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Full Version: desperate times calls for desperate measures
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(05-11-2017, 02:15 AM)Johntaraz Wrote: [ -> ]Just went through this basic situation with my father.
Medicare and VA said he was fully covered.
After quad bypass and one heart valve, he has bills for 22K.
Used up all his savings to pay what he could.
Had to get a cease and desist from the collections calling him 10 times a day.
83 and limited income.

Courts can issue a warrant for unpaid debt if a creditor files a case.
The medical and insurance system is dysfunctional and has become more about profits, than healing people.

A bankruptcy lawyer, as scary and unwanted as it sounds, can be very helpful, and they don't always take a person through bankruptcy, they may have other advice they can give.  Usually the first talk i free. Shop a few, there's a wide range of opinions and advice among them.
(05-11-2017, 02:22 AM)Archangel Wrote: [ -> ]
(05-11-2017, 02:15 AM)Johntaraz Wrote: [ -> ]Just went through this basic situation with my father.
Medicare and VA said he was fully covered.
After quad bypass and one heart valve, he has bills for 22K.
Used up all his savings to pay what he could.
Had to get a cease and desist from the collections calling him 10 times a day.
83 and limited income.

Courts can issue a warrant for unpaid debt if a creditor files a case.
The medical and insurance system is dysfunctional and has become more about profits, than healing people.

A bankruptcy lawyer, as scary and unwanted as it sounds, can be very helpful, and they don't always take a person through bankruptcy, they may have other advice they can give.  Usually the first talk i free. Shop a few, there's a wide range of opinions and advice among them.

Its an outside possibility.

We've been dealing with it since March 11th.
It stresses him out.
Which isn't helping his health or what limited recovery he is making.

He is frail and I have to drive him to appointments and for groceries.
I don't think he wants to try and deal with the courts, an attorney or filings.
I guess they could arrest an 83 year old living in near poverty on social security and VA retirement, but they'll need to transport his wheelchair or walker also, and his meds.
My oldest son, a vet, went through this.
He spent a week in the hospital about a year ago, and VA refused to pay because my son had neglected to report he had moved.
In order for VA to honor the expense, a vet has to report when they move to a different area. 

So ...
Oldest son, who has a minimum wage job, has a many-thousand $$$$$$ bill he is responsible for, and absolutely no way he will be able to pay that off even if he lives to be 150 yo.
(05-11-2017, 02:41 AM)Aquarius Wrote: [ -> ]My oldest son, a vet, went through this.
He spent a week in the hospital about a year ago, and VA refused to pay because my son had neglected to report he had moved.
In order for VA to honor the expense, a vet has to report when they move to a different area. 

So ...
Oldest son, who has a minimum wage job, has a many-thousand $$$$$$ bill he is responsible for, and absolutely no way he will be able to pay that off even if he lives to be 150 yo.

When I worked in public housing, probably half the residents ended up there from unpayable medical bills.
After their life savings, retirement, investments, properties, were all sold off or seized to pay their medical debts.

I hope your son finds a way to discharge his debt.
Bankruptcy as Archangel points out might be a viable option for him.
(05-11-2017, 02:46 AM)Johntaraz Wrote: [ -> ]
(05-11-2017, 02:41 AM)Aquarius Wrote: [ -> ]My oldest son, a vet, went through this.
He spent a week in the hospital about a year ago, and VA refused to pay because my son had neglected to report he had moved.
In order for VA to honor the expense, a vet has to report when they move to a different area. 

So ...
Oldest son, who has a minimum wage job, has a many-thousand $$$$$$ bill he is responsible for, and absolutely no way he will be able to pay that off even if he lives to be 150 yo.

When I worked in public housing, probably half the residents ended up there from unpayable medical bills.
After their life savings, retirement, investments, properties, were all sold off or seized to pay their medical debts.

I hope your son finds a way to discharge his debt.
Bankruptcy as Archangel points out might be a viable option for him.

I've suggested bankruptcy to him any number of times. 
He has Asperger's Syndrome, and just deals with life by putting one foot in front of the other each day. 
That is how he chooses to go through his life.
That would be awful to get stuck with a bill you aren't expecting. Probably he thought it would be covered by the V.A. but when you are hurt that bad you don't have time to check.

~mc~

@Aquarius and @Johntaraz .. those stories make me sad

I'm sorry your families are going through that :(
(05-11-2017, 05:10 PM)~mc~ Wrote: [ -> ]@Aquarius  and @Johntaraz .. those stories make me sad

I'm sorry your families are going through that :(

Its OK. One day at a time, do what one can for their family.

@Aquarius, my daughter has Asbergers so I know it presents a unique challenge.

One blessing is that usually they have some extraordinary talents they have nurtured within themselves to overcome their other disabilities.

My daughter is a great visual artist, has a photographic memory, and has been in martial arts since age 6.
(05-11-2017, 08:17 PM)Johntaraz Wrote: [ -> ]
(05-11-2017, 05:10 PM)~mc~ Wrote: [ -> ]@Aquarius  and @Johntaraz .. those stories make me sad

I'm sorry your families are going through that :(

Its OK. One day at a time, do what one can for their family.

@Aquarius, my daughter has Asbergers so I know it presents a unique challenge.

One blessing is that usually they have some extraordinary talents they have nurtured within themselves to overcome their other disabilities.

My daughter is a great visual artist, has a photographic memory, and has been in martial arts since age 6.

Thank you, mc and Johntaraz.  Hugs

My son is brilliant in some areas (computers, mathematics, creative solving of problems in those areas), and his IQ is extremely high.
He worked in computer technology for many years, then "got tired of fixing other people's problems all the time", and is now perfectly content as a dishwasher.  He truly likes what he is doing, and the restaurant he works for loves him. 

A.S. folks (at least the ones I'm familiar with), are highly organized ... almost to a fault.
(05-11-2017, 05:01 PM)titanic1 Wrote: [ -> ]That would be awful to get stuck with a bill you aren't expecting.  Probably he thought it would be covered by the V.A. but when you are hurt that bad you don't have time to check.

He did think so!
And I even checked with the hospital, my first visit to see him, and they assured me he was covered by VA.
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