Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

What are the projections for such a system? What contributions would all recipients of health insurance be required to make? How would costs be controlled without rationing?

Any information would be helpful. thanks.

Technorati Tags: health insurance, insurance

Okay, this is extremely frustrating. I’m a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? 0!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I’ve never had a ticket, never been in an accident. And I don’t care if i’m 19 that price is absolutely absurd for that car. I’m almost at the point where I just wanna go illegal and drive without insurance. I’m looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it’s under my parents policy and its this much!!!

Technorati Tags: allstate, bitches, full coverage, funny thing, insurance, money, parents, part time, sleep, state insurance, toyota, toyota tacoma

I have a few questions about their divorce. My husband and I cannot get approved for a loan on a house because his ex wife still has not refinanced the house they had bought together. Her husband makes ten times what we both do combined, and she refuses to refinance and she is continually 30-60 days late on mortgage payments. They divorced over 2 years ago, and he signed the quit claim deed. We called the title company the other day and they told us the quit claim is invalid because his name was not printed in the notary box, it had only been signed. So I told my husband I am going to file bankruptcy on all my past due debt, because I will not be able to buy a house until I am almost 30 by myself. He wants to file as well. Combined we have over 0,000 in debt between the mortgage in his name and medical bills for us and our children prior to having insurance. So can we file bankruptcy on the house? And if so what will happen to her? I am going to speak to a bankruptcy attorney in a couple of weeks to learn more but was wondering if any of you have any idea.

Also I called his ex wife to try and find out if he signs another quit claim deed and gets it recorded properly this time will she refinance and she refuses.

Technorati Tags: bankruptcy attorney, claim deed, divorce, insurance, medical bills, mortgage payments, title company

I am a 64 year old widowed man ,who is in need of a major back operation to be able work,walk,stand etc.for the past six years .Ive seen many doctors and the operations they say I need I dont have the co-pay money even with insurance throw the state I have throw my deceased school teacher wife.(Ive been self emp for years ,and cant keep up,IVE SPENT THE EQ LOAN ON MY house just to stay going ,credit cards are max out and have no way to pay all this,im screwed! anyway I go ,so should file bankruptcy or just let thing go ????? into forclosers and charge offs,my previous good credit will be ruined either way but whats the better way for my further if there is any hope after this ??? I really need some helpfull advise. please !!!!!!!!

Technorati Tags: bankruptcy, charge offs, credit cards, doctors, emp, eq, forclosers, helpfull, insurance, money, school teacher, six years

I have tried it all and can’t qualify to buy. I have ongoing medical bills, unpaid medical bills, charge offs, apartment judgements (2), old repossessions, a secured card that stays maxed out. I am caring for my family of 6 on my income only which is around K a year. I usually have trouble just paying rent, food, car note, fuel, insurance, electricity, water and cell phone and internet (I use it for work).

I don’t even pay for gas service in my house until winter b/c it is only used to power my heater. My student loan debt from my bachelors and masters programs is huge but I have it consolidated. I don’t have a home phone, cable or any of that frivolous stuff. Yet in all honesty, I cannot see myself raising my credit score enough to buy because everything I try I can’t keep up (like the secured card). I max it out on food or gas every month.

Now you know my financial story, would bankruptcy help me? Someone told me not to file because I won’t be able to buy a house for 10 years, but at the rate I’m going I won’t be able to anyway unless I have a rich uncle or a genie.

Technorati Tags: 10 years, apartment, bachelors, bankruptcy, cell phone, charge offs, credit score, electricity, genie, honesty, insurance, judgements, masters programs, phone cable, repossessions, secured card, student loan debt, unpaid medical bills

I’m 23 years old. Last year I was in a car accident and now I owe thousand something to the insurance company. I missed my payment last month and now they want to file a lawsuit. Meanwhile I’m paying 0 a month for a car I don’t even have anymore. The biggest thing on my credit report is a 0 medical bill. Just seems like there isn’t enough money coming in to pay everything every month. Should I file for bankruptcy? I really really don’t want to do this.

