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Going in debt over medical cost?

I have just hit a place that I am very stuck. I have 4 boys. 3 have ADD. I will try to make this short. Hubby retired from one job and started another. Well the insurance for the old job was to expensive to keep paying the premuim. He got insurance on the new job. In december, he was eligable. Our kids are considered pre existing. Now I have applied for medicaid. We cannot get medicaid cause we are insured.but yet are pre existing. we have to wait 6 months if we were to drop the insurance that is already pre existing. We were out of debt for a matter of 1 month.

We are sliding back into debt so fast it is not even funny. These meds are high cost. I have no clue what we are going to do. I really need to be home with the kids. Do to the fact my husband has mild bipolar? He was just diagnosed in dec. I really need a break from all this. I cant seem to find any job online or to do at home that is not a scam. Increasing my income would be a solution to the problem. But finding something that can be done with the kids around is the hard part. Does anyone have any suggestions?

medical billsStart a collection business or offer the services to others in the area.. In my searching for a job to work from home, I came across a fantastic site… www.virtualvocations.com for very legitimate at home jobs and there are lots of them! You have to pay for the service, but you can join for as little as $7 for a week to see how you like it.

Good luck…I have a child who is bipolar and ADHD and my husband was recently diagnosed with ADD. I, too, am trying to keep my sanity. Just keep up the hope!

Also, check out http://www.liveops.com/ – I have never personally used but have heard from some that do who love it.

I would suggest 2 things – one, contact the manufacturer of the medication. Most pharmaceutical corps have programs for those who cannot afford their medications – especially ones that are considered “necessary”.

Two – ask your doctor’s office for samples. Drug company reps encourage doctors to prescribe their medications by providing “sample” packs. These are designed to give to the patients – most of the time all you have to do is ask and they will give it to you if they have it. My favorite nurse actually contacted a rep and asked for samples for me and they gave me 2 month’s worth of an asthma inhaler. Good luck!

Also most states have a low cost insurance coverage for children – my kids have been covered since birth and I have to recert every year, but they cover everything from dr visits, prescriptions, some over the counter meds, vision, I am even getting a break on my daughter’s braces because her teeth are so bad they affect her speech.

Very good point. This is how I was able to try a certain analog insulin (Apidra) for a few weeks. It was not actually good for me, but saved me having to jump through the ‘pre-auth’ hoops to get it to find out.

I got another samples pack earlier, a few years ago, and that has been the best one for me. Having those samples to see it working or not is a smart move for anybody IMO.

(Celebrating the 13th anniversary of my 39th birthday today a little more out of debt every month….)

My problems began when I got divorced.

I have been a member for quite some time, probably over a year. Just lurking around reading all the great information all of you share with one another.

My problems began when I got divorced. I had a huge amount of debt, way more than I really could handle but I wanted to do the right thing and pay for my mistakes. I joined a consumer debt counseling group and religiously made those payments, for years I really had just about nothing. Finally I see the light at the end of the tunnel. The company I was working for in California was in the process of laying us all off. They had a great severance package going and I knew that the last few thousand would EASILY get paid off and id have more to spare. Finally I am going to get to enjoy some of the money I work so hard for.

So I open my first credit card in 6 years and get some bedroom furniture. No big deal right since I got this major severance thing coming. Well instead 9/11 happens, I get laid off 2 months before they had planned. And so im out of a job, living in California with huge expenses. Unable to find a job, I moved to Florida where a family member lives. Finally start getting back on my feet. Unfortunately, my debt payments stop cause I really cant afford it. Everything goes back in arrears, well its not remotely as much as it used to be but yes, collection calls come.

Few years go by, we are doing better. I decide to deal with this stuff again, join another CCCS place. But they are not even remotely as good as the first place. Everything gets messed up. The companies have sold off my debts YEARS ago to collection agencies and they just want more and more money. I finally decide I just cant do this anymore. I decided if they want the junk I have they can take it all, I dont care anymore. I dont have another 50 or 100 bucks to give them. So I turn off my phone and ignore everything and everyone that comes looking for me.

3 years later, somehow my husband and I are able to buy a house….I really have no idea how. Financially we are doing ok actually. Building credit even though all this junk is on my credit report. In fact most of my debt is reported on my credit report at least twice or 3 times. I have been so dissapointed by this that I havent done anything about it. I keep hearing that the 2nd time I started paying it all I reset the 7 year collection period. So will this junk from over 10 years ago just stay on my credit report for another 7 years?

Sorry for the book.

Thanks for any advice.

