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Ass, Catfished, and Definitely: Tos pm Telstra 0 Can your job pay trom my crack addiction. Il be your friend or A more if you want to? Only if my repayment is you fuel my crack addiction My address is 122 Thomas St. Dandenong Vic 3175 So how did you want me to sneak in?l assume they've got guards around the place Dress up as a ninja turtle and tell them your here to entertain me And than give me my crack so we can smoke together. I know a place Send Typea esage 705 pm Telstra 0 Okay but which one?1 think if came as the wrong one it' blow our cover Attention to detail is how we pull this off Raphaet Iike em tough Rough Only if I can tie you up using my red face mask smoke your pipe if you do go through with tying me up. And maybe even do more if you play your moves correctly In that case when do you want me there by Tre eage Send Tatatre 40 708 pm 3am wear your best jocks Kidding me?i won't be weanng any Much better expect you to be already undressed when t get there as we may heed to move quickly I only fuck with socks on. Miss me with that gay shit m I can work with that Remember though for payment t need my fair share of your crack I thought your bringing the crack Type mesage Send Teletra 0 106 pm bring the crack But i want your ass as my payment Oh you'll have that in spades Perfect. Sounds lika a fine date to me see you there So who are you really Lmao Some bloke on her tryn to catfish some mother fuckers I'm a Nigerian prince just here to have some fun Typeeage Send Telstre 40 706 pm 12% Must be pretty rich then d Are you actually addicted to crack? Fuck no. Woukdr't even have the taintest of idea of where to get it Are you? I got peer pressured to smoke sum in year 7 haven't been the same since Should definitely see someone bout it Shit fucks your ife up which I'm sure you've found out Ive been clean for about 3 years now but considered doing it A again after my recent break up Tye a meage Send Tatutre 40 708 pm now Dur consIoerea aong it again after my recent break up Nah nah don't do it. 3 years is an accomplishment a lot of peosle dream of achieving Honestly, if that's actualy you in that photo (which r'm highly doubiting nether less), they're missing out big time. Thank you for our conversation. You're a genuine guy and I hope you do find someone who likes you for you. Don't give up on love! Thank you very much, appreciate that Good luck with everything for you ype age Send Don’t do crack kids
Ass, Catfished, and Definitely: Tos pm
 Telstra 0
 Can your job pay trom my crack
 addiction. Il be your friend or
 A more if you want to?
 Only if my repayment is you fuel
 my crack addiction
 My address is 122 Thomas St.
 Dandenong Vic 3175
 So how did you want me to sneak
 in?l assume they've got guards
 around the place
 Dress up as a ninja turtle and tell
 them your here to entertain me
 And than give me my crack so
 we can smoke together. I know a
 place
 Send
 Typea esage
 705 pm
 Telstra 0
 Okay but which one?1 think if
 came as the wrong one it' blow
 our cover
 Attention to detail is how we pull
 this off
 Raphaet Iike em tough
 Rough
 Only if I can tie you up using my
 red face mask
 smoke your pipe if you do go
 through with tying me up. And
 maybe even do more if you play
 your moves correctly
 In that case when do you want
 me there by
 Tre eage
 Send
 Tatatre 40
 708 pm
 3am wear your best jocks
 Kidding me?i won't be weanng
 any
 Much better
 expect you to be already
 undressed when t get there as
 we may heed to move quickly
 I only fuck with socks on. Miss
 me with that gay shit
 m
 I can work with that
 Remember though for payment t
 need my fair share of your crack
 I thought your bringing the crack
 Type mesage
 Send
 Teletra 0
 106 pm
 bring the crack
 But i want your ass as my
 payment
 Oh you'll have that in spades
 Perfect. Sounds lika a fine date
 to me
 see you there
 So who are you really Lmao
 Some bloke on her tryn to
 catfish some mother fuckers
 I'm a Nigerian prince just here to
 have some fun
 Typeeage
 Send
 Telstre 40
 706 pm
 12%
 Must be pretty rich then d
 Are you actually addicted to
 crack?
 Fuck no. Woukdr't even have the
 taintest of idea of where to get it
 Are you?
 I got peer pressured to smoke
 sum in year 7 haven't been the
 same since
 Should definitely see someone
 bout it Shit fucks your ife up
 which I'm sure you've found out
 Ive been clean for about 3 years
 now but considered doing it
 A again after my recent break up
 Tye a meage
 Send
 Tatutre 40
 708 pm
 now Dur consIoerea aong it
 again after my recent break up
 Nah nah don't do it. 3 years is an
 accomplishment a lot of peosle
 dream of achieving
 Honestly, if that's actualy you in
 that photo (which r'm highly
 doubiting nether less), they're
 missing out big time.
 Thank you for our conversation.
 You're a genuine guy and I hope
 you do find someone who likes
 you for you. Don't give up on
 love!
 Thank you very much,
 appreciate that
 Good luck with everything for
 you
 ype age
 Send
Don’t do crack kids