Technorati Tags: 23 years, car accident, credit report, enough money, insurance, insurance company, medical bill, should i file for bankruptcy

I’ve always known republicans to be hypocrites in the fact that they’re allowed to do things when others aren’t, because they’re always in the right even when they’re wrong. But when their own ideology comes back and smacks them in the face, forcing them to lose their homes over health care costs that they can’t afford, and they find their insurance is just one big scam, is it enough to make them smell the corruption, or do they go off and blame Liberals, mistaking their own party’s policies for that of "the enemy?" I live in Canada so I’m not faced with that situation, but my God, I sure hope that when rednecks in red states suffer, which I’m all too happy to see, they at least realize how they go to that point.

health care medical bills republican conservative bush congress senate insurance

Technorati Tags: bush, canada, congress senate, conservative, corruption, god, health care costs, hypocrites, insurance, liberals, medical bills, red states, rednecks, republican, republicans, senate insurance

The creditor filed judgment against me on my credit for medical bill, that was from my ex -wife. I was being nice and stupid, she was still under my insurance coverage even we were separated, I had no idea where was she, all of sudden there was medical bill on my credit. I filed divorce on the news paper because I couldn’t find her. I am still not able to pay this money, I am thinking about filing bankruptcy… How can I do it?

Technorati Tags: creditor, divorce, filing bankruptcy, insurance, insurance coverage, judgment against, medical bill, money, news paper

Ok I have around ,000 in credit card debt. I also co-signed with my mom to buy a house 4yrs back and it is due to go in foreclosure soon due to the fact that her husband lost his job (construction) and I couldn’t make the payments by myself which is why I defaulted on my mortgage and credit cards.

I also suffered a broken ankle in December and upon returning to work in May I lost my Supervisor position which was nearly a / per hour pay cut. To top it all off they decreased our work-week to 32 Hrs.

So my question is can I get away without filing for bankruptcy and just wait til everything clears up in 7 years or do I have to file?
Unfortunately my injury happened at home so I was receiving Disability insurance which was about %60 percent of what I made normally.

My mom or her spouse haven’t been able to find a job and their unemployment ran out 2 months ago.

I don’t have anything of value that I see the court selling off to pay back some of my debt. I am really broke and don’t have much in the way of assets. I only have about ,000 in my 401k other than that I am broke

Technorati Tags: 401k, assets, broken ankle, credit card debt, credit cards, disability insurance, filing for bankruptcy, foreclosure, insurance, job, mom, mortgage, supervisor position, unemployment

How many insurance companies went bankrupt in 2009? How many insurance mergers and acquisitions were there in 2009? How many insurance companies were bought and sold in 2009?

Any answers to these questions get voted the best answer!

Please site your information.

Best answer gets 10 points!

Thanks!

Technorati Tags: insurance, insurance companies, insurance mergers, mergers and acquisitions

I was an employee for a company that went bankrupt a year ago. A few moths ago I was given the right to sue by the EEOC. Is there a chance that any insurance money is still left if I get relief from stay?

Technorati Tags: eeoc, insurance, insurance money, moths

I am a 22 yr old, 4th year university student with like 7 thousand dollars in credit card debt. I have part time job, that pays for my rent and car insurance, and some food. I get my tuition form my parents. But since this is my last semester I wont get any more tuition form them. I am really stressed up right now. Can I file for bankruptcy? What is the procedure.

Technorati Tags: bankruptcy, car insurance, credit card debt, insurance, parents, part time job, thousand dollars

PLEASE READ THIS DETAIL! I really need advice…
Just today while my mom and I were in the car, we just came from the grocery store and were talking. We talked about how the people on section aid and government aid were able to get SO MUCH food, dress better than us, and even sometimes live better than us. We live in a nice city bungalow home in a nice neighborhood next door to a University, but I’ve noticed that getting groceries every month is a struggle with all the bills that needed to be paid and any other additional thing I might need for school, etc.
My mom has a job that pays quite well per hour, but they tax her A LOT. She is taxed for senior citizens (because in the past her job took out money from the previous employees pension check so now the current workers HAVE to take out money for their wrong doing), taxed for city, state, pension, and the optional dental and doctor insurance (but who wants to live without those necessary things!?). So by the time she receives her first check, it ALL goes to the mortgage bill for the house. Her second check goes to house hold bills (light, gas, water, telephone, cellphone, car, etc.) Leaving us with very little money to live off on. She has tried receiving some kind of government aid to help pay for the gas and light bill, but they said she was making too much money…which isn’t true AT ALL. They’re not looking at how much she’s being taxed and how much she has to pay for bills.

