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Kibure

One on one consultation?

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Ok, I profess that I have read a ton and thought a ton but I am still not quite sure the best direction to go from here. Is there anyone willing to help me one-on-one? I promise I won't take up too much time but I am getting rather desperate and confused and it is only making things worse. I keep peeking into chat but seeing no one. Please pm me if you are willing to help. Thank you.

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Ok, I profess that I have read a ton and thought a ton but I am still not quite sure the best direction to go from here. Is there anyone willing to help me one-on-one? I promise I won't take up too much time but I am getting rather desperate and confused and it is only making things worse. I keep peeking into chat but seeing no one. Please pm me if you are willing to help. Thank you.

 

One-on-one via the internet is a very bad idea.

 

Instead, try picking a TL, writing you plan of attacking, then ask for advice on it.

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OP, why have one-on-one when you can have 90,000-on-one?

 

In other words, let us know the situation, and you will receive plenty of advisement.

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OP, why have one-on-one when you can have 90,000-on-one?

 

In other words, let us know the situation, and you will receive plenty of advisement.

I am a bit afraid of criticism and sounding stupid I guess. That and it is a rather long and involved story.

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OP, why have one-on-one when you can have 90,000-on-one?

 

In other words, let us know the situation, and you will receive plenty of advisement.

I am a bit afraid of criticism and sounding stupid I guess. That and it is a rather long and involved story.

 

Just remember, we all started somewhere. We didnt come here knowing everything. I myself even read the newbie sections as a refresher from time to time.

 

I will be the first to admit that im never 100% right. Thats a good reason to let other members provide input.

 

Your in good hands. Look at my siggy to see how far this board has gotten me over the years.

 

(ps, i asked what i thought was a dumb question once, and it exposed LVNV's entire Scam. Now people are taking them down left and right)

 

 

Jack

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OP, why have one-on-one when you can have 90,000-on-one?

 

In other words, let us know the situation, and you will receive plenty of advisement.

I am a bit afraid of criticism and sounding stupid I guess. That and it is a rather long and involved story.

 

We all have to start somewhere. Besides, now I want to read the long and involved story. I am curious.

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Believe me, there are people here with far more embarrassing stories than yours, and in far deeper trouble than you ever have been. Nobody is here to judge you, you can expect that any criticism from here will be the constructive kind.

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OP, why have one-on-one when you can have 90,000-on-one?

 

In other words, let us know the situation, and you will receive plenty of advisement.

I am a bit afraid of criticism and sounding stupid I guess. That and it is a rather long and involved story.

 

The criticism here is constructive as nekom stated. You will come to see the admin of this board does not tolerate destrucitve, judgemental criticism.

 

Post your story leaving out any personal info - we all can/will help you through this.

A huge portion here have "been there done that"

You have a vast wealth of experience to draw from here.

You wont sound stupid ( your phrase) - we understand you are inexperienced and uninformed ...

Once you read through this site you will become informed and unfortunately experienced.

Its just about knowing your rights and the process to protect them.

Be comfortable and post .... <_<

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Ok, I profess that I have read a ton and thought a ton but I am still not quite sure the best direction to go from here. Is there anyone willing to help me one-on-one? I promise I won't take up too much time but I am getting rather desperate and confused and it is only making things worse.
You don't need chat and you don't need one-on-one. You can do this. Have confidence.

 

Don't try to tell us about everything which has ever happened to your credit history, nor about everything which isn't the way you want it. That will make it too unwieldy for us to help you start to address it now, and besides, that probably would just feel really depressing for you to talk about.

Bad stuff didn't end up on your CR in just one week or one month, did it -- it's not going to go away in one poof of smoke by waving a magic wand. This is a process with a series of steps and tasks.

 

1. Have you done anything yet? Written letters, talked to creditors, gotten recent credit reports and figured out what your issues are?

Briefly list what steps you have already taken. For example, if there were incorrect addresses and you've written the CRA's to get those corrected, or whatever any initial actions have been taken.

 

2. Have you sorted your difficulties into groups? For example: accounts which are open but which have prior months reported of late pays, charged off accounts reported by original creditors, collection accounts, medical debts, liens or public records, and so forth.

