I can't do bankruptcy as I own some property with people (my only asset) and I don't - sm
Posted By: Me too. on 2006-03-01
In Reply to: Working my butt off too - Indebt
want to have to sell that or even have them know my problems. I know my meager Roth IRA and car would be safe, and I have no assets to speak of and really don't want to sell all my belongings though it would neaten up the house some (not my house). But as I said 3-5 more years tops and it will be gone then I will be doing quite well as long as no more disasters strike in the meantime. Feel like all I do is work but it will be worth it in the long run and I just don't want to deal with bankruptcy. I had a friend do it and she has done well. Has since bought a new home (had a $25K settlement from a car accident after her bankruptcy) and is doing okay, scraping by but managing. Has bought several cars (used) after the bankruptcy, had a killer interest rate though, that is where they get you. You have very high interest on any loans for a while until you can prove yourself. Do what you need to do for yourself.
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Do you have property you can sell or
borrow against? A house you can take an equity loan on??
Bless your heart. I feel for you.
What??? Not if she has company property! lol
..
selling real property
I, too, am a real estate broker and agree with you 100%. Selling real property is not like selling an automobile or a piece of furniture. There's a lot of legalities when selling real property.
ocean front property in Arizona, too??
are ya a little bit country - haha -- gotta love George Strait!! i'm with ya all the way on those proposals!!
With all the hoopla about intellectual property these days, (sm)
I'm surprised he even has the gall to ask. Macros are something we devise to help us do our jobs. They're yours alone to use while doing his account, and at such time that your professional relationship with him should end, then the macros should be destroyed (or used for your NEXT account.)
START paying property taxes?!?!? Honey I HAVE BEEN all since I got this place!!!
"If you want to be treated like everyone else, then pay taxes like everyone else"
Well thanks for ASSUMING that you knew that I didn't pay taxes. Every single person in this place that I live (300+) pay taxes. We don't own land so we don't pay taxes on that. We pay it on the home. Then our rent payments for our itty bitty pieces of land helps pay the propery taxes for the site.
In Michigan they don't? Seems hard to believe they would do that. If they don't pay it on the home then I would think they would paying it on the land or if they are in a park I would think that the park OWNER would pay the property takes for the large site.
The MTStars FlashType software is the express property of Sh*ri St*adman and is not
The software build was contracted out to Zeshan Ahmed and purchased outright. Sh*ri St*adman has the proof of payment made as well as for the MTStars FlashCount and Spellchecker. Sh*ri sells the software on the ***.com website as it rightfully belongs to her.
MQ-Bankruptcy
I don't think that you would have to worry about MQ going the bankruptcy route but I would think that they would be bought out by someone else. I don't know what numbers that other person is looking at and giving such a rosey picture about MQ but all you have to do is read the latest SEC filing report that MQ put out on Aug 19th . Due to their problems with the SEC, all financial manners need to be made public so this info is out there for anyone to see. They clearly stated that they expected their revenue to continue to decline and it also states the millions that are being spent on lawyers for the 6 lawsuits and the amount of money spent on buy out contracts for the higher ups, the amount is unbelievable and keep in mind that as far as I know, now of the lawsuits are settled so the lawyer fees will continue rising. Go to Yahoo stocks, put in Medquist and you can read all this yourself. I think their stock is under MEDQ. If anything they are setting themselves up to be bought out by someone else. Anyone else have any thoughts on this???
Bankruptcy or not??
I am deeply in debt after the birth of my son with a pending law suit. Have any of you declared bankruptcy to later regret it. Right now it looks like a good option but I am not quite sure I am ready to give up quite yet. Any options or advice would be appreciated.
Thanks
Bankruptcy
We just filed bankruptcy last year, chpt 13. The only regret I have is that I put myself in the situation of being in trouble. We were about to be sued also, but a company that we were actually making payments to and I was in contact with them every week. I previously did collections, so knew communication was key, or so I thought. I do not regret filing it, as it is a lot less, a whole lot less stressful since we filed. I just have guilt about being in that situation. I think you have to realize that the relief of the stress of a bad financial situation can be very good. My husband and I were on the edge of a cliff called divorce, my kids were suffering the "bad moods" that all the financial stress put us in, and then I had surgery so our payments to everyone had to go down during my 6 week recovery and that is when they got nasty. Bankruptcy helped to save my marriage, and gave me peace to be able to spend more quality time with my kids too. No regrets about filing! I would do it again in a heartbeat to reap the peace that came from it. Believe me the peace far outweighs the guilt I feel for being in a bad situation. I hope this helps. Financial stress is the worst!! Just to add, if you do decide to file, just remember the important thing is to learn from the experience. I have a friend who has filed 3 times and has not learned a thing:(
Bankruptcy
Bankruptcy is never a good option. Not only does it stain your credit, it is not honorable.
