Thanks for the input. It's not debt, as we
Posted By: trying to destress on 2005-11-15
In Reply to: Put it on paper - see message
don't have anything besides a mortgage and one loan. It's just tracking the finances. I've been thinking about switching to a cash basis for everything instead of using checks or Quicken. It would speed the process up a lot by not having to balance the checkbook or enter everything into the computer. I already spent an hour this morning trying to balance the checkbook because somebody can't save receipts, write down amounts or use duplicates. I give up...
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Considering they have just gotten out of debt,
it is very accountable for them NOT to get back into it by donating responsibly.
how far are you in debt?
 Just curious as to where I stand, thought it would be interesting to find out what the average is in a forum like this.
school 3200 (in forebearance at the moment, original loan 6000 in 1994, three deferrmants)
car 6000 (1999 chevy, original 12,000, backwards on loan, brakes going fast).
credit cards 8400 (just paid 2000 to one, first priority to pay off, debt contributed by ex).
hospital 4000 (major operation, no insurance, total bill 10,000 in 2001, lived with parents almost a full year to pay off half).
Well, thats mine. Please share yours.
debt
Approximately 25K. Would love to have a plan that really works to pay off in 5 years. Anyone know of one?
If you are truly serious about getting out of debt....
I would really suggest getting your hands on a copy of "Total Money Makeover" by Dave Ramsey. It has changed the outlook of our family totally and we are on our way out of debt one "baby" step at a time - we've already paid 3 credit cards off and are going to be debt free (including our vehicles and our mortgage) in less than 5 years - credit card debt (to the tune of about $28,000) will be gone in another 17 months. His method is working for us. We tried debt consolidation by credit card and by "equity line of credit" but this only treated the symptoms and not the actual problem. Hope this helps you if you're TRULY wanting out of debt. It really motivates you as you go along, too ! Nice to write those zero balances off of our refrig !
I also need debt help. Any advice.
because of slow work this winter in MTing, but now with a new job, maybe making more to finally get caught up, our mortgage company is threatening us. I only owe 1700 over but that is a lot when you don't have it. This is not FHA loan. Has anybody else been in this position and what did you do.
When the CC debt is paid down
9 months and counting, then I can relax a bit
True, this is just until I pay off some debt. And 1 job
p
Unfortunately, CS seems to be the easiest debt to skip out on
You'll get into more trouble if you bounce a $25 check. I have used one of those private agencies because my ex had moved out of state and once that happens, if the ex doesn't want to pay and moves around in jobs, you can pretty much forget about getting anything.
The private agency works a lot faster, but the contracts are very complicated and you are pretty much signing up for the life of the CS obligation; otherwise there has be nonpayment of CS for a year before you can end the contract. And yes they take a big chunk of money but at the time I thought it was better than getting nothing at all.
But in the end, once payments have been established, the private agency ends up filtering the payment through your local CSEA anyway.
I think your best bet is to use some kind of locator service and if you can get a good address provide that to your local CSEA.
I wish they had an "America's Most Wanted" for deadbeat dads/moms. It's amazing to me that it is seemingly so easy to stop paying, change jobs, and just not be found.
About 50K in debt not counting mortgage. nm
x
I also tried debt settlement and I am now also being sued.
I spoke to a bankrupty lawyer and he said absolutely go for Chapter 7 but I guess I just wanted to here from somebody else who has been there. Thanks.
Try debt counseling first - if that does not work - sm
it will at least look good to the judge when you declare bankruptcy. I do not regret declaring bankruptcy at all - got a lot of pressure off of me when I needed it. I started all over, and now I am so much wiser so I don't get in that circumstance again. It doesn't take long to rebuild, either.
Desperately need debt consolidation help.
Can anyone recommend a reputable debt consolidation service that they have used to help successfully get them out of debt? I just want to break down and cry, but we have to do something as our credit card debt/medical bills are through the roof and unmanagable due to tough times findings jobs, etc. Thank you for any advice you can give. 
