Senate subcommittee examines medically-related rule changes for bankruptcy Bills.com
By Lucy Sanderson A woman who eventually filed bankruptcy due to her son's medical bills recently testified before a Senate subcommittee.Kerry Burns testified before the subcommittee about how she and her husband were forced into bankruptcy because of their son Finnegan's medical bills. Finnegan died last March at the age of 4 1/2 after fighting cystic fibrosis. Through her testimony, Burns said she and her husband have faced financial ruin, which is coupledwith the pain they have felt from losing their boy.
The purpose of the subcommittee was to examine a bill put forward by Rhode Island Democratic Senator Sheldon Whitehouse. The bill would make it easier for people facing medical bills to file for bankruptcy.
Whitehouse said that families in the country may be one medical diagnosis away from bankruptcy.
"As we in Congress continue working on broad legislation to reform our broken health care system and ensure accessible, affordable health insurance
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www.thedebtdoctors.com The lawyers at The Debt Doctors are available to help guide you on a path to financial recovery, to provide relief and to ...
Legal advice?
Im paying off medical debt owed to my health insurance company. It should now be paid in full, but they're sneaky and I want to make sure they don't come back saying I owe more. I want to write something on my check relieving me of any future debt to them from my accident. Does anyone know how I can word this so it makes sense?
you write on the cheque" I offer this cheque in full and final settlement "
You're better off sending your final payment by certified mail, with a letter stating that according to your records the check enclosed, check # xxxx is the final payment due for $xxxx and account # xxxxx is now paid in full. If this is not correct do not cash this check but contact me immediately to resolve any difference concerning this balance.
Then write payment in full for account #xxxx on the memo of the check, as well.
Legal advice please. Is there anything I can do?
I was married to Brian. Acquired a medical debt regarding one of our children. He said he would take care of it. He never did and never told me. He died. I had tried to make payments while I was working. I had a stroke and am not working now. I have since married someone else and they have served me with judgement papers. I do know that my current hubby is not resposible for the debt but how can I protect HIS money and HIS assets from these people?
If I can prove that all money going into the bank is from HIS job can I keep them from attampting a levy against it?
First...If you're not working they cannot attach anything, but if you start working again, they can attach, and can attach bank accounts. You need to have your current husband checking or savings account only in his name. The debt is not in his name, so they can't take any money out of the account if in his name only.
Legal action / help / advice - financially destructive mom-in-law? HELP! (sorry 4 bad grammar; no space left)?
Im looking 4 a way 4 my husbands father 2 stop his wife from accessing money & credit. For years, shes been a binge spender (her latest is $80K+ over 14 mo's on an internet clothing business thats sold $0), depleting all except for a $40K 401(k) (b4 paying off $60K+ in CCard debt). My father-in-laws 74, & wont b able 2 work much longer 2 pay 4 her spending. Its begun 2 affect his health since he cant afford 2 have any elective medical procedures b/c they have no money. She always finds a way 2 get more money/credit: shes stolen her husbands computer passwords so she can transfer funds & even stolen her sons identity 2 obtain 3 CCards when he was in college! If she doesnt stop, they will lose their home. After my husbands father dies, it'll be our responsibility 2 ensure she doesnt go homeless (& it'll also give her motive 2 try 2 steal the savings weve accumulated). Shes not incompetent, just stupid & selfish! Is there a specific field or law (non-criminal) that would help with this???
you could sell the rights to your story to Dr Phil
As far as his wife goes you all have enabled her to continue to commit fraud and steal from you all. No one wants to have her be held accountable for her actions. This is what happens when all continue to bail her out of the mess she creates. She might think twice if she had to work and pay these bills herself.
I used "Credit Solution" to settle my debt and improve my credit score.They managed to reduce my debt up to 58% .It's legitimate.I came across this company on NBC News Special Edition.Check it out here:
http://nanoref.com/linksynerg/F2brKg
do i still have to worry about old medical bills?
almost 2 years ago, i incurred a big medical debt, almost $16,000 and was told i could apply for medicare or medical. i was only in my 20's and it was my first time to the states. back then i was just a visitor but i have since become a legal resident and now live here in the US. however i was sent collectors notices warning me to pay this $16,000. i have not paid anything. during the time of my hospitalization i had no social security, no insurance whatsoever. mind you i was from a third world country. however i received my social and permanent residence less than 6 months AI and am worried the past hospital bill will affect my credit and i will have to eventually pay. i havent recieved any notices since i got my ssn thought... (worried)
i know im responsible but honestly, i was just suffering from a really bad fever, but since i wasnt getting any better the doctors suggested i stay a couple nights and for many expensive tests which all added up..SOME ADVICE PLEASE
Yes this should adversely affect your credit and yes, you are liable.