Anyway, my mom got upset and told me, "Once the job lets me go (they are firing her on my birthday because of the ‘financial crisis’) I will blow up my credit card and pay off the house, the car, and some of your college tuition for 2 years. After that, I will file for bankruptcy because I’m tired of doing the right thing, but get nothing for it. I’m always getting screwed over. We have to work REALLY hard to get just what we need when people on section aid and government aid don’t have to work as hard to get what they need or WANT." I explained to her that her credit score was PHENOMENAL and she shouldn’t make that decision because she worked YEARS to have such a great score. But she said she didn’t care. She was tired of it. She said it wasn’t going to affect me in any kind of way so why should I care? …I got really sad and wanted to cry to think that she wanted to give up like that and even think negatively like that, but could you blame her? My mom has always made the right decisions financially. She bought her first house when she was 18 and has NEVER missed a payment on it. We lived there until I turned 12 and moved to another house with a better neighborhood so…i don’t know what’s gotten into her.
What should I do? Is it in my right to tell her to make a better decision? I’m a senior in high school so what can i do?! I don’t want my mom to stoop so low….please, help me. Serious answers, plz. :’(

Technorati Tags: bankruptcy, bungalow, college tuition, credit card, doctor insurance, doing the right thing, financial crisis, gas water, government aid, groceries, grocery store, insurance, mom, mortgage bill, nice city, nice neighborhood, pension check, senior citizens, state pension, struggle

My wife has a Vehicle that she wrecked over 6 years ago, and she didn’t have insurance (before we met). Now we are in escrow for a new home. The underwriter wants us to settle this debt. It’s a debt passed the statute of limitations in my state, and has been charged off years ago from the original creditor, but active with a junk debt buyer. I need to get this settled ASAP because we are in danger of loosing the house we want. Should I use a lawyer to negotiate this debt? Or should I go it alone?

Technorati Tags: 6 years, asap, creditor, debt buyer, escrow, insurance, lawyer, statute of limitations, underwriter

I mean besides worrying that if the company you work for goes bankrupt there goes your health insurance and the COBRA extension; Also, wouldn’t it be amazing if you could work the job you *want* rather than the one that offers the best benefits. Why do we still have this system as it limits self employment, small business growth and creates "job lock"? Ever tried buying insurance independently outside of an office pool with two pre-existing conditions? Even if you cut back on absolutely everything, it’s still unaffordable.

Technorati Tags: business growth, buying insurance, cobra, health insurance, insurance, job, office pool, pre existing conditions, self employment, small business

Hi,

I have two tickets from almost 3 years ago that I forgot about/never paid, and now the DMV has suspended my license!

They say I owe them ,800 and that the file is now with collections. The person I spoke with says that I must pay every cent to them in full and that they’ll never lift the suspension.

Is this true? Or is their debt collector trying to do a good job?

I looked online but can’t seem to find a resource to resolve/settle this debt. Most debt settlements will let you pay like 50% and will remove the debt. This happened 3 years ago!

What can I do? Must I pay them nearly k for two tickets I forgot to pay 3 years ago??

Thanks for your advice.

Charles
The tickets are 1) a cracked windshield ticket and 2)driving without vehicle registration(or possibly insurance)

No traffic tickets or anything very serious.

Thanks!

Technorati Tags: 3 years, collections, cracked windshield, debt collector, debt settlements, dmv, good job, insurance, traffic, vehicle registration

I am a single person, low income (waitress), just suffered a major medical expense and no insurance. I have lots of credit card debt, no car, house or student loan debt. How much would it cost a lawyer to file my case with bankruptcy court? Thanks!

