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View Diary: Healthcare Reform and the Economy (160 comments)

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  •  Filed for chapter 7 on medical bills (5+ / 0-)

    should be going to court within the next week
    Medicare part A didnt cover an emergency appendectomy or a hospital visit for a possible heart attack.
    court date next month from a lawyer who doesnt know that you cannot squeeze blood out of a turnip.
    disabled with no garnishable income and no property that leins can be placed on yet a lawyers insistance on bringing it to court forced me to file

    •  Congratulations (1+ / 0-)
      Recommended by:
      Bluerall

      You're the poster child for what the health care industry has done to this country.

      Bless you and I'll pray for you.

      We need two lists: those we will work to elect and those we will defeat. If you're not progressive, you're not a Democrat.

      by moosely2006 on Sat Jul 25, 2009 at 10:14:33 AM PDT

      [ Parent ]

    •  Binding contract (2+ / 0-)
      Recommended by:
      bigchin, Bluerall

      In an emergency, your imminent death, you signed a contract.

      Why is this contract binding? Contracts signed under duress (and I'd believe your immanent death is a good definition of duress), are not binding.

      What does you lawyer say to this?

      •  Actually I didnt sign anything (0+ / 0-)

        contract being more verbal, still the hospital split the bill 9 ways to sunday
        Was trying to pay them off 1 or 2 at a time
        the er docs billing demanded 150 a month
        tried to explain that having 9 bills while being disabled there was no way to pay that amount
        they demanded it and said if i didnt pay that amount i would have to pay court costs and attorney fees
        2 years ago the attorney met me at court,he was informed I was disabled with no property, again the attorny tried to get me to agree to the added costs at 50 dollars a month that I could afford, I refused to accept the added costs, I will not be blackmailed into higher costs because of an outrageous demand by the billing dept. was told to expect a court date in 6 months, 2 years later i get a court date

        •  oh my bankruptcy attorney said (0+ / 0-)

          my situation is commonly called uncollectable and she couldnt believe the other lawyer was persisting in going to court

          •  Noncollectable? (0+ / 0-)

            When you agreed to pay you ratified the verbal contract.
            If you have refused to pay, and insisted the contract was formed under duress, and not enforceable, and that the treatment was a gift because of your financial status, you'd have had a better chance of escaping the collection activity.

            Starting to pay is a mistake. You are ratifying (agreeing) there was treatment was given for a consideration (money), and not as a gift.

            Now you are where you are...I surprised that the bankruptcy trustee has not jumped all over the plaintiff.

            •  you misunderstand (0+ / 0-)

              several things

              Uncollectable as in no way to enforce payment
              because my disability is not garnishable and I have no proprty to seize/put leins on

              I didnt start payment on that particular bill

              •  Did you start payment on any bill? (1+ / 0-)
                Recommended by:
                phonegery

                Then you ratified the contract(s).

                I understood uncollectable, no means to pay.

                The other thing is that you got bills from many vendors, and contracted with the one (the hospital). I've always questioned how these forms of contract are enforceable.

                Because you and I cannot enter into contract which is not discussed between principals, not agreed, and no discussion of price, terms & conditions.

                That would be a clear definition of "no meeting of the minds" and hence not a contract. If the doctor went ahead without those items, then again, it looks like a gift.

                An interesting defense would be a demand: "both show me the contract, and prove it's a valid contract".

                •  See the thing is (0+ / 0-)

                  one contract with the hospital
                  and not with all the individual contractors
                  ie ER docs
                  anestigiologists
                  nursing staff
                  etc etc
                  I provided proof of medicare part A to the hospital
                  it paid part of the billing
                  the remaining unpaid billing got seperated and the billing started
                  I have been recieving bills left and right with no documentation many times double and tripled billed
                  I paid off 1 bill of 300ish and was halfway thru 1 bill of 900ish
                  it took a viewing of my credit report to find that I owe close to 8000 with many of the bills being reported twice and the doubles bill being reported at a small varience
                  No way can I afford that with all my other debts/responsibilities

        •  Can you apply for Financial Aid? (0+ / 0-)

          Some hospitals have a group, not in Billing, that receives appeals for financial aid.  A friend who is a young widow, had many bills after her husband's death from glioblastoma.  She successfully applied for financial aid and had substantial reductions in her remaining bills.

          I also have learned, once one hospital system agrees that financial aid is ok, other providers fall in line afterward.

          I know more work when you are sick.  Hope you can get help with this.

          I'm new here; lurking since before '08 election. I'll try to find something pithy from William Wilburforce.

          by Regina in a Sears Kit House on Sat Jul 25, 2009 at 11:26:41 AM PDT

          [ Parent ]

          •  nope (0+ / 0-)

            even tho im disabled I make too much to qaulify
            go figure
            Right above the cutoff for aid
            Eli Lilly the pharma giant here in Indiana has a grant for the poor but you gotta make well below the poverty line to qaulify and Im just above it
            Many aid programs are like that
            alot fall in the cracks

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