bluelife Posted May 21, 2013 Report Share Posted May 21, 2013 I recently got a bill for 2K in ER bills couple months ago, and I JUST received almost $20K in ER for another stay from earlier this month. I plan on talking to patient resources tomorrow, but I want to know all my options and best way to proceed. I definitely do not plan on doing this anymore and am kicking myself for not having health insurance as it would have been much easier to just take care of it that way. Now, whats done is done, i definitely will be more careful. Is this worth declaring BK for? I have been unemployed last two years, and recently got a job. I do not want my employer to find out, I am on a 1099 and create my own business and leads through sales and am just starting to get some traction so i know i can do a good job. However I am already in debt and paying off credit card debt from college, and do not know what to do. any advice would be helpful (btw, I think this is the right forum to be posting on?) Link to comment Share on other sites More sharing options...
shellieh98 Posted May 21, 2013 Report Share Posted May 21, 2013 Debt over 20 k, and job is commission, fairly just starting out? I would seriously consider it, but I guess it would depend on your goals for the future. Bk will stay with you for at least 10 years, but after 2 you can usually get credit. Personal decision, write all your pros on one side, all the cons on the other, sometimes that will help when you make a decision. Link to comment Share on other sites More sharing options...
bluelife Posted May 21, 2013 Author Report Share Posted May 21, 2013 Debt over 20 k, and job is commission, fairly just starting out? I would seriously consider it, but I guess it would depend on your goals for the future. Bk will stay with you for at least 10 years, but after 2 you can usually get credit. Personal decision, write all your pros on one side, all the cons on the other, sometimes that will help when you make a decision.Thanks for your response shellieh98! I will find out tomorrow after speaking with the patient resources at the hospital tomorrow what kind of payment plan i can get on and any other options i have. Will a bk be known to all employers or is it held confidential? Link to comment Share on other sites More sharing options...
bingo Posted May 21, 2013 Report Share Posted May 21, 2013 BK is a public record and if anyone wants to know, they can find it. Unless a security clearence is involved or, your required to be bonded I doubt bit'll have any affect on your employment. If your just getting up off the mat and have a basic safety net in place, this may well be the ideal time to file bk on the mediclal debt, cc's and any other unsecured debt. 1 Link to comment Share on other sites More sharing options...
Guest usctrojanalum Posted May 21, 2013 Report Share Posted May 21, 2013 Call and ask them about applying for charity care, being unemployed for 2 years I'd think you would qualify for a significant amount of the bill being written off. Link to comment Share on other sites More sharing options...
bluelife Posted May 22, 2013 Author Report Share Posted May 22, 2013 BK is a public record and if anyone wants to know, they can find it.Unless a security clearence is involved or, your required to be bonded I doubt bit'll have any affect on your employment.If your just getting up off the mat and have a basic safety net in place, this may well be the ideal time to file bk on the mediclal debt, cc's and any other unsecured debt.Oh, yes, that little "pickle" I definitely want to give this some thought and let it marinate a bit in my mind. Thank you for your thoughts Call and ask them about applying for charity care, being unemployed for 2 years I'd think you would qualify for a significant amount of the bill being written off.I will certainly exhaust all avenues in working with the hospital and any additional care I can get. I appreciate your response, I had gone through some family crisis and other drama, but I am solid and back in action so even though I was quite shocked and uneasy when i first received this information I am confident I will bounce back. There will definitely be some challenges, but I am not gonna let a few dollars, or 20 thousand of them for that matter deter me! Link to comment Share on other sites More sharing options...
bluelife Posted June 16, 2013 Author Report Share Posted June 16, 2013 So the fire dept sent me a little letter regarding the emergency services also, guess thats a total now of almost $22K Ill have to call tomorrow and see if the fire dept will work with me like the hospital was able to. Link to comment Share on other sites More sharing options...
admin Posted June 24, 2013 Report Share Posted June 24, 2013 So the fire dept sent me a little letter regarding the emergency services also, guess thats a total now of almost $22K @bluelife - Wild! Link to comment Share on other sites More sharing options...
WilliamBretton Posted August 6, 2013 Report Share Posted August 6, 2013 You can usually call them directly and negotiate the bill. Believe me, they get these kinds of inquiries all the time. Link to comment Share on other sites More sharing options...
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