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A died this past, and Citibank billed her for February and March for their annual service charges on her credit card, and then added late fees and interest on the monthly charge. The balance had been $ , now is somewhere around $. A family member placed a to Citibank: Family Member: "I am ing to tell you that she died in." Citibank: "The account was never closed and the late fees and charges still apply." Family Member: "Maybe you should turn it over to collections." Citibank: "Since it is two months past due, it already has been." Family Member : "So what they do when they find out she is dead?" Citibank: "Either report her account to the frauds division or report her to the credit bureau, maybe both!" Family Member: "Do you think God be mad at her?" Citibank: "Excuse me?" Family Member: "Did you just get what I was telling you the part about her being dead?" Citibank: "Sir, you'll have to speak to my supervisor." Supervisor gets on the phone: Family Member: "I'm ing to tell you, she died in." Citibank: "The account was never closed and the late fees and charges still apply." Family Member: "You mean you want to collect from her estate?" Citibank: (Stammer) "Are you her lawyer?" Family Member: "No, I'm her great nephew." (Lawyer info given) Citibank: " Could you fax us a certificate of death?" Family Member: "Sure." (fax number is given) After they get the fax: Citibank: "Our system just isn't set up 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. I don't think she care." Citibank: "Well, the late fees and charges do still apply." Family Member: "Would you like her new billing address?" Citibank: "That might help." Family Member: "- Memorial Cemetery, Highway , Plot Number 69." Citibank: "Sir, that's a cemetery!" Family Member: "What do you do with dead people on your planet?" big tits Turnberry abbot
- that glowing blue streak puck? LOL Realistiy, the owners have too much money, the players make too much.. and that little weasel Bettman is the cause of a lot of issues!!! Really way back when Lord gave the Cup to the NHL there was a stipulation in the agreement stating "if there was no NHL or playoffs, then the Cup was to be used in lower divisions.. it was to be awarded each year the only times the Cup was NOT awarded was during the massive influenza outbreaks like I believe.. (my years could be a little off) Either way, the NHL- Owners, players, Bettman had NO for Lord Stanleys Cup going to a lower division. So it was a matter of time before they settled. Saddly, The Toronto Leafs havent won a Cup since the 60's but yet is the most profitable NHL team.. thru ticket sales and merchandizing. You guys like your football (NFL is a sissy game but thats another topic CFL bigger field, 1 less down, and our balls are bigger) , we like hockey :) in need of a fun woman with skillsThe JOINT checking and savings accounts (assuming there is/was one) balance not spent on Community debt as of the actual day of separation on court paperwork (or date is when you both decided to get divorced and took concrete steps like moving out of the same bedroom, etc if no filing done yet) is between the two of you; each should take their half and put into their own Separate checking account in only their name; account should be closed as as feasible. If you opened or kept an account in JUST your name during the marriage you have to PROVE that the current balance does not contain ANY earnings you made prior to the separation date and after date of marriage- documentation is your friend here. Any earnings paid after the date of separation are each your own Separate Property. How about houses and cars and debt? Any purchased or incurred before the marriage are Separate Property, all purchased during the marriage and not with Separate money is Community Property and subject to equal division or an equalization payment to the shorted party. Now, once you've done all the above calculations- go back to him with the figures for Separate on one spreadsheet and the figures for Community on another that divides up the stuff into two columns (for you and for him) and add how much you figure the household stuff is worth USED to his column too. THAT is your starting point for 'negotiations', and what a Judge likely rule for if it ends up going to trial vs a mediated agreement or an out of court agreement you both sign and file. adult meeting
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