Melkath @ Melkath @kbin.social

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Joined

2 yr. ago

We know.

Nothing will happen.

7 year cool down, and unless you are Trump and can afford extremely expensive legal representation, your odds of actually getting a full discharge of debt go down.

You understand that you could sentence Guliani, the world famous Mayor of New York during 9/11 to walk naked into the Antarctic tundra and he will be scooped up and pampered even harder for it.

By Maga. By Russia. By the fascist cops who justify their blue line culture by the legitimacy of post 9/11 "support the troops, thank the first responders" horse shit we showered them with for 20 years.

He should be in a cell.

Put them in cells.

However luxurious they can make that cell (less wifi), the only thing we can do with these fascists is to confine them to a cell and an orange jumpsuit.

Everything else is futile.

That's actually really good advice.

Cheers.

I feel like you are missing the point.

People win the lottery every day.

There are far more CWD prions than lottery players, and it would only take one of those prions to mutate into a form that could infect humans.

Again, I will reiterate, putting on a blindfold, putting your fingers in your ears and going "it won't happen, lalala!" is a pretty dumb way to approach it.

We just saw the masses do it with Covid.

We had a novel disease, we just needed to behave for a couple months, the sweeping majority did, but the remainder of fuck-nuts out there went "it's not a problem, lalala!" and now we have endemic covid, sweeping segments of the population struggling with long covid, infection rates are going through the roof again, and now new even more severe consequences like epilepsy are showing up in children post infection.

2 of the rules of life. 1) Microorganisms will mutate. 2) People will be aggressively ignorant and will make sure the mutated microorganism will do as much damage as possible. Because they certainly cant miss that Blink 182 reunion tour...

Yup. Precisely.

My main point is that, in general, it is better to prepare for the more problematic eventualities than to go "nuh uh, that isn't going to happen. Everything is going to be fine. Don't touch my cheese."

Given infinite time, infinite possibilities present.

Quite literally, it IS only a matter of time, unless you are really good at standing in the corner with a bag over your head saying "nuh uh. Things that I dont like and that I am afraid of will never happen," in which case it still is only a matter of time, you are just ignorant and argumentative.

I mean, it makes sense (to me at least) that spouses would inherit debt "that was their spouses", with the possible exception of established prenuptial/last will and testament agreements creating a grey area in favor of the surviving spouse.

By default, a marriage is a merging of finances and households.

Without things like prenups and wills, a divorce is going to be a process of splitting all liabilities and assets 50/50. Similarly, without prenups and wills, the surviving spouse is going to inherit all of assets AND all liabilities (because technically they always held them in tandem with their spouse).

Now, if there was always a prenup, Hubby always had the money, Wifey was on a weekly/monthly allowance, and Hubby had a will where he left all the money to his son from another woman, leaving Wifey with nothing, Wifey didn't get any assets, obviously she doesn't inherit any debt.

Outside marriage, I think it should go like this:

Upon death, non-liquid assets get distributed. Timmy inherits the Pontiac GT, Harriet inherits all of the clothes, Wilfred gets all the furniture, Freddy gets the house. Any SECURED liability on the non-liquid assets stay attached. Dad had 3k left on the car loan for the Pontiac, Timmy can take over that car loan. If Freddy doesn't want Dad's house worth 300k dollars with 200k left on the mortgage, he has the option to liquidate the house, but the proceeds from that sale go into the liquid assets of the estate, not into Freddy's pocket.

After non-liquid assets have been distributed/liquidated and BEFORE any liquid assets get distributed as inheritance, liability holders for the estate get to fight over what ever liquid assets are there. If the estate, after liquidation, has 400k in liquid assets, secured liability holders (the mortgage company) are going to get first stab at the money. The mortgage company recovers its 300k. Then any unsecured liability holders (Dad's credit card he ran up to 60k dollars) get next stab at the liquid assets. They recover their 60k, that leaves 40k in liquid assets.

If the liability of the estate exceeds the liquid assets of the estate, no dollars are going to anyone in the family. Liability holders get all the money, and some of them probably get stiffed on the remainder.

