Very sad times

[Shari]

<hugs>

 

[Watcheye]

I was poking around the sale board just yesterday and just about choked when I saw the add. I could not believe it and I felt terrible. I am so sorry. This is terrible. Your horses are just lovely. I know they are family. I am glad you have good friends helping you out.

Sending good thougths your way....

 

[TinyMiteVillage]

We filed bankruptcy a couple of years ago due to me losing my job. But I was able to keep my horses. Not sure how we did it other then we only had a few minis and our riding horses. Good luck. I will say a prayer for ya'll

 

[h2t99]

Ask the lawyer about you turning in paperwork 2 days earlier, did you write a check? When we had a fire several years ago and we had changed the insurance policy, they tried to not cover it but after going to court since the check and papers were signed they had to cover the costs!! So it is definately worth looking into!! I also had a friend that worked with the hospitals and insurance companies and they cannot do anything if you are paying something every month, but you have to be tuff with them, if they think they can bully you they will!! So stick to your guns and see what happens!!

Good Luck!!

 

[wcr]

Terry was able to add me to his insurance from work but it wouldn't take effect until Sept.1 and I had my heart attack Aug 13.

Thank you for all the advise and well wishes. My forum family has always been a source of support and good information and as they say, information gives you power. Not only what I have been getting on this board but many people have emailed and pm'd me. I thank you all for your info, support and well wishes. To anyone who has ever had hard times and posted on this board knows, it means so much at a time when you really need it.

 

[mydaddysjag]

Wishing you another good day. You know every GOOD day you have is going to make you feel a little better.

 

[Magic]

Kathi, I am SO very sorry for your troubles.

I have no advice to give, but offer good thoughts and prayers that things will turn out for you.

 

[CKC]

I'm so sorry you are going through all of this. I don't have the exact same problems, but I can share in your pain as my family is going through pains of our own right now. I will keep you in my prayers.

As for the hospital I'm really glad my hospital didn't tell me I had three months for our bills. They told me what the minimum(and it was a very small amount) was that I could pay each month and I did. I can't imagine them telling me I only had three months to pay. My son was having emergency room visits for pneumonia.... each time I finally got a bill paid off we would get another one. It took me a while to take care of them.

A friend of mine's daughter was born premature and had to be airlifted to another hospital. I can't imagine them telling her she had to pay the co pay she had left after the birth and the airlifting. She was paying those bills for many many years.

They just worked out a payment plan for her that she was able to afford. I sure wish your hospital would do the same.

Kim

 

[SaddleTrail]

We are going through the same thing. 11 years ago we had to file for bankruptcy due to my son. Since then we have fought hard to keep our heads above water. After the bankruptcy, we had to pay back child support to Calif for his 35 year old sons because of their mother raising them on welfare. She didnt have to pay anything back, we did. Took us almost 8 years but it is paid off. Then they attached his wages for unemployment benefits, we paid all that back. Now, last June 12, I had to rush him to the hospital, I carried him to the truck and got him there.

He is now 100% disabled, unable to work. So after filing for every benefit we could we are now receiving 900.00 a month. That is down from wages of 4 to 5 thousand a month down to 900 a month. We just started getting that 2 months ago.

You can make it, I know you can. IT is hard. You scream cry beg and plain just want to give up at times. But don't, you have all of us here on the forums, you have your self, you have your love. You have your self respect. You will get better, you will make it and you will survive.

 

[wcr]

SaddleTrail you are absolutely right, I do have all those things. But isn't it a sad state of affairs for our country that as hard as we try to do the right thing, and as bad as our economy is, that people have their backs to the wall with few options.

 

[hunterridgefarm]

Just a thought for what my 2 cents are worth. What happens if you don't pay the Hospital and don't file bankruptcy . Here in Sc they will take your state income tax refund for your hospital bills. Back in 2006 i almost died and was in the hospital for a week and i did not have 20,000 just laying around for this. they would not take payments either and i did tell them that i just don't have that kind on money just laying there. I did ask them what can they do to me and they did tell me that they could take my refund from me i did tell them Ok just do that. Like mydaddysjag said in 8 years it will come off of you. Just keep a close eye on your credit and check ever 6 months and if something is not right report it to them and if they dont resopned with 30 days to you reporting it then it has to come off.

