I can't ever remember a question of bankruptcy on an employment application. They usually just as
Posted By: about arrests and crime. nm on 2006-02-27
In Reply to: Deeplyindebt - Indebt
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- Deeplyindebt - Indebt
- I can't ever remember a question of bankruptcy on an employment application. They usually just as - about arrests and crime. nm
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job application
Once upon a time I held the credentials of RHIT,but let that lapse. I am filling out a job application for a transcription job. Do I leave it in? Leave it out? Put in the years I was accredited? Thanks.
no, but had to on an application
and only the last 4.
Yes. I went and filled out an application at a
temporary company and got called for a job in a short while. I kept my MT position.
For about 3 days I did the whole dress up in pantyhose and heels thing, drive to work, do monotonous tasks, etc. and I was cured. It was a good experience. It made me appreciate working at home again. Anytime I get fed up again, I just remember the details of what it was like to work in the office for that temp job and other office jobs I've had, and I'm much more satisfied with my boring at home job.
Application process
Thanks, MTMommy, for your encouragement. I will do that from now on.
Application process
My apologies if posting on wrong forum, but I am beginning to get paranoid and am wondering if I'm not doing something correctly. When I respond to an ad on MT Stars, I click on the "Apply now" button, fill out the boxes appropriately with MY email address, etc., and then click "Submit." It tells me it has sent the message to the "Desired recipient" (employer). Am I doing this correctly? I have applied for so many positions, am an experienced radiology MT with 30 years' experience, and am having a hard time accepting the fact that absolutely no one is responding to my applications. I've tried Keystrokes (needed 15 MTs for rad) and others. I check every hour to see what new ads are posted and respond within that time frame. I know it can take a couple of weeks or longer to hear anything, but when I hear that others hear back the next day I have to wonder if I'm just not performing the application process correctly. Any feedback would be appreciated. I'm getting worried and cannot find work. Thanks.
application process...
You need to go directly to the websites of different employers. Spheris.com medquist.com, transcend.com, etc. Then you can fill out an application directly from their site. You are a dream for any medical transcription company, being that you have 30 years experience. Don't get bummed out. I promise you will find something. Just go directly to the employer's website's.
CMT application questions
After so many years of transcribing, I am going to take the final step by taking the CMT exam. When I went online to schedule a test date, there were options for CMT exam A, exam B, and exam C. The website doesn't explain the difference between the 3 tests. Does anyone out there know? Also, is there any other way to get a discount (besides being an AAMT member)?
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!
Noritate cream which is once a day application...
I take Tetracycline 500 mg twice a week and was put on a cream that had to be applied twice a day. That was impossible for me!! So, my family doctor told me about a cream, Noritate which is applied once a day. The tetracycline is good for breakouts, but I don't have to take it every day. The cream can be put on once a day, at night. So this works out pretty well for me. Good luck!!
I you don't have a zip application, download a free one like 7-Zip. sm
then follow the instructions and compress (zip) the ShortHand file.
Metroscript is best TASP for this application
www.metroscript.com
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.
He files for bankruptcy -- that's how
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!
I liked Vianeta, too. In our application we could work offline, I do believe.
Some days, I wish we had Vianeta back again....
There were some downsides, especially if you had to get in on the management/QA side, but as an MT it was dandy.
opting out of that is part of the membership application.
USATasp is application service provider.
TASP - Stands for "Transcription Application Service Provider". They aren't the MTSO, but providing Voice and Text solutions/platforms to MTSOs to utilize.
P.S. USATasp is the subsidiary of MTStars :)
Transcription Application Service Provider.
IOW the smart computer folks who deal with the headaches! :)
They provide HIPAA complaint file hosting/ftp set up for MTs. Some charge per line, other charge per month, it just varies. Some provide a call in dictation service and charge per minute. It's great if you have no capital in invest in equipment. :)
I'm not sure but I think it's what some MTs refer to as a platform?
ES is not a transcription application; it is an audio playback app.
ES provides the means by which to obtain and play audio files. You actually transcribe these in any text-editing application.
Some text-editing apps such as Word have provision for counting production such as characters, words, lines, etc. Or, you can use a third app such as Sylcount for the counting function.
Questions like these should really be directed to your supervisor for the best answers.
Dictaphone Word Client Application
Hi everyone! I have a question that I need answered as quickly as possible. I have the opportunity for a job but it requires use of a Dictaphone Word Client Application. I've used a Dictaphone before and then just typed the dictation into Word. Can someone please explain to me what a Word Client Application is?? Thank you so much!! Have a good day!
ITVPro also works in any Windows application sm
If you find you need a glossary, write me and I'll send you mine. Only about 19K to 20K strong and I have used for about 12 years.
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.
I use IT and love it. It works with Meditech, which is my client's application.
No other text Expander could/can link with Meditech.
it is some type of time clock application..just wondered if anyone used it.
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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...
MT employment
I would be interested in getting into any kind of MT employment. 
Employment
Hi Cheryl - Can you email me at deb@medicaldictation.com?
IRS says I owe $$$ for self-employment tax (sm)
I just received a letter from the IRS saying I owe over $7000 for 2003. It looks like they say I owe self-employment taxes for that year. I was an SE that year and employed by a national. Is this a mistake? Has anyone else had this problem? I'll call or go to an office tomorrow. I'll be up all night working anyhow, but heck knows what I'll be typing while I contemplate this...
Again SE do not owe self employment tax. nm
:
That is what self-employment tax is for - sm
as stated below you fill out a schedule C and a SE when doing taxes; this takes care of your FICA (SS) and Medicare payments.
Self-employment
Just wait and see what happens. Don't panic yet. It is not worth it financially, but worth it for the flexibility. I just gave up 10 years of being self-employed and flexible to go inhouse for a sure job.
Self-Employment Taxes are different, hun.
If you're getting a paystub, you're not self-employed so I don't know what you're talking about. Small business is taxed heavily in California.
employment opportunities
Have you thought about getting into medical record coding? I have a friend who went back to school at age 59 and is now coding and she had no medical experience at all -had worked for Nokia and Motorola for years and got tired of the layoffs - she loves it other than getting the overseas dictation to decifer - but that would be easier for you as an experienced transcriptionist. It's just a thought - but you would probably breeze through the course or might could find a hospital that would train you doing ER coding.
self-employment taxes
Can anyone tell me how much I need to pay for self-employment tax? I'm thinking about taking a position as an IC and I don't know what percentage needs to be taken out for taxes. Please me tell what ya'll are doing. Thanks!
SELF-EMPLOYMENT FANTASY
Am I living in a dream world thinking that I can actually find clients that will allow me to establish the rules by which I will run MY business? Or, does being successfully self-employed in this industry mean that I must allow the clients to walk all over me? I am flexible to a degree, but just want to be able to set limits while still being able to make a living. Maybe I should find some other industry?
Talk to an attorney. The bankruptcy laws have changed considerably in recent years and you need to s
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