-year-old witcher counts as being young as well,) are up and ready to go for this challenge, and so am I. They’re my three favorite men to draw lately, so here they are!At 5 reblogs, there will be an open shirt Arthur Morgan drawing!At 10 reblogs, you’ll get to have a shirtless Geralt of Rivia!At 15 reblogs, you get to see Dutch without his pants on!At 25 reblogs, Geralt will only be in his undies!At 35 Reblogs, Dutch will be completely naked, albeit with a censor.And at a whopping 45 reblogs…Geralt, Dutch Van Der Linde, and Arthur Morgan will all be completely naked in all their glory, as nude as the day they were born.So, what are you waiting for? Reblog and tell all your buddies for the incoming shipment of nude cowboys and a witcher! All at the small fee of a few reblogs!(Disclaimer: These drawings won’t be immediate! I have to still complete one more gift drawing as well as a commission, so be patient. However, none of these can get started without your support!Disclaimer 2: This may be the very first time I ever draw male genitalia. I’ll be posting this as NSFW on my twitter account, if I figure out how to use this damn thing. https://twitter.com/hacker_axe)Have a great one, everybody! THIS POST BLEW UP SO FAST,, IM LEGIT SCREAMINGthe thirst is real
Arthur, Dallas Cowboys, and Nsfw: fracke TRIES
 NUDIT
 THE
 5 REBLOGS CHALLENGE
 OPEN SHIRT
 10 REBLOGS SHIPTLESS
 GERALT
 15 REBLOGS PANTLESS
 DUTCH
 25 REBLOGS UNDERWEAR
 ONLY
 35 REBLOGS NUDE
 CENSO PAED)
 |ARTHUR
 45 REBLOGS NUDE
 CuncensoRED
 BEBLOG THS PoST
 HACKERAXE. TUMBLR.COM
hackeraxe:

I read all your replies and decided to compile this little list! Not one, but all three of our fine young men, (if a nearly 100-year-old witcher counts as being young as well,) are up and ready to go for this challenge, and so am I. They’re my three favorite men to draw lately, so here they are!At 5 reblogs, there will be an open shirt Arthur Morgan drawing!At 10 reblogs, you’ll get to have a shirtless Geralt of Rivia!At 15 reblogs, you get to see Dutch without his pants on!At 25 reblogs, Geralt will only be in his undies!At 35 Reblogs, Dutch will be completely naked, albeit with a censor.And at a whopping 45 reblogs…Geralt, Dutch Van Der Linde, and Arthur Morgan will all be completely naked in all their glory, as nude as the day they were born.So, what are you waiting for? Reblog and tell all your buddies for the incoming shipment of nude cowboys and a witcher! All at the small fee of a few reblogs!(Disclaimer: These drawings won’t be immediate! I have to still complete one more gift drawing as well as a commission, so be patient. However, none of these can get started without your support!Disclaimer 2: This may be the very first time I ever draw male genitalia. I’ll be posting this as NSFW on my twitter account, if I figure out how to use this damn thing. https://twitter.com/hacker_axe)Have a great one, everybody!

THIS POST BLEW UP SO FAST,, IM LEGIT SCREAMINGthe thirst is real

hackeraxe: I read all your replies and decided to compile this little list! Not one, but all three of our fine young men, (if a nearly 100-...

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...

Target, Tumblr, and Blog: nasreenparachas: I’ll always be here for my nearly-wife. Nearly-wife? Nearly wife! She my bloody nearly-wife, mate!
Target, Tumblr, and Blog: nasreenparachas:

I’ll always be here for my nearly-wife. Nearly-wife? Nearly wife! She my bloody nearly-wife, mate!

nasreenparachas: I’ll always be here for my nearly-wife. Nearly-wife? Nearly wife! She my bloody nearly-wife, mate!

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...