Up to my ears in debt

  • i am a re-entry adult college student
  • i am 34 years old
  • my “i love debt” score is 571
  • I am up to my ears in debt, owing around $64,000 total;
  • the majority of it is student loans
  • my car financed in 2013
  • a treadmill i financed a few months ago

on the negative/delinquent/deragotory account side i have 2-4 accounts falling off my credit report this year due to statue of limitations but also there are 4 credit cards, that are chargeoffs, opened in 2012 with humongous fees attached to them.

I would like to someone how get those cards either re-opened and pay the previous balance (before the fees the Collection Agency added to them) so they dont show chargeoff and pay on it to get it to show as paid as a greed.

Is there any way to get those cards to report positively on my credit report?

Does anyone have a Goodwill Letter they can show me that was effective for them?

Thanks everyone.

Hey, watch this video, it may be useful for you:

Сhanging jobs

Hi. It’s been awhile since I said much.

We’re not in as much trouble as some, but I don’t know where we’ll be in the next few months. Right now we have a good amount of cc debt, but we can make the minimum payments and a little extra. I’m mainly focused on putting money away in the bank. The reason is, my husband is getting out of the Navy February 29th. We have enough saved up for one month’s worth of bills. (I know it’s not a lot) We’re looking forward to a nice tax return to help as well. Between that and unemployment, we can probably last for 2-3 months.

We didn’t really plan on him getting out so soon, it just happened that way. I mean we though he couldn’t get out until October but he was told in December that he has a chance to get out in February. His option if he doesn’t get out in February? To extend until the end of the next deployment. (December) or extend until 2019. He’s already been in 9 1/2 years and been on 4 deployments, one of which ended up being 9 months instead of the usual 6. We have 3 young kids and feel like he needs to get out before they’re all grown up. He’s missed out on SO much.

We’re hoping he can get a good federal or government job and he will join the Navy Reserves. I may have to get a part time job. We have a house and that’s our main concern. I don’t know if I’m looking for advice, I just wanted to share our current story.

Thanks for listening!

My intro and my situation

I guess like most I have been following I am in debt from cc over use. serious debt to the tune of 90-100K.

Incredible. I can’t understand how it got out of hand so much and so quickly. I can’t even show you a big screen tv or pictures of some fabulous vacation or a huge new car to explain this debt. It is just nickles and dimes that added up quickly.

I am ok with my mortgage and car and 5 or so cc. But another 5 or so cards I am seriously delinquent and one even dropped me to a collection agency. These companies have been calling the house and work and I have been avoiding their calls. I can’t even begin to think where I could get money to offer them.

What do I do first…or second…or third….to try and turn things around? thanks for any guidence.

There’s probably more knowledgeable people than me who can give you more details, but I’d recommend that the first thing you do is lay out your budget. Can you pay your minimum payments on the current cards? What do you have available, if anything, to give to the old cards? Then pick up the phone (I’ve had to do this, it isn’t actually that bad). Call those old cards and try to set up a payment plan of some kind.

Then, do your best to stop using credit cards and stick to cash, and sloooowly pay everything down.

That’s a start, anyway. Anyone else? :)

Question about my apartment complex

apartmentsI think I wrote to you guys previously ergarding a situation I had with my former apartment complex. I sent the apartment complex a letter requesting reciepts and a copy of the performance bond they reponded and sent me a copy of the performance bond that I signed, i dont remember signing it and they sent me a copy of the Apartment cleaning checklist that I signed, which listed the fees for the items they are charging me for.

I don’t dispute the bill even though it’s high, what I am disputing is the performance bond if they file the claim, the performance bond goes in as a judgement against me, they have the right to takke my car, garnish my wages, etc..

The apartment complex says they will revise the bill from $2500 when someone moves in and they expect soemone to move in on 1/18/07, the bill probably will be reduced to abotu $1800

I dont know what to do? I don’t have $1800, I dont want them to take my car and take all my wages

my car is not totally owned by me, it is financed through a bank, so i am thinking that the owner is the bank since I make payments tot he bank if i i miss one payment the bank will reposess the car. does that mean the performance bond company cant take my car since I dont own it? does anyone know anything about arizona laws? What amount of income is exempt from garnishment? I take home about $2000 a month after taxes

Typically non secured debt is 10-15% of your take home. They cannot take your car since you do not own said car. That would be like someone repo’ing the apartment you are in for some other debt, you don’t own it, so they can’t take it.

What I would do since you don’t dispute the charges, is send them another letter, saying I can make $50 per month payments, or whatever, and send them a good faith check/money order. I believe, and check with your state laws first, that once they accept a payment that’s agreement in this case.

I wish I would have read this before I sent off the letter. I did send a letter offering $60 a month but I didn’t send a good faith check. I said if the arrangements were agreeable I would start sending the checks on the 1st of each month starting with February 1. Havent heard back yet, but it’s only been a couple days.

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