Bonus money

iVillage Member
Registered: 10-01-2008
Bonus money
21
Wed, 04-11-2012 - 12:57pm

Our BK attorney had to draw up a motion in order to ask the Trustee if we could keep the small bonus for dental expense.

Norma


"Patience is the best remedy for every trouble"- Plautus


iVillage Member
Registered: 10-01-2008
Thu, 04-12-2012 - 1:35pm

The budget they set is tight.

Norma


"Patience is the best remedy for every trouble"- Plautus


iVillage Member
Registered: 01-02-2008
Thu, 04-12-2012 - 1:58pm

I thought I read that you lived in Canada where we hear in the US medical insurance is covered.. ?

I have no health insurance and I am an aging woman who is having health problems.. I went to a clinic where I live. They cant turn anyone away.. I paid 35.00 for a physical.. I then had a bunch of tests that were necessary

Community Leader
Registered: 08-25-2006
Thu, 04-12-2012 - 6:23pm

Norma, I find your whole scenario very interesting.

Serenity
iVillage Member
Registered: 12-31-2010
Thu, 04-12-2012 - 7:31pm
I do agree and for you, you need these services. My mother does not require her toe nails cut, but getting that service and all other tests after age 75 that really have no major benefit moving forward is hurting people like you who need less intensive care to have a decent life.
Please go back on your medication, and talk to your doctor about the cost of the blood tests and maybe they can do them less often or make allowances. I know my recent blood panel was over $900, insane! Also you might want to call the lab and see if you can do a payment plan with them?
We do need to do something about health care, it can't be free, but tests must be reasonable so all can have access.
#Marie
Community Leader
Registered: 08-25-2006
Thu, 04-12-2012 - 7:53pm
Aquarius, based on your post, it sounds like you really should see what you can do about getting back on your meds.

I have only been sending about $20 a month to my medical providers since my surgery last July.

Most medical places are fine as long you send in something every month. Sure, some print out strong remarks about your payment being due, but I have yet to have an issue with a simple phone call.

I don't even have payment plans with any of them. I just started sending them all a little bit every month and no problems thus far.

I know we can't tell you what to do, but from the sounds of your post, this is an expense worth the cost.

Hugs....
Serenity
iVillage Member
Registered: 08-24-2006
Thu, 04-12-2012 - 11:32pm
I truly appreciate both of your concern. I really do. I can't stretch out the blood tests any farther. I used to do that and my doctor started refusing to refill me until I had it done because it's very dangerous to not have it done regularly. There a narrow window between the theraputic dose and a toxic dose.

As far as a payment plan, I could do that, but the problem is that I would continually be behind and the debt would just grow larger and larger with each blood test. I literally just discharched over 20k in medical debt last month. I cannot emotionally take on any more debt right now. It would be worse than not being on meds at all. Having to take out more student loans is causing me enough anxiety as it is.

I wish there were some other way, but since I have insurance and am well above the poverty line I have no choice but to work with what I have.
Community Leader
Registered: 08-25-2006
Fri, 04-13-2012 - 11:33am
Ah yes, the working poor. :)

Just seems like there should be a way. KWIM?

I finally getting to the place where I am realizing I just need to put medical bills in my budget. Small payments over several providers adds up. I just got my dermatoligst paid off and the next month $305 for two biopsies. Ugh...

One last thought on your lab stuff. Our hospital here has a Foundation that helps people who can't pay their hospital bills. I had lab work done at the hospital before my surgery last summer. Because it was at the hospital, I could have applied for assistance from the Foundation. (I didn't, but I could have) My and my DD have both used the foundation in the past.

So....is something like that a possibility for you?

You don't have to reply, I just felt like I needed to throw that out there as an idea.

Serenity
Community Leader
Registered: 07-26-1999
Fri, 04-13-2012 - 11:54am
Serenity, the way things work with BK, since Norma is making payments into the BK plan and the trustee is paying the credits, she is paying a lessor percentage of what's owed. So the court can take any money up to the point where it would pay the creditors she owed 100% of what is owed in her 5 year payment window. There are times at the beginning of the plan that if a plan is a 100% plan and is less than 5 years, the court may add in a small percentage interest for those creditors also.

As for your exH, the IRS trumps everybody anytime, that's just the way it is, its not fair, just the way it is. Even in bankruptcy, an IRS is a preferred debt and that will get paid first above any other creditor, or least at the same time as a debt that is secured by something such as property like a house, and the IRS debt never gets discharged or reduced in a BK plan.
Photobucket
iVillage Member
Registered: 03-15-2012
Fri, 04-13-2012 - 1:15pm

I live in Canada.

iVillage Member
Registered: 08-24-2006
Fri, 04-13-2012 - 11:39pm
I will check into that Serenity. Thank you!

I didn't really mean to make this about me in any way. A lot of people are in the same boat. A friend of mine is HIV positive and he has been off his meds for several months now because he can't afford them. He makes pretty good money, but they cost 25k a year. I'm far more concerned about him than I am myself.