Just because you didn't have the social security number when the debt was incurred doesn't mean the collection agency won't be able to report this derogatory item to your credit file.
It is entirely possible that the collection agency will sue you, win a judgment, then garnish your wages, attach your bank account, and lien your property. Judgments are good for a very long time and can be renewed. They can wait till you have something to attach.
Contact the collection agency and work out a settlement. You might be able to settle the debt for half if you can come up with a lump sum payment or a very short payment plan. Get any settlement agreement in writing and don't give the collector direct access to your bank account.
What do landlords or managers look for in a credit report?
I currently own a condo and want to rent it because I am moving to Hartford fairly soon. The market is horrible right now to try and sell!
I plan to rent a place in CT. Most of the ads I see request a credit check. My credit isn't horrible but not good due to debt to income (my credit score is pretty low). I don't have forclosures, repos or deliquencies on accounts. Just a few medical bills that are pending legal action.
What do they look for when they view the credit report?
I took a huge pay cut due unfortunate circumstances. I relocated from Georgia with my son and had to leave my successful career to start over again. I now have an opportunity of a lifetime at the same company I worked for 7 years. So my credit isn't due to lack of responsibility- just hard times!
Any advice would be great. I just would hate to find a great apartment and then get turned down due to credit issues that could be fixed when my salary increases- which it will by $25,000 and then some.
Try to explain your situation to the landlord. I am rebuilding my credit because I lost my job. ( so I feel your pain) It sucks and it takes to awhile to rebuild and recover. Cause credit is built around time.
I know its hard to make payments when you are struggling. But I called my creditors and they were willing to work with me. Even if its small payments it shows ppl that you are willing to pay.
When you sit down with a landlord or leasing office. Treat is a job interview and sale yourself. Dress nicely, thorougly explain your situation and initiate a larger deposit. I put 2000 dollars down (for a studio!) but I they were willing to except as a great risk to take.
So if you come across intelligent, ambitious, and convincing you will be fine.
Good luck with the move!
Scammed by Katherine Gibbs College!? (In RI) Help!?
Hi, I'm a twenty year old female who has 50 credits towards her AS degree in science for Medical Assisting - I'm so close to being done and I've been through hell just to get this far. I need advice, legal advice would be best but any might help.
If you didn't know, Katherine Gibbs is now closing. An advisor at Gibbs pushed me to transfer to CCRI, as they were on a list he provided me with of "schools that would accept credits from Gibbs." Apparently, that was a crock. I withdrew from Gibbs and all summer long have been in a battle between the two schools. CCRI says Gibbs lied, there was never any agreement, etc. Gibbs stands by their story. I am not alone, there are other Gibbs students who couldn't transfer their credits to CCRI also. So as time has wasted, with no other way to turn, I decide I have to go back to Gibbs. I wrote a beautiful letter to their Department of Academic Reviews and guess what.... I GOT DENIED to come back! After I've taken out thousands and thousands of dollars worth of loans! There was nothing wrong with my grades. They lied over and over, misinformed me, and now leave me with no place to transfer my credits!? How can a school close leaving you with thousands of dollars in student loan debt and nowhere to transfer your credits to!? Is this in any way ethical? I am a young woman trying to better my life yet I get treated like I'm trying to commit a crime! This school scammed me and I'm not letting my hard work go, not for no one, not for anything in this world! HELP! I am filing a complaint with the Department of Education. What else can I do!? (PS There's nothing wrong with my grades, so it's not that)
I suggest you contact the Attorney General's Office in the state in which the school is located, and the Board of Higher Education in that state. In every state I've known, all colleges and schools are licensed or approved or authorized -- various terms are used. Good luck!
Scammed by Katherine Gibbs (Gibbs College) in Rhode Island!?
Hi, I'm a twenty year old female who has 50 credits towards her AS degree in science for Medical Assisting - I'm so close to being done and I've been through hell just to get this far. I need advice, legal advice would be best but any might help.
If you didn't know, Katherine Gibbs is now closing. An advisor at Gibbs pushed me to transfer to CCRI, as they were on a list he provided me with of "schools that would accept credits from Gibbs." Apparently, that was a crock. I withdrew from Gibbs and all summer long have been in a battle between the two schools. CCRI says Gibbs lied, there was never any agreement, etc. Gibbs stands by their story. I am not alone, there are other Gibbs students who couldn't transfer their credits to CCRI also. So as time has wasted, with no other way to turn, I decide I have to go back to Gibbs. I wrote a beautiful letter to their Department of Academic Reviews and guess what.... I GOT DENIED to come back! After I've taken out thousands and thousands of dollars worth of loans! There was nothing wrong with my grades. They lied over and over, misinformed me, and now leave me with no place to transfer my credits!? How can a school close leaving you with thousands of dollars in student loan debt and nowhere to transfer your credits to!? Is this in any way ethical? I am a young woman trying to better my life yet I get treated like I'm trying to commit a crime! This school scammed me and I'm not letting my hard work go, not for no one, not for anything in this world! HELP! I am filing a complaint with the Department of Education. What else can I do!? (PS There's nothing wrong with my grades, so it's not that)
You need a lawyer, that is not right. Good Luck!
