I also need debt help. Any advice.
Posted By: We are behind on the mortgage on 2006-04-11
In Reply to:
because of slow work this winter in MTing, but now with a new job, maybe making more to finally get caught up, our mortgage company is threatening us. I only owe 1700 over but that is a lot when you don't have it. This is not FHA loan. Has anybody else been in this position and what did you do.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
Considering they have just gotten out of debt,
it is very accountable for them NOT to get back into it by donating responsibly.
how far are you in debt?
 Just curious as to where I stand, thought it would be interesting to find out what the average is in a forum like this.
school 3200 (in forebearance at the moment, original loan 6000 in 1994, three deferrmants)
car 6000 (1999 chevy, original 12,000, backwards on loan, brakes going fast).
credit cards 8400 (just paid 2000 to one, first priority to pay off, debt contributed by ex).
hospital 4000 (major operation, no insurance, total bill 10,000 in 2001, lived with parents almost a full year to pay off half).
Well, thats mine. Please share yours.
debt
Approximately 25K. Would love to have a plan that really works to pay off in 5 years. Anyone know of one?
If you are truly serious about getting out of debt....
I would really suggest getting your hands on a copy of "Total Money Makeover" by Dave Ramsey. It has changed the outlook of our family totally and we are on our way out of debt one "baby" step at a time - we've already paid 3 credit cards off and are going to be debt free (including our vehicles and our mortgage) in less than 5 years - credit card debt (to the tune of about $28,000) will be gone in another 17 months. His method is working for us. We tried debt consolidation by credit card and by "equity line of credit" but this only treated the symptoms and not the actual problem. Hope this helps you if you're TRULY wanting out of debt. It really motivates you as you go along, too ! Nice to write those zero balances off of our refrig !
Thanks for the input. It's not debt, as we
don't have anything besides a mortgage and one loan. It's just tracking the finances. I've been thinking about switching to a cash basis for everything instead of using checks or Quicken. It would speed the process up a lot by not having to balance the checkbook or enter everything into the computer. I already spent an hour this morning trying to balance the checkbook because somebody can't save receipts, write down amounts or use duplicates. I give up...
When the CC debt is paid down
9 months and counting, then I can relax a bit
True, this is just until I pay off some debt. And 1 job
p
Unfortunately, CS seems to be the easiest debt to skip out on
You'll get into more trouble if you bounce a $25 check. I have used one of those private agencies because my ex had moved out of state and once that happens, if the ex doesn't want to pay and moves around in jobs, you can pretty much forget about getting anything.
The private agency works a lot faster, but the contracts are very complicated and you are pretty much signing up for the life of the CS obligation; otherwise there has be nonpayment of CS for a year before you can end the contract. And yes they take a big chunk of money but at the time I thought it was better than getting nothing at all.
But in the end, once payments have been established, the private agency ends up filtering the payment through your local CSEA anyway.
I think your best bet is to use some kind of locator service and if you can get a good address provide that to your local CSEA.
I wish they had an "America's Most Wanted" for deadbeat dads/moms. It's amazing to me that it is seemingly so easy to stop paying, change jobs, and just not be found.
About 50K in debt not counting mortgage. nm
x
I also tried debt settlement and I am now also being sued.
I spoke to a bankrupty lawyer and he said absolutely go for Chapter 7 but I guess I just wanted to here from somebody else who has been there. Thanks.
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.
Desperately need debt consolidation help.
Can anyone recommend a reputable debt consolidation service that they have used to help successfully get them out of debt? I just want to break down and cry, but we have to do something as our credit card debt/medical bills are through the roof and unmanagable due to tough times findings jobs, etc. Thank you for any advice you can give. 
I knew someone that did get in debt overnight due
to illness. The bills were higher than any loan would cover and they wanted their money then. In that particular case, BK was the only answer and this person got it in about 1 week before the new law took effect. The individual will be able to purchase a home I believe within 2 years and has already received offers for credit. That was under the old law.
The new law makes you take a course I believe 6 months before you can file. I believe you have to qualify if you want all your bills discharged and they make it harder to get that done, i.e. you have to make a certain income only and anything over that, you have to pay back over time and it is still BK.