Don’t do crack kids

Being Alone, Beautiful, and Bodies : I can build an inpenetratable wall around Asgard. Only thing I want as payment is the goddess of love, Freya.. Okay everybody, calm down. This isn't the first time a jotun wanted me for his bride I'm used to this problem by now and we just gotta- and the beautiful Sun and sexy Moon. YOU WANT ME AS PART OF A HAREM!!?!?! I'VE NEVER BEEN SO DISRESPECTED!!!! systlin: would-we-be-friends-if-i: thehmn: In case you don’t know this story, the Norse gods wanted a wall around Asgard to protect themselves and a jotun only known as The Builder offers to make it in exchange for Freya, Sun and Moon. Freya gets rightfully pissed and refuses (no word on Sun or Moon’s feelings about this), so Loki turns into a female horse and lures The Builder’s horse away, causing all work on the wall to stop. Because he can’t finish the wall The Builder has to leave without Freya, Sun and Moon. Loki disappears for 9 nine months and returns with an eight-legged foal (yes, he had sex with the horse and got pregnant. I know you all love that part). The end. For some reason people often leave out that The Builder wanted Sun and Moon too, and English translations often translate it to “the sun and moon” as if he wanted the heavenly bodies, but no, he wanted the goddess and god responsible for said heavenly bodies. He absolutely intended to have sex with all of them which is why a lot of translations leave out Moon because ew that’s gay. Freya didn’t want to marry a Jotun, let alone as part of a god damn harem me thinks. Hoooold up are you telling me the Sun is female in Norse myth? Cuz its usually male, across other mythology. Yep. Mani is the god of the moon, and Sol is the goddess of the sun in Norse myth.
Being Alone, Beautiful, and Bodies : I can build an inpenetratable wall
 around Asgard. Only thing I want as payment
 is the goddess of love, Freya..
 Okay everybody, calm down.
 This isn't the first time a jotun
 wanted me for his bride
 I'm used to this problem by
 now and we just gotta-
 and the beautiful Sun and sexy Moon.

 YOU WANT ME AS PART OF A HAREM!!?!?!
 I'VE NEVER BEEN SO DISRESPECTED!!!!
systlin:
would-we-be-friends-if-i:

thehmn:

In case you don’t know this story, the Norse gods wanted a wall around Asgard to protect themselves and a jotun only known as The Builder offers to make it in exchange for Freya, Sun and Moon. Freya gets rightfully pissed and refuses (no word on Sun or Moon’s feelings about this), so Loki turns into a female horse and lures The Builder’s horse away, causing all work on the wall to stop. Because he can’t finish the wall The Builder has to leave without Freya, Sun and Moon. Loki disappears for 9 nine months and returns with an eight-legged foal (yes, he had sex with the horse and got pregnant. I know you all love that part). The end.
For some reason people often leave out that The Builder wanted Sun and Moon too, and English translations often translate it to “the sun and moon” as if he wanted the heavenly bodies, but no, he wanted the goddess and god responsible for said heavenly bodies. He absolutely intended to have sex with all of them which is why a lot of translations leave out Moon because ew that’s gay.
Freya didn’t want to marry a Jotun, let alone as part of a god damn harem me thinks.


Hoooold up are you telling me the Sun is female in Norse myth? Cuz its usually male, across other mythology. 

Yep. Mani is the god of the moon, and Sol is the goddess of the sun in Norse myth.

systlin: would-we-be-friends-if-i: thehmn: In case you don’t know this story, the Norse gods wanted a wall around Asgard to protect themse...

