Creditors piss me off

[phreakwars]

I had surgery on my shoulder, back in Oct of 04, the resulting hospital stay, of course was an astounding large bill, I, like everyone else in this fucking world who uses insurance, had 80% paid by my insurance company and of course got the remaining balance to pay off... Unfortunately for me, the surgery I had, plus the injury before that, had kept me from working for well over a year, my wife had taken most of the burden and my only source of income was my home based business which I mainly do for the fun of it. Well anyway, my account with the hospital of course ran delinquent and part of the charges were taken to creditors for collection. 4 bills, each from the hospital, totaling about $700, plus the $2,000 I was paying to the hospitals orthopedic surgeon (still am btw) and of course the physical therapy and all that shit. After I felt comfortable enough with how far my recovery had progressed, I got a job doing what I could to my best physical ability and began paying off my debts to both the hospital and creditors.. I had paid them almost 600 dollars, when they had gotten ANOTHER bill (hospital of course) for $365... So what I owed the creditors was a remaining balance of $294+the new $365 bill.

 

I had mailed them a check in August of this year to cover the $294 bill, but they refused to cash it, they said they were taking me to court to collect the entire balance from me. $659... So anyway, a couple days later I get court papers from these assholes trying to get $659 lousy fucking dollars from me, plus lawyer fees, court fees, interest fees, and all this other shit.

 

WTF ?? I gave these people over $600 in 3 months, plus paid an outstanding medical bill at the hospital and still these fuckers aren't happy with that ??

 

I mean, wtf, am I supposed to NOT pay my other bills just for these assholes, or perhaps not feed and clothe my children ?? Do the fucking Dr's really need ALL the money at once ?? Are they not happy with the $4,000 I had already paid that year in medical bills EVEN AFTER my insurance payed 80%..

 

Not to mention, my recovery time had to be shortened to work to pay off them ??

 

I still need more therapy in my arm, and need to have surgery on my neck, the only fucking reason I don't do it, is because I know of the long recoup time, and loss of income it will cause and then of course ANOTHER fucking outstanding bill to pay on.

 

But of course, this bitch isn't about the cost of health, it's about the assholes who want to squeeze every last fucking dime out of you... the ones who call your job, garnish your wages and leave you fucking poor.

 

Well anyway, in my case, I was most fortunate, the remaining balance to the creditors was very small and will be paid off in 2 weeks, but some people do not fall into the income level that I do and run an even higher bill with just the basics "shit happens" in life... Like childbirth for instance, even people who CAN afford them, can get back lagged from the cost of having the little bastard initially and it impacts them for many years.

 

I think the way creditors handle clients is bullshit, they are snotty fucking people who treat people like shit, or like they are the lowest form of human because the owe a god damn medical bill or some other stupid shit... The only thing I REALLY have to say to a creditor is:

 

FUCKING EXCUSE ME FOR BEING HUMAN AND SUSTAINING AN INJURY BITCHES !!

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[TheJenn88]

hugs I wish I had spare monies to give you.

Creditors are a bitch. I'm glad I don't have to deal with them yet.

[phreakwars]

Did you not read what I said, the outstanding bill will be paid off in 2 more weeks, it's not a BIG bill, but I personally know of MANY people who are in far worse shape then me when it comes to creditors. After this medical bill is payed off in 2 weeks, all that remains is the payments I'm a making to the hospital too, which will be finished in Feb of 06, then I can officially call myself debt free..

 

House is paid for, cars are paid for, and I owe nothing else to anybody. I refuse to use credit cards, I believe they create more misery then use. But I do have a couple which are locked away in a safe with 2 masterlocks, I have the only keys to one lock, my wife has the only keys to the other. We make credit purchase decisions together, and only 1 purchase at a time.

 

Call me a conservative for doing that, but spending money you don't have seems to be what REPUBLICANS like to do anyway, so I don't consider it being conservative, I consider it not being a dumbass.

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[Lethalfind]

Thats just fuckin wrong Phreak...

To harass a person when they are trying to recooperate, the pain and anxiety of surgery and recovery alone is bad enough but they have to make things about 10 times worse. Fuckin bastards !!