In no event does unsecured liability get shuffled off on a successor of the deceased.

If there are no liquid assets left after liability has been resolved, Frankie doesn't get the 10k Dad's will said was bequeathed to him.

No idea how all of this actually plays out. Just my opinion on what should happen with an estate after death.

I don't disagree with you.

Just describing the existing system.

This is becoming a running thing for me on Kbin. Describing the system and facing people who are angry about the system.

I don't endorse it. I think it is bullshit. But it is what it is until we figure out how to make them fix it.

"Inheriting debt" as far as I am aware has never been legally validated.

At least in America, the courts are silent about it.

Like, your paychecks can't be garnished in the name of inherited debt, but the courts also wont stop debt collectors from going after a person for inherited debt.

If the surviving family buckles under the harassment and pays, they buckle and pay. If they hold strong and wait for the collectors to move on, they don't pay.

Bankruptcy doesn't mean without money.

It means your liabilities exceed your assets.

Liquid assets go straight towards liabilities, real assets TEND to stay untouched, some physical assets are sold off, some aren't, then after that little dance, the remainder of liabilities are discharged.

So yes. When you walk out of a bankruptcy, in general, your quality of life has changed very little, you are just starting over in terms of LIQUID assets.

That is what bankruptcy was designed to be.

So those people need to put in effort, learn, and be functional members of society.

Bullshit that you can't pay 15 dollars a month and 15 dollars to your medical debt a month.

If you can't do that, you need to figure your shit out... until we implement single payer Healthcare. Which we should.

America does not have single Payer Healthcare. Theft is criminal. You are encouraging people to be criminals.

But noone is forcing them to use ER as primary care.

You are you so fervently spreading that misinformation?

Obama passed a bill to get EMERGENCY care to those who need it and people like you have exploited that legislation to scam hospitals.

15 dollars a month gets you insurance.

If you didn't bother to go through the process, you can still see a doctor for 200 dollars, which can be held as debt and paid back in however small installments you need. You do need to pay it though.

There is literally no reason for an uninsured person to run up a 2000 at the ER for primary care. Absolutely no reason.

You are telling people in a bad place to do the thing that will make their situation, and all of our situation, worse to the maximum degree.

I am 100% for changing the system and moving to single payer.

We have not done that.

I am against criminal theft that leads the continued skyrocketing of Healthcare cost under the system we have that also harms people who actually need ER facilities.

If I should be ashamed of not endorsing criminal theft, then consider me super ashamed.

No.

Minimum/Good faith payments.

Carry the debt. Like everyone else.

Don't be a criminal.

What is so hard to understand about this?

You cant afford a car. Do you go and steal a Lexus? No, you get a used PT Cruiser and you make the payments. Capitalism isn't that hard to understand, if you live in America, you need to understand it until we get some Socialism installed, which I am for, but breaking the existing system and fucking over the rest of us is not the way.

Taking on 300 dollars in debt for a trip to a private practice is FAR better than taking on 3000 dollars in debt by going to an ER. And just skipping out on the bill you run out isn't an option. That is theft.

Well spoken, good points. I do take exception to:

the majority of individuals who cannot afford insurance are also likely the patient who cannot afford a cash pay clinic

and

The fact is also that a large number of uninsured patients will simply have their ER bills written off by the hospital

You are going into emergency care. You are doing gods work. For your sanity, I think you have the best outlook to take on what you are about to take on. That said...

An ER is always going to cost orders of magnitude more than a private practice. When the hospital "writes off" bills, they aren't waving a magic wand and making that expenditure of resources disappear. The hospital is making the call that collections activities cost money and will never see a return, so they roll the debt into pricing.

That is precisely why hospital care is so cripplingly expensive today.

Insurance or not, hospital care will bankrupt you. That is because poor uneducated people are misinformed and are exploiting the system, causing MASSIVE damage to the system as a whole.

Again, great compassionate mindset for when you are in the ER seeing the patients, but very damaging rhetoric to be preaching to the open internet.

Yikes what?

I am all for the US going single payer. We aren't though.