Click, Fucking, and Tumblr: service@paypal.com [Your Summary Statements] Recent Transaction Update: Your recents payment processed can't completed . Your Payment Processed Has Been 1:17 PM service@paypal.com <paypal-communications@notification.accountsupport-suspicious-email-access-account-locked3987209782404756792345webappsemailonedrive.mǐ Reply IV 圈^ m ., Today, 1:17 PM PayPal Your Payment Processed Has Been Declined Dear Client This is part of our buyer protection program. We're concerned that someone is using your account without your knowledge. Recent activity from your account seems to have occurred a suspicious or under cirumstances that may be different than usual. Please check that no one has logged in to your account without your permission. For more information, Please log in to PayPal and see the section limited. Review Y0иґs Accounts After we review your documentation, we'll email you regarding the status of your PayPal account. Thank you for your understanding and cooperation. If you need further assistance, please click Contact at the bottom of any PayPal page. Sincerely, PayPal amphiaria: amphiaria: this is the most sophisticated phishing e-mail I have ever received and if they had sized the logo correctly and actually proofread the fucking thing I probably would’ve clicked that button actually please reblog this because someone else got it too. do not click on the links in this e-mail if you get one like it, just forward it to spoof@paypal.com and delete it
Click, Fucking, and Tumblr: service@paypal.com
 [Your Summary Statements] Recent Transaction Update: Your recents payment processed can't completed . Your Payment Processed Has Been
 1:17 PM

 service@paypal.com <paypal-communications@notification.accountsupport-suspicious-email-access-account-locked3987209782404756792345webappsemailonedrive.mǐ
 Reply IV
 圈^ m .,
 Today, 1:17 PM

 PayPal
 Your Payment Processed Has Been Declined
 Dear Client
 This is part of our buyer protection program. We're concerned that someone is using your
 account without your knowledge. Recent activity from your account seems to have
 occurred a suspicious or under cirumstances that may be different than usual.
 Please check that no one has logged in to your account without your permission. For more
 information, Please log in to PayPal and see the section limited.
 Review Y0иґs Accounts
 After we review your documentation, we'll email you regarding the status of your PayPal
 account.
 Thank you for your understanding and cooperation. If you need further assistance, please
 click Contact at the bottom of any PayPal page.
 Sincerely,
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amphiaria:
amphiaria:
this is the most sophisticated phishing e-mail I have ever received and if they had sized the logo correctly and actually proofread the fucking thing I probably would’ve clicked that button
actually please reblog this because someone else got it too. do not click on the links in this e-mail if you get one like it, just forward it to spoof@paypal.com and delete it

amphiaria: amphiaria: this is the most sophisticated phishing e-mail I have ever received and if they had sized the logo correctly and actua...

Click, Fucking, and Target: service@paypal.com [Your Summary Statements] Recent Transaction Update: Your recents payment processed can't completed . Your Payment Processed Has Been 1:17 PM service@paypal.com <paypal-communications@notification.accountsupport-suspicious-email-access-account-locked3987209782404756792345webappsemailonedrive.mǐ Reply IV 圈^ m ., Today, 1:17 PM PayPal Your Payment Processed Has Been Declined Dear Client This is part of our buyer protection program. We're concerned that someone is using your account without your knowledge. Recent activity from your account seems to have occurred a suspicious or under cirumstances that may be different than usual. Please check that no one has logged in to your account without your permission. For more information, Please log in to PayPal and see the section limited. Review Y0иґs Accounts After we review your documentation, we'll email you regarding the status of your PayPal account. Thank you for your understanding and cooperation. If you need further assistance, please click Contact at the bottom of any PayPal page. Sincerely, PayPal amphiaria: amphiaria: this is the most sophisticated phishing e-mail I have ever received and if they had sized the logo correctly and actually proofread the fucking thing I probably would’ve clicked that button actually please reblog this because someone else got it too. do not click on the links in this e-mail if you get one like it, just forward it to spoof@paypal.com and delete it
Click, Fucking, and Target: service@paypal.com
 [Your Summary Statements] Recent Transaction Update: Your recents payment processed can't completed . Your Payment Processed Has Been
 1:17 PM

 service@paypal.com <paypal-communications@notification.accountsupport-suspicious-email-access-account-locked3987209782404756792345webappsemailonedrive.mǐ
 Reply IV
 圈^ m .,
 Today, 1:17 PM

