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Old 07-04-2012, 05:05 PM
 
16,956 posts, read 16,713,784 times
Reputation: 10408

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Few things going on here:

1. Sell one of your cars.

2. Cut your grocery bill (how many are you feeding?)

3. Sell your house and get a smaller one.

4. Downsize your spending all the way around.

Or: File Bankruptcy and wipe your debt clean. Your medical bills are 100% Dischargeable.

(Note: I am not advocating Bankruptcy but for some buried so deep in debt, it can be a solution).

Medical bills prompt more than 60 percent of U.S. bankruptcies - CNN

Can I Discharge Medical Bills in Bankruptcy?

Yes, you can. In almost every scenario, medical bills are considered unsecured debt that can be discharged in Chapter 7 or in Chapter 13 bankruptcy.
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Old 07-04-2012, 05:11 PM
 
8,560 posts, read 6,396,786 times
Reputation: 1173
Quote:
Originally Posted by Supachai View Post
It's unfortunate that you had a heart attack, but feel lucky that you were at least able to have access to medical care and are now alive to tell others about your experience. For most people in the world, that event would have ended their lives.

Life is unpredictable. If lightning struck your home and burnt it to the ground, whose responsibility would it be to repair your home or buy you a new one? Yours. You have to prepare for these types of things and yes, sometimes things are out of your hands. Life does not always go swimmingly. Sometimes there is tragedy and hardship. Learn from your experience, but don't point the finger at others because things didn't go the way that you hoped. It's easy to say, "If only I was as lucky or as rich as that other person, things would be better for me." Just remember that for all the burdens that you have to endure, there's millions of others that have it far worse and they would point to you and think you have it so much easier than them.
OMG! Lecture a man who survived a heart attack. The OP is obviously a grown man and does not need to have someone speaking to him as if he were a ten-year old.
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Old 07-04-2012, 05:18 PM
 
8,560 posts, read 6,396,786 times
Reputation: 1173
Quote:
Originally Posted by sol11 View Post
A little devil's advocacy, and not to be taken as a personal observation........

A person who is 38, has two car loans, a mortgage payment, and $200-$300 per WEEK food bill either has an extremely large family with a large house, or champagne taste on a beer budget. Is it possible that a healthy 38 year old had misplaced priorities, thinking himself bullet-proof, and not needing health insurance?

Secondly, you rant against CEOs, and the lack of universal healthcare makes me somewhat skeptical.
How else would a normal person take it other than an attack? It is lecturing someone and telling him basically he "deserves" what he got! He explained that he was starting his own business and not employed at the time of the heart attack. Isn't that the Holy Grail for conservatives, "own your own business"? Certainly CEOs of insurance companies are paid excessively. Universal health care is far overdue in this country.
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Old 07-04-2012, 05:23 PM
 
Location: Boston, MA
14,466 posts, read 11,245,012 times
Reputation: 8982
Wow! You even figured a way to slip in a Halliburton reference.

If there is such a thing as liberal porn, the op just caused a few orgasms.

Btw in some corners you would be considered an irresponsible person. Those corners being just about 90% of the general population.
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Old 07-04-2012, 05:27 PM
 
1,575 posts, read 1,731,463 times
Reputation: 751
Quote:
Originally Posted by Blind Sniper View Post
I recently had a heart attack at the ripe old age of 38 while I was unemployed / trying to start my own business. We now have a bill close to $50k hanging over us along with the mortgage, two car loans and all the other life expenses such as our $200.00 to $300.00 per week grocery bill... The $800.00 per month payment plan the hospital offered is not in the budget, if we had that much disposable income we probably would have had health insurance...

Along with this the doctor said I can no longer do the work required for the business we were starting because it involves manual labor out in the Texas heat.
The silver lining here is that I now have a good (office) job again and will soon have health insurance through my employer but that won't help paying off any existing bills.

