Help Debts

Posts Tagged ‘4 months’

Silly me just got into the habit 4 months ago to check my credit from all 3 bureas on a regular basis. When I checked my credit, I see there is an account in deliquent status. It’s a doctor bill. They claim my insurance did not pay something. I have been to this doc several times, and was never notified about a bill. They never called me or sent an invoice. I would have paid if I knew I owed. I got the doctor to send me a bill now-2 years later. This is ruining my credit. Don’t they have to notify you if a debt is owed? The last time I was at his office 2 years ago, my final bill was {content}. How do I handle this properly? I am not sure how you handle collections with a doctor.

Please no comments like-You should have known, or it’s your fault, because I WAS NOT notified in any way about this debt. This debt was applied to my credit while I was still under his care! I don’t even think the doctor is making true claims.
Oh, by the way, I can’t get this doc to call me back-only his secretary.

We received a letter saying that he was being sued by Capital One for a debt owed. His credit limit was 0, but they’re saying over 0 is owed. I’ve done a lot of research on this, and some people are saying it’s illegal for them to do so and whatnot. But anyway, his court date is tomorrow morning and we’re a little unsure about what could happen. He does not have an attorney. What are the normal court procedures? Can someone give us some advice on how to handle this tomorrow morning?

Thanks for your help!
Jack – There’s not much more to the story then what’s above. I was pretty shocked myself – it happened over a year ago, and about 4 months ago he received something in the mail saying they were suing and that he needed to go to court.
Of course it should’ve been paid, but bad decisions were made and now we’re in this predicament.

I got my B.Sc in Microbiology 10 years ago in middle east, for one year I studied English, became a private tutor for 2 students teaching them English once a week for one hour "don’t ask me how, they were really basic", and did a couple of translating jobs part time. A year later I passed the TOEFL and went to Europe and finished my Masters 7 years ago. My English still wasn’t good enough so I worked for 3 days as a waitress in a restaurant, worked for 2 months 5 days a week in a retail shop as a retail assistant and then went back home to middle east for 9 months. Came back to Europe, started a PhD in Molecular biology for 6 months, then couldn’t afford to pay for it anymore, and became a part time telesales person, for 6 months and after than I did telesales for 2 years full time because that was the only job I could find. Then I worked a bank for 6 months as a full time debt collector. Again another telesales job for 2 months. Then I volunteered for a pharmaceutical company to do telesales for them free, but they offered me a minimum wage 9 pounds an hour, worked there for 4 months, then the company was dissolved and I was back to do telesales for another month and that’s when I married and got pregnant and stopped working all together. When my baby was 1.5 years old, we came to US and I got a scholarship to do my PhD here, I studied for one year, I was pretty good at it, but my professor had a serious health problem and resigned so I ended up in total confusion again. It’s been almost 9 months since I left the university and I am in serious need of making a career decision and stick to it. I don’t have work experience in US, and I don’t know where to start? I don’t know if I should go back and start a PhD at another university all together and hopefully this time, I get it,,,,, or I should forget about molecular biology and build a career in another field. Regarding sales, I don’t really want to go back to sales, because it’s very stressful but I don’t have any other experience.

Please give me some advice, I am thinking what to do day and night, I got depressed, I am sleepless, confused and need some help. And I need to make money, my husband isn’t making enough money at all, and we are basically on unemployment benefits. He helps out his friends and they kind of give him something but it isn’t anything major. I am worried about my baby who is now 4 and I don’t have any solid work experience to rely on and don’t know where to start.

Thank you

I started a membership with Premier Fitness in May 2008 and purchased 36 personal training sessions. They opened 2 accounts for me – one for the regular membership (account A), and one for the personal training (account B). Both accounts are bi-weekly, A is , B is whatever the total is for the PT sessions, divided by 26.

My trainer got fired after I used up 19 of the 36 sessions, so I stopped training with a trainer, as they were supposed to find me a good replacement. They didn’t. 2 months later I got hired as a personal trainer at the gym myself, and I was told that all employees get free membership.

They kept charging my credit card for another month and a half (3 payments), and I tried many times to tell them to update their records and stop, but they didn’t. So, I canceled my card. That, in theory, left another 4 months of gym membership on account A, and whatever was left on account B.

A year and a few months later I get 2 letters, one for each account, saying that I owe about 0 on account A, and 0 on account B (which claims that I also purchased some nutrition package, which I didn’t). I call and from the call it seems that they want me to pay the 0, and "we can deal with the 0 later"… As far as account A goes, I was under the impression that if I’m an employee, I get a free membership, and this will stop. Account B – i signed an agreement to get training and pay for it… considering they never provided me with the service, are they entitled to the balance? I did the math, and the money I had paid to the point when I canceled my card was exactly for 22 sessions, at their hourly rate.

Now they threaten to send me to a collections agency unless I pay them… To add insult to the injury, they owe me over 0 in wages for months now, but they don’t care – they say it’s 2 departments, and to get my wages, I have to start another war. They also want things in writing, but they never provide anything in writing – that gym is one big mess and paperwork is almost impossible to get.

What should I do? What happens if I don’t pay? What can they do to my credit (that other than this would be perfect)? I read something about "debt expiration of 2 year"… are they worried about that so they want me to pay the small one just so the timer gets reset, or am I misunderstanding that?

Any advice would be welcome.

Thanks!