bankruptcy (sm)
I'm becoming overwhelmed in debt. I have taken a pay cut at my job, am in school for a new trade, and have been using my credit cards to pay bills, on top of usual cost of living and upside down on car loan, and student loans are looming. I feel like i'm going to be swallowed up, i'm a single income. I have a panicky feeling about this, i'm around 35K in debt, and this year i'm going to make around 30K (if that). How hard is it to file? What do I need? Any personal stories? Is it easy? I need relief from this Any advice welcome!
Bankruptcy
Both my daughters had problems and went through Consumer Credit Counseling Service--not one of the so-called credit agencies floating around that aren't legal, the CCCS is pretty good. Also, in Ohio, where I live, don't know if this is everywhere or not, before you file you have to attend a counseling session to see if you are even eligible!! And then perhaps go through the court system to try to pay off debt in three or four years instead of a complete bankruptcy. My grandson is going through this now. I personally have not ever filed but do feel empathy for anyone in your position. Perhaps you have a relative or friend who could help temporarily?
Bankruptcy. sm
Contact your credit card companies and try to work out a lower interest rate. Tell them (honestly) that you are on the verge of filing. A friend of mine did this and rates were lowered considerably.
bankruptcy
any suggestion what to do then?
bankruptcy
I will do that now. All communication has been through e-mail. I have the bounced check of $8196 with me.
When she sent two checks last time, she said someone at courier company must have tore the envelope and took out one check and insisted that she sent two checks only. I received only one.
Not only this, she is an expert in fooling and now it seems I am an expert in getting fooled!
Anyone more updates on MQ bankruptcy?
 When I read that note on this board a week or two ago, it got me really worried. I'm working really hard right now training on a new MQ account, and the thought of losing my job in the near future makes me want to cry. Any feedback out there? Does anyone know what's going on?
CH 13 bankruptcy & tax refund? anyone know? sm
Do you get back ANY of your tax refund? Who asks how much you got? and then what?
Bankruptcy vs counseling
I went through an ugly, expensive divorce - after 22+ years. He had the girlfriend but he wanted me to loose everything and fought through several attorneys. I tried the counseling -- finally went through Christian counseling as their fees were the lowest and they seemed the most honest -- but after everything and to keep my house did file Chapter 13. I feel better doing the Chapter 13 as at least I am paying back something to everyone and did not leave them all hanging. Am paying back 25 cents on the dollar to credit cards. Just be careful should they offer you to cut down the balance if you will "pay in full" as what is not paid will be considered "income" and you have to pay income tax on it. I still do not feel good with doing the Chapter 13 and don't understand how a lot of people can do this several times as I saw in court when I went there. It is not easy to walk away from the debts that you made and truly owe but there are some circumstances that make it necessary. I for one am glad of the new laws as I don't think it is truly unfair to make people make an attempt to pay back what they owe, at least partial. Some of the counseling groups I talked with -- the ones with the best reputations-- were going to charge anywhere from $100 to $150 to handle my money and I could be putting that on a payment to a credit card and so Iooked long and hard. You can also negotiate directly with your credit cards but they put a "stop use" on them and you cannot be late with one payment. But make an attempt and you will feel better about yourself. Just my thoughts and experience. Patti
Bankruptcy, after the fact...
I would do everything you could, credit counseling, combine debt, anything but file for BK. It is so hard after that if you ever need anything that depends on your credit. Most things you CAN get, but at outrageous percentage rates. Some things you won't even be considered for. Right after I filed I had to take my dog to the vet and she needed surgery that cost about $2000. They give credit to people... with good credit. I had to borrow money from my dad on that one. I don't know what would have happened if he wasn't there for me. Then my A/C broke down... again, no credit. I was struggling to make my credit card payments, but I knew I could keep paying them down until a family member told me how easy it was to file BK, so I did. I still regret it.
He files for bankruptcy -- that's how
I have heard that he filed for bankruptcy a couple of times-- therefore not forced to pay the IC people. However, enough of this crap has continued on and Toth should be shut down!
Bankruptcy - it won't happen -- don't worry!!
