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Illegal to ask about it and shouldn't even be brought up unless he knows it will interfere with his work. Plenty of people are type I (and type II insulin dependent) diabetics.
They ask him about his diabetes before they hire him?
In certain jobs where having diabetes is high risk, they can ask on the application. He is not obligated to check yes but during a pre-employ physical, they are going to find out. If you are going to be driving, running or operating heavy equipment or working with machinery, it is a huge risk if blood sugars aren't under control.
The collections companies talk tough "or else" but frankly there isn't a whole lot they can do to him.
Very true. A wage garnishment can't happen without a court judgement. So if he truly can't afford to pay, he needs to ingore the collections agencies as best he can unless it is a summons to court. If that happens (pretty unlikely) he must show up (with an attorney if at all possible), otherwise its just best to have some thick skin. If and when he gains the financial capacity to repay, he shouldn't immediate agree to a repayment plan. He should sock some money away in savings until he has a fairly substantial amount (say at least 1/3 of the debt). At that point he should seek to make a one-time payment as a settlement-in-compromise.
Very interesting-if my son had the extra $1000 to pay for the food and supplements lol-I do believe that what you put into the body can reverse/slow certain diseases. My son is a firm believer in cinnamon. Uses it on everything and has noticed more stable blood sugars. Thanks for the link.
I also have more concerns about his medical condition. If he can get that under control, his future financial condition and general quality of life will be a lot better. And it doesn't take an extra $1000 for supplements.
The cure for most (not all, but probably 90%) diabetes is to eat truly healthy foods and to eat foods low on the glycemic index.
Just take a look at the reviews on Amazon....Just about anyone who actually followed this guy's (reasonable) program was able to reduce or eliminate their diabetes meds.
And yes, you are right...cinnamon has been shown to stabilize blood sugar. There are many other foods that can also help.
It's so unfortuate that so much of the food we eat in America has no nutritional value. We're going to go bankrupt paying for our health care costs because of it.
I agree with some here that recommend that he file for BK. He's still young and has many years to rebuild credit. If his income is low enough he could qualify for Chapter 7 and get most of that debt discharged/written off.
Yeah.. I don't understand the people who are suggesting to ignore it until he's taken to court. Its well and easy to say "just have thick skin" - but it doesn't sound like he's that type, or his mom wouldn't be here looking for help. I know when my husband had credit issues early in our marriage - the calls/letters are extremely stress-inducing -- and my husband didn't even have that many bills or that much outstanding debt.
If your son were in his 40's (or even 30's) and a bankruptcy would stain his career or prevent him from getting a house for his family or any number of other things -- I would say do whatever you can to prevent that.
But he's 20. He'll be out of bankruptcy before most people are even starting their adult lives. And - again - if he has no other way to make more money and he has no way to reduce his current expenses, he doesn't really have many other options.
Except of course to put his head in the sand and wait for them to take him to court and garnish his wages.
Good luck to him - I hope he's able to stay healthy (the stress of this can't be helping) and that he's eventually able to get out from under this debt.
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