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demtenjeep

(31,997 posts)
Sun Dec 14, 2014, 04:43 PM Dec 2014

If you are paying a company in hopes of putting money away for your burial be wary and careful

My mother had been paying quite a bit (for her on a fixed income) a month since 1997 when my father passed-She/we thought she had over 8 grand to pay for her final expenses. When we planned her funeral and things last week, we found out that where ever she had been paying went bankrupt and although the funeral director is trying to locate the money there probably isn't any.

the funeral was 10 grand and we did not go expensive. We had no extras- the county where she is buried required and outer vault and we got the cheapest one available even though it isn't very protective. The only thing we could have gone cheaper on was the casket, but I put my foot down and said we were not laying her to rest in some vinyl feeling shit box. My brothers and sisters said but the one you picked out is 600 more. I said well I am paying for it so I am saying this is what we need to do. She is our mother and she deserves something nice.

My older brother who is 62 and I split the cost of the funeral because my 4 other siblings just don't have it. They have all promised to give us money from time to time but my brother and I don't ever expect it. Nor do we need it and will never ask them about it. It is what it is.

However, it pisses me off to no end that companies can rip off the elderly and nothing will be done about it.

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If you are paying a company in hopes of putting money away for your burial be wary and careful (Original Post) demtenjeep Dec 2014 OP
Not me. I don't care what they do with my old dead ass The Velveteen Ocelot Dec 2014 #1
Me, too. I howled at a newspaper article I saw recently woo me with science Dec 2014 #9
Same here. Only going with cremation and going into a colombarium for the benefit of the kid. freshwest Dec 2014 #12
I want to be cremated and stuffed into a peanut butter jar. Vinca Dec 2014 #14
I own cremation agreements for both myself and my daughter. Are these part of what you are talking jwirr Dec 2014 #2
I don't think so. ..she was paying some company in TX that was supposed to be saving her money demtenjeep Dec 2014 #3
If it's through a cremation society, probably not REP Dec 2014 #5
Minnesota Cremation Society. Should be okay. jwirr Dec 2014 #18
I am so sorry to hear about your mother. peace13 Dec 2014 #4
I've always considered this a scheme. I'm sorry your mother got Cleita Dec 2014 #6
Thanks. Will keep this in mind. elleng Dec 2014 #7
Google Preneed Funeral Services and Doug Cassity kaiden Dec 2014 #8
I know you're still griieving and your mom thought she was doing the malaise Dec 2014 #10
My Prudential Policy just matured. They have to pay it out. It was for my funeral katmondoo Dec 2014 #11
Make sure that you have the papers to the plot marked ' paid in full' and that.... peace13 Dec 2014 #15
When my grandfather died... RoccoR5955 Dec 2014 #13
I want to die quietly in my sleep like my grandpa did... benz380 Dec 2014 #16
Well I guess asking if she has life insurance... Historic NY Dec 2014 #17
the funeral director is a friend of ours demtenjeep Dec 2014 #19
Sorry she got ripped off. Arugula Latte Dec 2014 #20

The Velveteen Ocelot

(115,732 posts)
1. Not me. I don't care what they do with my old dead ass
Sun Dec 14, 2014, 04:46 PM
Dec 2014

and probably nobody else will, either. I figure I'll eventually fall down the stairs and break my neck and the cats will eat me. Cheap and efficient.

woo me with science

(32,139 posts)
9. Me, too. I howled at a newspaper article I saw recently
Sun Dec 14, 2014, 05:39 PM
Dec 2014

talking about a new cemetery for the indigent in our area.

The proofreader missed that it was described as an "indignant cemetery."

I said, if/when I end up dead and too impoverished by our corporate state even to afford a funeral, that's the cemetery I will be proud to occupy (pun intended).

freshwest

(53,661 posts)
12. Same here. Only going with cremation and going into a colombarium for the benefit of the kid.
Sun Dec 14, 2014, 06:20 PM
Dec 2014

Funerals are for the living, not the dead and nothing will bring back the ones we love. Kid will also get the same treatment, with a little bit more to have a service as there are friends to attend, and will be dumped in with me.

If I had my druthers I'd go up to the top of a snowy peak or old growth forest and breathe my last there and be at peace at last. Let the wild animals have a meal later, if they thought it worthwhile.

Only doing the rest out of pity for the kid. I don't even want to die at a hospital or hospice. But we don't always get to choose when the heart is involved. I refuse to be sentimental over a funeral.

That's just me, I know some people who have spent many thousands on their affairs as a family or community get together and had great sending off ceremonies. Music, everything. No one in my family cared about it, just made sure they had their plot and everything paid for to not be a burden to anyone else

I did that too, for both of us. Nice and tidy, including picking us up and cleaning us, nothing for anyone to do and be bothered. Each to his own.

It is widely said that cats will eat their dead owners. But I'm sure you've made plans for their welfare when you're gone...

Vinca

(50,278 posts)
14. I want to be cremated and stuffed into a peanut butter jar.
Sun Dec 14, 2014, 06:37 PM
Dec 2014

No service. No nothing. And as cheaply as it can all be accomplished.

jwirr

(39,215 posts)
2. I own cremation agreements for both myself and my daughter. Are these part of what you are talking
Sun Dec 14, 2014, 04:47 PM
Dec 2014

about?

