Let's face it -- medical care in this country often comes with an astronomical cost. Even people who have good health insurance might get crippling bills after seeking care. For people who don't have insurance, the cost is even more staggering. In all of these cases, you should learn about what options you have for taking care of the bills.
One thing to remember is that you do have the right to question the bill. You can ask for an itemized bill for your care. This will detail what each penny is for in the bill. As you look over this bill, you should make sure that there aren't any errant charges in it. You might be shocked at how much you were overbilled.
Another thing to remember is that these companies want to get the money that is due them. They are often willing to do this in any way they can. This might mean accepting small monthly payments from you; however, remember that these installment plans will come with interest.
We understand that even making monthly payments might not be possible if you have bills coming from several offices. In these cases, you might need to seek out other options. One of the options that you have is to file for bankruptcy protection. This might not seem like the ideal solution for you, but it could help you get back on your feet and take control of your finances.
You shouldn't think of bankruptcy as an easy way out. This process is highly regulated. The goal of your case is to help you learn responsible ways to regain control of your money.
Medical debt is one type of debt that can instantly be overwhelming. Whether it's a single blood test or a major surgery, the costs have a potential to be high. When surgeries can cost thousands of dollars and blood tests range in the hundreds, it's no wonder that a single visit to a hospital emergency room puts so many people in debt.
The good thing about medical debt is that there are many ways to handle it. By focusing on the bills you receive and working out a plan of attack, you can reduce what you owe and prevent medical debt from taking over your finances.
To start with, remember that all medical bills have to be reviewed. Make sure all the charges are for things you actually received. It's not unusual to see a double charge, so you must verify that you weren't charged twice for the same things. If you do find a discrepancy, reach out to the provider to have the bill updated.
Another thing you need to do is to make sure you make a payment, even if it's small. Most medical establishments won't send your accounts to collections as long as they're receiving payments. Call to verify that you can set up a payment plan. If you can't, at least make a small payment until you can decide on another way to handle the debt.
Medical bills are usually negotiable, which is one good reason to work with your attorney if you find yourself struggling. Attorneys work with hospitals and doctors' offices regularly and may know the best ways to help you negotiate down your bill to something you can afford.
Facing drug charges requires you to think about the type of defense you are going to use. This isn't always an easy decision to make because there are a lot of variables. One of the things that you need to think about is what type of charge you are facing.
A drug possession case is one that has some fairly common defense points. These start with the events leading up to the arrest and go through the trial process. Here are some that might apply to your case:
Before the arrest
You can evaluate whether the police officer had a reason to search you and seize the drugs. This can have a big impact on the case because there is a chance that the search was illegal. If the search wasn't a legal one, then them collecting the drugs as evidence in the case wasn't legal either.
During the search and arrest
Where were the drugs found? Were they on your person or were they in an area where other people could have had access to them? These questions might lead to you being able to show that the drugs were someone else's. This might introduce doubt into the mind of a juror.
After the arrest
Were the drugs collected and processed in the correct manner? Are the drugs available in court? Any issues with these aspects of the case might result in the case being dismissed so consider them carefully.
As you consider your defense options, remember that there are many options that you might have for coming up with a strategy. Think about your case and not what worked in another case that was kind of like your case.
Contrary to popular belief, filing for bankruptcy isn't an easy way to get out of debt. Instead, it is often an agonizing decision that is made only after all of the other options have been exhausted. For people who are facing the possibility of needing to file for this financial protection, there is usually a back and forth about whether to actually file or not.
We realize that you might not want to have to go over all of your financial matters with strangers. What you need to think about here is that you are making a trade off. You are acknowledging that you can't handle the money matters in your life right now and are asking that the court step in to help.
Bankruptcy isn't a file-and-done deal. Instead, there are education programs that you have to complete before the bankruptcy can be discharged. This gives you a chance to see where you can improve your financial health in the future.
When you decide to file for bankruptcy, we can help you get everything in order. Once you do this, you will have the protection of an automatic stay, which prevents creditors from trying to collect money. This might give you peace of mind.
You can use this time to reevaluate where you want to be financially. Set your budget and make lifestyle changes that will help you to stay on top of your finances from here on out. Make sure that you are considering all the ways that bankruptcy will impact your life before you make any decisions during the process.
As someone struggling with debt, you know that you need to find a way out. You've considered filing for bankruptcy, but you're not sure if it's the right option for you. Before you make a decision, take some time to learn more about credit cards.
If your debts stem from credit card use, you're not alone. Consumer credit has been a major part of American households for generations. Even in the early days of the country, Americans would take out lines of credit with local grocers so they could get food when a harvest wasn't yet ready.
Despite the simplicity of the old days, credit today has many complications. Interest rates, annual fees and other penalty fees could complicate how much you owe. If you fall behind on payments, your interest rate could rise. You could quickly find yourself in more debt than you ever imagined.
The first credit card had a default rate of around 22 percent. Yes, that means that close to a fourth of Americans didn't repay their debts. The next round of credit didn't come with the same mistakes and had a collections department to back it up.
Since then, credit has been a staple in the American economy, helping people buy things they can't afford outright. Unfortunately, despite a booming economy in the past, the recession in Dec. 2007 struck hard.
People couldn't pay their bills, and many still struggle to do so today. The economy is improving, but if you're still struggling, bankruptcy could be an option to help you get back on your feet. It wipes out credit debt or gives you a chance to pay it off, getting you back on track.
