Anyone have any GOOD experiences with a credit counseling service/
Posted By: Late payments out the ying-yang on 2006-06-28
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If so who were they and what did they do?
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Has anyone used a credit counseling service to consolidate credit cards?
What was your experience? Was it worth it? Which ones are credible?
Credit counseling
Yes, it does go on your credit report. I explained this to my banker that I had not had a problem before in paying my bills, just that I had too many. My banker reviewed my payment history and still approved the loans I requested. Each case is individual, and going through credit counseling may or may not affect your ability to get loans in the future.
For those who have used credit counseling services, what was your experience?
Some info on credit counseling vs bankruptcy
This is just a heads up for those that were questioning about your choices. I was doing some research on a cancellation of debt form - 1099-C that I am doing for my ex-husband as he never paid me the $9720 he owed me and found on a web page that some of the people that are going through Credit Counseling now are getting 1099-C for some canellation of the debt from credit card companies. If they forgive this debt, then you have to claim it on your income tax as "INCOME" so think about this in your situation. If you are going through a counseling agency ask them if any of your accounts can give you a 1099-C for anything that they forgive you and the only way that they can't is through Bankruptcy. So that is another consideration when wondering which way to go. As for me, I have a signed promissory note signed and it is not a verbal agreement, was not in the divorce and he just never paid. So I get to put on 12 years of interest at 10% plus late fees and he will end up paying the IRS instead of me but I get a tax deduction of $3000 per year until the 21K is used up. So that is fine, he doesn't have to pay me and I will cancel out his debt, but Uncle Sam is not as forgiving as me. But I wanted everyone to be aware of this as it tempting to pay a credit card company only 50% of what you owe them but thing of putting that other 50% on your income tax forms. Patti
Is there a free online counseling service?
My daughter, who is 33, is married with 1 child - every time something goes wrong in her marriage or job, she calls me and I'm supposed to solve all her problems. I have asked her repeatedly to go to a counselor, but usually when she calls, it is in the evening. By the next day or Monday, the problem has gone away temporarily and then she doesn't get the help she needs again.
Does anybody know if online counseling is available that is free, other than this message board ?  I guess I'm thinking of someone with an actual degree?
Expensive is right -- around $300 per credit hour! But they do have a good rep. Good luck! nm
No credit card is a good credit card.
Just kidding. I'd suggest not using credit cards to pay debts. It'll only dig you in deeper. Look into a signature loan or putting a lien against a vehicle or house. Lower interest rate, pay off sooner.
Agree with other poster.. good price..good service
I definitely think they are one of the best out there. We also have been talked through issues over the phone and also had a warranty in which they came out and fixed it right at our home. My only complaint..and I am sorry for saying this.. but... when you call their customer service 9 out of 10 times...you get someone who barely speaks English and I just hate that. I think that is true of a lot of customer support centers these days, ironically they are rarely American anymore. I am not prejudice at all. I just find it frustrating to call in for help and the help you get barely understands you and you do not understand them, thus making the experience very frustrating..
great website for credit and credit cards, interest rates
great website
I do option B whether it is bad service or exceptionally good
.
SuddenLink broadband service good ?
Would appreciate any input anyone can give me with this. Considering switching from phone line to cable broadband. Thanks.
Their customer service is pretty good when you have
s
Good advice. I wish more service IT people (sm)
that I have met were more helpful. They should realize that faster PCs = happier and more productive MTs = more $$$ for company and maybe an increase in his own pay! KWIM?
My old MT instructor/service owner hired someone because she "had a good ear." She
s
CREDIT, everyone is living on credit, and from what I see
with a rather, 'might as well, we have no future' kind of attitude.
our credit cards are maxed out, we are buying gas, food (which I swore I would never do, how stupid - all that interest for food, yuck!), paying bills, and we would not have survived without them. now they are maxed out, and we are not making one bit more than we were.
glad things must be going so well for you, but look around in your own neighborhood.
the gap is closing between rich and poor. like it is in somalia, for example.
call us doomsdayers, but I call it protecting our own interests.
why is it the only people who are supposed to care about themselves are the rich?
We have decided to add this to our current service not have a new service. It will be easier to sm
keep track of and will just be a different department.
It looks like we will work out details over the next 6 months, talking with community college program directors as well as a few of the distance-learning course leaders to work on the recruiting end.
We will train current staff to mentor if they would like to do so and want to work in the office.
We are still working on production requirements, goals to set, pay, benefits and other fine details but we have 6 months to get it all in place with three months to pull it together after that with a tentative start date of 09/01/06. We need to build the building as well, although that is already at the blueprint stage in a spot next to our current office.