With the new law, I would weigh it carefully. Not everyone has emergent medical illness which might necessitate taking this step and it is automatically assumed they mishandled their affairs. This person raised her children alone and just did not have extra money in the bank for bills totaling over $150K. In that case, she was warranted in filing.
caused me to go severely in debt
that 10 years later I am still recovering from - was writing checks on charge accounts to pay mortgage - this was local and when I would go to her house to pick up and drop off tapes I was seeing boxes from QVC yet she said she wasn't getting paid. Still angry.
How? I've done pretty well staying out of debt, but
I'd like to get some money set aside for retirement and pay off my home. Any advice you can give?
If you have the time to get down and dirty with some low-life bad debt,
As for me, I live and learn. Ever hear the phrase cut your losses. The more time you spend chasing down a bad debt the more loss you incur.
Because it is hard work to collect and once you know a company is a bad debt,
Got to know when to hold them and know when to fold them. She already lost on doing the work. Now she loses doing the collection work.
Bank debt/check card? Same thing?
Is the prepaid visa card the same as a bank debt or check card?
I did. I never have regretted it. We filed 7, I beileve. All unsecured debt was wiped out. Kept my
xx
Advice to YOU..1st learn to spell before insulting poster and trying to give advice...sm
Sound advice from a fellow MT if you want advice or support (sm)
I have been an MT for over 10 years. I also am getting burnt out, tired of my job, day in day. However, I do love transcription and make excellent money at it, have grossed over $50,000 per year the last 5 years. I decided to go back to nursing school and am very happy with my choice. However, over these 10 years of transcription I have had my ups and downs. My biggest issue with being at home working is lack of socialization, being home day in and day out with just the kids and the animals really gets to a person, sure hubby is home at night and thinks working from home is the easy life, thus the return to school and boy has my overall enjoyment of life changed once I realized I was the problem, not everyone else and I needed to find myself again.
Anyway, my biggest advice to you three-fold:
1. Get into counseling for yourself, find out who you are and what your needs are, whether or not you think you need to, I sense you are feeling overwhelmed and need someone other than your family to talk to that can be nonjudgmental to your feelings and needs.
2. If you're only making $100 after you pay preschool you can either keep doing it and be miserable, or quit because you are lucky enough to have a husband who can support the family without your income. (See how fast his mind changes just by losing the income you do have as to whether your job means anything.) Or look for a different company or office that you like more and are more productive if you really want to do transcription (lots of fish in the sea as far as companies).
3. Find a local "mom's" group where you can get out and socialize. MOPS (mother's of preschoolers) is an excellent one that is nationwide, they have a website. Also Mom2Mom is in a lot of areas. They provide a once a week time for moms with kids the same age to get together, socialize, (some offer spirtual guidance some don't) and each week a different mom takes a turn watching everyone else's children at the facility that hosts it so the other moms can talk about things they have in common. Every stay-at-home and work-from-home mom needs to socialize with adults, without their kids, or they will have a nervous breakdown eventually no matter how much they love their kids.
Sorry so long but it does get better but you have to take the first step at making yourself happy.
my advice
would be to get an MT job that pays by the hour until your experience and accuracy come together well.
I believe that MQ will pay by the hour until you reach "production" -- but i am not sure if there is a time limit on that. I believe i've seen where other companies do this also.
I admire your refusal to quit -- i believe that is one of the essential traits of a transcriptionist. Hang in there. Very little worth attaining comes easy, you'll make it.
Need some advice
I know this isn't MT-related, but it has gotten me so upset that I can't work, so maybe it is MT-related after all. Anyway, if anyone has been in this situation, can you please tell me how you successfully handled it? My son wanted to go away for the weekend and asked to use my credit card to secure a hotel room. We went online to Hotels.com and found a nice place. I put in my credit card number and was given a room confirmation. I then received an e-mail from the hotel telling me there were no rooms available. I called the hotel and they told me I would have to address it with Hotels.com since they were the ones with my credit card information. I called Hotels.com and they told me that my card had been swept for the entire amount of the stay ($276.00!) but since there were no rooms available, the money would be credited back to my account. I got my credit card statement yesterday and they only credited back $71.00 of my money, causing me to incur and over-the -limit fee of another $29.00. I don't know where to turn to get this problem resolved. Do I call Hotels.com and ask them to reimburse my over the limit fee? Do I call my credit card company and tell them that it was Hotel.com's fault for hitting my account for the whole amount when they said they weren't going to? If anyone has been through this kind of thing before, I would really appreciate your input. Needless to say, I will NEVER use Hotels.com ever again!! Thanks in advance for your help!