Many different types of drug charges exist, but there are some of them that aren't thought of often. One of these is drug paraphernalia charges. A person can face this charge even if there aren't any drugs found in his or her possession.
There are many items that could be used for legitimate purposes or illegal purposes. In these cases, the context in which the items are found would be the factor that determines how they are classified. Looking at the circumstances that are being cited might help you to determine how you are going to handle your defense.
Some of the items that aren't always considered drug paraphernalia include digital scales, which could be used to measure out cooking ingredients, and steel wool pads, which can be used for cleaning. If the scale was found on the kitchen counter with onions on it, it likely wouldn't be considered drug paraphernalia but that wouldn't be the case if it was on the living room table near small baggies that are used to bag up drugs. Steel wool pads on the kitchen sink aren't usually an issue but there would probably be a problem if they were found in a woman's purse with a pipette used to do drugs.
If you are facing drug paraphernalia charges, you need to think carefully about the case against you. There is a chance that you might be able to call your intended use of these items into the case, but make sure you are only doing this if it will help your case. In some instances, such as is if you have an item classified as paraphernalia by law, such as roach clips, the intent won't matter.
Crushing credit card debt can keep you up at night and force you to skip out on doing certain activities. For some people, the issues with credit card debt creep up slowly. Charging purchases seems like a good option at the time but then you get the bill in and realize that you bit off more than you can chew. In other cases, a sudden problem, such as the loss of a job, causes you to be unable to make the payments.
Regardless of how you ended up with tremendous credit card debt, you do have options for getting out of debt. You should think carefully about what you are going to do here. You might decide that trying to pay a little more than the minimum payment each month is necessary but you may be struggling to make the payments.
Filing bankruptcy is one of the options that you have that can do away with credit card debt. Some people feel ashamed to even consider this option, but there isn't anything shameful about taking this step. Filing for bankruptcy is a sound financial decision when you know that you can't get out of debt on your own.
We understand that you need to think carefully about the ways that this decision will impact your life. We can help you to review the process and learn which type of bankruptcy is appropriate for your needs. The more information you have, the more comfortable you might feel with the decision that you make. We are here to help you come up with a plan to fresh financial start.
You have credit card debt, and much like others in your situation, it's a growing concern. You know that having debt isn't good, and you want to pay it off. It's a substantial amount, though, and you're not sure you can get ahead on your payments.
The good news is that there are options for getting rid of your debts. They include settling your debt, going through bankruptcy or consolidating your debt. In the case of settlements, there are a few things to keep in mind before you agree to do so.
Settlements aren't guaranteed
If you call a credit company wanting to settle, you'll need to show why you have to. Lenders won't settle for just any reason. It's pertinent that you show you're in a difficult spot financially.
You shouldn't usually pay to settle your debts
When you contact a debt-settlement company, you might end up paying back more than if you'd settled on your own. Remember, you can negotiate directly with your lenders. If you don't want to negotiate directly, consider allowing your attorney to do so. You'll know exactly what your attorney's fees are, so you're not blindsided by fees, restrictions or other losses as a result of working with a less-than-straightforward debt-settlement company.
Debt settlement still hurts your credit
Yes, debt settlement still hurts credit scores. If you settle your debt for less than you owe, the company may mark that the debt was settled but not in full. This could impact your credit score negatively.
Your attorney can speak with you about other options than settlement if you want to protect your credit. Whether you want to consolidate or need a bankruptcy, there's help for you.
When you have to seek medical care, you might not automatically think about the financial aspects of getting that help. When the bills start rolling in, you might find that the amount you have to pay is overwhelming. If you are unable to pay it all right away, you might soon be confronted by medical debt collectors.
One thing that you might notice is that you are offered multiple ways to get the debt paid off. This isn't done accidentally. People who owe medical debts have reported that they are more likely to try to get the bills paid off if they have multiple ways to consider paying the bill. If you aren't offered ways to pay, you might consider asking the person who contacts you what kinds of options you might have.
Another thing to know is that consolidated billing is a way that debt collectors might try to help you. If this is used in your case, find out what it means for you. Some places might offer discounts for consolidated billing. This could mean that you can pay the debt off faster than if you tried to pay everything individually.
You also need to know is that you have the right to know exactly what you are paying for. Remember that hospitals and doctors often bill out separately, so determine what your payments are going toward.
If you find that you can't pay these bills despite payment options and payment plans that are offered, you might need to consider filing for bankruptcy. This can help you get financial relief and might help you get a fresh start.
Many people will head out to parties this weekend. Many of these parties will have adult beverages offered. If you plan to partake in spirits or beer, make sure that you have a way to get home afterwards. If you don't have plans or if your ride didn't work out as intended, you might decide that you need to drive yourself home. This shouldn't happen at all, but if it does you need to make sure that there isn't any other option for you to get home.
There is a fairly good chance that you will end up in jail if you try to drive home drunk. This is because police officers around the county and state are going to be out actively watching for drunk drivers.
If you do get pulled over on your way home, make sure that you take a moment to compose yourself. You need to be able to think about what your rights are and the appropriate ways to assert those rights. You don't need to do anything that will result in you having to deal with more than just a basic drunk driving charge.
We realize that you probably never thought that you would be in this position. We understand that and will help you to work through the case to determine what options you have. We want to make sure that your rights are respected and that you understand what is going on.
While we are working with you, it is important that you make the decisions about what you want to happen. You are the one who is in charge here. We are only here to help you execute your defense and help you plan.
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