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bnkrptlsr's Achievements

CIC Member

CIC Member (4/6)



  1. during a recent doctor visit my doctor recommended and performed a particular procedure. prior to agreeing to the procedure I asked if there would be an additional cost and doc said no. Three months later he billed me $127 for the procedure. Health insurance (Cigna) will not cover it (they actually said no insurance co covers it). Does the Florida Patient's Bill of Rights and Responsibilities have any teeth? I've already called and written and the doctor's office says I'm responsible for knowing what my insurance covers. Should I just roll over and pay this to protect my credit or do I have any recourse?
  2. bmc100, be careful. If your DW is not willing to learn the material she could end up getting you in trouble. I don't know about your state, but in my state it is illegal for a non-party spouse to assist with a case. When my DW had her case the attorney, the mediator, and even the "judge" all asked her repeatedly who wrote the documents (answer, affirmative defenses, counter claims, motions, affidavits, etc.) for her. They were trying to get her to admit that someone helped her because it is illegal in my state for a "non-lawyer" to write legal documents for anyone but themselves and that law applies to spouses. If my DW had answered anything except "I wrote them" then the documents would have been stricken and she would have been out of luck. Also anyone who wrote the documents for her would have been facing a year in jail and a stiff fine, although I'm not sure how often the Bar Assoc. pushes for jail time, I know they push for heavy fines all the time. It sucks, I know.
  3. I received a letter from Midland (Funding/Credit Management) that is confusing me. Here is the body of the letter: *Can anyone tell me what this is about? *Are they attempting to comply with Florida's Notification of Assignment statute? *Why the comment that "this is not an attempt to collect a debt"? *Aren't they obviously attempting to collect a debt? *Isn't this letter a 'communication in connection with debt collection'? *Should their letter have included a 1692g notice? *What should my response be? Thanks!
  4. In Florida an out of state (non-resident) plaintiff must file a $100 bond with the court. The defendant must notify the plaintiff of their failure to comply, after 20 more days of non-compliance the defendant can motion to dismiss the case for the plaintiff's failure. sample notice and motion here: http://www.foreclosureprose.com/pleadings/
  5. I too am interested in the outcome of this case. I hope it works out for the best.
  6. I disagree, in my experience, the Hearing Officer (fake judge) did not allow the spouse to speak at the hearing, or even to be present during mediation.
  7. this is all I've found so far... So from reading these, it doesn't look like I'll be able to get credit reports entered as evidence... so how do I prove what the JDB place on my credit reports?????
  8. How would one go about getting Credit Reports entered into evidence in a counterclaim against a JDB? Does the hearsay rule apply to Credit Reports? Does one need to subpoena a CRA employee to testify as to authenticity? Can the CR be submitted Redacted except for the pertinent parts? Thanks
  9. the 5th Amendment is available in Civil actions, but only against self incrimination for criminal acts, and there can be consequences. See www.nldhlaw.com/CM/Articles/RTH%20JKF%20Article.pdf
  10. I think they may have changed this policy, see my post AAA will accept cases when Consumer agrees to arbitration which indicates that if you ELECT arbitration, the JDB/OC can initiate and AAA will accept the case.
  11. So, does anyone have any input as far as what a motion to intervene would look like? I don't mean the caption, I mean what would make sense as far as a legal argument that the judge could agree with to grant the motion? Thanks
  12. 10 things found in a Courtroom 1. Judge 2. Attorney 3. Liars 4. Defendant (HeeHee @ #3) 5. Eleven or more angry men 6. Podium 7. 8. 9. 10. glad I could make someone chuckle
  13. I like the idea. Just don't let my wife find out about them
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