I would go this way first. Hospitals has to take what you can give to them, even if it is $10.00 a month and they can not do anything to you. we do now this first hand..... because i had to do it and some of my husband family has done it too.

as i said this is just my 2 cents

diane

 

[tnovak]

I don't know about this for sure, but I've always heard that if you pay something each month to a hospital, medical bill, etc., they cannot take legal action against you. Check this out with an attorney, because I have heard that as little as $10.00 per month can keep you "safe". It would probably not keep them from harrassing you by phone and etc., but it could stop them from legal action. I sure hope it could help you!

Might be less than that.......as long as you're making an attempt to pay, even as low as $1.00 a month (I've heard) they can't take legal action against you. Your plate sure is full.......maybe as mentioned earlier in this thread, you could "loan" out the horses in the intention of getting them back when the cloud is lifted..

Also, if you plead your case, some hospitals will take a charity case and wipe the slate clean. Don't know who or how to check into that, maybe Social Services at the hospital?

Wish I was closer, I would house a few of your horses til you're back on your feet and kicking butt!

 

[SaddleTrail]

SaddleTrail you are absolutely right, I do have all those things. But isn't it a sad state of affairs for our country that as hard as we try to do the right thing, and as bad as our economy is, that people have their backs to the wall with few options.

Yes, it is horrible. I don't know how to change it s much as I wish I could.

I think everyone should have medical coverage and it should come from the government. My husband had insurance from his company, the minute they found out, they cut him off and it is legal to do.

So again at the ages of 61 and 53, we are back were we were at in our 20's.

I am a strong woman, and I know I will always make it, no matter what. As long as I have my hubby in my life, life is worth ll that I can gain and learn from it~S~

 

[Elsa]

I don't know about this for sure, but I've always heard that if you pay something each month to a hospital, medical bill, etc., they cannot take legal action against you. Check this out with an attorney, because I have heard that as little as $10.00 per month can keep you "safe". It would probably not keep them from harrassing you by phone and etc., but it could stop them from legal action. I sure hope it could help you!

Might be less than that.......as long as you're making an attempt to pay, even as low as $1.00 a month (I've heard) they can't take legal action against you.

Incorrect. The hospital has a policy that says you have to pay in full within a certain time (here it is 90 days). This time should be stated on the bill. Your other option is to set up a payment plan with a 3rd party that pays off your hospital bill. If your bill is not paid in full to the hospital and you have not contacted a 3rd party, the hospital can and will send you to collections.

 

[Bess Kelly]

SaddleTrail you are absolutely right, I do have all those things. But isn't it a sad state of affairs for our country that as hard as we try to do the right thing, and as bad as our economy is, that people have their backs to the wall with few options.

I think it is EXTREMELY sad. With health care costs and the $$ our country spends in other nations that they could set up a "fund" for those who MUST HAVE attention or die.....especially when those people are willing to repay

In many states ERs cannot turn you away for life threatening attention, regardless of payment.

So, if the WORST they can do is get a lien on you, consider that and then pay them like you have offered. So you have a blemish on your credit -- the MOST bankrupties are for medicals. What does that tell you? Ask the attorney if they have an arbitrator.

Can you do Chapter 11? That allows you to "re-org" and pay them on terms, keeping all or most of your property. Hey, you do make money from some of them.....they want to take your livelyhood?

OK, not sole support, I know but -- can you play on that? That and Ch11 may buy time for you.

I am so sorry for your situation as I know it can cause such stress. Sue them for the next attack.

 

[Elsa]

I think it is EXTREMELY sad. With health care costs and the $$ our country spends in other nations that they could set up a "fund" for those who MUST HAVE attention or die.....especially when those people are willing to repay

In many states ERs cannot turn you away for life threatening attention, regardless of payment.

We put too much value on expensive tests and specialist care. Those two components are the major increase in healthcare costs. Despite the recession, healthcare spending is projected to increase 5% while GDP is shrinking.

And don't count on Obama to fix this problem. Unless he has other ideas than the ones he has already presented, our healthcare system is bound to get worse, not better.