True, this is just until I pay off some debt. And 1 job
Posted By: is 3 super easy aacts, low volume nm on 2007-02-08
In Reply to: What's wrong with this picture - hillbillymtyt
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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...
I also need debt help. Any advice.
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.
When the CC debt is paid down
9 months and counting, then I can relax a bit
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
Thank you ghost! So true! So true! More than one person!
xx
Yer crackin' me up! True, true, true! nm
x
ROFL!! true, so true! nm
nm
true, true but out of about 90 flicks....1 or 2...nm
true, true - but what you see as arrogance...sm
I think a lot of people go the extreme -
so, if I had to be one way or the other (being a humble extremist myself...*LOL*), I'd rather have too much self-esteem than not enough (been there, done that the first 30 years!!! *L*). And I am a truly humble person, been recognized for just that.....but because of *been there, done that* - and all sorts of therapies (not drug therapies), some end up the other way. Oh well, this was a fun couple of posts - so I thought.
Gave me much to chew on :) Have fun! 
True but to say there are no good MTs not true.
asdf
ROFLMAO!!!! so true! so true!
Everybody sees it but her, though! I love it! Thanks for the giggle! ":^)
True!
.
that's so true nm
this is sad, but true
search engines are great, but they pick up all the WRONG information also...so be careful
That may be true for No. Cal. (sm)
in Southern Cal (Orange County), the accounts have become quite scarce and most doctors will not pay over 11 cents per line, that is, if you can find your own accounts at all anymore. They get a lot of solicitations and do not have to pay over 11 cents. There is a lot of EMR taking over out here or all the accounts have been taken by large services.
Sad but true
.
Of course, what you say is all true; however...
my compassion and tolerance dries up pretty quickly when someone expects special treatment (plays the ____ card, if you will) because of situations they are in a result of their own decisions.
This comes across as harsh, but it's a fact of life that decisions do have consequences, and when people try to minimize the consequences of their actions and/or expect other people to pick up their slack, I get mighty testy indeed.
Hey, what I said is true - I do it --
I don't cherrypick. I probably work longer hours (about 9-1/2 to 10 a day)than most but I can get 3000 lines in a day and if I worked longer, say 15-16 hours, I have no doubt I could get 4800 lines.
No one is cutting ANYONE's line count. I just stick with it, man. I keep typing while others are up running around doing their laundry, or tending to a kid, or playing on this board. I just keep typing steadily along.
Hey, man, I'm sorry if you have problems getting more lines but that doesn't mean I or anyone else am taking them from you. They are there. Sit down and type 'em.
And NO, I don't work for this company. Every company has CPs and it is not fair. But just because YOU can't do someone else's line count doesn't mean they didn't get it -- without doing something unfairly.
That's not true (sm)
I confirmed this with my office when I started DQS. I also tested it by importing text into another program and all characters and spaces, including the red headers were counted.
Is this true?
A girl at work today told me that Keanu Reeves is the (late) Christopher Reeves son.
I never heard this before, and so far I am unable to document via the internet. Anyone have any input? Much thanks.
It is true
Dont doubt it, it is true.
true true.
x
UN-true
Beth, face the fact that we aren't buying your bunch of hooey. Shame on you for trying to sell it to us. Go away. Go troll somewhere else.
SO TRUE
I couldn't believe what was happening. I knew that I was producing much, much more work, but couldn't understand why I was not getting near the lines that I was getting before the switch. Then, one day, I found out. I've hated MQ every since.
It's true
In DQS hit F9 and to a detailed summary of your lines. Then click on a report. Two types of reports will be shown. One is the way the reports shows up after corrections are made and the other is for payroll which is the way you transcribed the report. Choose the payroll one and then scroll to the bottom. It is not hard to figure out. And, YES, you can look at what you have transcribed this way. The head honchos want us to look at our work after it has been corrected so we will know what mistakes not to make any more. I have been transcribing for 23 years and if I leave a blank it is usually because I cannot hear what the dictator is saying. Typically when I recheck a report, the ME or QA person could not figure it out either. Sometimes they leave the blank and sometimes they just take it out and put something odd in its place. Now, how is that right? Everyone should be checking their reports.
It is so true
Where I worked previously, we were able to add a "weighted factor" for difficult dictators and for certain types of reports as some in the office thought those reports took more time to transcribe or were just more difficult - OP and CONSULTS. If you look at the bottom of the payroll report you will see all kinds of figures where items are counted, not counted, possibly could be adjusted in the future, etc. Look at it, and figure out for yourself what the future holds!!!
It is so true
Mtheaded - I think we worked for the same company before. Would you care to e-mail me?
Tis true...
We're swamped!
This is not true!
I am a Quality Assurance specialist with a large national transcription company and I beg to differ with your statement. We send our overflow work to India and let me tell you, their quality is NOT "superior" to the American MT - In fact, we have to do 100% QA on each and every job - your hair would curl at some of the mistakes I have seen just because they don't understand basic English colloquialisms. When all work has to be 100% QA'd by a salaried individual, where is the savings? Unless you send unedited, unproofed work to your clients, in which case I don't think it matters where the good MTs are...you will be out of business soon. Don't dare compare the quality of American and Indian MTs.
Well, that is true too.
Probably low quality work from them.
Actually, that's not true. I am not the OP
and I rarely post on here but I work for MQ as well and am SICK of the whining about MQ.
For every one of you who has the right to complain about MQ, an MT has the right to complain about you.
Get over it. It's fair game. You're sick of MQ? We're sick of your complaining.
I have to say, though, it is kind of funny that now we've given the incessant whiners something else to complain about! You should be happier now!! LOL
That is so true!
HA HA HA HA HA HA HA HA HA HA HA HA HA HA HA. I can't stop laughing.
Unfortunately tis true...
And I wish Bush would get a new line - of business (perhaps Wal-Mart greeter?)..
So true...
This is so true. I work for MDI and there is plenty of work. There needs to be more hours in the day to get all the work done that is there. I believe some of these people DO NOT work for MDI or they would know better.
this is true, however,
Forty hours a week is forty hours a week. It should not matter WHAT days and hours you choose to work.
I worked in customer service at a call center. My hours were 11 a.m. to 8 a.m. I was off Friday and Sunday. That was 100% legal.
Not True
I use InstantText with DQS and it works just fine. When you load it you have to tell it to look for DQS to link the two... but it works great. Don't know if SmartType works with DQS or not.
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