He files for bankruptcy -- that's how
Posted By: MTTOMANY on 2008-07-10
In Reply to: Several posts back in 2005.... - sm
I have heard that he filed for bankruptcy a couple of times-- therefore not forced to pay the IC people. However, enough of this crap has continued on and Toth should be shut down!
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MQ-Bankruptcy
I don't think that you would have to worry about MQ going the bankruptcy route but I would think that they would be bought out by someone else. I don't know what numbers that other person is looking at and giving such a rosey picture about MQ but all you have to do is read the latest SEC filing report that MQ put out on Aug 19th . Due to their problems with the SEC, all financial manners need to be made public so this info is out there for anyone to see. They clearly stated that they expected their revenue to continue to decline and it also states the millions that are being spent on lawyers for the 6 lawsuits and the amount of money spent on buy out contracts for the higher ups, the amount is unbelievable and keep in mind that as far as I know, now of the lawsuits are settled so the lawyer fees will continue rising. Go to Yahoo stocks, put in Medquist and you can read all this yourself. I think their stock is under MEDQ. If anything they are setting themselves up to be bought out by someone else. Anyone else have any thoughts on this???
Bankruptcy or not??
I am deeply in debt after the birth of my son with a pending law suit. Have any of you declared bankruptcy to later regret it. Right now it looks like a good option but I am not quite sure I am ready to give up quite yet. Any options or advice would be appreciated.
Thanks
Bankruptcy
We just filed bankruptcy last year, chpt 13. The only regret I have is that I put myself in the situation of being in trouble. We were about to be sued also, but a company that we were actually making payments to and I was in contact with them every week. I previously did collections, so knew communication was key, or so I thought. I do not regret filing it, as it is a lot less, a whole lot less stressful since we filed. I just have guilt about being in that situation. I think you have to realize that the relief of the stress of a bad financial situation can be very good. My husband and I were on the edge of a cliff called divorce, my kids were suffering the "bad moods" that all the financial stress put us in, and then I had surgery so our payments to everyone had to go down during my 6 week recovery and that is when they got nasty. Bankruptcy helped to save my marriage, and gave me peace to be able to spend more quality time with my kids too. No regrets about filing! I would do it again in a heartbeat to reap the peace that came from it. Believe me the peace far outweighs the guilt I feel for being in a bad situation. I hope this helps. Financial stress is the worst!! Just to add, if you do decide to file, just remember the important thing is to learn from the experience. I have a friend who has filed 3 times and has not learned a thing:(
Bankruptcy
Bankruptcy is never a good option. Not only does it stain your credit, it is not honorable.
bankruptcy (sm)
I'm becoming overwhelmed in debt. I have taken a pay cut at my job, am in school for a new trade, and have been using my credit cards to pay bills, on top of usual cost of living and upside down on car loan, and student loans are looming. I feel like i'm going to be swallowed up, i'm a single income. I have a panicky feeling about this, i'm around 35K in debt, and this year i'm going to make around 30K (if that). How hard is it to file? What do I need? Any personal stories? Is it easy? I need relief from this Any advice welcome!
Bankruptcy
Both my daughters had problems and went through Consumer Credit Counseling Service--not one of the so-called credit agencies floating around that aren't legal, the CCCS is pretty good. Also, in Ohio, where I live, don't know if this is everywhere or not, before you file you have to attend a counseling session to see if you are even eligible!! And then perhaps go through the court system to try to pay off debt in three or four years instead of a complete bankruptcy. My grandson is going through this now. I personally have not ever filed but do feel empathy for anyone in your position. Perhaps you have a relative or friend who could help temporarily?
Bankruptcy. sm
Contact your credit card companies and try to work out a lower interest rate. Tell them (honestly) that you are on the verge of filing. A friend of mine did this and rates were lowered considerably.
bankruptcy
any suggestion what to do then?
bankruptcy
I will do that now. All communication has been through e-mail. I have the bounced check of $8196 with me.
When she sent two checks last time, she said someone at courier company must have tore the envelope and took out one check and insisted that she sent two checks only. I received only one.