[phreakwars]

On the plus side, my wife and I have still managed to save and invest a considerable amount of money. I will actually be buying into the pizza franchise business I now work at and partnering with my current "bosses" when they expand to a bigger location. It's a very size able substantial investment taken from only savings and cd's and such. None of the funds will be borrowed from a bank that I contribute, which really helps a lot when it comes to paying the banks back for the cost of development and such of the new building. The kids who own the franchise now kinda feel the same way about it that I do, they still have fun just getting out there and delivering for the hell of it. Even though they own the place and could just kick back and let the employees do it all, they would both rather participate in the fun of pizza making. I actually put in a 2 weeks notice at the club I work at because I no longer have time for it with the duties of the franchise (I'm a manager). I mean, mine and my wife's income is pretty decent, we stay out of debt, keep savings accounts and Christmas club accounts and vacation accounts (Disney World in 2 years when the kids are older), but I think we are like everyone else, still susceptible to things like high medical bills. But we have never been unable or UNWILLING to pay any of them. I mean shit, if we can come up with over $4,000 in a year to pay medical bills with, in addition to 2 car payments, and of course the usual expenses, then I think creditors should take this into consideration.

 

 

These assholes even wanted me to take out a loan to pay off this tiny ass bill... I mean fuck it's just over $500, if I showed that I can give them a substantial amount within 3 months, WTF makes them think I would NOT pay the rest of it... I mean Jesus Christ, I gave them a fucking check paid in full and they refuse it ??? Christ, I would have given them the OTHER 365 I owed in 2 weeks, but these fuckers had to take me to court and drag it on and on and on , charge me MORE fucking money, then threaten to garnish our wages ??

 

Are they fucking retarded or what ?? It will take them longer to receive the full amount by garnishing me then it would for me to write the fuckin morons a check 3 weeks ago.

 

You can't fucking win with these assholes !!

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[Mohammed_Rots_In_Hell]

The US governement, Lawyers and insurance companies have completely RUINED health care in the US. In 1994, Bill Clinton almost killed it permanantly.

[builder]

We have a free hospital system in Australia, but our population is growing faster than our hospitals are, so the waiting list, for even urgent surgery, is getting so long it's now an election issue.

 

We are taxed a small percentage of our income to pay for it, and private health insurance is available to those who think they are going to need it.

 

However, having private insurance does not guarantee you won't end up in a public hospital in a bed next to a non-insured patient.

[Lethalfind]

What pisses me off about this is you go into the hospital, their all smiles. Then they turn you over to the collectors who don't care if you live or die just as long as they get a chunk of your ass to pay them back. How can a hospital who likes you to think their there trying to help sanction this?? Because they don't give a shit.

 

On the upside you have one hell of a tax deduction going for you, if you have medical bills that equal a certain amount of your income then you get a dollar for dollar deduction. I can't remember the percentage but considering how much you have put out, you might have made it. This amount includes the money you have paid out on hospital bills but can also include any copays or co-insurance you have had to pay as well. Not many things these days get you a dollar for dollar deduction but medical expenses are one of them.

 

"Disney World in 2 years when the kids are older" I'll be waiting for you at the gate...lolol, just kidding. I'm there alot but not all the time.

I should get paid for the amount of tourist info I give out too people.

[Feckless Wench]

Sue the bastards for causing you undue stress and no doubt slowing your recovery.

[phreakwars]

Don't tempt me.....course then I'd have to go see my shrink (again).... and prove that her charging rate, as well as her partners in medicine, is driving me crazy, to file my claim statement... ....then I'd have YET ANOTHER BILL !!

 

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[ToriAllen]

Well...Hubby and I only get paid once a month from the VA and that check is minimal. We also get a refund check at the beginning of each semester (grants, loans, scholarships) that we try to stretch out to the end of the semester. Spring is always the worst because it is the longest semester and they give us the month of May off between Spring and Summer semesters, which means no VA check for May. Anyway, last Spring we got behind on one of our credit cards, which we have paid off at the beginning of each semester, and we had a creditor call us. I explained what was going on and then he asked me the most humorous question. It completely through me off. He ask if I wanted to pay right then with a check-by-phone. WTF? How asinine can a question be? All I could manage was,

[Jhony5]

Ya thats all good but did you make sure to check your dickfer?