Well said! I will take that advice.
Here's some advice from another old MT
Give Medquist a try. I know there's a lot of controversy surrounding MQ, but there is a lot positive about the company, too. The transcription platform is very, very easy to learn and quite MT friendly. Set your boundaries about the number of accounts you are willing to do right from the beginning.
You will never have to worry about not getting paid on time. If you need no benefits, go with the statutory employee status. There's flexibility with that.
There are apparently many MQ haters on this board, but there are many more who are happy with MQ. They just don't happen to spend a lot of time posting here.
Whereever you land next, may it be a great fit for you. :)
Need advice, please --
My 15-year-old niece has confided that she has met a boy through an over 21 chat room and has been emailing him (supposedly, he is 18). He has been to her house, and her parents have met him and they think he is a nice boy, but they have no idea how they really met. I have serious reservations about this and feel I should tell her parents, because even if this one is very nice, he is still too old for her, and what about the next one?
Advice
Learning a secondary account can be challenging but it also makes you a more well-rounded transcriptionist. The more accounts, the more doctors you work on, the better off you are in the long run. If its hard at first, work that much harder to learn it. You can't have to much experience!
Need advice
I just wanted to see if anyone had any advice to give.....I have been debating changing jobs. I currently make $15 an hour doing transcription in office. The delima I am having is that the whole reason I started doing transcription was so that I could work from home. I have been doing transcription for 4 years and my job is really easy and I am happy with the money, there are however other down falls with the company and I am not able to have the flexability of working at home, therefore dealing with the stress of not being able to always be there for "home" things. I have three school age kids, and they are all very active. My question is....Do I have a chance of finding anything else working at home or do I just try and suck it up where I am at??? I really have not started looking, so I am not sure what is actually out there. I hate changing jobs, but I also don't want to settle.
Just need some outside help and opinions! Thanks, KL
RE: Need advice
Don't forget your taxes. You can really wind up in a mess if you don't get on top of that right away.
Need Advice! What would you do?
Want opinions about something which has come up at work and need some advice. I am the lead Transcriptionist in a department with three other people.
Last year, one of our physicians in the practice was fired and rejoined another practice in town. He currently has a lawsuit against the company about the firing.
Today, I saw letters typed by one of the girls in the my department for this particular doctor. (because this patient switched physician groups). Apparently she has been working for him on the side since October of 2004. I am not sure if she is still typing for him or not.
My question is this, would this be something you would bring to the manager's attention, talk to my coworker, or just let it go.
On one hand I feel she is being dishonest and not loyal to our current company. I do not know if she is saying anything about our practice to the other doctor or not. Also at looking at the letters, she set them up exactly the same way we do. Isn't this considered a conflict of interest?
Any advice or help would be greatly appreciated!
Re: Advice - sm
My question - is she using YOUR company's equipment to do this typing? Is she doing it on YOUR company's time? THAT would be a NO-NO to me, along with the other points you mentioned, it doesn't seem quite the kosher thing to do.
Thanks for the advice!!! nm
nm
Thanks for the advice!
That does sound reasonable. Anything to get my foot in the door would be helpful.
need advice
I worked for a multispecialty medical center for 6 years that shut down and sent all transcription out to a service. I got a job with spheris. I love the company itself, they are great. But the problem is money. This is my first experience with production pay. To make what I made by the hour, I would have to produce 1500 lines a day. I am now producing about 1000 a day more or less, depending on how much research I need to do, if my cable or power goes out or if their server goes down or is slow.-- I do ER, consults, admit and discharge summaries, no operative reports. Cant really use a lot of expansions, only for simple phrases or individual words, no macros, mostly straight typing. I figured once I got used to their system and compiled all my provider samples and got my Expander glossaries pretty much built I would improve, which I have, but I really cant see myself ever doing much more than 1200 a day, and that would be with no "P" breaks. I am still having to stop multiple times during the day to enter drug names in my drug glossary so I dont have to look them up all the time to see if they are generic or brand names-their spell-check doesnt have automatic caps, which is another problem for me because I am having a hard time training myself to hit that shift key, I am constantly entering text into my expander. The terminology is not a problem for me.