Not only this, she is an expert in fooling and now it seems I am an expert in getting fooled!
Anyone more updates on MQ bankruptcy?
 When I read that note on this board a week or two ago, it got me really worried. I'm working really hard right now training on a new MQ account, and the thought of losing my job in the near future makes me want to cry. Any feedback out there? Does anyone know what's going on?
CH 13 bankruptcy & tax refund? anyone know? sm
Do you get back ANY of your tax refund? Who asks how much you got? and then what?
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
Bankruptcy, after the fact...
I would do everything you could, credit counseling, combine debt, anything but file for BK. It is so hard after that if you ever need anything that depends on your credit. Most things you CAN get, but at outrageous percentage rates. Some things you won't even be considered for. Right after I filed I had to take my dog to the vet and she needed surgery that cost about $2000. They give credit to people... with good credit. I had to borrow money from my dad on that one. I don't know what would have happened if he wasn't there for me. Then my A/C broke down... again, no credit. I was struggling to make my credit card payments, but I knew I could keep paying them down until a family member told me how easy it was to file BK, so I did. I still regret it.
Converting voice files to digital files
I have a Voice Solutions dictation system that will happily convert DS4000 voice files to digital when they are downloaded (wave files). However, it will not recognize any other files for conversion. I had a physician download .WAM files from his DS-30 and my dictation system would not convert it. Anyone have any suggestions? I would greatly appreciate any input.
Thanks!!!
Bankruptcy - it won't happen -- don't worry!!
MQ is strong, improving, and moving forward in a confident way. Look -- i've been through the worry-mill over this, plenty enough for both of us -- did some figuring, consulted some business people -- took on a second job awhile -- and finally came to the conclusion, all is well and there was no need to worry about things that would likely never take place. Believe me, if there was good reason to jump ship, i'd have been long gone. Relax, you'll do a better job and be happier. Its going to be fine, and i'm not a better, but i'd bet the farm on that (literally).
This is the worst thing you can do, next to bankruptcy...
Any accounts included in a consumer credit counseling plan will show as "closed by creditor" on your credit report and will really pull down your FICO score. Also, CC companies normally will not lower your interest rate unless you are at least 90 days delinquent. They will then because at 90 days you are close to a charge-off. If you go 90 days delinquent, of course you have just damaged your credit.
Occasionally, people with a top credit rating can negotiate a lower rate, but only if they have a relatively small balance and threaten to close the account.
It all started with a discussion about bankruptcy or something like that.
With this new board format, the name and email automatically get carried over to your next posts. Honestly, it doesn't matter to me what name someone uses. Sometimes you have to let people on these boards know your areas of expertise or else they'll keep on arguing even when they know nothing about the topic of discussion. I happen to like fbm (former bank manager) because she's real and knows what she's talking about.
Bankruptcy is not that bad- filed earlier this year and
bought a truck 2 months ago and I am currently working with Lending Tree to buy a house and hope to close in the next month. So there is life after bankruptcy.
I can't do bankruptcy as I own some property with people (my only asset) and I don't - sm
want to have to sell that or even have them know my problems. I know my meager Roth IRA and car would be safe, and I have no assets to speak of and really don't want to sell all my belongings though it would neaten up the house some (not my house). But as I said 3-5 more years tops and it will be gone then I will be doing quite well as long as no more disasters strike in the meantime. Feel like all I do is work but it will be worth it in the long run and I just don't want to deal with bankruptcy. I had a friend do it and she has done well. Has since bought a new home (had a $25K settlement from a car accident after her bankruptcy) and is doing okay, scraping by but managing. Has bought several cars (used) after the bankruptcy, had a killer interest rate though, that is where they get you. You have very high interest on any loans for a while until you can prove yourself. Do what you need to do for yourself.
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
You need to consult a bankruptcy attorney on that one. Good luck...
I can't ever remember a question of bankruptcy on an employment application. They usually just as
s
Did you save files in .rtf format? The files need to be
as a Word document or it won't count them. Could be the problem.