I am 22 with a health condition and no health insurance. Because of this I have acquired a lot of debt. I work at a dealership in West lake and I live about 45 minutes away from my job. My car broke down and they tried to see if i could qualify to get another car. When she checked my credit, it was so bad that she said I should contact a bankruptcy lawyer and soon. I can’t even apply for a college loan and it is affecting my life very badly. Of course it’s not like I go out spending money I don’t have and can’t pay credit cards, it’s simply because of my health issues and needed immediate medical help. No insurance would cover me because of the famous "preexisting medical condition" excuse. And when I went to the free clinic they told me I made too much money (exactly too much). I need advice on whether I should do this or not. I am worried what will happen, but I need this debt handled with. Of course what the free clinic didn’t mention is how I live on my own, pay all of my bills, I don’t have cable, internet, or a nice car because they’re not necessities and I can’t afford them, that I can’t even afford meds to keep me going, or the actual medical tests and treatment that doctors say I desperately need. Someone please tell me if bankruptcy is the answer. I am so young and I my credit is so tarnished, I fear it won’t be fixed.
E&L: Ps I do have a fulltime job that provides health benefits, I just started 1month and a half ago. I wont get coverage until 6 months and then about 4 months to kick in

guy probs..need others advice….i have my boyfriend living with me…weve been dating for about 4 months now…ive known him for about 6-7…..k so hes not really taking charge in our relationship…i am a mother of a 3 yr old child…its like he accepts me but not the fact of being a "step-dad" he says that when he was growing up his step side of the family like his stepmom wouldnt really disciplin him or anything so he doesnt feel that its his place….now ive been having my probs with him since he got the new car on a sort of advance from my mother…she has her own business and i gt him a job with her….now i have been debating the issue of dumping him….i want to break it off completely but i dont want to throw him out on the street without a job and with a debt to my mother….how do i go about either saving the relationship or ending the relationship?…..
PS….sex hasant been good either….i mean feelingless….sex is there but its not sensual…its just there…..
HELP I NEED ADVICE….feel free to be as cruel or brutally honest as u may feel u have to be…for i def need to hear it from all angles

Having been in an RTA in 2008 I lost my job, my wife worked (supporting us both for the 1st year after the accident) then gave up work due to the arrival of our beautiful baby girl. We had to claim benefits (where she gets every penny of it excluding tobacco money, I some times get £10 every two weeks for myself!) but I have no real `personal allowance` mainly due to needing every penny to keep us afloat which I understand, but she was like this when we were both working! I never go to the pub (well, once every 3-4 months, and am only aloud £10 at most!) or buy luxury items (neither does she, excluding make up, women’s magazines, coffee at the shop with her friends, etc.) but spending on small items (sometimes cloths for her) is one sided! Like I said, I have to justify buying a chocolate bar where as if she wants something she will just buy it!Not insulting her but she is a controlling woman in most aspects of our relationship, if I am involved in ANYTHING, she needs all of the facts and forces her input on me, never giving me the space to `be a man` and make decisions on unimportant things that don’t directly effect our home life/security. She will tell me how to handle things that I have already processed and know how to deal with! Not giving me the respect to see if I can deal with things on my own. As a family unit we need to work as a team in financial issues, I get that BUT it does not stop there! I am fed up with hearing..what you should do is.. or why didn’t you do it this way, simple fact is I feel like I am not aloud my own mind but must conform to her way (and her parents way) of thinking on EVERY aspect of MY PERSONNAL life (not disagreeing that we need to act as a team on financial/home issues) but I feel I have not identity of my own or freedom to act as a single person in unimportant issues or minor finances.

Now in 2010 (still awaiting second op) we are still on benefits and I am still unable to work, not likely to for the next year while I heal from the next op in a couple of months. Since the accident my wife has had total control over "our" money. We are expecting quite a large pay (large to me) out soon and cant agree on the details of spending it. My wife is the type who needs to know EVERY detail of EVRYTHING. I quite literally cant buy a chocolate bar with out her moaning about it or having to `justify` myself! We are lucky enough to be debt free at the end of the claim as I intend to pay off ALL of our debts. We cant agree on what to do with the `left over` amount!

An example..

Lets just say we get £15,000 ( I don’t know the correct figure but have already rejected an offer over that amount on my solicitors advice) here is my plan, am I wrong?

Debts come to £8,000 (PAID OFF) hers and mine, all agreed,

£500 baby’s trust fund,

£500 for (planned) baby no 2`s trust fund

£2500 (each) to spend as we please..

Me:

Due to my injury I cant do my old job and need to train in a new career (as advised by the surgeon and solicitor) I have a strong back ground in computers (design & repair)..an investment for a better future in my eyes! (I have a games console, its not about boys toys)..

£1500 for myself for a computers system I desperately need for my media course in Media design which requires a high end PC.

£1000 fees & material costs for my media course.

Wife: (I agreed she can do what she likes with `her share`, which I feel she is not INTITALED to as a RIGHT, but am more than happy to give) her view is “ I will spend a couple of hundred on myself, cloths or what ever) then I will put the rest back in to `the house` to buy a new sofa or what ever else! I said it is for HER personally but she’s having none of it and insists the money goes in to a child’s trust fund and a new sofa..

..Getting the point that she wants a new sofa I try to comprise and say OK, how about we both have (e.g.) £100 each less and buy a sofa. NO, that’s not good enough, NOW she thinks of something else we suddenly need (for the house, not herself) that we have done fine with out up until now! I cant win! I feel I have done more than my best to make us debt free and be fair buy `offering` her half of MY pay out! (which I do see as our money before any talks about marriage sharing stuff!) I wont deny that there is a small part of me that feels that just because we are married, why should she have total control over my personal finances and why am I NOT aloud any `savings` of my own! BUT, would happily give it all (as I already feel I have) to make us debt free. How the heck is this done fairly so that she gets what she needs/wants but I am also `aloud` the right to have x amount in my bank with out having to justify myself (as long as all the bills & debts are paid) ??? She is clearly NOT being greedy BUT controlling! ANY advice that helps both sides of this `team` so that she gets what she needs and I get `some` control over MY finances a