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redwood311

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  1. This is fabulous news for my husband! Alameda County, CA keeps placing tax liens on him for a boat that he hasn't owned in 5 years and hasn't been in CA in 12! It has been such an ugly battle. We keep providing them information such as WA state registration and bill of sale but they just ignore it and put another lien on him! He has 9 total!! I'm just now starting to work on a plan to clean his credit, so I'll wait til July and see what happens on those before I invest the energy. Thanks AlphaMail!
  2. Thanks Why Chat. I plan on using your guide. I was just curious about the SOL on them. [emoji3] I'll keep you posted on my progress. You're a blessing! Sent from my iPhone using Tapatalk
  3. Thank you for the quick responses! I plan on writing up a full intro and plan to post soon but I'll give you a little history now. In 2012, I had to file Chapter 13 after my husband and I were hit hard by the recession. We are currently scheduled to be complete this summer so I'm trying to start repairing my credit beforehand. Our goal is to refi our house so we can take some of the equity to repair our home. The first year of BK13 was very rough on us. We weren't afforded any room in our budget to pay for anything other than our basic bills. In that year our family had a few medical occurrences, including two ER visits. We were fully insured at the time so when I received exorbitant bills, I refused to pay until I had the ability to account for the charges and understanding as to why they never billed my insurance and requested itemization, which I never received. In total, I have 4 medical collections OC: Private hospital Amount: $2,900 Date of Service: 11/2012 Open Date: 7/2013 Reporting To: EQ OC: Private hospital Amount: $4,500 Date of Service: 8/2013 Open Date: 11/2013 Reporting To: EQ OC: Private Practice Amount: $302 Date of Service: 8/2013 Open Date: 11/2013 Reporting To: EQ, EX OC: Private Practice Amount: $180 Date of Service: 8/2012 Open Date: 12/2012 Reporting To: EQ I read on here somewhere that public government subsidized hospitals are exempt from SOL. Does that also apply to private hospitals that receive subsidization? I have no issue with the two private practice accounts. My records show those as accurate and billed properly. Sadly, I just didn't have the financial means to pay them and I'll be honest. I wasn't very responsible at that time. That has been the biggest transformation in my character thanks to BK13. It's been hell but I have grown to be more conscientious of my financial well-being. Lastly, I come from a family of surgeons so I actually know the impact of patient non-payment. I want pay what I owe, but I don't want to pay a big private hospital what I don't owe either! Thanks again!!
  4. Hi everyone! I'm new & looking forward to starting my rebuilding journey. I'm busy reading everything I can beforehand and I have a question... I read on whyChat's site that the SOL in Washington is 3 years but when I googled it, everything I'm seeing says 6 years. Which is the accurate SOL? Thank you!!!! References https://whychat.me/States/state-wa.html http://protectingconsumerrights.com/debt-collection-problems/statute-of-limitations-by-state/states/washington/ http://www.justanswer.com/law/1ek1z-unpaid-hospital-medical-bills-washington-state-totaling.html Sent from my iPhone using Tapatalk

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