Talk to an attorney. The bankruptcy laws have changed considerably in recent years and you need to s
x
Most companies do no use their only files (HIPAA). They use files provided by other companies, serv
If you can get through the test files, then the sound quality on the actual company files is better. And, the dictation is never as bad as the test files, plus you have QA to help with hard blanks.
wav files
I receive my wav files via an FTP site and return the completed files the same way. I have a digital voice file player program on my computer, with a foot pedal, and play them that way. I type in Word, save the file, and send them back via the FTP site again. I like it alot, but the program costs $200 including the foot pedal. some have demo versions, like express scribe, I think, but I have heard alot of complaints about foot pedals not being compatible with it. email if you have additional questions.
FTP files??
I am really curious about these FTP files I see. Someone has suggested to me using FTP and a digital drop box through the internet, rather than using email to send and receive. Could someone email me and explain more about this to me.
TIA
wav files
Hi, I am assuming that you have a digital wav player and foot pedal, that it is already installed and operational?? I hope so. Anyway, you need to download your wav files to a certain folder where you will be able to *find* them. I download mine to a file folder I named *new voice files*. Your digital voice file player should have an area labeled *jobs* or something similar. I have Start and Stop digital voice player. once I click on the *jobs* button, a second window opens and there is a button called *settings*. Click on this, and you have the option of where to select your *new voice files from*. there should be a *browse* button so you can locate where you downloaded the wav files to. then click *ok*. You may have to close the *jobs* window and then reopen for it to take effect. Once reopened, all the downloaded jobs should be there and you highlight which one you want to play next. You may also have to click the drop down box in the file where you placed your downloaded files and click *all files* for them to be viewed. If you have any other questions, please feel free to email me. good luck. ks
FTP files
Try downloading your FTP files to your "My Music" folder. After you're done make sure the files appear in the "My Music" folder. Then when you bring up the Express Scribe and click on load the files should be there. Good luck!
Wav files
I work for a local company that has been using cassette tapes to do their work, but they have decided to try and do wav files on CD's. My question is - What exactly do I need to purchase in order to transcribe from this CD? Do I need just a wav pedal or do I need a pedal and software to go along with it? My company doesn't know because this is all new to them too. ~ Do you have a good wav pedal brand to recommend? Thanks in advance.
FTP FILES
Okay, this is probably a pretty dumb question to most of you, but what is an FTP file? Is this something that all computers have, or do you have to download something to access this capability. I have been an in-house Transcriptionist for 14 years, and we still transcribe from minicassette tapes. I worked for services many years ago, and again we transcribed from tapes. I am thinking of doing some part-time at-home transcription and see this term being tossed around. Could someone tell me what it is?
DSS files
I do dictation for a doc in Arizona and he uses DSS files. At least that is what my file extensions say when I D/L and U/L them. I go through a site called MedeDocs. They are in Texas. They use FTP to send things over the 'net. It is really easy and user friendly. I like it. I am goign to assume that my doc in AZ has a handset of some sort too. I am hazy on the details. I just type the reports. LOL.
.dss files
I am helping this girl get her computer to play these files. She had her OS reinstalled (windows XP) and now the .dss files show up with 0 duration. We have installed every codec and made sure that the .dll was in place. We even installed an olympus player on her machine in case there were other codecs needed by windows (thinking surely this would resolve the problem) but nope! Olympus won't play them either.
I know it's they are valid files because I had her email one to me and I can play it. When I go through explorer and tell it to open with windows media player or olympus, and even start/stop, nothing. I am completely at a loss.
Right now, she is loading them into olympus, converting to wav then loading them back into express scribe, since she has a pedal for express scribe.
If there's something we missed or can do differently please let us know!!
Thanks!
dss files
Does the Olympus IN-USB-1 foot pedal play dss voice files?
.zix files????????
How do I open a .zix file? I'm so confused right now
FTP files
Help! I am stuck in the 20th Century. I just applied for a job (not medical) where I may have to use Express Scribe or FTP files. I think I can handle Express Scribe, but what are FTP files? What do I need?