We did not want to cause flames and bashing by listing the company name as there are always so many negative people on this site, but we are national with over 200 transcriptionists, located outside of Chicago (40 miles west) and have the best team of transcriptionists around!
We will have an "official" announcement after the first of the new year.
Thank you for all of your feedback and suggestions!
My experiences are like yours..
I've done - and do - the same thing you do. The difference is your docs treat you well. Mine treat me like yesterday's newspaper, but in the big scheme of things, it doesn't matter. What DOES matter is that I get my invoices paid on time, which they are.
My hubby tells me even though my docs don't say so, they do appreciate me because they send me checks every month. And that's why I'm in this business - for the monthly checks - no other reason - .
I don't want docs calling in to dictate and instead cracking jokes and telling me what their kids did the other day. The fact of the matter is I don't care. I look at that as taking up my precious time! Wanna' chitter-chatter with me, doc?? Then let's chitter chatter at a cocktail party or dinner, but don't do it on my company time/dime. Hehehe!
Bad QA experiences
At a previous MTSO we were, also pretty much on our own until an account executive (never an MT)took it on herself to start doing QA and started sending us corrections. She actually wanted us to listen to a sentence then make it more concise, and to use as many abbreviations as possible. This was an ESL physician. I told her to get real. I did agree to conform to her bizarre style issues, and said I would correct grammar, but I would absolutely never deliberately do anything that took that much extra time and reduced my lines. I talked to my supervisor and that put an end to that.
very well said. my experiences exactly, as well.
e
I have a lot of the same experiences you do -
I am not afraid to go out, but it just does not seem worth the effort to get up and get dressed and made up just to go to the grocery store... I, like you, am only happy going out with my husband. It is causing a big strain on our relationship as I feel that since he is out of the house all the time, that when I want to go with him he should always take me everywhere he goes. He thinks I should just get up and get out of the house on my own. He does not realize that working at home for so many years I have been isolated and, especially since we moved to a new town, I don't know anybody and since we have no children for sporting events, school events, etc., I really have no way to meet people. We have finally moved into an area after 4 years that has a community pool and I have met some people there, but it remains to be seen if a friendship develops with any of them.
I used to think that working at home was wonderful, and don't get me wrong, there are many benefits to it, but I also feel like mentally it is not really a good thing for a lot of people. I have a relative who also works at home and she is just like me - not only mentally, but physically we are suffering. The weight gain for one thing - the lack of sunshine, the lack of exercise, etc.
I myself have finally made the choice after 15+ years to return to school and get a degree that will allow me once again to leave my home and still make the income that I am accustomed to as a transcriptionist.
Consider counseling
Sometimes an objective opinion from a person you respect can give you some insight that you have disregarded or give you positive suggestions on improving your life. It's worth a try.
counseling is a must.
I have only been married 4-1/2 years myself, so I am not an expert in this field, but I think you need to do everyting in your power to make this marriage work before you call it quits. Whether your husband will agree to go to couseling or not, YOU need to see someone (marraige couseler, pastor, etc.). If you can get your husband to go, that's awesome. He may take the advice differently if it is coming from someone other than you. Men tend to think we nag a little! I have never been to marriage counseling, and I have never been in a situation like yours, but if I were, I think I would give it my all before I throw in the towel!
Why don't you go to counseling with him?
At least once - and ask for help in dealing with his calls...
It really is an illness.
Wow you need some seriously counseling. sm
I am very very sad for you. What a very shallow and pathetic thing to do.
My similar experiences.....
First, I'm sorry about this loss, but you must NOT dwell on it. You must move forward for your sake and financial sake. This is unfortuately such common behavior in this business, and reading your post did not surprise me. I have been an IC for over ten years now, and the practice you describe is SO common.
I have learned throughout the years to set aside as much money as I can so that when the rug is pulled out from underneath me, I'll have $$$ to fall back on. I also keep a supply of hundreds of stamps/letterhead/envelopes handy so that when this happens, I don't have to go broke buying this stuff and marketing for other clients.
Basically the same thing has happened to me. I just lost one client last month due to them finding a cheaper rate, and another account I have had for eight years is going EMR next month. I will then be officially out of business, you might say.
But that is NOT going to keep me down. I'm doing mass marketing to doctors, attorneys and all kinds of businesses who need "virtual transcriptionists," and you know, I feel if I market enough, the law of averages is going to be that I WILL find new clients. You must have faith in yourself and do not take what happened to you personally. Yeah, it was lousy, rude, and unprofessional of them not to give you any notice after years of good service, but what can you do? Don't lose a wink of sleep over it - move onward and forward, and you will be successful.
