Went BK a couple of years ago. It turned out

• Bankruptcy or not?? - Indebt
  • After divorce, child chronic illness, involuntary job change, parents illnesses and death, was force - anon
  • Talk to an attorney. The bankruptcy laws have changed considerably in recent years and you need to s - nm
    • (continued) - you need to speak to a professional - sm
  • Declared 3 years ago - - Best thing I ever did! No Regrets!!
    • Thank you so much for your support - Indebt
      • I'm glad :-) - Me again
  • Bankruptcy - Jim'sdog
    • honor has nothing to do with it. - ladydi
    • I agree it is not honerable - Indebt
      • That would be 'honorable' - I think you meant.
    • Not honorable? - Sometimes its the ONLY option
  • Are you suing someone or is someone - Just me
    • Discover Card is suing me - Indebt
      • You DO definitely need legal counsel if being sued. - BK courts will get it straightened out. NM
  • Went BK a couple of years ago. It turned out - anon
  • Try debt counseling first - if that does not work - sm - nm
  • Do it as a LAST resort. Try to work with your creditors. - former loan officer
  • This is the new law. - See article inside
    • Follow up article inside on how the new law is going. - Article inside
    • Thank you for posting this article. Good information. - nm
  • Bankruptcy - Anon
  • BK laws have changed. Ch 13 (repay) protection - October 2005
  • I did. I never have regretted it. We filed 7, I beileve. All unsecured debt was wiped out. Kept my - nm
  • I did a couple of years ago - Last thing I thought I would do
    • I also tried debt settlement and I am now also being sued. - Indebt
  • I did Chapter 7 a year ago and I do not regret my decision..sm - anon
  • We did years ago. - I guess it depends what chapter you file. sm

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I did about two years ago, two years after I got divorced with a lot of debt.  At first I tried to settle the debts at 25-40%, and supposedly would have 3 years to do so, but then got sued anyway and had two lawsuits, so I was back to where I started.  Spoke to a lawyer about bankruptcy and he said go for it and encouraged me to do it myself.  Of course I didn't own anything except for a car that was worth about $200.00, so it was easy.  It was the last thing I thought I'd ever do, but it flew through without a hitch and four months from the time I filed it was over.  Yes, my credit has been stinky, but it's coming back.  Wish I would have filed sooner.

Don't know about your situation, but a lot of lawyers will offer a free consultation so you could see if it would be worth it for you.

Good luck!

this lady in California won the lottery.  She divorced her husband and didn't tell him about the lottery.  He thought she was being very generous because she let them have their house and most everything else.  Well, he started getting all this mail for lottery winners and put 2 and 2 together and took her to court.  The judge was very hard on her for lying and made her give everything to the husband.   Live and learn.

I worked for Golden Isle and they had the wrong state that I lived in.  They submitted a revised form AFTER I filed my taxes.  They had the state they were located and NOT where I lived.  What a mess. 

I used Tax Cut and put down document preparation or something similiar every year and never had a problem.   

Paul Harvey.  Graduates of the Naval Academy received diplomas with "Navel" Academy on them and they all had to be reprinted.  You would think with something like that they would have someone proof and reproof before it went to final printing, and then proof again after printing.  

Along with spelling errors that drive me nuts, bad grammar makes me cringe.  When I hear someone say "I seen" it is like fingernails on the blackboard. 

monthly or have it deducted automatically from your account.  If you elected to pay monthly, I think the membership went up about $5 to $10.

There wasn't any high pressure sales.  I basically called them and asked could I come in a check it out and they give you like a week trial or two weeks (my memory is sooo bad!).  Then if you decide to become a member, you fill out the paperwork and they weigh and measure you (fun, fun) and file it all away.  And then periodically they will ask if you want to be weighed and measured to see how much you've lost.

They are really encouraging there (at mine anyway).  They gave way prizes for different things like if you came a certain amount of times in like three months, you got a T-shirt.  And then there are prizes for when you lose 10, 20, etc pounds.  And at mine everyone had a little paper doll that started out at 0 and when you lost weight you moved your little paper doll around on the wall.  It was kind of fun.

Well, I've just convinced myself! 

Used to work in-house, but on my own now. Love working at-home too! :)

wife's kind of job......need a second income to live.

It is no longer a career

It is no longer a respectable job.

They have lowered it to _drop in_ make a few bucks_go to bed

But don't expect or receive RESPECT, A LIVING, OR ANYTHING ELSE

from a transcription company.  They are there to make the profit

OFF OF YOU.

Bows sounds real darn good - when do we start - I'll make the

wagon to sell them from - I'm pretty handy with power tools now since

my husband left because I had to type 26 hours a day!  Stupidly he thought

we should have a life.

since I was 21.  I love my job and wouldn't trade it for the world.  I also have several friends whom are my age that do this work and though our work changes with the science of medicine, I think you are going to find your job changing in whatever field you are in because everything changes and evolves over time.  I do understand where you are coming from though about people my age not being pushed towards this field.  I can't tell you how many times when I meet new people and I tell them what I do, they have no clue what transcription is, LOL. 

The only people that give this profession a bad name and a bad rap is the people who are unhappy.  Sure, I have had my ups and downs in this position, but I have also had other jobs where I have had those same ups and downs in different fields.  It is called moving on and finding peace within yourself.  If you are unhappy, fix it.  Only you can make your own happiness, nobody else can make it for you. 

and find all kinds of slander about the x-3.  So if you are confident that I have been "bad mouthing" the company give me your facts.  If I recall correctly I went off on you and apologized for it.  You are the one in the end that said you needed time to lick your wounds.  I have not bad mouthed the company to anyone!!!!  and to quote someone whom I thought was an excellent friend "venting to friends is okay, that is what friends are for."

I am actively seeking employment, will continue to do so, and keep my opinions of the company to myself.  If you feel I have done otherwise share the facts you have, give me a chance to defend myself.......

It tears me apart on a daily basis that we have no friendship........if you truly feel you cannot forgive me that is fine, but please don't bash me on a public board about things that are not true. 

but can't remember all the details.  I think they offered 10 cpl for IC and 11 cpl for lines over 12,000 per pay period.   You have to "punch the clock" , which I just won't do.  Sorry I don't remember other details. 

I am new to MT but I am not new to hard work and determination.  Companies have turned me down just because I don't have experience.  I know I don't have years and years of experience but that doesn't mean I am inapt.  I have decided to seek out my own accounts because I am tired of waiting from someone else’s approval.  It is scary but I am determined to make this work.  I really need your input on what type of doctors I should start with.  I was thinking family medicine or psychology since I have experience with medical coding in these areas.

Please offer your honest opinion on how I can make this work.  If there is anyone else that has started out as a newbie and is transcribing on his or her own, please reply with advice also.

But if you are going to rude or cruel please don't reply.

I for sure am not going to sit and proofread my posts and sometimes fingers go where they go.  If people feel the need to proofread others posts they REALLY need to get a life or a friend or something.  I had another person do this to me on another board and I cannot tell you how aggravating it is.  I have a 99.58% accuracy rating and make plenty of mistakes in my email posts.  This is NOT WORK.  This is play and the fact that you feel the need to criticize people just tells us all about YOU.

I tried a new 'keyboard shortcut' and miraculously not only did it not work, it turned my desktop on Windows sideways.

Any suggestions on how to fix it?

Thanks!