So I opened a credit card as a freshman in college (2008) and ended up losing my job and never paid off the debt. Collection agencies have been blowing up my phone and sending letters trying to collect the almost 00 that I owe. I am presently unemployed due to health issues and have no way to pay off all the debt now. They are offering me the option of settleing the debt but i dont want it to ruin my credit score. what should i do?

I have no other credit cards in my name, only the hospital bills i have been paying on from three surgeries and the hospital stays and what not. will paying these bills on time and in full help my credit score?

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My daughter was seriously burned and nearly died. She is having numerous surgeries. Now, she is having a reconstruction of her windpipe. She was taken off medicaid because her twins turned 18. She applied for Disability and was turned down. We got a lawyer and were told on April 5 that a determination had been made but it was under review and we would know on April 14. When I called (my daughter cannot speak), we were told that her husband had to send in pay stubs from June 09 to March 10 and we would hear in 15 days. Meantime, the hospital wants to know who is paying for the surgery? I am putting out 0 a week and I am ill and can only work part time ( I was paralyzed with Guilliane-Barre last year.)I am going bankrupt. Why are they stalling when this is a life or death matter? Is there any suggestions that I can do?
Why did they say that a determination had been made and that it was under review and we would have an answer by April 14. They lied. Then wanted more information that they should have gotten before.
If my daughter had money to put out for medicine and surgeries, she would not be asking for SSI. She has no money at all. Without her medicine she dies
I think that Social Security is stalling because the think she will die and they will not have to pay,

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I have worked with consumer credit counseling for over a year now and I currently was paying over ,500.00 a month to cover bills, unfortunately my husband is off work and will be for some time because of a work injury which workers’ comp denied. He is scheduled for 2 surgeries and I am seeking some form of disability. I will be down to one income, I have four children, I am thinking about doing debt settlement since we owe K and I am the only one working with no other income coming in, please advise me if these programs work, I cannot file bankruptcy. Please help me.

Technorati Tags: bankruptcy, consumer credit counseling, Debt Settlement, disability, surgeries

then what’s the problem with starting up a gov’t funded alternative?

1.) People argue of dooms day scenarios regarding waiting lists to get teeth pulled, but never take into account all of the people who wait until the last minute to get medical treatment b/c they have no health insurance. THESE PEOPLE WHO WAIT ARE DRIVING UP THE COSTS of healthcare b/c by seeking no preventative care, they increase the amount of expensive surgeries and extended stays at hospitals. As it stands, Americans are already paying for that now.

2.) The people that state that the US can’t afford gov’t funded healthcare due to sky high taxes overlook the fact that healthcare costs are the leading cause of bankruptcy today among people that HAVE HEALTH INSURANCE.

3.) The people that state that if the gov’t provides healthcare, it will eventually have within it’s ability control to manage every aspect of our lives have obviously never heard of the military, CIA, FBI, NSA, Homeland Security, Federal Reserve, Treasury and Coast Guard, which at any point can control every aspect of our lives today.

What’s wrong with a gov’t funded alternative?

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I just want know of a good bankruptcy lawyer in NJ. My brother through out last year has been dawning in credit card/.medical debt. The medical debt is due to my nephew, who was born not so healthy and had to get many surgeries and so much attention from different doctors at Children s hospital of Philadelphia (CHOPS). As of right now he is not delinquent on any credit cards, but I fear that soon he will. I am just trying to fine options for my brother. What can be his best alternative.

Thank you

Technorati Tags: bankruptcy lawyer, brother, credit card, credit cards, doctors, medical debt, nephew, philadelphia, s hospital, surgeries

Due to 2 divorces, and 2 surgeries that weren’t covered by insurance, I am about ,000 in debt to credit cards, , 000 in student loans, and that doesn’t even count my mortgage debt. I am in need of major financial help, but I don’t want to file bankruptcy? Just wondering what other alternatives are out there.

Technorati Tags: bankruptcy, credit cards, divorces, financial help, insurance, mortgage debt, student loans, surgeries