 

3. Which problem worries you most right now? That is, if you've been served papers that you're getting sued for tradeline ABC then that one is probably a much hotter concern for you than a different tradeline XYZ which is current now but had had one 30d late payment reported in 2007.

 

4. Have you read the Newbies' forum from start to finish? Have you read PsychDoc's seminars, which are threads of training instruction?

For your number one concern, what information have you searched and found? What additional question do you have about that one issue, after reading up on it?

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Ok, I am going to see if I can summarize this down without getting too long winded. Please forgive me if I ramble, I have had a very long, bad week.

My credit problem started back when I was 18 and was given 2 credit cards right out of high school. Those I am sad to say were learning experiences. The first one should be off my credit now (that was 10 years ago) and the second one should be off very soon. I learned my lesson and stayed away from credit cards but unfortunately I am not a very healthy person. Three years ago I started having problems with pain in my legs. I had insurance, and saw a doctor but suddenly lost my job before I could get testing done or get a diagnosis. Instead I went homeless and worked very hard to get out of that situation. The pain got to be something I was used to and I was uninsured so I didn’t worry about it. I got a job and a home and started working myself back up to stable. I bought a car and financed it through my boss at my new job. Things were going well, I even started saving money. However the new job did not have health insurance. I got sick again, and there went the savings going to the gastroenterologist that eventually gave me a diagnosis of IBS which I don’t think is completely accurate but with his help I managed to get on a diet regimen that kept me able to work without too much trouble.

Then I got into a car accident. My little Ford Escort was rear-ended by a Chevy Silverado driven by a teen who was on her cell phone. The silly girl did not even tell her parents that she had been in an accident and to prove to the insurance company what was going on I had to fax over the accident report. On the vehicle they settled for totaling it within a week. The health portion I was not so lucky. I was injured in the accident. I didn’t have much savings left and the insurance company would not budge so I got a loan to pay for the physical therapy that I needed and a lawyer to deal with the rest. As of this moment we are very close to reaching a settlement of $4000 which while not being as much as I wanted, will barely cover the money already put out and the work I missed. The accident was Nov 2007 so I am not holding my breath as to exactly when I will get it though.

Well after all that I was still not doing too well so I moved up to Oregon where instead of living by myself I live with family who helps care for me. The pain in my legs has started getting progressively worse since June of last year. At one point the doctors were afraid it was a neurological condition that would require immediate surgery; however I was lucky enough that it’s not. That scare caused a $6600 emergency room bill. I am also under the care of a Neurologist now, and I just received another bill from her for $5500. Both these bills are supposed to be taken care of by indigent care but they were not.

I worked 2 jobs in Georgia, totaling almost 80 hours a week. Now I can only work 24. My salary is down to $800 a month. There is no way I can afford the health bills that I have. I have tried to do everything right, I sent in all the financial aid paperwork and somehow even though I make so little I don’t qualify for the programs. I was served about a week ago, and Oregon law allows wage garnishment up to 25% of my income which would make my financial situation worse.

I am looking for a way to get out of this situation so things don’t seem so bleak. With only $800 monthly and having rent and other bills I am only digging deeper.

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Ok, now that we have the story down, lets look at the tradelines.

 

Exactly how many medical bills do you have?

 

Who is handling them? The OC or CA?

 

And if you made a payment, who was it to?

 

You made a great first step telling the story.

 

 

jack

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I only have my Equifax report.

 

Furniture Account: $1,158 Charge off

Medical Bills: aprox $15,000 Collections

Loan: $1,014 Charge off

Target: $152 balance, current, paid by co-owner

 

Were it not for the medical bills this would be alot easier to handle. At the moment the 2 biggest are still with the OC. I may have more in medical bills that have not reached me yet, I cannot find the bills for 2 of my tests but that would add approx 2000 or so. I would have to contact the hospital where the tests were done. It really isn't as bad as it could be, I get a 75% discount for some of the tests.

 

Edit: For reference, before I had to reduce my hours I could pay the 75%. But with my illness dragging on and my doctor being an flowers and not looking for a solution my cut in hours was necessary. I can't afford a second opinion or a specialist. I am applying for SSI disability, but who knows how long that could be.

Edited by Kibure

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since the isses are with the medical bills, let's look at that? Why weren't they covered by indigent care? Were you given a reason?Have you explained the situation to the doctor/hospital and tried to make arrangements?

