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.

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

Never, ever, EVER pay so much as a single cent on a debt owed by someone who’s passed away. You make even a single payment and that’s considered you accepting responsibility for the debt, and they can then legally expect you to repay the whole thing.

They’re like vampires - they can’t collect unless you let them in. Don’t invite them in.

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN. 

DO NOT EVER PAY OFF DEBTS THAT AREN’T YOUR OWN.

and DON’T consolidate your student loans with your significant other!  if something happens to them you are legally on the hook for that money!

meirl

Listen, I’m part of the generation that uses humor to cope, I love all the memes about 2020 just as much as you guys do. I laugh at the “we got the real roaring 20′s”, “we wanted 2020 to be a movie but we got the wrong genre”, “we really thought 2020 would be our year” sardonic tweets.

But to the people like me, who really thought 2020 would be their year?

Love, I’m so sorry. I’m so sorry you walked into this year with a smile and hope, and that smile immediately fell, and that hope was immediately crushed

I’m sorry that every day there’s something else, I’m sorry that you’re scared, I’m sorry that you’re angry, I’m sorry that you’re tired.

And I know, I know that you’re having a hard time hoping again. Trust me, I know.

But this year, Adam Castillejo became the second person to be cured of HIV

This year, James Patterson art up a fund to help Indie bookstores

This year, scientists finally managed to record the narwhal 

This year, White Storks have hatched the first wild chicks in 600 years

This year, the worlds largest open-air gallery was opened with paintings by individuals with learning disabilities

This year, an eleven year old skateboarder landed the worlds first 1080 degree turn

This year, scientists mapped the entire surface of the moon for the first time ever

This year, Sweden and Austria closed their last coal plants

This year, White Tailed Eagles are spotted flying over England for the first time in 240 years

This year, NASA launched astronauts to a US space station for the first time since 2011

To all the people like me, who thought 2020 was their year: We’re here. We’re alive. The world will grow. The world will heal. Maybe 2020 isn’t our year of stress free fun and memories, but it can be our year to learn and stand up and fight, so that next year? We get everything we hoped for.

Don’t give up, don’t leave. There’s a world waiting for you.

We just have to keep living, right?

Like we always do.

when healing from a person.. you will have thoughts like “I loved them more than I loved anyone, I never knew I could love someone so much, I’ll never love someone that much again..”

It is important to realize that your ability to love that person didn’t come from them, it came from within you. You were always a lover, already someone who could love deeply. Just because they are gone doesn’t mean that goes away. They didn’t give you the capacity to love, they just gave you a place to express it. Don’t give someone else the credit for how hard you could love, that was you and it still is.

How we greet friends now

2020 mood

(via forever-can-be-just-one-second)

Nikita Gill, Girls Made of Fire (via wordsnquotes)

dude where’s my

ability to experience pleasure in the things that give me a reason to live

Scary Sips: Halloween Drinks masterpost

Hey Fab Bats! Every time I post something Halloween related, there’s always some dude who says “It’s not Halloween yet!!!!”. Sorry, but I cannot hear you over the sound of my Jack Skellington mug of pumpkin spice latte, Beetlejuice slippers, Bela Lugosi cape and Ministry playing VERY LOUDLY in the background. Halloween is serious business *inserts plastic vampire fangs*. So please, take a sip from one of these fine Halloween Related drinks…

Cocktails and Potions

Shots and shrieks

Non-alcoholic or Straight Edge juice

Themes

Serving ideas

For monster munches, here’s a Halloween Treats masterpost.

What do you drink on the daily? Any favorites on the list? What career do you hope to embark on in the afterlife? Comment!

Questions? ✝ Help me keep posting!

ITS NOT OCTOBER

WHO CARES

Every month is October you uncultured swine

Now that’s the spirit!!!!!!

knotted-vines