 PayPal
 Your Payment Processed Has Been Declined
 Dear Client
 This is part of our buyer protection program. We're concerned that someone is using your
 account without your knowledge. Recent activity from your account seems to have
 occurred a suspicious or under cirumstances that may be different than usual.
 Please check that no one has logged in to your account without your permission. For more
 information, Please log in to PayPal and see the section limited.
 Review Y0иґs Accounts
 After we review your documentation, we'll email you regarding the status of your PayPal
 account.
 Thank you for your understanding and cooperation. If you need further assistance, please
 click Contact at the bottom of any PayPal page.
 Sincerely,
 PayPal
amphiaria:

amphiaria:
this is the most sophisticated phishing e-mail I have ever received and if they had sized the logo correctly and actually proofread the fucking thing I probably would’ve clicked that button
actually please reblog this because someone else got it too. do not click on the links in this e-mail if you get one like it, just forward it to spoof@paypal.com and delete it

amphiaria: amphiaria: this is the most sophisticated phishing e-mail I have ever received and if they had sized the logo correctly and actu...

Money, Bank, and Dollar Store: assoc Heliu Due to the increase in temperature, we will NO LONGER be accepting money $2 carried in your bra. Thanks, P cy le Management ACELL RE Check Adcptance Policy Política de Aceptación de Cheques LE A valid Photo ID is required: valid photo ID is a driver's license, Military ID, or State issued ID. Se requiere un documento de identidad con fotografía valido; documentos de identidad con fotografia válidos son la licencia de EAR r, la tarjeta de identificación militar o una tarjeta emitida conduci Your name and address must be printed on your check por el estado. Su nombre y dirección deben estar impresos en el cheque. El cheque debe girarse hasta por la cantidad de la compra Your check may be written for up to the purchase amount Cuando proporciona un cheque como forma de pago, usted autoriza a cheque para realizar una transferencia Sta When you provide a check as payment, you authorize Certegy to use information from your check to make a one-time electronic funds transfer (EFT) from your account, process the payment as a check transaction, or use a bank draft. If your payment is returned unpaid, you authorize Certegy to collect a Service Charge, via a one-time EFT or using a bank draft drawn on your account. The Service Charge charged will be the maximum allowed by law Certegy a usar la información de eav electrónica de fondos (EFT, por sus siglas en Inglés) por única vez su cuenta, procesar el pago como una transacción de cheque, pago debido a fondos desd bien, usar un giro bancario. Si se devuelve a insuficientes o no cobrados, usted autoriza a Certegy a cobrar un cargo por servicios a través de una EFT por única vez o mediante un giro bancario extraido por su cuenta. El cargo por servicios será el máximo permitido por la ley WE WELCOME YOUR CHECK DOLLAR GENERAL We Sign at my local dollar store
Money, Bank, and Dollar Store: assoc
 Heliu
 Due to the increase
 in temperature,
 we will
 NO LONGER
 be accepting money
 $2
 carried in your bra.
 Thanks,
 P cy le
 Management
 ACELL
 RE
 Check Adcptance Policy
 Política de Aceptación de Cheques
 LE
 A valid Photo ID is required: valid photo ID is a driver's
 license, Military ID, or State issued ID.
 Se requiere un documento de identidad con fotografía valido;
 documentos de identidad con fotografia válidos son la licencia de
 EAR
 r, la tarjeta de identificación militar o una tarjeta emitida
 conduci
 Your name and address must be printed on your check
 por el estado.
 Su nombre y dirección deben estar impresos en el cheque.
 El cheque debe girarse hasta por la cantidad de la compra
 Your check may be written for up to the purchase amount
 Cuando proporciona un cheque como forma de pago, usted autoriza a
 cheque para realizar una transferencia
 Sta
 When you provide a check as payment, you authorize Certegy
 to use information from your check to make a one-time
 electronic funds transfer (EFT) from your account, process the
 payment as a check transaction, or use a bank draft. If your
 payment is returned unpaid, you authorize Certegy to collect a
 Service Charge, via a one-time EFT or using a bank draft drawn
 on your account. The Service Charge charged will be the
 maximum allowed by law
 Certegy a usar la información de
 eav
 electrónica de fondos (EFT, por sus siglas en Inglés) por única vez
 su cuenta, procesar el pago como una transacción de cheque,
 pago debido a fondos
 desd
 bien, usar un giro bancario. Si se devuelve a
 insuficientes o no cobrados, usted autoriza a Certegy a cobrar un cargo
 por servicios a través de una EFT por única vez o mediante un giro
 bancario extraido por su cuenta. El cargo por servicios será el máximo
 permitido por la ley
 WE WELCOME
 YOUR CHECK
 DOLLAR GENERAL
 We
Sign at my local dollar store

Sign at my local dollar store

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...