Need some good solid credit advice!!?
Tyring to get a low interest rate mortgage and the rules state no collections are allowed unless paid 6 months prior. A verizon bill from 2002 went unpaid and was incorrect, I disputed they removed. Now I find out that Debt Recovery Solutions purchased the debt and dated it as 2007 on my credit report. I do not believe this is legal under the FDCRA, and I even offered to pay 70% to remove (they wanted check over phone I want agreement in writing). WHat are my options, should I argue that the debt occured in 2002 and should be aged out or is it legal for me to write a check with a date 6 months ago so as I can clear this up and get the mortgage.....
Also hve a 153.00 Medical collection on my account. I can pay in full but need this off my credit six months ago. Again, can I write the check with a 6 month prior date or is there another way to remove a medical bill??
need credit advice?
two months ago I paid off everything on my credit report. My exp and equifax have both jumped up almost 100 points. however, My transunion report still shows all the debt. I sent a copy of the payments, and the letter from the company who has all of these accounts showing they were paid to transunion disputing them. By the way they were all medical, I called the collection agency, and they said my wife had a bill however it was before we were married. They said that if i didn't pay it they wouldn't mark everything paid. Transunion did there dispute and didn't remove anything. What are my legal recourses, I have the letter with every account showing paid from them. The best part is they waited till after I paid everything to do this to me. Also one more quick thing.... I also have a bank of america showing derogatory, but it wasn't my account. BOA says its not I did a dispute, and now it shows paid but derogatory how do I proceed with this. Thanks in advance for your inpute.
This is easy. You send a letter to the companies that still show bad credit. You state in your letter your case then end it with, "By reporting this mis-information, you are in violation of the Fair Credit Reporting Act as well as the Fair and Accurate Credit Transaction Act. I expect this issue to be resolved immediately or I will be forced to pursue further course of action as allowed in the Fair Credit Reporting Act and local laws."
Copy your letter to all 3 credit reporting companies (there actually about 5 but just copy the big ones). Copy the Better Business Burea and as well as the federal trade commission. They will take you seriously then and it will disappear.
Can a kid (18 yrs old) be held responsible for a medical bill when their father signed the papers for it?
Hi, I was living with my dad in Missouri when I was 18 yrs old. He made me go to hospital in Jan '07 for some x-rays of my wrist because it was giving me trouble. When we went, I didn't sign a single document. He did all of the paperwork.
I moved out in May '07 for college and am now in a different state and no longer communicate with him. I just got a bill in the mail from a debt collection agency saying that I have a debt at the hospital in Missouri where we went.
I called to let them know that they needed to contact my father about the bill, but they said that because I was 18 at the time, the bill was my responsiblity. When I told them that I had never signed any documents accepting legal responsibility, they said that it didn't matter - that because I was 18, it was still my bill.
I don't understand how this could possibly be legal. Please, if you have any experience with this kind of situation or even some advice, it would be appreciated. Thank you.
Yet another reason why this country sucks. Holding dependent kids liable for the responsibilities of their parents.
If you were living with your dad in Missouri, and you were still in high school, then even if you were 18 you're still a minor (at least I think that's the way it is in the state I live. I don't know about Missouri) and the responsibility of your parents or legal guardian.
In the state that I live, I think if you have not yet finished or graduated from high school, then you are still considered a minor, until you complete high school, even if you're already 18 (this is to protect high school students (especially those in foster care/wards of the state) who turn 18 during their senior year of high school from being kicked out by parents or "aged out" of the foster care system, and disrupting their final year before they complete high school)
Anyway, I would check into the laws of the state of Missouri to find out your rights.
However, I would think that if you were living with your dad, and he was claiming you as a dependent on his tax returns, then you could probably claim, that whether or not you were a legal minor, you were still in school and dependent on him.
In the meantime, maybe you should talk to your dad, and tell him you can't pay that bill, and maybe he will help.
If you can't talk to him, for whatever reason, if you have his address, you could just forward the letter to him, with your address crossed out and marked "Addressee Moved, Forwarding Address Unknown" (LOL!!)
Good Luck!!
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