Help Debts

Posts Tagged ‘insurance’

I work for an all around financial services company. I offer life, car, & home insurance. I also refinance mortgages without starting people back over at 30 years, get people approved for a purchase of a home loan, debt consolidations, planning for retirement & college savings, as well as offer an oppurtunity for a career with my company. I want to sum all of that up on a car door magnet. Help Please!!!

My mother has terminal throat cancer. She wants me to pay off all her credit card bills with the life insurance, but it’s a very small policy. I want to know if the credit card companies can go after her husband for payment even though none of them are joint accounts. He is not even a signer on any of the accounts.

What do you do? No insurance, and not a lot of income?
Number two makes sense. I would love a job with that kind of benifits. Many jobs do not want to hire full time, and many jobs won’t touch me because of a record.
I never have had credit card debt. I have student loans I will always be paying on, but I’m still in college, and I’ve chosen to go to college. And I will always pay on it a little.

I have a father who is financially irresponsible. The guy has scammed his way through life and left hundreds of unpaid bills, loans, etc. He has no health or life insurance and I assume I’ll be stuck with his funeral expenses as his only child. I’ve spoken with him about it and he doesn’t seem willing to do anything to solve the problem. When he dies, I’ll pay for the funeral, but how can I protect myself from being stuck with all of his debts?

So here is my situation. I am 19 years old and my boyfriend is 20. We’ve been dating for about a year now and he’s always expressed interest in the military. Just recently he has decided to go active duty in the Army. I’m not worried about his safety as he is smart enough not to pick infantry or other dangerous MOS’s, but he will be gone for four years.

Right now I am in a lot of debt due to teenage irresponsibility and I work 40 hours a week making pretty pitiful wages. I’m enrolled in school part time but I’m really feeling the crunch because I don’t make enough money to take very many credits and it will take me years to earn even my associates.

His idea is for us to marry and for me to travel with him wherever he is based. The pros are that I will be close to him, I will have free housing, insurance, etc. AND I’ll be able to go to school for free/cheap. He tells me that he loves me and he doesn’t want to leave without me and that he’s happy that he can finally be able to take care of me like he should. (He’s recently unemployed and on a suspended license so I’m pretty much his sugar mama.)

However, I feel as if he is planning this without me. He already has our whole lives planned out: that we’re going to see the world, get educated, repair our finances, gain experience and responsibility and after his time is up we’ll come back home and start a life together here.

But here’s my problem. We’ve only been dating a year. I do love him, very much, and I know that he loves me, but I really don’t think we’re ready. We used to fight all the time, and true we’ve resolved those issues, but I still don’t feel that we’re ready for that step. His mother had an idea that we can just tie the knot in court for the benefits and then have an actual wedding ceremony a year or two later when we really feel emotionally prepared for marriage but I’m unsure.

Any advice? I would actually love to go. I’ve lived in the same town my whole life and I’m ready for something new. I’m a bit of a loner so I would do just fine when he’s gone for weeks at a time and I’d love to be able to just attend school and not have to worry about the finances. And I love him so much I couldn’t stand being without him for four years, especially since I’m in this rut right now.

I guess I’m just interested in some objective opinions, as my family is biased against it and his is biased towards it. I’m leaning towards it myself but I’m worried it would be a rash decision. Thoughts?
Oh and for the record, I’m not religous at all so for me marriage is not a "holy matrimony, til death do us part", it’s a legal institution that just so happens to be practiced in our country. Strange maybe, but that’s how I feel. Thank you for your answers so far, though.

I had went to court a few months ago regarding a Dental bill that I was over charged for. My Lawyer sent an asst Lawyer w/me for that hearing. The next time he would not let the Asst come back, but he forgot and I ended up in court by myself. I got some of the charges reduced I went back to my Lawyer and he told me to appeal. The next court date, my Lawyer showed(late) didn’t bother asking any questions the Lawyer for the other side showed him a paper that everybody signs to state you will pay any remaining balance after insurance. The Lawyer pulled out the same piece of paper during the 2nd hearing and was told to put it away as it didn’t free his client from any wrong doings. Had my Lawyer been there he would have saw this, my Lawyer just put his hands up and said "OK she owes the money" now I owe the money and the other sides Lawyer fees!!