MQ is strong, improving, and moving forward in a confident way. Look -- i've been through the worry-mill over this, plenty enough for both of us -- did some figuring, consulted some business people -- took on a second job awhile -- and finally came to the conclusion, all is well and there was no need to worry about things that would likely never take place. Believe me, if there was good reason to jump ship, i'd have been long gone. Relax, you'll do a better job and be happier. Its going to be fine, and i'm not a better, but i'd bet the farm on that (literally).
This is the worst thing you can do, next to bankruptcy...
Any accounts included in a consumer credit counseling plan will show as "closed by creditor" on your credit report and will really pull down your FICO score. Also, CC companies normally will not lower your interest rate unless you are at least 90 days delinquent. They will then because at 90 days you are close to a charge-off. If you go 90 days delinquent, of course you have just damaged your credit.
Occasionally, people with a top credit rating can negotiate a lower rate, but only if they have a relatively small balance and threaten to close the account.
It all started with a discussion about bankruptcy or something like that.
With this new board format, the name and email automatically get carried over to your next posts. Honestly, it doesn't matter to me what name someone uses. Sometimes you have to let people on these boards know your areas of expertise or else they'll keep on arguing even when they know nothing about the topic of discussion. I happen to like fbm (former bank manager) because she's real and knows what she's talking about.
Bankruptcy is not that bad- filed earlier this year and
bought a truck 2 months ago and I am currently working with Lending Tree to buy a house and hope to close in the next month. So there is life after bankruptcy.
Some info on credit counseling vs bankruptcy
This is just a heads up for those that were questioning about your choices. I was doing some research on a cancellation of debt form - 1099-C that I am doing for my ex-husband as he never paid me the $9720 he owed me and found on a web page that some of the people that are going through Credit Counseling now are getting 1099-C for some canellation of the debt from credit card companies. If they forgive this debt, then you have to claim it on your income tax as "INCOME" so think about this in your situation. If you are going through a counseling agency ask them if any of your accounts can give you a 1099-C for anything that they forgive you and the only way that they can't is through Bankruptcy. So that is another consideration when wondering which way to go. As for me, I have a signed promissory note signed and it is not a verbal agreement, was not in the divorce and he just never paid. So I get to put on 12 years of interest at 10% plus late fees and he will end up paying the IRS instead of me but I get a tax deduction of $3000 per year until the 21K is used up. So that is fine, he doesn't have to pay me and I will cancel out his debt, but Uncle Sam is not as forgiving as me. But I wanted everyone to be aware of this as it tempting to pay a credit card company only 50% of what you owe them but thing of putting that other 50% on your income tax forms. Patti
You need to consult a bankruptcy attorney on that one. Good luck...
I can't ever remember a question of bankruptcy on an employment application. They usually just as
s
if you live among trashy people, low income people, people w/o goals or direction,
content to just get by, you by default become a part of a group. "people" have decided to group trailer people as trash. that is because there are enough people in that group to earn the title and even if you aren't trash, you are categorized by others. did i think i was trash in lower class neighborhood surrounded by people who drank and fought all weekend? no but i knew i wasn't staying and did not try to pretend that all the fools in the neighborhood were just nice folks who ended up where they were because high horse snobs deemed their neighborhood low class. people for the most part live exactly where they belong because they don't want to educate themselves, they don't mind "trash" around them and they don't want to be bothered trying just a bit hard to extract themselves from that world. they justify everything to themselves i guess saying everyone who doesn't like their lifestyle is a snob and the comedians (Jeff Foxworthy/Chris Rock, etc) who make fun of them are just ill-informed.
As for me, I fought hard to get out and don't even want to look back. It amazes me people stay for generations.
Talk to an attorney. The bankruptcy laws have changed considerably in recent years and you need to s
x
so many people was wishy-washy nowadays...love to see people make
a stand for what they believe in...
it is kind of wierd those statements have to be made in the first place but guess we are an ever-transitioning country and are still young. so many different beliefs yet not much tolerance.
I found your post respectful, and right on as to how you feel. it does not seem that difficult to sift through to read and respond to messages someone might not care for...
Just remember that it is not the people on this board who short changed their people and ONLY after
caught did they (after they were suied) make an effort to look good by sending out these checks. Now, think about this--had they done this many years ago when they short changed everyone, that would have been honest. Does it not bother you that only after they know they are under the gun that they are doing this to try and make themselves look good?
I used to work for MQ and I used to like what I did. I never can say I really liked the people that I worked with, but I really think they had some of the best accounts that I have ever come across in the MT industry. I loved working the major teaching hospitals that I did, but that certainly does not mean that I enjoyed being cheated out of pay.
