Bankruptcy

[Guest guest]

Oh my gawd.................I just looked down at the time icon and I swear

to God it was 444. I looked because I need to be ready for 7 p.m. mass.

pray for some more-I am so happy he may live but scared he may

need a leg amputaed and now a hand? or both? They'll decide tomorrow.

WIna called me to tell me but I couldn't talk long I was on the phone

and she told me that much and she had to go shower to meet out of town guests.

Thank you for praying for this child.

WIna

[Guest guest]

, I am so sorry to hear that, however I can really identify with

it. In my case because of the lyme and misdiagnoses no insurance wanted

to cover me, but that didn't stop the medical bills from piling up.

You are in my prayers.

>

>

> I think that I will be declaring bankruptcy on monday, I have acrued

> 70 thousand dollars in debt, all of this debt is from lyme disease,

I

> am told if I dont do this now then I may never get a fresh start?

> eric

[Guest guest]

Hurry up! I think a bill was signed this past week (or will be signed soon)

stating that people who claim bankruptcy are now liable for a portion of the

debt. Don't delay! Speak to a lawyer soon.

Suzy

[ ] bankruptcy

I think that I will be declaring bankruptcy on monday, I have acrued

70 thousand dollars in debt, all of this debt is from lyme disease, I

am told if I dont do this now then I may never get a fresh start?

eric

[Guest guest]

_____

From: [mailto: ] On Behalf

Of eric_s11050

Sent: Monday, 25 April 2005 4:25 AM

Subject: [ ] bankruptcy

I think that I will be declaring bankruptcy on monday, I have acrued

70 thousand dollars in debt, all of this debt is from lyme disease, I

am told if I dont do this now then I may never get a fresh start?

eric

Hi ,

Sorry to hear this. I lost my career, marriage, friends, finances etc

because of 26 years of fighting Lyme. I am now on the salt & C protocol

which is turning this around. Perhaps you should check it out.

www.Lymephotos.com <http://www.lymephotos.com/> At least it is cheap &

seems to be working.

Wishing you health,

Rosemary.

[Guest guest]

The new bankruptcy laws make the situation for people with medical bills

much different than it was a year or two ago.

As I understand it, the number of people who are forced into bankruptcy by

medical emergencies is skyrocketing and the

entire bankruptcy option has changed such that most people are forced to

repay their debts completely, and in the case of medical bills, that can

mean paying almost everything you make for the rest of your life. The option

of discharging debts os only available to people with very, very low

incomes, and they don't look at your current income, they look at your

income previously, so many people who have lost jobs are still not eligible

to file.

The consensus is that they are creating what will become a permanent

underclass of people who have debts so big that they have no hope of ever

paying them off by doing that. They wouldn't even exempt soldiers who were

called to Iraq or the insured sick or any of many other groups that really

should have been exempted..

They also allowed interest rates so high that people's debts can keep

growing, never shrinkig, even if they are paying them off.

This is why they are pushing so much credit on people now. Because they know

that nomatter what, they will get that money from you, even if you have

other bills, they (the banks) come first.

On 11/18/06, bbw <barb1283@...> wrote:

>

> Regarding gettting insurance even if it is

> expensive: I fell into a gap period with no

> insurance once,and due to the fact that I had

> been on Xanax for a sleep problem I could not get

> insurance that would cover doctor's visits,

> prescriptions, testing, etc. no matter how much I

> was willing to pay. I could only get catastophy

> insurance/i.e. hospital insurance and that was

> something like $450 a month or something absurd.

> Since I had few assets at the time other than my

> car, it wouldn't have been worth it. If you have

> sizeable investment in a house, you could lose

> that so you have to weigh the the amount of your

> assets against the possible losses you would

> have. Someone who has no assets, would be silly

> to pay a large sum for health insurance. If you

> are in an emergency situation health-wise and

> have no assets, hospital must treat you. If you

> are elderly and in good health, it would make

> good sense to buy it even if expensive, etc.

> It's not automatically a good thing to buy

> regardless of price.

