A Step By Step Plan To Win The Credit Card / Debt Wars

Read my book and learn how to make hospitals accept very small monthly payments on your hospital bills, and keep them from reporting adverse information to the credit bureau's.

Learn how to conquer your debt and stop those harassing phone calls, and letters, erase creditor inquiries, erase creditor reports, and erase public record items from your credit report, and avoid bankruptcy.

This website intends to help those who have overextended themselves financially, and seek relief.

The book contains numerous letters, ready to use, and advice that can be used to resolve many credit/debt problems we all face in today's economy.

Expenses that are essential to your existance are:

mortgage or rent

clothing

transportation expense

food

home maintenance expense

medical or health insurance

life insurance

alimony and child support payments

minimum payments on secured debts

Non essential payments:

payments to credit card companies

payments to other unsecured creditors

The pro rata plan is really very simple.  In the book we explain, step by step, how to figure out your own pro rata plan.

Recently I was able to convert a $7,000+ hospital bill into a $75.00 a month payment. Read my book and find out how you will be able to do that too!!!

After ten years any debt that still exists has now become what is called a "zombie debt", and is uncollectible.  Writing a letter to the credit bureau's will get it removed from your credit profile.  This will help to mprove your credit score.

Have any of you ever tried to figure out a lengthy hospital bill?  It is near to impossible to do this unless they leave off the "code" that often times comes along with it.  Aways, always, always, tell the hospital that you want an "itemized" bill in plain english, and with the code left off.

When you get billed by a doctors off that doesn't send a return envelope with a stamp on it do what I do.  I deduct for the postage and the cost of the envelope from their bill, then mark the bill paid in full.  It is not the patient who needs to pay for postage and envelopes, but rather the business who is billing me.  It is part of their cost of doing business, not mine. 

Never ever pay a hospital bill with a credit card.  It will literally take a lifetime to pay it off.  With interest rates up around 29% you can easily see why.  It is far easier to make a managable payment plan with no interest with the hospital.

Visit medicares website and see if you qualify for extra help.

Oh hospital bills, the bane of any sane person's existence. I have found over the years that, like with everything in the medical field, "you" are your own advocate and foot soldier. It is ususally up to you to keep the hospital honest, and it's usually you that has to do the leg work to make everything right. 

It might sound bad, but if you complain loud enough and to the right person, you can get almost anything to go your way. A few years ago when the hospital was getting confused about billing because I had switched off of my parents' insurance and on to my own I had to work my way up the billing departments chain to make sure they understood not to bill my parents' insurance any more. Always get names.

Also, make sure you know how to get a copy of any of your cleared checks. There have been times when the hospital said I didn't pay something, and very quickly changed their story when I make a personal appearance with copies of cleared checks.

My biggest advice is don't be afraid or intimidated. Have a filing system and keep records. That way all the information is in your hands.

It appears that you have a good handle on the hospital billing problem for dialysis patients, or for that matter any patient who has had a hospital stay.  At my age, 64, most don't have the energy to pursue the hospital about billing.  This was another reason for my book.  The letters in the book make it a lot easier for them to get the problem resolved.  Any correspondence with a hospital should always be mailed with "proof of delivery" regardless of the content of the phone call with them.  A letter is your "proof of intent" with the hospital.  If the hospital doesn't respond to you in writing you win!

62% of Americans have no medical insurance. Can you imagine being a single parent with two young children, waking up one morning with a very sick child, and not being able to take that child to a doctor because you have no medical insurance?

Insome cases nursing home patients have to go into the hospital for a serious illness. If they stay for more than three days they lose their place at the nursing home, and now have no place to go. Until the hospital social workers can find them another placement they must remain in the hospital at a cost to the taxpayer that is astronomical. This is just another example why medical costs have gone sky high.

Medicare asks a lot from patients who can not afford to be hospitalized.  Having to pay an additional 20% can have a catastrophic effect on some of them financially, and emotionally to the point of their demise.  All the bills in the world aren't worth paying the ultimate price of death.

Last year I spent the holidays in the hospital.  I am determined that this year will not be a repeat of last!  It is the job of a dialysis patient to remain healthy.  Not an easy thing to do.

Recently I discovered that some doctors offices find it easier to send a patient to the ER than to look at their office schedule, and try to fit a patient in for an office visit.  This not only drives up medicare costs for the elderly, but can cost the patient $1,000 for the trip to the ER.  This doesn't include the wait time, and the "real" work that the ER doctors could be doing.

If you happen to be a dialysis patient make sure to get your social worker to be your advocate when it comes to hospital bills.  Your social worker should be able to find programs, and grants to cover most of your medical costs.  The larger dialysis providers all have social workers on staff.  To deal with hospitals on your own can be a daunting task if you choose to do it by yourself.