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Everything posted by syncracirca

  1. Should I cancel my Smart Credit premium subscription? I'm in Indiana if it makes any difference.
  2. OC paid, still pending a reply. No collections reporting. My HR dept where I work will not let me drop coverage on her without proof of new coverage. Her guardians refused to provide this to me, and they are actively using the insurance. I asked the Insurance Co. to send her patient profile for the past year. She was just in the hospital again this April. The Custody Decree says they are to seek insurance for her 'if available'. I'm having trouble interpreting the patient profile, but it looks like there was about 15k owed in 'coinsurance' and 'copays'. Total amount billed was appx 46k. I'm going to begin following your other instructions from the last post. Can I ask the insurance to do this retroactively, or would it only apply to future claims?
  3. I finally received the statement. It arrived in an envelope with the letterhead of a hospital in Louisiana. It looks like an invoice to my untrained eye, but it's not a medical bill. At the bottom it says: 02/11/14 STMT COLL EVT #1 SEQ #4 PRINTED below that it says: OTH.1 0.00 SP 50.00 It looks like they are saying I owe them $50. At the top of the letter it says "Guar <my social security number>". I take it this means I'm the "guarantor"? $50 is not much money, but I'm afraid that if I pay it then it would be an admission to owing the money...which could mean they could send me MORE bills. I'm also afraid they will send it to a collection agency. I've been getting more phone calls that I have missed, but when I look the phone number up on google it is medical billing collection agencies. At least 3 different agencies. For right now my credit reports are squeaky clean. I'm not sure at this point if I should proceed with the HIPAA letter program, ignore them, or send them my wife's divorce decree/custody agreement showing that my step-daughter's father is responsible for any medical bills beyond what insurance did not cover.
  4. $75? How'd you pull that off? (no pun intended) Every time I go in for a tooth extraction it costs at least double that, but typically around $200 without insurance. Maybe I just look like a sucker.
  5. I am her stepfather, but have no type of custody (never have) unless there is some state or federal law that gives me some form of custody by way of marriage to her mother that I'm not aware of. I'm still waiting on a letter from the medical billing office that called. As you've advised I'm going to get any documentation I can. I do have a few paper statements from my insurance company showing what they have paid and what was not paid, but not all of them by any means.
  6. I apologize if I seem cold and uncaring, and I agree that this child does need continued medical coverage and medical care. She is still on my insurance, but now has insurance through her grandparents that she lives with. I plan to drop her from my health insurance during the next open enrollment. None of the contact I've had so far has been with any collection agencies, and so far my reports are clean. These debts are still being held by their respective healthcare organizations so far as I can tell. My wife found her Amended Custody Decree. For the time frame in question it states that my wife and I were responsible for insurance coverage and that her father is responsible for 100% of what insurance does not cover. Would it be appropriate to send a copy of the Custody Decree to the billing office that called? They already had my address and I asked them to send me a letter for any further correspondence. Hopefully I haven't screwed up yet.
  7. I have two step-daughters and one of them is a sociopath (I will refer to her as 'Alice'. This is not her name.). My wife and I have custody of both girls starting in 2012 and they are covered under my insurance. We could no longer keep Alice under our care because she was threatening to kill my younger children. Alice's father took her, and a new custody document was drawn up: he takes custody of her, does not pay child support to my wife. We continue to cover Alice under my insurance, and her father is responsible for any medical bills beyond what insurance does not cover. Alice's father lives in another state. Over the course of 2013 under the care of her father, Alice spent a great deal of time in 72 hour holds and multiple inpatient stays at psychiatric care facilities. She was taken away in an ambulance during this time due to feigning illness. Alice's father told us that he could no longer take care of her either...he sent her to live with other family members but this didn't work out either. Alice is still covered under my insurance and now lives with her Grandparents in another state. She is still not doing well, but I think she will be able to stay with her Grandparents. I am getting calls from "Medical Billing Offices" about debts that have gone unpaid during Alice's stay with her father in 2013. Alice's father told us that these bills are in the 10's of thousands of dollars and he simply cannot pay them. My wife and I did not agree to pay these medical bills. She was not under our care when these bills were accrued. Neither I nor my wife had any control over her medical care while she was with her father. The medical billing offices are calling me (not my wife) because the insurance is under my name. Am I responsible for these bills? I have been told that these bills will soon go to collections. I cannot pay them. So far the only action I have taken is to answer these phone calls and ask the medical billing offices to forward these communications in writing. I'm expecting a letter any day now.
  8. I wonder how this will affect the AMEX promotional offer?
  9. My wife and I went with a local CU and got our highest limit yet: $10k. She has a thin file and both of us are in the low 700s.
