Help Debts

Posts Tagged ‘payment arrangement’

I had surgery about a two months ago on my arm. My husband’s health insurance has high deductibles and left us with a bill of over 00. The surgery was an outpatient procedure which was very expensive for a minor one. However, the follow-up care cost the most.

My husband and I are currently in an open chapter 13 bankruptcy. So our available cash is limited for bills. We are almost out of bankruptcy within the next year. Living on almost a third of your available net income has been a challenge but we tightened our belts after the first year by getting a less expensive rental, cutting out unnecessary items. Our car that we had when we filed went bad and we had to purchase a newer vehicle. So any extra money is now tied up in a monthly car payment.

The billing office of the hospital where I had the surgery has been hounding me for a payment or payment arrangement. I tried to explain that we are in a bankruptcy at the moment and would try at least something every month to pay the bill. We had registration renewal and a driver license renewal this month at the cost of almost 0. It’s not much but is hurts when money is tight anyhow.

I’m willing to pay the bill, but medical care costs are ridiculous in this country. My sister had major surgery over 20 years ago and it only cost 00. She had to have rods put into her foot after shattering her ankle. My mom didn’t have to pay hardly any deductibles. My husband just had
a heart monitor done and it cost 00! I did manage to get his hospital to make payment arrangements to pay a month until after we are discharged from the bankruptcy then pay for the co-pay in full afterwards. Our credit score is getting in the good range and we want to be able to rent a nice apartment within a year. Getting a collection on my part might hurt our chances of getting a new place. Why are medical collectors so greedy? They made over 10K from my husband’s insurance. I am not working at the moment. Let them try to sue me. You can’t get blood from a turnip. Just frustrated. Thanks.

I have been dealing with a company called Creditors Interchange about a past credit card debt that I have accumulated. They have contacted my father at his unlisted home phone number when I failed to call them back right away after our first conversation. To my knowledge it is illegal for them to contact anyone else if they have already established contact with me and know how to get in touch with me. Also, after setting up a payment arrangement with them, they would send me a letter prior to the withdrawal from my checking account every month stating "If we do not hear from you before the above mentioned date your check will be processed as agreed. Please call us at the toll free number listed below if any change is necessary regarding the above arrangement." Well this last month, after recieving this letter I realized that I did not have the funds in my bank to allow this transaction to go through, so I contacted CI 3-4 times before the agreed date, but never recieved a return phone call until the day the payment already went through. Later that day I recieved a call back saying that it was too late to stop the payment and I was out of luck. Since the funds were not in my bank, the check bounced. Even worse, after this check bounced, they tried withdrawaling this amount twice more. Is this legal? Does anyone have experience in this matter that can give me some sort of advice? Thanks in advance!

Hey, I need some help.

I have bad credit – it’s not horrible, but it’s really not the best. I was talking to one of the guys who I am paying money to right now. I have a payment arrangement with him, and he is offering me a settlement. I do not have the money to pay it, but he suggested that I go to a place like wells fargo and get a debt consolidation loan. If i have poor credit will I still be able to get this??
I live in Canada – Does anybody know what canadian companies I could use?

I have a debt that is just under 4 years (just under the SOL in Calif), and I was served papers for court. I have called a lawyer for free advice and they told me to try to settle out of court & set up a payment arrangement. Well, I call the collection company that served me & offered them 0 a month which in turn would pay them off in under a year….NOT GOOD ENOUGH!! They want a "good faith payment" of like 0 to start, then make arrangements for the rest. I don’t have that kind of money. I have two kids and live paycheck to paycheck. 0 is really pushing it for me but they wont accept it. What do I do next? My "30 days to respond" is almost up. HELP!!

I owe on 3 credit cards. One is starting to fall behind on the payments as its too much to pay. Which route is the way to go? Debt consolidation or contacting creditors & explaining that I was living beyond my means & now I am having trouble paying.

On the one card I’m having trouble with (Chase), my monthly balance is 9 but I can afford to pay 0 a month to them. I’ve heard horror stories where people get the WORST treatment when they try to set up payment plans with credit card companies. Do most companies decline an offer of a payment arrangement? I can get back to more payments in January or February but now is hard.