I аm confused аbουt debt consolidation аnd banruptcy аnd аm getting conflicting info..Hаd very unfortunate things happen іn 2006..First I gοt lеt gο frοm a job..I hаd a hard time finding another job..didn’t hаνе medical insurance..hаd tο quit thе nеw job I wаѕ working аt cause thеу wеrе nοt legit..In August I needed emergency medical care аnd hаd nο insurance.thе medical bills wеrе outrageous..I received a bill frοm thе hospital..thеn thе room I wаѕ іn. two separate bills fοr blood tests..аn anesthesia bill..bill fοr thе dr thаt dіd thе surgery,,bill fοr being іn thе waiting room..bill frοm thе dr thаt interviewed mе іn thе waiting frοm.another bill frοm a mean dr whο tοld mе I weighed tοο much аnd wаѕ very rude..a bill fοr ultrasounds аnd xrays..a bill fοr being іn thе emergency room before going tο mу room….I hаνе bееn working wіth two debt consolidators over thе last year аnd аll thеу dο іѕ keep askig mе fοr.
more money..hаνе appointment wіth bankruptcy attorney now!
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Tags: Bankruptcy, Proper
When you have no other options. file and get your finances back in order. I filed over 15 years ago when I lost my job and could not find one for year and I felt bad about not paying my creditors, but I had to.
Now I have a great credit and have not missed a bill since
You may want to refinance your home to consolidate your debt and inevitably save you money that way, refinancing saves alot of people from bankruptcy but ofcourse everyones situation is different. If youd be interested in speaking with me id be more then happy to take out some time to talk to you. Drop me an email, my email is my yahoo name at yahoo dot com
I am a licensed mortgage consultant, rates are excellent right now, feel free to drop me an email. Id be more then happy to help you. I also have great news for you regarding medical bills so send me an email whenever you get a chance.
Look forward to hearing from you
Thanks,
Robert
When you are in a hole you can’t get out of in 5 years. Also don’t bother if you haven’t learned a lesson. Losing a job isn’t a huge surprise most of us lose jobs every few years to down sizing or the company going away. Quiting a job before lining up another may have been a mistake and not taking COBRA is a standard mistake most of us make.
What would you do different so this doesn’t happen again?
First of all, I would take those medical bills and approach the local Health and Human Services department and see if they can help you. This won’t be easy, but if they can do something for you, it might be worth it.
Debt consolidation can be seedy. You want to make sure and find one that is in good standing with the BBB.
As far as filing for BKY, be aware that it will be on your credit for 10 years. If most of your bills are medical, I think you should contact the creditors yourself and tell them that you will make arrangements. After all, they can’t repossess body parts, can they?
I also agree with the previous poster who said that you should do what you can to ensure this NEVER HAPPENS AGAIN. Get your high interest debt paid off, learn to live simply and within your means, blah blah blah blah.
Have no idea why the panic — you haven’t paid any one in two years so why worry now. I would speculate that you do not own any thing of value. Now your gona hire an attorney — how much does he want up front. . ??? This would not of happened if you would have gotten a job — instead of holding out for a position. Or med benefits which few employers offer — because it is too expensive. Made a deal to pay monthly on the medical bills. . . Whats the hurry??? Your credit is over — you borrowed your last quarter. . . Good Luck
Hi,
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. Check it out here:
http://elfurl. com/96oit