  10. This has been discussed in the past. Paying mortgage and/or utility bills with CCs for reward dollars/points. Are there any options now that are worth it? Do the credit card companies get upset with people about this? I've found a couple of sites that - for a fee - will pay your utility/mortgage for you if you pay them the amount due with your credit card. If this is a waste of time please let me know.
  11. My wife signed and NDA, but I did not. I hope this helps others that are scammed by TCN. We did a better business bureau dispute and it was resolved with TCN agreeing to pay off the loan. If my wife were to speak publicly about this, TCN could take legal action against her. Important: Your BBB dispute must be carefully worded. Put emphasis on the fact that you thought you were signing up for college courses with an accredited institution and then later found out that they are a publishing company. They cleverly hide this information in the contract. A State AG could probably rip them apart, and the must know this.
  12. Exactly. I'm still not understanding the OPs problem (Not being difficult, I swear. I'm still having coffee and this often affects comprehension for me). You start every given day/week/month with cards with zero balances. You pick one that you havent' used in awhile, put gas on it this week so you have SOME utilization of SOME kind going on. Pay it off on payday. Use cash for everything else (cash has no interest so problem solved). Not sure what the problem is, unless OP is trying very hard to run every dollar thru cards to net as much rewards as possible, in which case put your recurring household bills on cards and then set up autopay thru your bank - you never have to think twice about when/how they get paid. Just don't carry balances whatever you do. I know I'm missing something, and when ti's explained to me I'll be embarassed but posting along the way to say "hey I don't get this" is how people learn where society's sticking points are, and what the people as a community should be better educated on. Or something. (ETA: I think "rich" and my husband thinks "poor" - which is why our scores have such a massive difference to them despite being married 20+ years. I think "can I pay this off the second I leave the cash register? No? Do not want." and my husband thinks "will I ever in my lifetime make as much money as this costs? Yes? Then I can afford it! BUY AND BUY NOWOMG HURRYHURRY NEWSTUFF RAWRRRRRRRRR". I do not like "broke at a higher income level", personally.) If you don't understand this problem it means you are naturally better at handling credit cards than I am. Whatever you use, whether it be a spreadsheet, quicken, YNAB, Mint, or something else it doesn't matter as long as you know how are not overspending. You might be amazed at how many people this problem applies to. I understand your need for a better explanation. It is an income/spending problem (for me). We have slightly more income than we do expenses, so there is not much room for error. We're working on fixing that, but when you're living on the edge like this and have holes in your shoes....you have to ask yourself the question: can I buy shoes right now? I feel like I'm being unreasonable here, but I promise you I'm posting this with the utmost of humility. It seems like I'm explaining away my 'overspending', but I'm really not. We haven't been to a restaurant in a long time and go to Salvation Army to buy clothes (there's actually alot of good stuff there). The wife and I are working on making the gap between our income and our expenses larger, but in the mean time YNAB helps us paint a very clear picture of how much we have. If it's relevant we have about $300 left over every month after gas, groceries, all bills, prescriptions, and medical co-pays. What's killing us is a combination of student loans, orthodontist payment, and child support. Honestly I'm a little embarassed for saying all of this.
  13. $7000 Just like you said, I didn't need to talk to anyone. The onlne version doesn't tell the CL.
  14. I am sitting here on pins and needles From the very beginning of my credit journey, the card I have always wanted was the Amex Blue Cash. I've been through 6 denials for this card in the past 2 years. And today I have been approved!!!! They sent me an approval email with a ref #, but didn't tell me the limit...and I can't set up the online account without the card # which will be mailed to me in 7-10 days. Is there any way to find out what the limit is without calling them? I am ecstatic.
  15. Some of you who are more financially savvy than I are amazed that I (or anybody) needs an application like this that costs $60 so that we live within our means. Most of you who are doing well without something like Mint or YNAB mentioned using a spreadsheet. A few years back I tried to do that. Maybe if you were sitting there with me helping me to figure out HOW to use the spreadsheet I would have succeeded. I was overcomplicating it and would introduce very simple math errors that threw the whole thing off. Simple things like how interest is calculated messed up my efforts....or coordinating purchases with my spouse. And tracking across multiple accounts. You know how YNAB manages interest? It's so stupidly simple and could be applied in a spreadsheet just as easily. YNAB has you put in the interest charge (if you are a schmuck like me that was paying interest) as a transaction after the charge goes through. So simple, but it never occured to me to input it that way. For me YNAB is like the smart parent that wants their kid to grow up and not be poor. And I didn't get this until I was....31 freaking years old. My parents have always failed at managing money, so how could they teach me? If I for whatever reason suddenly didn't have YNAB anymore, I would be fine. YNAB taught me what I need to know to never have a problem with budgeting again.
