When the CC debt is paid down
Posted By: poor MT on 2006-08-27
In Reply to: At what age would most MTs like to cut back and just have a nice job and not worry about the money - MTPA
9 months and counting, then I can relax a bit
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For QA consulting I'm paid per hour; QA instructing (college) paid salary, QA editing paid per li
I am an IC and work for two different MTSOs as well as instruct at a business college.
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.
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
if mt paid 9, editor paid 4 or 5...how can company charge 14 and make it..sm
I know the going rate in our area is 14 cents per line. As MTs most companies here pay us 8 or 9 cents a line. Now add in the Editor rate at 4 or 5 per line..you are paying OUT more than you can charge a line. How would companies stay in biz?
Unless all work is sent by the company overseas at pennies per line, this would not pay for a company.
just curious how this works out
But how much are the US EDs gonna be paid? Typically this work is paid at 2-3 cpl. nm
:+
You don't get paid an hourly rate you get paid by line - sm
so because of how you are paid (not an hourly rate) you don't get OT, especially if you are an IC.
I would move on. I think it is so unfair not to be paid for spaces! I think we should get paid
per keystroke, but that'll never happen. I just think that these national companies are going to keep finding ways to cheat us. I found a job working for a hospital as an employee, paid hourly plus incentive, and they let us expand everything! Somebody's gonna have to kill me to make me give up this job. I will never go back to the national's again.
I feel for you though. I know that for us MTs those good jobs are few and far between and some have little choice but to work for the nationals. I just happened to luck into the job I have now. I just applied at the right time.
Good luck to you whatever you decide.
If those companies paid a fair wage, and paid more
all came out equal, people wouldn't feel the need to try to make up the deficit by going for the good stuff. I actually prefer the harder, juicier reports. But I can't make a living doing only that, because the pay is not commensurate with the difficulty. So even though I prefer not to, sometimes I have to pick up some of the easier, more boring 'line-o-matic' reports just to make ends meet. Tell your MTSO to make it work their while, and MTs will stop taking all the easy work away that you obviously would prefer to keep for yourself.
You wont show UE being paid because it is employer paid -
the employee will never have to pay this.
What you "should" be paid and what you "are" paid
sadly are two very different things. Good luck on demanding more..because someone else will just come along and take it for what they offer and they know it. 
10$ late if invoice is not paid within 10 days. At day 15 work stops until invoice is paid. Hardly
xx
getting paid
In a hospital setting, doctors get paid when caring for patients that arent their own, patients admitted whose care they take over. I dont think it is wrong. They need a pay check too and the time they spend is taking time away from their office patients.
Wonder if they get paid by the name?
nm
RE: Paid for looking this up
Why would you want to get paid extra for performing your job properly?
Most I have run across say you will get paid for it sm
if you ask off that day, but unless you ask off, you have to work it and will be paid the holiday pay in addition. Most I know will not pay you for it if you do not work unless you request to be off on the holiday. I think it is strange because why else would they call it a holiday, but I think it is the nature of the beast of MT.
not getting paid
This was my thinking as well. Just didn't "jive" with me, if you know what I mean.  I will check with the places you mentioned. Thank you. 
Getting paid
You are doing the right thing asking what to do before flying off and ripping them a nasty letter with empty threats. Do some research, check and double check that you did not sign a contract, get all your ducks in a row and the facts straight, then sit down and write them a very professional, calm letter outlining the facts. Send it addressed to one of the doctors specifically -- as if it goes through an office manager it sometimes does not get to them -- and ask for it to be signed ONLY by the doctor and get a recepit that it was delivered. Just outline what will be happening if you do not get your check within 7 to 10 days and follow through. But make sure that the doctors know what is happening. But you can contact your state Labor Board, Consumer Affairs or any state agency that will listen to you to get the facts. Also the State Medical Association. Be sure to mention to the doctor (s) that you have contacted these agencies and will be doing a follow up letter with them should you not get paid. You can also file under the smalls claim court to get your money but that takes time. But if you write a very professional letter, have the correct facts and they see that you do -- they will pay. They don't want to fight. But again try to get the letter to the attention of one of the doctors.
Good luck, let us know how you do.