FTP Files
FTP is not really files, but a way to transfer them. FTP stands for File Transfer Protocol. I use FTP for both of my MT jobs. It is easy as pie. Think of it as two computers sharing information. I copy my jobs from an FTP site onto my harddrive and back again everyday. :-)
Unfortunately, if she files (sm)
bankruptcy she will actually be protected. You will not be able to post the information as you will be barred by the bankruptcy order; in fact you will need to cease all communication with her regarding the amount owed. She will not need to shut down her company to file bankruptcy. She can file initially for the "relief" it will afford her and go from there, i.e. reorganize, etc.
I was just throwing the thought out there. I think what she did is absolutely wrong and horrible. How the heck can you afford to work for free though for her? Basically, that's what it comes down to isn't it?
Good luck.
DSS files
I am curious if any of you know about DSS files. I have an interview with a lady tomorrow for a contractor position. She said they use an Olympus DSS system and I would need to purchase an Olympus DSS foot pedal. I have 9 pin, 15 pin, and USB pedals. Wouldn't one of those work with DSS files? Any info would be greatly appreciated as I do not have $300 to invest in a new pedal!! Who does?? Thanks in advance
DSS files
DSS is a type of file. Other players will play that type of file. The woman I worked for used the Olympus DSS Player in the office with the doctors, loaded the work to a TASP, and the Transcriptionist downloaded the file to be played with Express Scribe. You didn't even need a foot pedal at all. Hope this helps. 
DSS files
You can play DSS files with the DSS Player Lite. You can download it for free from Olympus at http://www.olympusamerica.com/files/DSSL211E.exe
DSS Player Lite will also play .val, .wav, and .wma files.javascript:editor_insertHTML('text','');
DAT files
Is there a freeware or shareware dictation program that plays DAT files?
RE: DAT files
I use Quick View Plus to view DAT files when i get them. HTH
http://www.avantstar.com/Products/Quick_View_Plus/QuickViewPlusOverview
old files?
Do you have a big list of old audio files or are they set to delete themselves? You can go into Recover Old Files to check.
I don't even know what .sri files are, but...
the website does show that it should play them ... VoiceIt sri files, anyway (under Supported File formats).
http://www.nch.com.au/scribe
You might try converting them to another format using Switch file converter, by NCH also and a nifty little program, if you can't figure out how to get Express Scribe to play them, though.
http://www.nch.com.au/switch
.sri files...........
The site does say it supports those files but it doesn't. They won't convert with Switch file either. The files are produced with a VoiceIt recorder and I have found others looking for an answer as well as to why .sri files won't play on Express Scribe. They have gone the same route with no success. I found that we need software that comes with the VoiceIt recorder in order to play these files, as those files are proprietary to the VoiceIt recorder and Express Scribe has to have an "add-on" in order to play these but going to the "nch" site only sends you to a zip file that doesn't open....
others have had this same problem so just wondering if anyone has had success with Express Scribe and these files...
Conversion of wav files - sm
I got a wav file that opens into Windows Media. I want to be able to get this into my Express Scribe. Is that possible and if so, how?
Thanks for ANY help.
Conversion of WAV files
Yes, you should be able to play the WAV file in Express Scribe. What you need to do is find where the WAV file is located (such as c:, which file folder, etc. etc.) If you don't know where the file is located, try using windows explore and search that way. You will then need to open up Express Scribe and do a MANUAL load. This will give you the opportunity to specify where the file is located. You should then be able to find the file and load it. You may, while in windows explorer want to move the file to a location that is easy for you to remember,thereby making it easier to load in Express Scribe. I've had the same thing happen to me several times...it's frustrating until you get the hang of it. HTH.
If the files have been "zipped", you need
a Winzip application to open them. You can download a free version on their website. Do a Google search.
Sound files
I thought it was just me but my group sometimes uses hand held recorders and you are so right--it may be a simple word but it just doesn't always come through clear and I feel like a fool leaving a blank when I've done this job for 30+ years. The comment about a tin can is SO appropriate! I use Express Scribe and MOST of the time the dictation is fairly clear--although (guess I'm old fashioned) you can't beat the clarity of a Dictaphone tape player. It is always clear as a bell and I really HATE to sell mine; however, no one seems to use the tapes much anymore. Such is progress--even if it isn't really better at all!
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