  16. I think because the Russian hackers forced him to use his credit cards and swear off devil (debit) cards for ever! Being forced lead him to look further into a tool that would help keep track of CC spending because he could never get it right before. Am I close, OP? Yes, you nailed it.
  17. For a change I'm not being a smartass. How is putting historical transactions into YNAB any less of a look back than with Mint? Mint has a budget screen, but you are only permitted to work with the current months budget screen and the interface is really limited. In YNAB you can work on setting up your next months budget whenever you want. YNAB also makes it easy to adjust your budget on the fly for any reason without making math errors. YNAB lets you have 'budget categories', making it easy to allocate your money without the need to put it in separate accounts. They've got a 1 month free trial. You'd see very quickly whether or not it would work out for you in the trial. What I like most about YNAB (other than knowing exactly how much to pay on credit cards) is that your budget isn't static and inflexible. If you overspend on food, you reallocate money from another category to make up for it. The money has to come from somewhere.
  18. I'd say it's already paid for itself since we started using it Sometimes it goes on sale for something like $20 on Steam if you have the patience to wait on a sale.
  19. Maybe this should have gone into the Success Stories section. If so could a Mod please move it there? So I have always had a problem with credit cards...my wife and I would occasionally overspend because we didn't know when we'd stepped over the invisible boundary of our 'budget'. How do you use multiple credit cards across multiple banks, credit unions, and credit card companies AND track that against what's in your checking account? It's doable, but confusing for me. I never could keep track of all of it, so I would put a little bit on my credit cards just to show some activity and used my debit card for everything else. On December 18th I got hit for over $1500 on my CHECKING ACCOUNT because I'd shopped at Target in late November. That was the day I swore off debit cards forever. However, after paying for everything on my credit cards I really wasn't sure HOW MUCH I was supposed to pay because my 'checking register' had always been whatever my bank balance said on my bank's website that day. Further confusion was caused by a small credit card balance that I wasn't sure if I could pay it off, or needed to carry the balance into the next month...or maybe could have paid SOME of that previous balance off. Sometimes I guessed wrong and screwed myself over. I had to find a way to use the credit cards and to also know EXACTLY how much I needed to pay. Tried using Mint because it's free and tracks your purchases automatically: https://www.mint.com/ It didn't work for me because it only showed me what I had already spent. I was looking into the past with Mint. Then I found YNAB. I'd heard about it before and didn't want to use it because it doesn't sync with your accounts (have to input transactions manually) and it costs $60. But I was desperate. On the plus side, you can sync it on drop box to use on other computers and also 'share' the budget with your spouse. My wife was on board with it because she was just as confused and frustrated as I was about the credit card dilemma. It took us about a week to really 'get it', but I realized almost immediately that YNAB would change the way we use money and how much of it we have for the rest of our lives.... After the first month $1200 of credit card debt was eliminated. We no longer have credit card debt. We know exactly how much to pay on our credit cards each month. I can make $1500 credit card payments and not even blink. We're not spending beyond our means. There is no question about how much money we have, even spanning across 14 credit cards We got over $40 in credit card points this month. That is representative of our typical monthly spending. We will never pay interest on a credit card again. Ever.
  20. Search for amazon card in the creditpulls database. If you've never used it, it's the link in the blue bar at the top of this site - 5th link from the left. I think all of my scores were right around 650 when I got the GECRB Amazon card.
  21. That's ok. After all of the complaints that I file and after contacting any news agency that will run a story on this scam, I'm sure they'll be tired of dealing with us.