Good luck!
Anyone with experiences to share sm
I don't suppose anyone has ever worked for both companies and can give me the real scoop?
More graveyard experiences
I've worked graveyard before and will be starting again tonight. I've learned a few things from past experience that can help this time.
One is bright lights at night and blackout curtains during daytime sleeping hours. Another is turning off the ringer on the phone before going to bed, arranging with a neighbor who is generally home during the day to take true emergency calls from certain people and ring my doorbell if necessary.
I try to keep in mind that a lot of other people aren't readily available during the day or able to do what they like during the day because of work, either in or out of the home. I also remember how lucky I am to be able to work from home and not have to deal with a commute, among other things.
Give myself some unwinding time after my shift and then do the best I can to adhere to regular sleep hours that least interfere with regular activities outside of work. There will be times, of course, when I'll need to be flexible on the sleep hours to take care of things that must occasionally be done during the usual sleep hours schedule.
Accept that there will be days when the rest of the world will not be tip-toeing around because I want to sleep. Watch out for sleep-deprivation crankiness, try my best not to take it out on other folks, and apologize promptly if I do. It does help to explain the situation yet not use it as a recurrent or frequent excuse.
Make use of caffeinated beverages at the beginning of my shift and limit them toward the latter portion. Remember that power naps during breaks may work for other people but that the temptation to keep hitting the snooze alarm could be overwhelming for me. It was one thing when I was an IC, but not cool as an employee. Better for me is to something semi-active during breaks and make myself get up and stretch on a periodic, regular basis.
Keep in mind that it will take a little while to get used to the new schedule and see what sleep hours seem to work best for me through trial and error. I'm lucky that I have a natural tendency toward nightowlism.
Sorry for the length of this essay and best of luck to you! Would that there were a yawning smiley face...
Please, go get counseling before you give up ---
It can really help you two see things in a different light and get to what is really going on. My situation was nothing like yours (different issues) when we decided to get counseling after 17 years of marriage. I was very doubtful it would help one bit and was ready to just get out. After 4 weeks we made some changes, did some reading, talked things over together and with the counselor, and today my marriage is better than it has ever been. I think it can be done if BOTH parties are willing to give and make some changes. Good luck. :)
Bankruptcy vs counseling
I went through an ugly, expensive divorce - after 22+ years. He had the girlfriend but he wanted me to loose everything and fought through several attorneys. I tried the counseling -- finally went through Christian counseling as their fees were the lowest and they seemed the most honest -- but after everything and to keep my house did file Chapter 13. I feel better doing the Chapter 13 as at least I am paying back something to everyone and did not leave them all hanging. Am paying back 25 cents on the dollar to credit cards. Just be careful should they offer you to cut down the balance if you will "pay in full" as what is not paid will be considered "income" and you have to pay income tax on it. I still do not feel good with doing the Chapter 13 and don't understand how a lot of people can do this several times as I saw in court when I went there. It is not easy to walk away from the debts that you made and truly owe but there are some circumstances that make it necessary. I for one am glad of the new laws as I don't think it is truly unfair to make people make an attempt to pay back what they owe, at least partial. Some of the counseling groups I talked with -- the ones with the best reputations-- were going to charge anywhere from $100 to $150 to handle my money and I could be putting that on a payment to a credit card and so Iooked long and hard. You can also negotiate directly with your credit cards but they put a "stop use" on them and you cannot be late with one payment. But make an attempt and you will feel better about yourself. Just my thoughts and experience. Patti
She needs to attend counseling regardless!
She will find a way around the restrictions you have imposed if she wants to keep losing weight. You cannot follow her around day and night. It is really easy to hide weight loss if one wants to. The longer it goes on, the harder it will be to get a handle on later. It took me YEARS to overcome this myself. Hope it works out.
I agree, she does still need counseling...
She needs to meet with someone who knows how to handle a situation like this. Going to counseling might also help you both learn how to deal with her better too. I might also add, while what you say you are doing sounds good and I think you should stick with it, also think of ways you can add positive reinforcement too. I think it would do her a lot of good if Dad could spend a little more time with her, doing activities, talking more, etc, something that would bring them closer.
I have sought counseling myself--sm
online, but I was not too successful in finding anything that was free. I thought I had found one once, but after I submitted my questions, no one ever replied. Guess you have to be careful with that too, or you may find your personal problems pasted all over the internet. Try doing a search, you may end up being lucky and find something worthwhile. Good luck.
I had similar experiences after my mom died (sm)
On my mother's birthday, after she died, the smoke alarms went off in my house. They were not in need of new batteries, nor was there even a hint of smoke in the house.