I knew someone that did get in debt overnight due
to illness. The bills were higher than any loan would cover and they wanted their money then. In that particular case, BK was the only answer and this person got it in about 1 week before the new law took effect. The individual will be able to purchase a home I believe within 2 years and has already received offers for credit. That was under the old law.
The new law makes you take a course I believe 6 months before you can file. I believe you have to qualify if you want all your bills discharged and they make it harder to get that done, i.e. you have to make a certain income only and anything over that, you have to pay back over time and it is still BK.
With the new law, I would weigh it carefully. Not everyone has emergent medical illness which might necessitate taking this step and it is automatically assumed they mishandled their affairs. This person raised her children alone and just did not have extra money in the bank for bills totaling over $150K. In that case, she was warranted in filing.
caused me to go severely in debt
that 10 years later I am still recovering from - was writing checks on charge accounts to pay mortgage - this was local and when I would go to her house to pick up and drop off tapes I was seeing boxes from QVC yet she said she wasn't getting paid. Still angry.
How? I've done pretty well staying out of debt, but
I'd like to get some money set aside for retirement and pay off my home. Any advice you can give?
If you have the time to get down and dirty with some low-life bad debt,
As for me, I live and learn. Ever hear the phrase cut your losses. The more time you spend chasing down a bad debt the more loss you incur.
Because it is hard work to collect and once you know a company is a bad debt,
Got to know when to hold them and know when to fold them. She already lost on doing the work. Now she loses doing the collection work.
Bank debt/check card? Same thing?
Is the prepaid visa card the same as a bank debt or check card?
I did. I never have regretted it. We filed 7, I beileve. All unsecured debt was wiped out. Kept my
xx
my input
There are many companies out there, and the majority of them are good companies. Most jobs are work at home, too. There are pros and cons to every single MT company. What works for one MT won't work for another. Research the Company board. Use the MTstars search function. Read the Job Seeker board to see who's hiring. If you apply and get a nibble back, ask questions specifically. However, I don't think we're all going to list every MT company we've all worked for.
Here are some hints. Don't pay for proprietary hardware or software from the company, buy it on eBay, don't work for free, don't work for less than what you think you are worth. Even when I started out as a total newbie grad from a terrible school, I still made $.065 per line.
The average MT can do 150 lines per hour, so 1,000 lines would be roughly 6.5 hours of work. I expect to put out about 1,200 lines today by noon, and I'm certainly not as fast or experienced as most on this board. There are people out there consistently doing 250-300 lines per hour, so 1,000 lines per day is certainly feasible.
Thanks for that input.
I thought there might be something wrong with me. Maybe I'm too critical because I keep finding something "wrong" with all these kids. They're just kids. Yeah, little demon spawn is my favorite term for them. These little beasts have no respect for other people, their possessions, or adults. It certainly makes me appreciate my own kids so much more. I don't tell them enough that they're good kids.
Thanks! I will look into both of these. Appreciate your input! nm
xxx
Thanks! I will look into both of these. Appreciate your input! nm
xxx
Thank all of you for your input!
I appreciate the info on both Cymed and Transolutions. Sounds as if Transolutions is the better of the two. If this does not work out, I think I will try doing IC work - just need more info on it. Guess I would have to check into insurance. Have Cobra now and it is sending me to the poor house. Thank you.
Thanks for the input
The person I dealt with was Jennifer, but I never met her, just back and forth over the phone and naturally she was very positive.
Thanks for the input. NM
d
Thanks for the input - sm
We aren't in Western Washington, other side of the mountains and she is even further east from me, about an hour from here.
They will get help. It may just take a little while longer before they can find someone qualified for it.
Thanks for the input everyone (nm)
x
TY everyone for your input..
