ammarie

Hi, This is a very long story, but basically I had a $1,500 ER bill from 2009 that my previous employer agreed to pay due to their mistake with my insurance. I was covered, but they made a mistake in their system. My employer was no longer in business as of end 2009. I got a bill from the ER and sent it to my former employer to be paid. In 2010 when I went to have my 2nd kid, the admissions office told me I owed was to pay them $1,900 (copays) to have a baby at the same hospital. I paid this amount. I filled BK in 2011 and included the ER debt in BK. Now in 2013 the office where I've been taking my kids informed me that I owed them $100 from when I had the baby (the pedi saw the baby in the hospital). Upon research Anthem BC/BS informed me today that I overpaid the hospital by $1,900 and the $1,900 dollars I paid to have the baby was actually used to pay the $1,500 I owed them from the ER visit and that the pedi never got paid. So now the pedi told me I can no longer go to their office and that they are sending me to collections due to the outstanding $100 bill. I've tried so hard the last 2 years to get out of the $ mess I got myself into after losing my job in 2009. Thought I was on the road to a better credit future, then BAHM! I don't even know where to begin. Do I call the pedi office and pay on the $100? How do I know they haven't already sent me to collections? I've been a pt for 5 years and I love the doctor. Do I pay the CA with the promise they will remove the account from my credit report if I pay them in full? The hospital already told me in 2012 that they will not file a claim from 2009. I'm lost.

My husband and I bought our first home 2 years ago, 12 miles from downtown LA. We were 32 & 33 and make 100K per year. We live in a nice 1300 SF home. I cannot say it's in the best area, but is has low crime and decent schools. We did a 100% 80/20 loan and did a 30 year fixed after 1 year to lock in a low rate. This is how we managed to get into our house and continue to stay in our house: -NO DEBT. No car payments or CC debt. We drive used/older cars. -Clip coupons. -Work close to home 10-20 miles max, saves gas! -Keep new furniture/house spending to the min. (We collect vintage stuff, so decorating costs are small) It takes lowering your standards a bit to get into a house. Sure everyone wants the nice house on the nice street with the great school district, but that usually means making more $, saving more for a down, ditching the cards and not driving that new car.

Hello. I'm hoping to get some help here. I'm in the position to wipe out most of my credit card debt. I have 5 cards with high interest rates and annual fees that I want to close, because I do not wish to get in the same position again of having credit card debt. 2 of these cards are 8 years, and 3 are 2-3 years old. My FICO scores are 668, 648, 650 (low because these 5 cards are maxed out). If I close them how much of a drop am I going to suffer and how long will it be before my FICO scores are back up there?

I spent alot of time fixing a collection account on my husbands reports. The account was paid by his insurance company before it went to collections, therefore he was not reponsible. I got a letter today from the CA saying that "Payment received in full...if this account was reported to any credit reporting agencies, we will notify them this account was paid in full". Does this mean the collection account will be removed? Or does it stay on his credit reports as PAID? Anything I can do to remove it, since it was never his reponsibility from the get-go.