They continued to go off at different occasions, each of which was a "special day," either a birthday or a holiday that she enjoyed.
My mom was in marching band when she was in HS and pretty much made me follow in her footsteps. It was okay, but not a decision I would have chosen. My daughter inadvertantly, through a scheduling glitch ended up in marching band her first year of high school. She ended up loving it. At sleep-away band camp the following year, in the chaparone's quarters (where I was sleeping), the smoke alarm went off during the night. It was kind of funny though, because it went off in another chaparone's room and I didn't even hear it. The other chaparone told me about it the next day and what she went through to get it to stop (basically had to beat if off the wall). When she told me, I just smiled and said, "Oh, that was my mom, she just got the wrong room."
I always thought how proud mom would have been that my daughter ended up in band and even ended up being the drum major her senior year and what a difference it made in her life.
That was the last I've heard of mom.
I'm a strong believer in God, but somehow I think it's possible that those close to us have "ways" of letting us know they're still loving us, even though they have a strange way of showing it! Kind of like when they were alive LOL! ;-)
goes to show how much our experiences out here vary... Everyone comes from a different POV
I have had similar experiences with a company
doing that. Its the purpose of the production emails - to shame you into boosting your production to keep up with the others - whether the others are actually real or not has always been a matter of speculation to me....But you are feeling exactly what the sender wants you to feel! Terrible tactics to me, but works for some.
My experiences with home offices...
I used to have my office in the living room. It was really difficult for me and my family.
I moved it into the dining room ... again, was just a bad fit and crowded/cramped everything.
Finally I moved it to my bedroom. Now at first, I had my desk sitting out in the open and it became depressing. While I enjoyed the privacy and quiet (I could actually shut my door), it was all I saw when I was in my bedroom. That blank monitor staring at me, either making me feel guilty by not working more or making me dread going to work.
Soooo, then I got creative and I've been thrilled every since.
I pulled all of my clothes out of my closet and bought a beautiful armoire with drawers and a rod in the top to hang clothes. Beautiful asset to my bedroom.
I purchased a smaller but very nice desk and fit it right inside my closet. I have a lovely little lamp on my desk, streamlined all my paperwork to a minimum and put as much as I could live without (in tangible form) on the computer. Have a small vase I keep fresh but cheap flowers in. All I have is in the closet and I can close it up out of sight when I am done. I can store my books up on the shelf above plus I have a small CD player up there to play soft music while I work.
I did not want an ugly office chair anymore. I really liked my upholstered chair in my bedroom. So I had my son put rollers on it and now it is my chair. When I'm not working, I just turn it and angle it into the corner like it has always been...when I need to work, I just sit and slide right under my desk.
I could not be happier with this set up and it has been this way just over a year now.
It's funny how people have different experiences (sm)
Three of the best doctors I ever got to transcribe were podiatrists. We did clinic notes for one and did the op notes at a small freestanding surgical center for the other two. They were all great, lots of repetition, clear, lots of lines. Those were the days....
What other experiences have you had with clinic work.
I have worked for 3 local companies (including current)and this is how it is mostly done locally. The alternative was with no patient list and guessing at how the name is spelled because physician did not spell it. I do have all my addresses in a Word file, and if it used once it goes in there. For physician office accounts how do your experiences differ? The physicians are very resistent to investing in equipment on their end. It is difficult enough to get them to change from tapes to a digital recorder. I do agree that this system of doing things is awkward for the MT (me). I was just wondering what alternatives there are in dealing with clinic accounts, since is this is what constitutes the majority clients of companies I have worked for, and who I have worked for directly myself. I knew I was not making as much money as many of you. I guess this is one of the reasons.
My experiences while working graveyard were (sm)
both good and bad: Bad: During the spring/summer months, I wanted to be out catching the rays and walking the beach, but my body kept telling me, "It's time to sleep." Additionally, my diet was a little off; eating a Stouffer's dinner at 3:00 a.m. just seemed out of order. Also, I started watching those Judge shows in the afternoons, thus, not putting the lights out until about 5 p.m., leaving me only about 5 hours to sleep -- not enough for this bod. That experience taught me that I am definitely a morning person.
As you can see, experiences vary very widely SM
But--It's the future, so leap in! Figure out every way technology can do the work for you much, much faster. Start programming your corrections into your Expander from day 1. All of them. Not just a few main phrases, but virtually every word within them and every possible variable. Program in all your punctuation corrections. Like changing ". He " to ", he" and vice versa within at most 3 keystrokes. You'll do it all day long.