I have nothing but good to say about the doctors and hospital where I stayed and I wish I could afford to pay off this debt. But at the same time I have to wonder, does it really cost that much for a stint and a few days in the hospital? And why is it that we are the only industrialized nation that does not have a universal health care program yet we can spend untold billions to send our sons and daughters off to die in illegal wars for sake of Halliburton's profit margin? We are also the only nation that allows people to file bankruptcy for medical bills and it looks like that will have to be our solution..

While the politicians continue to play political football with this issue, working class families like mine still cannot afford health care and health insurance CEO's continue to rake in $23mil per year.
I recently had routine blood work done and the tab was more than $700.00. My insurance paid $400 and I was stuck holding the bag for the remaining $300.

Too bad we aren't illegal aliens, if we were, the US government would make sure that the taxpayers picked up the tab.

Praying for a speedy recovery. God bless you and your family.
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Old 07-04-2012, 05:29 PM
 
29,939 posts, read 39,401,256 times
Reputation: 4798
Quote:
Originally Posted by PurpleRain_1 View Post
I recently had routine blood work done and the tab was more than $700.00. My insurance paid $400 and I was stuck holding the bag for the remaining $300.

Too bad we aren't illegal aliens, if we were, the US government would make sure that the taxpayers picked up the tab.

Praying for a speedy recovery. God bless you and your family.
Was it an emergency because unless it was the US government wouldn't pay for it and even then they'd only stabilize you.
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Old 07-04-2012, 05:32 PM
 
1,575 posts, read 1,731,463 times
Reputation: 751
Quote:
Originally Posted by BigJon3475 View Post
Was it an emergency because unless it was the US government wouldn't pay for it and even then they'd only stabilize you.
Actually, illegal aliens use Emergency rooms all over America as if they are their personal physicians. Unlike Americans, not only do they not have to present legal or proper documentation, whether they are welfare or not, they are NEVER turned away. This travesty has resulted in hospitals all over the country closing their doors. Guess whose stuck picking up the tab?
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Old 07-04-2012, 05:44 PM
 
Location: Boston, MA
14,466 posts, read 11,245,012 times
Reputation: 8982
Quote:
Originally Posted by Jaggy001 View Post
And that is the alternative.

The OP will probably declare bankruptcy which means that you and I will pay for his treatment through taxes/insurance premiums.

Now, I do not think that people should be left to die because they cannot afford treatment. But I do think that we need to figure out a better way of paying for those who either cannot afford insurance or choose not to.

I am not a big fan of Obamacare for a number of reasons. But I think that one of the ideas behind forcing everyone to carry some kind of insurance was to ensure that everyone is paying something into the system. Otherwise, it will continue to be the same people - those who pay taxes and those who pay insurance - paying for everyone else.
It sounds great on paper Jaggy, but I can tell you that, here in Massachusetts, there is a sizable chunk of the population that is exempt from the mandate. in other words nothing is going to change, the same people pulling the cart now will continue to do so.
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Old 07-04-2012, 05:45 PM
 
Location: Eugenius
593 posts, read 1,409,569 times
Reputation: 580
Quote:
Originally Posted by PurpleRain_1 View Post
Actually, illegal aliens use Emergency rooms all over America as if they are their personal physicians. Unlike Americans, not only do they not have to present legal or proper documentation, whether they are welfare or not, they are NEVER turned away. Guess whose stuck picking up the tab?
This reminds me, I went to an emergency room in 2005 for a really REALLY bad headache with nausea and vomiting and vertigo. The ER wait was 8+ hours to be seen and it was packed with people. I lasted 2 hours, but I couldn't handle being there any more, so I went home. If the wait had been shorter, if people didn't use the ER as their primary doctor for every sniffle or booboo, if we had universal health care with preventative care, and the hospital was able to see me in a timely manner, they would have caught a VERY serious brain problem I had that was a ticking time bomb in my head. And I wouldn't be in the mess I'm in today. Asi es la vida.
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Old 07-04-2012, 05:51 PM
 
Location: Boston, MA
14,466 posts, read 11,245,012 times
Reputation: 8982
Quote:
Originally Posted by whogo View Post
It's a fake post.
What's funny to me is that all the libs here are buying it hook, line and sinker. The op should be ashamed of himself.
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