advise please

[bkfiler]

can you ask the question again.

[jragan]

sorry for the ramble

Do you know if one is better off to go to court over a debt than to be swindled or at least porrly treated by a creditor?

[StaciMM]

A creditor can demand payment in full. That doesn't mean that they are going to refuse a payment that you send-they have to apply it to your balance. If someone stops paying because the creditor wasn't happy w/ the proposed arrangement, and it does go to court, most likely the creditor will be able to get a judgement.

[jragan]

is it right?

Do you think it is right in the instance of medical bills? One of the hospitals in our area will discuss with you what you think you can afford. I have found them to be very kind and understanding. The other hospital is the one that demands payment in certain amounts. They even offer their own credit card. Running up debt is one thing, medical bills another.
What do ya think?

[StaciMM]

I think its one of those areas we don't have control over. It is difficult-because medical is one of those areas where you can do your best to plan/prepare, but can't always... On the bright side, since you know the 2 hospitals have different philosophies, you can choose to go to the more reasonable one. (Assuming it is a situation where you have time, convenience, etc. to choose...)

[JimH]

I would recommend you call next time to make payment arrangements if you can't pay a bill in full. That's typically what people do. If you can't work something out that you can agree to, then pay what you can and hope for the best.

[Genenco]

I would recommend you call next time to make payment arrangements if you can't pay a bill in full. That's typically what people do. If you can't work something out that you can agree to, then pay what you can and hope for the best.

I thought what was funny, had a friend go into the ER with Apendix pain. Before they wheeled him in, he signed a 4 page contract for repayment.

2 weeks later, the bills start coming..about $3,000 per bill, whole bill is $45,000...He sent it to a lawyer and $200 bucks.

2 weeks go by, a letter comes from hospital apologizing for their actions (Lawyer made case of Duress) and forgiving the entire debt!

Now the hospital pushes a "Let's talk NOW and not later payment plan" They report having some good response....

[jragan]

how long

BKFILER
How long did this process take for you?
My daughter was advised thatshe can keep or not keep her car.
Is their and advantage one way or the other?

[bkfiler]

hi jragan,

mine took the standard time once i filed. 40+ days for 341. 60 days for discharge. it tool me awhile before i got filed though. fired the first attorney for lying to me off the bat about when he would start the case. he called me and told me later that he couldnt get started right away. then changed his mind again. i call the bank, stoped the check and then called him and told him "you're fired!".

then teh new attorney took 6 weeks at least to get my case filed. lots of back and fourth, etc plus they were very busy as well as i wanted to inteview the actual attorney that was responsible for my case.

she had hot legs so i went with her (*love*heart beating*google eyes*)

oh well, so much for searching with logic lol

as for the question, sorry but you need to brief the contect again to get answers. im not clear on what you mean.

also, seek multiple attorney appts. you will learn a great deal and they are free.

[FilingOnMyOwn]

I despartely need some advice. My 22 year old daughter is ina pickle. She has about $15000 in credit card debt. Most of this is one one card and was used for school books and living expenses while she was in school. She had a good job (bartending) and had it all under control for a while. She lost the job and tried to continue living on her own and getting that degree by using credit cards. She finally gave up and moved home about a year ago. She is out of school (without the degree lacks about 18 months) and works as a teller at a bank. We advised her to take this job because it is more respectable and will look good on resumes since she is trying to work her way up the ladder now and hopefully return to school later.
The problem is she missed ONE payment on a $6000 credit card and it was all over. The interest went to 30% and the payment wasn't as much as the interest. After calling them they told her they would lower the interest if she were current for 6 months. We tried that and after 4 months they doubled the payment. Couldn't do it. Now several months after all this started the balance is over $10000. It is unbelieveable to us. Such a shock. She let her other cards go trying to pay this one and now is current on nothing but her car.
Sadly to say, she is also under a doctors care and on antidepressants. We are so worried about her. She may have been young and foolish on part of this but, there really has been no help. One mistake and it is over. Credit car companies are liars when they say they will help. We have been offered nothing. Debt management plans have a $185 a month high payment than she makes. She makes about $1000 a month (clear) has a $330 car payment a $50 student loan payment and has a large gas bill because her job is in another city. With food and cell phone she is broke. She does nothing extra.
Any advice? Will chapter 7 work?
Thank you for being patient with my ramble
A worried mom

Ok, back to the original post and subject matter. How much was your daughter making bartending? Most bartenders I know make ridiculous money. $1 or more tip every time you hand someone a drink is about as easy as money comes. If your daugher could pay off the 15,000 in 6 months or so, I recommend she go back to bartending and pay it all off. It sounds like she is not very good with money, so even if she graduates in 18 months after filing bankruptcy, she could end up in a job making less money than bartending, not being able to make it on her own, and with no recourse to ruthless creditors and high interest rates and be even worse off at that point than she is now.