 

demtenjeep

(31,997 posts)
3. I don't think so. ..she was paying some company in TX that was supposed to be saving her money
Sun Dec 14, 2014, 04:54 PM
Dec 2014

and giving her interest for when she died. She lived in Kansas.

She had about 400 grand after my father died and she went through it like it was water. She did this all on her own and wouldn't let any of us give her any guidance so we had no idea if some salesman took her for a ride. We only found out when she died. She had told us she had 6-8 grand for her final expenses. We were expecting that so when we went to make plans hours after she died, we then found out that what ever company she thought she was paying money too probably stole her money.

We are going to pursue it and see what we can recoup and I will do my part to help this to not happen to others.

REP

(21,691 posts)
5. If it's through a cremation society, probably not
Sun Dec 14, 2014, 04:55 PM
Dec 2014

My mother had made arrangements through a cremation society, and including copies of the death certificate, the cost was about $1100.00 this May. We did not pay for embalming (not required), or a casket, or a piece of land - all things she considered outrageous wastes of money, even before reading The American Way of Death (I encourage everyone to do so). There is no need for the living to bankrupt themselves for the dead.

 

peace13

(11,076 posts)
4. I am so sorry to hear about your mother.
Sun Dec 14, 2014, 04:54 PM
Dec 2014

I understand how hard it is to make those decisions, especially when you thought everything was taken care of. Three years ago I wanted to pay ahead oh my sister's services and the money was put into some sort of funeral business savings association. I do not remember the exact term but the money was not held by the funeral home and we could have used it at another funeral home had we needed to. This is something to look for when prepaying. Not sure how long this has been available but it takes some of the worry out of the plan

Take care. I hope that they can locate your mother's funds. Take care. Kim

Cleita

(75,480 posts)
6. I've always considered this a scheme. I'm sorry your mother got
Sun Dec 14, 2014, 04:55 PM
Dec 2014

suckered into it and it was probably from a desire to spare you the expense.

kaiden

(1,314 posts)
8. Google Preneed Funeral Services and Doug Cassity
Sun Dec 14, 2014, 05:33 PM
Dec 2014

The law firm where I work is busy putting all these Ponzi-scheme characters in prison and trying to recover over $600 million. People would prepay for their funerals thinking the money would be there to pay for the services when they died. Instead, the money disappeared. You will find much to read and shake your head about. Two of these characters were the inspiration for HBO's Six Feet Under.

malaise

(269,054 posts)
10. I know you're still griieving and your mom thought she was doing the
Sun Dec 14, 2014, 05:42 PM
Dec 2014

right thing. Put your money in a credit union burial scheme and stop enriching the grifters and snake oil salesmen who always manage to declare bankruptcy when it's time to deliver our money.

Sue the relatives of the business owner.

katmondoo

(6,457 posts)
11. My Prudential Policy just matured. They have to pay it out. It was for my funeral
Sun Dec 14, 2014, 06:04 PM
Dec 2014

It is not a lot and I have my plot paid for. I am going to put it in a savings account, not much interest but I believe it will be safe. I don't trust any type of investment Mutual funds etc. My daughter has power of attorney so she can have access to the account when needed. Also I hope to add to if I can.

 

peace13

(11,076 posts)
15. Make sure that you have the papers to the plot marked ' paid in full' and that....
Sun Dec 14, 2014, 06:56 PM
Dec 2014

... They are with your will. My friend's mother always talked about being buried with her mother. We were surprised that she was not on the paperwork. Surprised to the tune of $1500.

 

RoccoR5955

(12,471 posts)
13. When my grandfather died...
Sun Dec 14, 2014, 06:33 PM
Dec 2014

He wanted to be cremated.
The fire didn't go out for a week, and was a heat source for the crematorium.
We were going to bill them for the equivalent in oil, which they usually used, but decided not to.
I want to go the same way!


















(sarcasm intended)

benz380

(534 posts)
16. I want to die quietly in my sleep like my grandpa did...
Sun Dec 14, 2014, 07:26 PM
Dec 2014

...not like the three screaming passengers in his car.

Historic NY

(37,451 posts)
17. Well I guess asking if she has life insurance...
Sun Dec 14, 2014, 07:39 PM
Dec 2014

but from the sounds of it she doesn't. A funeral home will accept the policy if there is one signed over. Many states have laws preventing just what happened and stiff fines for the offender.

 

demtenjeep

(31,997 posts)
19. the funeral director is a friend of ours
Sun Dec 14, 2014, 11:52 PM
Dec 2014

he is helping is figure this out and we will get to the bottom of this. Her Funeral was last Monday and after that, he began making calls and he is keeping us informed. He said he had not seen anything like this before but it is a small town.

If my mother had asked for help instead of doing things all on her own, we could have prevented all of this. She wanted to show us all she could do finances on her own. Before dad passed, he always took care of everything.

 

Arugula Latte

(50,566 posts)
20. Sorry she got ripped off.
Mon Dec 15, 2014, 12:08 AM
Dec 2014

I think the whole principals of funerals, caskets, burials, and the like is a scam, but that's just me. I'm donating my bod to science and I don't care what they do with the ashes. If I didn't do that I'd try to do a green burial in a compostable shroud. The worms could nibble me up -- at least I'd be put to some use.

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