> There are a number of otherwise low paying jobs

> that should be fairly easy to get I think but in

> exchange for low wages, you get group insurance

> coverage. I know a number of people who work for

> low hourly wage for group health insurance. Then

> there is no preexisting condition clause that

> applies to you in these cases I believe.

>

>

>

[Guest guest]

Its very important to have health insurance, even (especially-) if you lose

your job.

To their credit, I've read that some hospitals in the worst-hit areas, like

Austin, Texas (where over 25% of the population has no insurance at all)

have taken it on themselves to simply provide healthcare to some people with

extremely expensive chronic diseases instead of trying to pursue them to

seize their assets, etc. This has allowed those people to receive health

care that otherwise would have cost hundreds of thousands of dollars. But

they are a tiny number of people relative to the vast number of people who

are simply paying out of pocket. And the commercial hospital chains and

increasingly, public hospitals run by communities are going after people's

assets. And as I said, now that the bankruptcy laws have changed, the length

of time that people with low incomes will continue to be paying off their

debt in practical terms can be the rest of their lives. And they don't leave

you with much to live on, much less than it might take for most people. And

the debts to the creditors are paid at a higher priority than other, newer

health expenses and things like child support, etc. I am pretty sure.

Kind of like how the FEMA aid (loans?) to Katrina victims goes first to

paying off the banks that provided the original mortgages, rather than

helping the people rebuild their homes.

(BTW, does anyone know if that aid are loans or outright gifts?)

On 11/18/06, LiveSimply <quackadillian@...> wrote:

>

> The new bankruptcy laws make the situation for people with medical bills

> much different than it was a year or two ago.

>

> As I understand it, the number of people who are forced into bankruptcy by

> medical emergencies is skyrocketing and the

> entire bankruptcy option has changed such that most people are forced to

> repay their debts completely, and in the case of medical bills, that can

> mean paying almost everything you make for the rest of your life. The

> option

> of discharging debts os only available to people with very, very low

> incomes, and they don't look at your current income, they look at your

> income previously, so many people who have lost jobs are still not

> eligible

> to file.

>

> The consensus is that they are creating what will become a permanent

> underclass of people who have debts so big that they have no hope of ever

> paying them off by doing that. They wouldn't even exempt soldiers who were

> called to Iraq or the insured sick or any of many other groups that really

> should have been exempted..

>

> They also allowed interest rates so high that people's debts can keep

> growing, never shrinkig, even if they are paying them off.

>

> This is why they are pushing so much credit on people now. Because they

> know

> that nomatter what, they will get that money from you, even if you have

> other bills, they (the banks) come first.

>

> On 11/18/06, bbw <barb1283@... <barb1283%40>> wrote:

> >

> > Regarding gettting insurance even if it is

> > expensive: I fell into a gap period with no

> > insurance once,and due to the fact that I had

> > been on Xanax for a sleep problem I could not get

> > insurance that would cover doctor's visits,

> > prescriptions, testing, etc. no matter how much I

> > was willing to pay. I could only get catastophy

> > insurance/i.e. hospital insurance and that was

> > something like $450 a month or something absurd.

> > Since I had few assets at the time other than my

> > car, it wouldn't have been worth it. If you have

> > sizeable investment in a house, you could lose

> > that so you have to weigh the the amount of your

> > assets against the possible losses you would

> > have. Someone who has no assets, would be silly

> > to pay a large sum for health insurance. If you

> > are in an emergency situation health-wise and

> > have no assets, hospital must treat you. If you

> > are elderly and in good health, it would make

> > good sense to buy it even if expensive, etc.

> > It's not automatically a good thing to buy

> > regardless of price.

> > There are a number of otherwise low paying jobs

> > that should be fairly easy to get I think but in

> > exchange for low wages, you get group insurance

> > coverage. I know a number of people who work for

> > low hourly wage for group health insurance. Then

> > there is no preexisting condition clause that

> > applies to you in these cases I believe.

> >

> >

> >

>

>