Technorati Tags: bankruptcy court, credit card debt, insurance, lawyer, medical expense, student loan debt, waitress

I have about 23,000 in unsecured credit card debt. I recently lost my job and had to take one making a lot less per month. I went a debt consolidation program that got my payment down to about 700.00 per month. The problem is i am only bringing home net about 1200.00. I then have a mortage utilities and insurance etc so i am running in the hole. Is debt settlememt a good alternative. I do not want bankruptcy . I know settlement will hurt my credit score but at this point I need a way out. I have heard that settlement companies make you hold off on payments and the credit card companies will keep hounding you? Is this true? Does anybody have a suggestion to my dilema

Technorati Tags: bankruptcy, bringing home, credit card companies, credit card debt, credit score, debt consolidation program, dilema, insurance, job, settlement companies, suggestion, unsecured credit card

married couple. both are 38. we have a child due in June.
We live in Vegas and want to move and get an affordable home. We do not own real estate. She has k and I have k in debt, both accounts are in collections. The only asset we have is 55,000 in a retirement account.

I filed Chapter 7 in 99. My current income as insurance and financial advisor is too high for 7 here in Vegas. Right now it is around k but can get much higher.

A chapter 13 concerns me because of the 3 years of payments, its effect on my credit and potential to get another good job should we move, and we may not be able to get a house should we move.

I could liquidate the retirement and pay off the debt and have about k left after taxes and early withdrawl penalties. This would also include the tax liability for the k I took from my account last year.

As a financial advisor, I know that the withdrawl we took last year was stupid.

MOM is giving me 50K for home purchase.

BK or pay?

Technorati Tags: 3 years, bk, chapter 13, chapter 7, collections, good job, insurance, married couple, mom, own real estate, retirement account, tax liability

I know this may be rather irresponsible of me but I have backed myself into a corner and I see no escapes other than declaring chapter 7. If I never would have financed my car (at age 19 now 22), then I would not be here asking about it. I still have 3 years left of payments on my car and insurance on top of that plus living expenses. I DO NOT wish to work full-time like I have been for the past 3 years because I want to just focus on school and not worry about bills. I only work part-time now and my income does not meet my needs. I figured why not since I won’t be buying a house anytime soon. I plan on saving up for a cheap car (about 2 grand) to have until way after graduate school and an established career. I was very naive and ill-advised a few years back and would rather suffer with a bad credit report now than deal with the bills and be forced into full-time work again. Please, I need some honest, sensible opinions. Thanks!

Technorati Tags: 3 years, bad credit, buying a house, chapter 7, cheap car, credit report, escapes, full time work, graduate school, insurance, living expenses, part time

I’m in California, I bought the house in July 2005, REFINANCED in July 2006 then stop paying in February 2007 because my mom passed away and I couldn’t afford the payment, insurance and taxes all by myself. My house is now foreclosed. The bank took possession on October 2006. Countrywide continues to send me statement on the HELOC. Does this means that I still have to pay for the HELOC?? I didn’t even take any money from it. It was used to pay for the rest of my original loan when I refinanced. Can I file bankruptcy particulary chapter 7 for the HELOC??
NO! My mother is not on the mortgage. She helped me with it because I bought it for her… she couldn’t qualify.
I meant to say "NO! My mother WAS not on the mortgage. She helped me with it because I bought it for her… she didn’t qualify."

Technorati Tags: bankruptcy, chapter 7, heloc, insurance, mom, money, mortgage, possession

What happens when the United States goes bankrupt?
What happens to the world when the United States goes bankrupt?
Yes, however, Do you think that will not result in higher premiums for us Upper Middle Class folk who have private insurance?

Technorati Tags: insurance, premiums, private insurance, united states, upper middle class

I’ve had about 6 accounts go into collections. They are all hospital bills. I thought at the time my insurance covered the majority of those visits seeing how I had coverage but I guess they didnt. My credit has been severely ruined b/c of these accounts dispute the fact I have a mortgage, auto loans & credit cards all in good standing. I want to settle the collections accounts but I’m curious on the repercutions of settling. The oldest account is from 2002 & the newest one being in 04/2006. They are relatively small totaling only about 00. What recommendations do you guys have? I really dont feel I should pay something my health insurance should have paid. But I want to fix this since I’ve ignored it for so long. I’m clueless when it comes to this stuff! Please Help!!