GETTING PAID
Is anyone having trouble getting paid by Keystrokes? My direct deposit never went into my account. Any information appreciated.
Not getting paid
This has happened to me as I was owed 1500.00 and I told the owner of the company that I was going to contact the BBB in his state, my state and the attorney general's offfice in both states, boy did I get my money fast. They do not like to hear that at all. Good luck, but don't let them get away with your not getting paid. We deserve our pay on time.
You get paid???
nm
She's not getting paid to be there? I'd be so
Can I ask why the ME below is paid 20% less than MT?
x
Get paid more than you?????
Don't bet on it. The pay is commensurate with experience (which is often none!) It sure would be nice if they would pay decent so experienced MT supervisors or even MTs could take these positions.
MTs being paid over $0.10 cpl
Just curious, how are MTs getting paid over $0.10 cpl? I have been an MT for 5 years working from home and only getting $0.08 cpl. I am a full-time IC. Are these your own clients or are you working for companies that pay this much? I have experience in many specialities. I am just wondering if I should just go out and get my own clients or continue to find a company that pays more? How do you go about getting your own clients? I type over 1,200 lines a day and it just doesn't seem like I'm bringing home enough $$$. I worked at a company for 2 years and started out at $16/hour. I left because I had kids and wanted to be home with them. Any suggestions? I'm getting ready to throw in the towel. 
MTs being paid over .10 cpl
I have worked for 1 doctor, my own client, for 16 years and get paid .10 per line plus he pays my health insurance. I also work for an online company that pays .085 per line. I think to get paid .10 per line or more, they have to be your own clients and you have to work out any special circumstances between the two of you. Good luck.
Getting Paid sm
This happened to me as well. I was patient, got my money they owed me and got out of that company. There are a lot of good companies out there hiring as we speak. Good luck!
Got paid
Thank you. I finally got my check. It was dated for the 15th but only postmarked for the 22nd? The first paycheck was right on time. Perhaps it was a mail processing issue this time.
I used to be paid that way...
I used to have a job where I was paid by the dictated minute. It was 0.50 a minute to start, 0.75 a minute after 90 days, if that helps you. I really prefer being paid by line.
APC ES-500 which has paid for itself several - sm
times, don't know why I waited so long to get one! I have 20-30 minutes of battery time, which is enough time to get my work saved or transferred to a memory stick if necessary.
I have always been paid at the CMT
rate by companies that pay extra, because of the quality of my work. I have known CMTs who were horrible MTs and I'm not sure how they got their CMT, or either they thought once they had it they were above proofing. There are people who need CMT to make them feel some sort of self-worth, but I think it is a waste of time and money to pursue it.
not paid also
I had the same problem, but I only worked for 2 weeks, and was owed over $200.00. She had me do overflow work and then no longer needed me and started making excuses why she was not paying me. Get this, she wrote me an email stating she was happy she did not put it in writing that she was going to pay me ___ a line, but little did she know that she just put it in writing in the email, so now at least I have documentation of that. I think it is horrible that we work long hours, and then get stiffed when we need the money the most.
Yes, even though it's not necessary to get paid. Don't get paid for it
,
I was paid like that before
About 6 years ago, I was paid $1.85/1000 characters (MTSO was charging $3.00/1000 characters).
You might want to check with doctor regarding spaces, though.
Good luck!
NOT PAID
I took a PT job with a small co. that agreed to pay me on the 1st & the 15th. After my 2nd invoice I received no further work from the company which had sent me work 3-4 times a week. I emailed the co. on the 21st asking if my check had been mailed and was told she had to check with her husband but he was out of town so she would have to check the next day. The next day I emailed again early in the afternoon with no response. I then sent another email requesting payment in full and I received a message at 12:22 AM stating her husband did mail the check but she did not know what day and if I did not receive it Friday to let her know and she would check into it further, that they had to use money from their personal account to cover my check ($75.00). She mentioned she would be happy to pay my other invoice on the 1st as we agreed. I guess I'm just venting here but has this ever happened to anyone else? The total owed to me is $221 and I'm not about to be shafted again by someone who does not want to pay. I don't want to bad mouth anyone but if I don't receive my check today, I will be listing the company name so no one else gets treated like this.
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