Don't have the money this month.
All of my bills are medical because I have no insurance. I only go to the doctor if it is extremely urgent. I am up to my eyeballs in medical debt. Do these people have any compassion??
2006-11-21 01:17:01 · 10 answers · asked by rottymom02 5 in Society & Culture ➔ Etiquette
Let me help you with this. I was once in your shoes. Take your paystub & a copy of monthly bills to the hospital billing office. Meet with a billing supervisor. Show them your financial statis. Tell them you are trying to pay them as fast as you can. They can help you with a payment schedule. If they get obnoxius or refuse to help. Go to an attorney & file medical bankruptcy. The hospital will usually try to help you rather than loose everything you owe them in bankruptcy procedings. Cheer up it's always darkest before dawn. Good Luck!
2006-11-21 01:51:19 · answer #1 · answered by oilfieldinsultant 3 · 1⤊ 0⤋
I understand you completely...I too have no medical insurance and am in a lot of debt. However, do not fret, they cannot take you to prison or anything! It does negatively affect your credit report, but, again don't fret. If you ever need a car or house via credit, YOU CAN GET FINANCED...you simply have to save money down! I do not think those bill collectors have any compassion....they are simply doing their jobs. What I've found that works is just be kind to them, regardless of how they treat you and explain your situation....they cannot take legal action against you and if you don't have the money....you don't have the money....what can they do? Keep your head up, it will all get better.
2006-11-21 01:27:35 · answer #2 · answered by Mrs. Jackson 3 · 0⤊ 0⤋
My wife had to be out of work for a while, after her mom died. We had a mortgage company called Green Tree. They were very mean, hateful, uneducated people. We were staying about 1 or 2 months behind on our payment. They would call 10 plus times a day, starting very early in the morning. They would threaten fore closer and tell you that they were going to send the sheriff to the house to kick us out.These calls would make me so mad that I punched a hole in my wall! Around about the same time that I was looking into purchasing a sniper riffle, and a one way plane ticket to there establishment up north, I had a bright idea!
Why not call the phone company, and have the number changed to an unlisted number! This was a one time fee of about 20 bucks, and a couple of dollars for the "unlisted" number! A small price to pay, to keep me from going to jail the rest of my days! Needless to say, they never called again. I also managed to keep some other people from calling that I really didn't want to speak to anyway. Wife is working and all is fine. I have an unlisted number now, and very happy!!! You don't have to convince the collectors of anything. Just change your number and have peace of mind, that they get an "out of order message" when they call your phone!!!
2006-11-21 01:36:37 · answer #3 · answered by Anonymous · 1⤊ 0⤋
i always tell them listen, I will give you 5 bucks a month until I have more money. They say they won't accept that then I ask them to send me something in writing saying that they have declined my offer to pay off my debt. I have never gotten a letter from them and they generally leave me alone, if that doesn't work when they call and i don't know who it is but suspect its a bill collector i tell them I am not home.
2006-11-21 01:31:03 · answer #4 · answered by ? 6 · 0⤊ 0⤋
you better start paying something. my mom got behind in her bills and when she got stung by a wasp and had a reaction the docs wouldn't see her. they told her to go to the emergency room.
so if you get sick enough to see your doc but not sick enough for the emergency room you might get stuck being miserable for days on end till you end up in emergency anyway.
even if you pay five dollars a week or month it's something. as long as you pay something regularly and make sure you talk to the bill collectors and work out some kind of deal then they will get off your back.
good luck.
2006-11-21 01:35:49 · answer #5 · answered by Anonymous · 1⤊ 0⤋
You don't have to answer them...you can tell you don't have no money...and you will contact them or the company you owe when you do..hang up..don't pickup when they call...they have a certain amount of time to collect that debt..before they have to turn back in....their threats are all BS..any good Lawyer will tell you
2006-11-21 01:28:28 · answer #6 · answered by babo1dm 6 · 0⤊ 0⤋
I replied the telephone at my grandmother's and it exchange right into a bill collector. the girl exchange into surprisingly hateful. I informed her my grandmother exchange into sick and ought to not answer the telephone and the girl went ballistic. She suggested she exchange into turning the account over to the fraud branch and that i could be listening to from the police day after in the present day. It scared me to dying. We by no skill heard from the police branch and this passed off various years in the past.
2016-10-22 11:43:30 · answer #7 · answered by ? 4 · 0⤊ 0⤋
Most of them only get paid by how much money they collect... And I think this type of job attracts a different type of people.
You have the right to request they not contact you by phone ever again and by law they have to stick to it. Tell them you want to correspond through MAIL only.
2006-11-21 03:16:38 · answer #8 · answered by Wicked Good 6 · 1⤊ 0⤋
i always tell them the truth,"you will get your money when i give it to you".it always seems to shut them up,i guess theyre not used to people being honest with them.if they start giving you a hard time say "ok ill lie to you then,the checks in the mail"or you could just screen your calls
2006-11-21 01:25:01 · answer #9 · answered by Mr Rockmore 2 · 0⤊ 0⤋
Legally if you tell them not to call or bother you anymore they must stop. If they dont report them to the FCC or sue them in small claims court.
2006-11-21 01:36:50 · answer #10 · answered by Anonymous · 0⤊ 0⤋