So chill already. People have been cheated, were lied to, and only AFTER they got caught have they tried to return some of the money they robbed us of (as well as cheated their clients).
We all have reasons not to be happy with this company and you go off on us because we are complaining of things like small refund checks of a penny or a few cents or a few hundred dollars and NO WAY to even check to find out if this is correct?
I am sorry you are unhappy all of us thinking that there is still a dead rat in the cellar, but there is still a dead rat in the cellar and nothing will bring the dead rat back.
I would hold no love for a company that I know willingly cheated the very people who helped THEM make money out of their hard-earned money.
Go take a deep breath and think about that.
My people skills are just fine. I just want to hire people who want to work.
I've not been ugly, I've asked questions, legitimate ones. Please tell me what is wrong with that. This site is not just for MTs, it is for QA Editors, Supervisors, Service Owners, there's even sections for Billers, Coders, and Nurses.
rude people? I would take good pay over polite people any day
Besides that they have never been rude to me and I have been here for almost 2 years. What do you consider a bad account?
I know my account is a little tough, but I am used to it. I am tough!
Rude people? I hardly think so. They are some of the nicest people I have ever worked with. sm
Not just management, but QA as well. No one is rude. They are a very understanding staff. There is one account that is hard but all it takes is getting used to it. Once you are used to it, it is no harder than any other ESL account that you would do anyplace else. I have heard all these things about TH from the archives and I have yet to come across rudeness or any kind of thing that I have read about in the archives. I would definitely pursue them if I were you. I think you will be pleasantly surprised.
2 people to do that amount of work, is she nuts? More like 20+ people - nm
x
Certain people getting raises, certain people not. Guess who is?
Say what you will about unions, the good and the bad. But, one thing they did ensure is a raise, good benefits and that you would have a job in the morning.
Yeah right, OF COURSE! How could there be other people who don't like QA people?
Could only be one. Hahaha. Dream on.
I agree, some people will never get it but, then again, what does it say about them as people? Not
.
I don't like people
nm
Just so happens there ARE some people who
CAN really produce and NOT cherrypick. GEESH.
Problems come from working with stinky attitudes like yours.
The people....
Did you ever think that what you take as politeness might just be their poor language skills?
Why don't you go over to India and live for awhile - they have half of our MT jobs so you should be able to find work (Healthscribe, Medware). Then, tell us how polite they are.
People are people - just because they live in another culture doesn't make them any better than us or any worse than us. It is the job, working with the public, that wears people down eventually. It is particularly easy to be rude over the phone.
There are people who don't know better, there are people
who need to be at home for whatever reason, a chronic illness, kids, caregiver to sick parents, etc. Any job is better than no job if you need to eat.
If there were enough decent paying jobs with honest companies no one would work for the low paying, dishonest companies. So far I have turned down jobs with MQ because of their actions, quit a job with SS because it is a lowsy company, I have turned down 2 positions with companies that offshore. Fortunately I got on with a company that paid a decent wage and one that doesn't offshore, though it isn't the great company that it used to be either, but it is a living.
try something most people have a
problem with and your worth increases .. neurology and ophthalmology for instance. Most people are afraid of the eye .. wonderful once it becomes second nature. Oncology is another sought after skill, but takes a lot of work. Also you might contact M-Tec to take their class in neuro or OAK Horizons .. they are both very good.
That people such as yourself
would quit airing your dirty laundry and asking for advise - and then get all pissy when people give their opinion. After all, that is what you were after right? This is MT Stars, this is NOT a military advice column or posting board. When you open yourself up on a public forum, then be prepared for what follows.
Personally, I think anyone who signs up to defend the country and then turns his back on his duty is HEARTLESS.
The military makes your obligations and consequences VERY clear.
Sure some people do need help..(sm)
The below is an e-mail that I got from a lady who lives in Houston. These are her observations only, but it sure does make you think about all of the self-righteous out there who really don't understand another person's hesitation in taking many of the people in to our communities. Some of them come from a whole different kind of mentality.
Well...
I feel sorry for these people - they have lost everything - they have nothing. I blame their own government at least a bit for not evacuating the ones that were too poor or had no way to evacuate.
That being said, it isn't going as well here as the media makes it out to be. Anthony has been down the to the Astrodome as required by the Fire Department, and I went down on Saturday with a friend of mine.