  22. Great advice! We'll use all of these resources if necessary. Thanks for the great ammo
  23. DW and I are about to have a huge battle on our hands and I see absolutely NO posts on CB about these ilk. This post is both a warning to raise awareness and a request for advice. In July 2013 my wife was looking for an online program to go from being an LPN to a BSN (Nursing degree). We live in Indiana, so she went to Indiana State University web site, filled out an enrollment form, and they let her know she wasn't eligible for their BSN program because she was not yet an RN (they only do RN to BSN)...HOWEVER she could go to this place called "The College Network" that would get her all credits needed and transfer to ISU. This sounded great, so my wife made an appointment and an Academic Counselor from The College Network came to our house to get her signed up. Unfortunately I was not present when the papers were signed. My wife started this program in August and has been working very hard in her online classes. The illusion fell apart when I was preparing to file our taxes and discovered TCN does not have a federal EIN and thus we cannot claim a tuition credit for the $13,500 that was paid for tuition by way of a loan that was originated with City County Credit Union when all of these papers were signed. I reviewed the contract. The first couple of pages looked like paperwork for a school program talking about how many "semester hours" she needed and what specific courses she would need to complete. But further down the contract the illusion falls apart.....my wife had paid for study guides for college equivalency exams and the exam fees. The College Network is not an academic institution. They are a publishing company. The man that posed as an Academic Counselor was nothing more than a Salesman. We called them and asked for a refund and they have refused, but we are stuck with this credit union loan. I searched on the internet and could not find one instance where someone had completed this fake college program. Indiana State University should be ashamed of themselves for associating with The College Network. Countless hundreds have had their wages garnished by the financial institutions/college companies that hold the loans for The College Network loans. Someone needs to stand up to this company. They are counting on ignorance and fear so that people will continue to pay up. So far we have filed a complaint with the BBB and are preparing a letter to the Indiana Attorney General. What other steps would you recommend taking? The contract states any disputes must be resolved through a third-party arbitrator that they choose in a county in Indiana that is a couple hours drive from us, and also states that if any part of the contract is found to be invalid that the rest still remains legally binding. Is this enforceable? We plan to stop paying the loan and close our checking account so that the Credit Union cannot continue to continue the automatic ACH. This is where we expect the poop to hit the fan They should know better than to originate these loans. It's the academic equivalent of a pay day loan financed at 12% over 5 years, but it's not an actual student loan. After searching the internet I have found that City County Credit Union (in Florida if I didn't mention it) has set up MANY of these loans. They know exactly what they're doing. We are so upset by this and afraid of what will happen....
  24. The below is from the contract that my wife signed: GOVERNING LAW AND DISPUTE RESOLUTION Any and all disputes, claims, or controversies (Claims) arising from, out of, or relating to this Agreement, or the relationships between Buyer and TCN which result from this Agreement, or the breach, termination, enforcement, interpretation or validity thereof, shall be determined, confidentially, by binding arbitration in Marion County, Indiana, before one neutral arbitrator selected by TCN, and with the consent of Buyer (and no other person), which consent shall not be unreasonably withheld; provided, however, that either party may assert an action in small claims court. Any arbitration or small claims action (including any appeal if allowed) shall be conducted between Buyer and TCN only (and only in Buyer’s individual capacity), and shall not resolve, seek to resolve, nor purport to resolve any disputes, claims, or controversies of any person other than Buyer and TCN. This agreement to arbitrate shall not preclude either Buyer or TCN from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. This Agreement shall, notwithstanding any conflicts of laws, be governed by the laws of Buyer’s state of residence when executed by Buyer, and any applicable federal laws; provided, however, Buyer and TCN agree and understand that their decision and agreement to arbitrate shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1, et. seq. The arbitration proceeding may be conducted telephonically or videographically. Any demand for arbitration must be served on the other party (and any small claims action must be filed) within one (1) year of the date any Claims accrue. TCN shall notify Buyer of the arbitrator selected (for Buyer’s consent) within 30 days. The arbitrator will adhere to the terms of this arbitration agreement. If TCN and Buyer do not agree otherwise, the rules for the conduct of the arbitration shall be determined by the arbitrator. Judgment may be entered on the award in any court having jurisdiction.
  25. Hello! I hope this is the right part of the forums to post this, so here goes... My wife was looking for an LPN (Licensed Practical Nurse) to BSN (Batchelor's of Science in Nursing) and saw an advertisement for The College Network. They have a bridge program with Indiana State University. She (my wife) would have to cut her hours back to go to a brick and mortar school so this seemed like a good choice. I let her handle it because it is her education. Now fast forward 6 months: The College Network had her sign a bunch of papers and part of it was for a loan. How much of a loan? Over $25,000. That's an alarming amount of money, but at least we can fit the $232 monthly payments into our budget....AND the tuition is tax deductible....except that it's not. I looked into The College Network some more (let's just call it TCN) and it's NOT A REAL SCHOOL! They've basically gone and sold my wife educational materials to pass CLEP equivalent exams to bridge her over to ISU's BSN program. Maybe I have no right to be upset and it's my fault for not being more involved when she signed up, but I'm pissed and feel like this TCN misrepresented themselves by posing as a school...which they are not. The loan is with a credit union in Florida. TCN 'helped' her with this part, she did not pick out this credit union...just signed papers. I suppose we could stop paying it because this is not a real student loan, but my wife is resigned to trying to slog through it and see if she can make it to get into the ISU nursing program. I feel helpless and powerless to do anything about this, but hopefully this post raises awareness...it's borderline fraud but unfortunately looks legally binding.
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