[ToriAllen]

Ya thats all good but did you make sure to check your dickfer?

Alright. And a dickfer is...

[phreakwars]

Alright. And a dickfer is...

Tori, if after 3 children you don't know what a dickfer, then you have serious problems.

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[Jhony5]

Alright. And a dickfer is...

 

 

You see phreak, thats all I wanted. And I bet you thought no one would ask. HA

[phreakwars]

You see phreak, thats all I wanted. And I bet you thought no one would ask. HA

LOL, I didn't count on Tori being online.

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[ToriAllen]

Tori, if after 3 children you don't know what a dickfer, then you have serious problems.

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I know what a dick is. Is a dickfer a distant cousin of dick?

 

LOL, I didn't count on Tori being online.

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What exactly is that supposed to mean?

[phreakwars]

I'm going.... to type... this slow...

 

read carefully....

 

dickfer translates to "DICK FOR"....

 

He wanted someone to ask him "WHAT'S A DICK FOR"...

 

DO YOU ... GET IT ????

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[ToriAllen]

I'm going.... to type... this slow...

 

read carefully....

 

dickfer translates to "DICK FOR"....

 

He wanted someone to ask him "WHAT'S A DICK FOR"...

 

DO YOU ... GET IT ????

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Oh, how cheesy. I didn't ask it like that anyway...

[TheJenn88]

Did you not read what I said, the outstanding bill will be paid off in 2 more weeks, it's not a BIG bill, but I personally know of MANY people who are in far worse shape then me when it comes to creditors. After this medical bill is payed off in 2 weeks, all that remains is the payments I'm a making to the hospital too, which will be finished in Feb of 06, then I can officially call myself debt free..

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"I still need more therapy in my arm, and need to have surgery on my neck, the only fucking reason I don't do it, is because I know of the long recoup time, and loss of income it will cause and then of course ANOTHER fucking outstanding bill to pay on."

 

Yes, I read what you said. But my reply was in regards to that.

 

I wish I had spare monies to give to everyone..

[eisanbt]

"I still need more therapy in my arm, and need to have surgery on my neck, the only fucking reason I don't do it, is because I know of the long recoup time, and loss of income it will cause and then of course ANOTHER fucking outstanding bill to pay on."

 

Yes, I read what you said. But my reply was in regards to that.

 

I wish I had spare monies to give to everyone..

 

Just marry him so he can get a quick Canadian citizenship and the free healthcare along with it

[Lethalfind]

It is my understanding (however this might not be correct since this was from word of mouth) that a hospital or credit card company places an account with a collection agency, the collection agency gets a percentage of what THEY recover. If you skip the collection agency and pay the original debtor, the agency gets nothing. I have had an occasion over medical bills to get a call and I told them I plan on paying it directly to the hospital, and that I would never pay them a fuckin dime...

I had mentioned a tax break before, I finally remembered the whole thing. If your medical bills total more then 7% of your income, then you can deduct dollar for dollar anything over that 7%. If a man like phreak has bills and files with his wife then he could take his bills, those of their children and anything his wife has incurred as well. As I understand it, this would include even copays for medication and dr's visits, not just something like surgery at the hospital. Its a way to get some of your money back. I also found out that if you think you didn't file to get enough money back you can refile a past year. No sense in letting Uncle Sam get more then he deserves...

[phreakwars]

Just marry him so he can get a quick Canadian citizenship and the free healthcare along with it

Hmm... is bigamy legal in Canada ??

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[LydiaJames66]

I'm glad you are doing ok now. But you should be happy that you even have insurance! Here in the US, most everyone I know have none.

A serious illness like cancer can wipe people out of everything they own.

 

Nonethless, we just don't go to the doctor and hope for the best. Older people who need meds either go without or buy it in Canada where it's about 1/3 the price. Luckily I live in Maine which borders Canada so IF I need meds, it won't be very hard to get them.

 

Of course the idiot boy king in the White House may ruin that too. Who knows? Nothing shocks me anymore.

 

-LJ