I tried pointing out what happened when he didn’t show up, if I would have known he was going to just give in, I would not have appealed what was the point of getting myself deeper in debt. Do I think I don’t owe the bill, yes I do. I do but not what they stated that’s all the fight was about. Now they have sent a judgment here and my Lawyer would not even help me fill out. I’m really angry and scared now. I did not sign the paper from court and I told the Judge I did not agree w/whatever crap my Lawyer and the dip stick from the other side had came to agreement about. Any suggestions from any good legal people out there? Remember I do owe the bill, I’m not saying I don’t. Any advice would be helpful from real people! By the way hopefully you all understand as you can only put so much here. Thanks in advance for any good advice you can give.

PS Trust me I will be looking for another Lawyer for the future.

I’m in my early twenties. I graduated with a B.A. I don’t have any money. I took out student loans to get the degree. I have a brain disorder that isn’t well controlled (no one’s fault). It’s hard for me to work 40 hours a week, and it’s nearly impossible for me to afford my medication (500 dollars a month).
Currently, I’m enrolled at community college, so that I can remain on my mother’s insurance. But that just takes out more time of my day that I could be spending working (but again, this is the cheapest way). Except, that I need to take out more loans for useless classes just so I can have a normal life.

I don’t know what to do. I don’t think I’m eligible for medicaid, because I live with my parents (I would like to move out, but I can’t afford it). I keep getting more in debt, trying to take my meds and live and work, but I just want to give up. I don’t even think I count as disabled because I can still work (as long as I have medicine).
It seems (please don’t attack me) that the best way would be for me to get pregnant so that I can get everything free (I live in NYS… and that’s apparently the way the system works).
I could get free housing, have insurance, and get free food.
I’ve done everything I was "supposed to do" in life, being careful, and trying hard, and it’s gotten me nowhere.

Please someone give me advice before I do something ridiculous.

I have been paying child support for a few years. I always meet my payments. I also pay for half of the childrens health insurance. In my divorce settlement I agreed to pay some of the credit card debt for the ex.
I am not on the credit cards. Due to my financial situation at the present time I can only afford to keep up with the child support and insurance payments. I know I am going to be asked to appear in court. Again due to my financial situation I cannot afford an attorney. Any ideas on what the best course of action I should pursue.

For all of you responding “get a job” …I am.
Please save your time.

When I was pursuing my undergraduate degree, I was an idiot when it came to credit cards. To make a long story short, I looked as credit cards as "free money" so needless to say, a lot of financial mistakes were made. I also have some medical bills from a few years back when I did not have health insurance. To guesstimate a grand total of all of my debt I would say, on the high side, around 15 K.
Of course, as I grew up, I realized my stupidity and how important good credit is in all aspects of life. But just because I’ve grown up, doesn’t mean my debt problems have went away. Now I am in Graduate School and dealing with the problem of finding a supplementary loan source to cover tuition.
I have heard all the advertisements for debt consolidation agencies, and things of that nature, but when i have looked into some of them, it seemed more like a scam than anything else. I have also thought about declaring bankruptcy, but from what I have learned about that, it will effect your credit negatively for at least five years. I would not be able to lease/buy a car lease a house or rent an apartment, as well as other necessary things.
So I am at a loss, I really do want to start working on these problems, and I think if I could consolidate it all into one monthly payment, or get some of it reduced that would help me allot.
I am looking for some advice on options I might have, organizations that might help, or any insight anyone can give me on how to tackle this problem.
Thanks

I have a grandfather passed away and my grandma does not have the money to pay back his debts (,000), can the creditors go after her eventhough she is not the one who applied for the loan?
He had life insurance (which is not a lot just enough for the funeral)…can they try and take that? Grandma and Grandpa had a joint bank account together with Wells Fargo and grandpa has a credit card with them.