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since the isses are with the medical bills, let's look at that? Why weren't they covered by indigent care? Were you given a reason?Have you explained the situation to the doctor/hospital and tried to make arrangements?

I have talked to the doctors/hospitals and have gotten nowhere so far. The line I was sued for from OHSU was supposed to be in the process of getting the debts discharged through indigent care but no luck. When I call OHSU recently I get the runaround. They don't have my file since it was sent to the credit agency, and the credit agency cannot do anything about it indigent care wise or even send it back to the hospital.

 

Since I am counted as a single person family, most of the time the reason I get for denial is my income is too high. I have talked to them for hours on the phone and submitted all the documents they wanted but without much luck. This state especially is tough on single people who are uninsured.

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I am sorry for the double post. Just got word from my lawyer that we are only getting 3500 for the settlement. Now he is pulling that his fee is 33.3%! After the outstanding bill is paid, I will basically have nothing coming back to me after paying a ton out of pocket. x.x

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OP, why have one-on-one when you can have 90,000-on-one?

 

Because 90,000 people telling you to do 90,000 different things is more confusing than helpful?

 

But they're right. Post your issues, get a few responses and do the best you can with them. Personally I'd hesitate to ever provide any 1-on-1 advice about something like this as I'm not sure what the legal ramifications might be...

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OP, why have one-on-one when you can have 90,000-on-one?

 

Because 90,000 people telling you to do 90,000 different things is more confusing than helpful?

 

But they're right. Post your issues, get a few responses and do the best you can with them. Personally I'd hesitate to ever provide any 1-on-1 advice about something like this as I'm not sure what the legal ramifications might be...

 

No, because there is no one answer for credit repair. Of course, YMMV. :rolleyes:

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I am sorry for the double post. Just got word from my lawyer that we are only getting 3500 for the settlement. Now he is pulling that his fee is 33.3%! After the outstanding bill is paid, I will basically have nothing coming back to me after paying a ton out of pocket. x.x

 

That is pretty standard for accident/injury lawyers...

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Personally, I'd try to get the medical issues handled thru the indigent care or other state/federally sponsered healthcare. There are advocates out there who may be able to help. A quick Google search for "medical bill advocates" brings up 4.87 MILLION hits. Call a lawyer help line. There are some who do pro bono work. A quick Google search for "pro bono lawyers in (your state)" comes up with MANY options. This can help two-fold:

1) medical coverage (whether insurance, indigent care, or others) is a slippery slope. Standard fare for insurances is to deny everything or offer a pittance at first. 90% of the people will accept that because they don't fight for their rights. A lawyer or advocate will KNOW what the places MUST do and act accordingly. They will also have "insiders" who they can go directly to in order to help your cause.

2) collection agencies get scared pretty easily if a lawyer drafts a letter to them. If you are able to have a lawyer start getting you help to get things covered thru indigent care or other means, he/she can write a letter to the CA's telling them to turn back the debt to the OC's or remove the tradeline and close the account.

 

Lastly, about your current lawyer: I obviously know only the condensed version you have posted here, but it doesn't sound like they're very good. The accident was the other driver's fault (girl on cell phone). In some states if you're in an accident, you're automatically partially liable, but usually only 10%-20%. Regardless, that girl's insurance should be covering your lawyer's fee's, all of your out of pocket medical bills, value for your vehicle, plus pain and suffering. I caused an accident a few years ago and the girl I hit broke her shoulder blade. Healed up perfectly fine, but she ended up getting $80,000 from my insurance company. You should still be in the statute of limitations. If the case is not settled yet, I'd see about taking all the information to another lawyer for a free consultation to see if they think you're getting a fair shake.

 

Try to find a pro-bono lawyer to first take on your judgement and the medical bill it comes from. You could possibly get a continuance while you try to find one. I'm not sure how that works. That seems to be your most pressing issue: getting your paycheck hit.

 

See if that lawyer knows of someone who can help with your medical billing stuff. There's GOT to be something out there that can help you.

 

After you get that stuff taken care of (the root cause as some would call it), start hitting your credit record.

 

My opinion only.

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When it comes to getting your medical bills paid, You have to stay on the hosp. In most cases you are allowed to appeal the amount that will be written off.

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