I am reading that a lot of you guys are doing 400 lines an hour.!!! My previous job didnt have a word expander, so I know I need to utilize that better. How do you do it, what am I doing wrong, what can I do to improve, do I need to just forget it and apply at Home Depot? I LOVE transcription!!!!
Looking for advice
Hey, anyone in the Portland/Beaverton area I could speak to about the "real deal" in MT work in the current environment? I'd really appreciate it. Off line at moosefeather at msn dot com :)
My advice to you
You are doing just fine. Trust me, having kids makes it more difficult to get more work done, but you will soon find a good schedule that works for you. I work for Medquist as an SE and am able to work WHENEVER I want which makes it much easier for me, considering I have 3 kids, ages 7, 3, and 2. Your average of 500-700 lines a day is really good for just starting in July. Don't fret, this is one job that you only get better with in time because you become more used to the doctors and type faster, and don't forget to keep adding to your word expanders.
Another tip I can give is to only work when your child is sleeping, otherwise it becomes too much of a distraction to have your child awake and running around while you try to concentrate on your work. Not to mention, it could also be dangerous if you can't see or hear them like you should.
I appreciate your advice and will certainly
take it to heart.
Just wanted you to know though that I already know the information you posted. I had an MT business for 5 years. I've done MT work for 25 years.
I may be new with MQ but I'm no where near new with MT work. This isn't my first time to do IC/SE work either.
My rainy day money isn't going to the govt. It goes for what I want it to. I've been self-employed for a few years now. I know what I'm doing.
Thank you for your advice though!
Advice to MQ.
This advice is given too late, but for future reference...
When you have a new program, just send the information out.
Telling people a month in advance that you are going to send the information out is just upsetting. Calling people on the phone to tell them they will get information next month but you cannot answer any questions just makes everyone more agitated.
If you think you were offering a teaser to get people excited, I am sorry to say that it backfired. As you can see from reading this board, everyone is just nervous and upset. Some people are out looking for other jobs because they think they are going to lose their SE position.
Big mistake......
advice
I quit over 3 years ago. I decided that I couldn't just slack off or use something to help me, I just set a date and totally stopped forever that day. You feel really bizarre for a few days and I still wanted one for probably a year or more, but that was the only way for me. Just stop. Also I chewed lots of gum all the time. I think I probably did gain weight but I got pregnant right after that so who knows what the weight is from.
But it really does make you feel better in the long run and I have a friend in her early 20s whose parents are both already dead because of lung CA (she still smokes, not a big lesson learner).
Anyway, good luck and just stop!! Just make your mind up right now!! Just buy your last pack and don't buy anymore!
Need some advice
Wanting to change from Hospital to working at home and a little confused about what some services are looking for as far as experience like what is basic 4 experience?
My advice to you
HEY BUTT HEAD - SIT ON A POPSICLE STICK AND SPIN
Advice
I think the best plastic surgery that you could get would be to have your pie hole permanently sewn shut so that no one would EVER have to hear your disgusting voice again. Also, as an added benefit to us, get your hands sawed off so we wouldn't have to read your posts! Then you would be really attractive. Kind of seen but not heard. WOW that would be GREAT.
You need some advice yourself
What is so deranged about Barney? You guys attacking right off the bat are making it less likely for people to post because of their fear of being attacked. I don't get it. Why don't you just let BARNEY alone and move on. If people want to respond let them, because if you can pull up a post that Barney is attacking, being nasty, threatening, or being down right obscene, then please share it with us.
If we all are going to be compared to Zipper and MQLOVER and so on, then you are going to see less and less responses from people and that will be thanks to you MQx4. 