I think I will get busy on approaching some of the chiro's in the area then. Small town here..not many facilities to choose from for just rad and someone else suggested trying chiro. Any other suggestions would still be greatly appreciated as well as any websites or individuals willing to share some sample reports. Feel free to email me with samples/more suggestions.
Thanks again!
Thank you both for the input.
thanks for your input!
x
Thanks for the input.
My primary account, though it keeps me busy and has for over 10 years, there is no extra work. What I do and what another girl does on weekends is all. I did take on another account at one time but it was either too much or not enought. Too much for me to handle accurately and do domesticated stuff and dropped back to handle both but not enought money. I think I will just have to buckle down and stress to family (kids are old enought to help out) that they will have to pitch in or do without! Thanks again. You do help me feel a lot better!
Thank you. I will try that. I appreciate your input here nm
thank you for your input
The local is sort of what I am leaning towards..
Any input? Looking in to them.
I appreciate it! Thanks!
Thanks for your input.....
I guess I will just take today as a day to do some "testing." Thank you so much for sharing. I feel so alone and worried about my future as an MT.
Thanks again, I appreciate your input...
more than you know! Yes, I am definitely a female, I'm sure my sensitivity shows here!! LOL
Would I be going against anything if I sent a letter of apology to those docs for what happened? It isn't like I would be going against noncompete as I would not be trying to get their business, just to apologize and set my mind at ease and get closure.
Thank you all so much for the input....
xx
thanks for input
I appreciate the input. try and have a better night! :)
Thanks for the input! nm
!
Thanks for the input!
Thanks for all your input. sm
But Home Depot does use subcontractors. I asked if they speak English and was told NO. So, I'm looking at local carpet stores. Found a lot of horror stories on the net. Guess it depends on which Home Depot you use and which subcontractor you are lucky or unlucky enough to end up with on your project.
Thanks for your input
Leaving the office and going home to work sounds like something I should seriously consider. I moved from Oregon to Texas recently and was shocked to find the wages so low. I went from $15.00 an hour to $9 an hour and nothing around here pays anymore. Believe me my goals are higher than $9 an hour. Thanks again and I'll be hanging around!
Thank you all for your input
The part time job I work at is small and very personable, so with this newer job I have, at a bigger company, I wasn't quite sure. It sounds like I should not send her an email. I just really hate to leave all of these blanks, but you should really hear this guy - he has a very thick accent, he is mumbling like crazy, and coughing in my ear. I feel like the whole report is one big block of swiss cheese.
Thank you all
Thank you for your input, as well
I'm certain there are many QA'ers that do not have a power trip. I am just so used to the small company I work for that I did not know what was proper. My particular QA rarely sends me feedback, which I value because I am still fairly new. In light of your post, I won't take it so personal anymore that there is no "personal touch" given. Thanks a lot
I will...And thanks for all your input...
Next round of competition is August 12.
Thanks for all the input! sm
I am an old-time MT. I was able to obtain an at-home position due to my acute care in-hospital experience. So, I was not able to give my SIL much advice regarding schooling. She has been traveling about 60 miles round trip to get to work each day and she is having a baby in February. She was asking me about my job and when I explained a little about what an MT does, she was really excited about it. She is an excellent typist, so I'm hoping this will be the answer for her in the end. Thanks again!
Thanks, appreciate your input. nm
thanks for all your input ....
Luckily, I have no kids or family obstacles - my time is my own. The distance from my present job and the new job is negligible; it's actually less than 5 mins closer the new job! Both are 15 mins away.
I realize I'll have LOTS of ESLs ... yikes .. but I do have them now, anyway. Hey - maybe I can whip these new docs into shape by dictating the RIGHT way - slow and courteously? lol .. yeah right.
Yes, I can definitely check out the job before I leave my present job. I have 2 days off during the week, and they need someone to start ASAP. So that can work out.
I will definitely keep everyone posted if I get the job. I love the feedback guys - thanks !
Thanks for the input...
...I think I will try a glare screen...that seems to make sense!
Thanks for your input!
nm
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