Technorati Tags: amp, auto loans, collections, credit cards, health insurance, hospital bills, insurance, mortgage

My sister’s son had to have emergency surgery. They did not have insurance for him and now have a ,000 hospital bill. My sister’s boyfriend just passed away and now she is not going to be able to pay this. Can you file bankruptcy on a hospital bill?

Technorati Tags: bankruptcy, emergency surgery, hospital bill, insurance

No denying based on pre-existing conditions.

No caps on insurance pay outs.

People are going to be abusing the hell out of this, just like how they abuse every other entitlement program, except now it’s going to be on a massive scale.

And what’s going to happen once the insurance companies are run out of town?

Hellooooooo Socialized Medicine!

Technorati Tags: caps, entitlement program, hell, insurance, insurance companies, massive scale, medicine, pre existing conditions

This person smashed up my car from negligent driving and had no car insurance. I received a judgment and had his license suspended all of this happened in Illinois. They are now in Texas and can’t get a legit driver’s license due to the suspension/judgment. They now say they are going to file chapter 7 in Texas to overcome this situation. Would filing Chapter 7 bankruptcy vacate my judgment? Can he really do this?

Technorati Tags: car insurance, chapter 7 bankruptcy, filing chapter 7, filing chapter 7 bankruptcy, insurance, judgment, negligent driving

Since you can pay 00 to the federal government and just buy insurance when you need it why would anyone pay over 00 a year for insurance?

Technorati Tags: federal government, insurance

America is a country based on debt, your debt the national debt its all the same! You cant control your own silly spending but when politicians do it you feign surprise? You were not surprised when the new highway was paved or when supplies came in after the disaster. You were not surprised when the local bums collected their food stamps and WIC, or even when the SSI wagon came around for all of the illegitimate kids "payments". But now, after all these years, because we’re at the edge of financial collapse you act like the last guy with the pocketbook caused the problem.

Hilarious, mixed with a crap ton of irony I think.

Also, how can someone honestly look you in the eyes and with a straight face tell you health care needs to be passed and needs to be passed now? We pass it, we go bankrupt and guess what? No health care for anyone at all.

Anyone with a rational, logical mind would focus on the economy, get people working again. Then focus on such things such as health care.

If you disagree, please tell me why!
Your health insurance industry adds about .500 dollars to the price of every car made in USA over the cost of a car made in a country with socialized health insurance.

That’s the unions, maybe the 28 dollar an hour auto worker needs a pay cut. Ever think about that O_o

Technorati Tags: auto worker, bums, crap, disaster, economy, financial collapse, food stamps, health care, health insurance, health insurance industry, insurance, irony, logical mind, national debt, pocketbook, politicians, ssi, straight face, unions, wic

True, America has given the world more in terms of scientific advancements, military protection, etc., but what about day-to-day life? They don’t have job lock because their insurance isn’t tied to employment, they have freedom of speech, assembly and religion…and, yes, you can own a firearm in Australia —-look it up instead of listening to propaganda! They have a high per-capita income also and a reasonable tax rate, no one goes bankrupt over medical problems….so why do so many Americans say that their country is the greatest on Earth when Australia appears to be a pretty great place as well? Some could argue that it’s actually greater.
So, Australia is not the centre of the English-speaking world and they don’t have the bread basket that America has, what good are those two things if you’re not doing well in America? So what if Australia isn’t the centre and doesn’t have a fertile interior….we’re talking about day-to-day life of an Aussie versus a Yank, and from what I am reading, it sounds like the average Aussie has it better these days. Flame away with ignorant comments about the "poverty, fascism, illiteracy, violence and socialism" of this foreign land and how much they suffer and all want to immigrate to America. Australia’s great.

Technorati Tags: aussie, australia, bread basket, earth, fascism, freedom of speech, illiteracy, insurance, job, medical problems, military protection, per capita income, poverty, propaganda, religion, scientific advancements, socialism, tax rate, violence, yank