Advice
If you want to work for a national, go to one of the major schools, Andrews or M-TEC. Don't go to a podunk internet course that is cheaper, but will make recruiters immediately toss your resume. We do that. We also tend to not get real excited about "hometown" courses, because we don't know the program and don't have time or interest to do the research.
You are selling yourself to the recruiter, so do whatever you can to catch their attention. Good school, good test scores, literate communication. Also--be professional, not cute. No cutesy backgrounds in your emails, etc. Put your experience and/or MT education at the top. I don't want to know that you worked at Gussie's Gas and Go, have experience in parenting, and own a rescue dog. I really don't. Just give me the absolute basics that will make me go "hmmmm!" and, even if you don't have a ton of experience, if you've gone to one of the top schools, I'll look at you.
OH! Also, don't use that silly line about "I have 2 years of experience" when all you really have is two years of schooling. Big difference. I'll toss MT's resumes from one particular internet school just because they dare to try to get that one by me. Don't know if the school promotes that angle or not, but it doesn't fly. Experience means that you're out on the job, without a net, making money--not that you're having every report scrutinized by a teacher and you're paying them to do it.
Wow, I guess I've gotten a little off course, haven't I? Would just like to see you head in the right direction (according to me, of course) right off the bat.
Best of luck, and enjoy the process!
Here's some advice....sm
don't wait until the first of the year to get away from this maniac. Since you said he can be violent at times how do you know he won't seriously hurt or kill you before then? Every case of domestic homicide always has had a history of violence before the violent person killed the victim.
There are battered women shelters and homes that you can move to until you can get on your feet and get your own place. If you can't afford getting your own place now please pick up that phone and call for help. In a lot of cities if you call 211 that will connect you to someone who can give you this information, and if 211 doesn't work in your area get the phone book and look on the front cover.
Be sure that you and your child receive counseling for dealing with this fool. I would personally never put up with anyone that lashed out at my child like that and your daughter needs to know that you really are sorry by showing in your actions that you're breaking away for good as well as getting her some counseling to deal with it. If money is tight there are usually counseling services available for a sliding fee scale.
Lastly, when you move don't let this idiot (boyfriend) know where you have moved to as he may start stalking you. It happens a lot. The folks working with battered women can help you get moved and obtain additional housing without him being able to track down where you're at easily. Since you mentioned working at a hospital you can also put security there on alert that he may try to visit you there and to be available to kick his butt out and have him arrested if he breathes towards you in the wrong direction.
I applaud you for deciding that enough is enough - now be sure to followup on your plan and don't let him try to sweet talk you with crap like "I'll change." Rarely does an abusive person like that change.
Good luck!
took your advice
I did much better today. Thanks for the advice. I was able to get over 1300 today
Need some advice
I got a job offer finally for a full time medical transcription job...I have had a part time job for about a year and I just took a full time job in another place (not Medical) being an Senior Closing Coordinator for a title company (pay is not bad) and I love my new job.. but the drive is long and I am married but I do not have kids so its not like I have to be home... anyway I love my new job.. hmmm the struggle with all of this.. getting paid by the hour not having to worry about a line count is not bad along with a 401 and medical benefits.. Its a shame the industry does not treat us better.. I guess I just stay part time and work as an IC it is best
Thanks for the advice; I appreciate
I wondered if the bigger one would be better, too, so your post confirms it for me. I think I will get the programmable one as well. I can think of times it would be handy. Thanks again.
advice...
No, you are not out of line. Yes, humans make mistakes - but that is why they make spellcheckers, and why we proofread.
You are very nice to offer more money, but really, the reports should be perfect anyway if she has that much time, has done the same dictator for over a year. I would look for someone else - she doesn't take her job seriously.
Advice
I have tried both OSi and just finished up with Transcend, they both are horrors from hell. Transcends working platform is totally screwed up and you have to look all the demo stuff up, very hard to make money. The people/sups and all, so-so. I am now looking again myself. Wish there were a really decent company to work with. I am so fed up with the misrepresentations of these companies, etc. They want to make AL of the money and pay the MT peanuts is the way I am beginning to feel. Anyway ... good luck. HANK ...
would you like some advice from me?
|