The Astrodome holds around 50,000 people - and there aren't that many evacuees down there. There are bathroom facilities, but these people are squatting on the streets, parking lots, and lawns of places down around the astrodome and leaving behind urine and fecal matter. They are throwing trash wherever they are when they finish with it, and quite a few act like we "owe" them something. I can't tell you how many people were bitching about the MRE's that they were being served.
As high as gas prices are, I will go out of my way not to have to drive by the Astrodome (my RE's office is about 1 mile from the dome). When you stop at a stop light they come up to your car and beg - and knock on the windows. There have even been reports of some jumping in the backs of pickups and even scratching cars and trucks with knives, if you don't give them money.
I know that there are some good people out there, but there are a lot of bad ones too. There are some that were appreciative of the baby formula (breastfeeders - please don't jump on me here) and diapers and coloring books that we were handing out - and some that were bitching about the brand of diapers, the fact that we were only authorized to give out one can of formula per child and that we didn't have a certain kind of bottles. I even had people that refused to take gift cards from Grocery Stores - wanting money instead.
Last night, one of the evacuees was able to score some alcohol somewhere, got drunk and carjacked a car and ran into several parked cars - the police were able to pull him over after a 15 minute chase.
And I can't get over the smell of raw sewage in the area of town that most of the evacuees are housed. The plumbing in the toilets are working just fine - but they aren't using it. They are trashing the place.
I can't imagine what it must be like for them, having nothing but the clothes on their backs - but I think I would be more appreciative of whatever someone could do for me, instead of griping about what kind of bottles they were giving me to feed my kids with, and that the MRE's were cold.
I really have mixed emotions about the whole thing. I feel sorry for the people who couldn't leave, and got stuck in the chaos. I don't have as much sympathy for the ones who could have left, but didn't want to.
I am sure I sound like a cold, callous, b****, but I was absolutely amazed at the attitude of most of the evacuees that I was in contact with on Saturday.
Some people believe anything
Evacuees are NOT trashing the Astrodome! You people choose to believe anything. There are enough cameras around the Dome to show how residents are reacting. Security is very tight and strict there right now! As far as "sorry people" that were evacuated, you do NOT know their situation NOR their minds and hearts. My brother was one of the evacuees. He was a student at the New Orleans Baptist Theological Seminary. He lived in Orleans parish just blocks from Ward 9. Most of Ward 9 are very poor people, handicapped and disabled, and yes there are some drug addicts and lawbreakers there. But I bet if you would look in your own neighborhood you would find them there yourself! Some people, if you could crawl out of your own self-righteous world, do not choose to be in the financial shape they are in. Let's see here, I live in NE Mississippi and people's financial status in this community is very poor. Why? Is it because we have women having babies at 15 and no daddies and no desire to better theirselves? NO! It's because our lovely government signed NAFTA and allowed all our manufacturing jobs to be taken away. So what happens to the people? They fall in the cracks!
Back to New Orleans. Let me tell you all about the wanting certain things to be donated. A evacuee does not EVEN get to choose what they want. How assinine of you! Do you think they just sit on the streets and wait for handouts? NO! They have to get passes to even leave the Astrodome or any other shelter. It is the Red Cross that is not taking clothing donations and asking for particular donations. My brother went to the Red Cross to get assistance and was told unless they were living in a shelter, they could not help them at this time. Where is the justice in that? We took clothing to the shelter here in MS and was told to take it back home because they didn't have the time to sort through it. They said that was the job of the Salvation Army. ALSO, our area churches wanted to adopt families and take care of them. Out of 300 families, 50 were given homes to stay in. Last Thursday, we were told by the Red Cross unless we could take them all, we could have none! It had to be the evacuee to approach us and ask, they would not allow us to come in and get families because they said it would only stir up strife. The Red Cross needs some serious reorganization! They have infuriated me!!!
So before you get on your high and pious throne discrediting ANYONE, why don't you come on down here in our area and just try living in the situations that are going on right now. Life is very difficult for most of those people. They have lost all of their livelihood and have no hope for the moment. It's only when loving, kind people with caliber that you do not seem to possess, try to help those that are less fortunate!
BECAUSE OF PEOPLE LIKE YOU
I get the garbage every darn day. You people bite the big one and not well.
BECAUSE OF PEOPLE LIKE YOU
I get the garbage every darn day. You people bite the big one and not well.
Why are you trying to tell people
what to say? If you would look at the start of the post, MQLOVER was trying to help. People were coming down on her and she became defensive, rightfully so.
Why are you using other people's
initials. You don't use my initials just because you are replyig to me. Use your own name. You confuse people by doing this. Why are you doing this? Are you new to this board?
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