It's true people are making less in general these days, but any time I hear of people still being able to support themselves fairly acceptably I pretty much know they're still typing out most stuff out the looong way. Alllllllllll of it alllllll day looooong...... That's really sort of analogous to people who refused to learn word processing, insisting on staying with Selectrics and Liquid Paper. Back then, like now, we upgraded our skills or went broke.
And if you don't already, practice reading fast until you get that skill up there. There's a lot of reading to this.
Don't bother fussing about what a mess VR can make of some dictation. All that counts is what income you can make from cleaning it up. (Tho skimming through reports that just need a slight buffing IS a pleasure.)
My last thought is that this business is in flux, and it's true some companies are not paying equitably for this work. Yes, a greatly increased pool of skilled workers for each good job does mean pay has gone down for MT overall, but if you feel you're producing fairly well compared to others in your position and your income still has dropped signficantly over what you earned doing transcription, you need a better company. OTOH, if you've worked hard at developing these new skills and can't seem to do decently, it may no longer be the field for you. Either way, plan on being ready to move on if necessary. Don't wait many months to figure it out. Best wishes!
I have some docs that say totals if counseling is
part of the visit as they get paid extra for the visit with certain insurances.
your whole family needs counseling - including you. nm
nm
SEEK MARRIAGE COUNSELING NOW!
You need to be telling this to a marriage counselor. If your husband won't go with you, go without him. It will give you the insight needed to make this tough decision.
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.
You really need some counseling and anger management
tsk, tsk, tsk
Go to counseling and get guidance and structure.
It CAN work if he earns back your trust and is truly sorry. Counseling can help guide you through this process. It is truly worth a try. What have you got to lose? Good luck to you! :-)
Working on Master's in counseling and sm
I have had a hiatus of nearly 3 years. I could not decide if this is where I really wanted to go. Recently, I put myself back in therapy with my last therapist after a 5-year hiatus to help me decide. Two sessions and I can see the clear path back to it and yes, this is my "true calling."
I feel pushed to get out of MT because my hands are suffering after 15 years of this. I have 3 autoimmune disorders too. I am having energy problems and focus problems...pain and all that comes with AIs. I have trouble with consistently good line counts and I am working 2 jobs out of sheer boredom with the entire thing. It has nothing to do with no making as much money or ASR or any of it. It is my body telling me to move along. I also believe I would be happier as a counselor.
Travel to Florida/Disney - experiences?
We are planning a trip to Florida for the Daytona 500 in February - we are having problems lining up a hotel in the Orlando area that includes suites with kitchenettes and also has shuttle service to the major parks in the area. We want something in the mid range, maybe 3 star or 4 star, and will only have 2 tweenagers traveling with us - the rest will be adults. Can anyone recommend a place to stay with some atmosphere, pool area, restaurant, etc.?
We've been there before when our kids were young and stayed in very basic motels which was fine. We hardly spent any time at the motel anyway. This time, with some going to the NASCAR race, there will be down time for others, so a nice pool/outdoor area would be a plus.
This is a place to come where MTs can share their thoughs and experiences
I'm one of those MT who's very miserable right now, I admit that, because I've been looking for a good company to work for as an IC for a very long time now.
I'm glad there are other MTs out there who are happy and content and able to pay their bills, but for the time being (the last few months), I haven't had that luxury, and I need help, whether it be a good job lead or just the camaraderie of other MTs who really can relate to my situation right now.
Here I sit, ready, willing, and able to work (and work HARD and long) while the company I've been with since the beginning of the year keeps telling me they've run out of work. Meanwhile, I've been searching for another job, seems like for AGES, but even if I'm lucky enough to actually get a response, nothing has panned out for one reason or another.
My apologies for ruining the mood again. I'm just thankful to have this place in both happy and miserable times, because unlike others in my "real life" who keep telling me to get a REAL JOB (uggghhh!!!), this place is frequented by other MTs who really do understand.
By the way, I have 15 years experience and do multispecialty clinic and hospital work (except ops), if anyone's looking for a dependable, reliable, hardworking IC MT. I will do ops, too, if anyone wants to give a noob a shot at them..
Thankful for this board.
The family can get free counseling through hospice even
if their mother was not a hospice patient. They have programs that the family participates in together and just programs for kids too. If they are able to associate with other kids that have experienced what they have that would probably be a tremendous help. They don't just talk about their feelings, but do activities and play games and just be kids, but if the emotions come then there is a trained person to help them.
Sounds like the dad could use some counseling too and maybe just a break from being a parent 24/7.
Get marital counseling for the sake of your children.
You probably could stay there your entire life and manage but the kids deserve better.
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