beware of "settling" an account

When you settle an account with a credit card company for a specified amount, i.e. you own $9,000  and they settle for half of that amount, one of two things can happen.  They will sell that other $4500 to another collection agency who will attempt to get it from you even though you settled with #1.  Or they will give you a 1099-C cancellation of debt and you have to include whatever amount that they cancel on your account as "income" just like you would if you were an I/C and got a 1099 and then pay income tax on it.   So watch out for those two things when settling with a credit card company, search it out entirely.  The only way these can be avoided is with a Chapter 13 -- and I do speak from experience, not just spouting words and it is not just something I have not personally experienced. 

Patti

• Desperately need debt consolidation help. - Maureen
  • Call the credit card companies and ask them to lower your rate. sm - Poor in PA
  • See message - There with ya!
    • What we did 3 years ago was we wrote - sm
      • Can you elaborate? (sm) - credit chaos
        • beware of "settling" an account - Patti
  • To begin with, I would suggest - Been there

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From register@bytescribe.com 

Yes, I have been trying to resolve this issue with them since yesterday.  They are not budging and I refuse to pay another 109.00.  I'm not sure if they just started it.  My software was purchased along with a pedal and headset about a year and a half ago.  I actually have the disk here at home.  In any case, I've filed a complaint about them to the BBB.  I'm not telling anyone not to buy it, I just want everyone to be aware of what you are really getting.  Had I known I could only install it 3 times (even on the same computer) I would not have bought it. 

In my area, Central FL, a little girl died because her parents had Vonage and did not read the fine print that indicated 911 service was only during normal business hours and that you have to take other action if you need emergency assistance during off hours. The parents just kept trying and trying, instead of using a neighbor's phone, etc., and so care was delayed and their daughter died. So, if you get it, read all of the fine print.

TO ALL NEWBIES, AND STAY AT HOME MOMS:>>DO NOT CONSIDER EVEN THINKING ABOUT THIS ON-POINT MTS.....THEY PREY ON PEOPLE OF INNOCENCE AND MORAL CHARACTER.  THEY WILL NEVER PAY YOU.  THERE ARE 34+ PEOPLE VICTIMIZED.  THE STATE OF WISCONSIN, THE POLICE, AND VARIOUS INTERSTATE ATTORNEYS ARE ALL AWARE OF BAWNIE BARTLETT THE OWNER OF ON-POINT MTS.  REMEMBER THE NAME, BAWNIE BARTLETT, ON-POINT MTS.  UNLESS YOU LIKE BEING VICTIMIZED, AND TRANSCRIBING FOR FREE DO NOT THINK ABOUT WORKING FOR THIS CRAZY B----.

Fellow MTs, make note for beware list - 9555 N. Thayer Road, Columbus Grove, OH 45830

Phones:  419-659-2515, 732-917-4211, 866-659-2515

100 years old in the woods with a firearm?  Now THAT is a comforting thought.

I got this email from a friend today and thought I would share it with you all.

*Emails with pictures of Osama Bin-Laden hanged are being sent, and the moment that you open these emails your computer will crash, and you will not be able to fix it!!!

This e-mail is being distributed through countries around the globe, but mainly in theUS and Israel.

Don't be inconsiderate; send this warning to whomever you know.

Confirmed at: http://www.snopes.com/computer/virus/osama.asp

Origins: There are few headlines that would grab the attention of more computer users around the world than Osama bin Laden Captured, and that's exactly what whoever created this lure was counting on to snare unsuspecting victims who use Microsoft platforms.

Osama bin Laden Captured isn't a virus in itself; it's the text of a message that includes a link to a file called EXPLOIT.EXE. When a message recipient clicks on this link to view what he thinks are pictures of Osama bin Laden's capture, he can end up downloading an executable Trojan known as Backdoor-AZU, BKDR_LARSLP.A, Download. Trojan, TrojanProxy.Win32.Small.b,or Win32.Slarp.

Clicking the embedded link in the Osama bin Laden Captured message auto-executes a file called EXPLOIT.EXE, which exploits a known security hole to download the Trojan.

According to McAfee Security:   The Trojan opens a random port on the victim's machine. It sends the Port information to a webpage at IP address 66.139.77.145. The Trojan listens on the open port for instructions and redirects traffic to other IP addresses.

Spammers and hackers can take advantage of compromised systems by using the infected computer as a middleman, allowing them to pass information through it and remain anonymous.*

I just read an article regarding a new e-mail worm that is showing up. Hopefully, we can all be aware of it before it presents itself to us.

The article was at: http://forum.sitefever.com/viewtopic.php?id=38.

While working late at night, I had something pop up that I thought was a MS product called Antivirus 2009, and thinking it was an update on their security, without checking it out, I clicked ok, then at the end, it states it costs $59...and I realized that it was not MS, so I backed out of it.  I currently have AVG 8.0 and it has always done a good job for me...but now after several days and asking several different places, plus the Internet, I cannot get rid of this.  It seems to be tied into my Google site, the one I use so much. 

Does anyone know how you get rid of it?  I removed the software (or so I thought) from my program) but it is blocking Google, and just keeps popping up constantly...driving me absolutely nuts.

Does anyone know of a solution to get rid of this?  I hate to pay a techie to come out to my house to get rid of this, but I will if I have to...just thought I would ask here first.

Thank you for your help.

Andrea Renner from Columbus Grove, Ohio paid me in November but not in December and January.  BEWARE of her.  She is a crook.  I hope no one else had such a bad experience with this criminal.

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Computer under warranty and the modem went bad.  Called tech support and I told them the modem was bad (I am not a computer idiot), but went through everything with them anyway.  Of course, they could not help and stated that I had to go through software support before I could be sent a new modem under the warranty.  The first thing you get in software support is a salesperson.  I told her this was NOT a software problem but I had been told I had to go through software support before I could get a new modem.  It cost me $54.23 for a one-time software support problem.  Before I did this, I asked her if I would receive a refund if this was determined not to be a software problem, which I already knew it wasn't.  She said,'YES, just call this phone number back and give us your case number and we will issue a refund'.  So like an idiot, and because I happen to trust people, I paid. I called them right back to advise that software support determined I needed a new modem and to please issue a refund."OKAY - we will issue a refund' the girl says.  Now after 2 months I still have not received a refund and the 'refund supervisor' tells me they cannot issue one because I did receive software support.  She says they will 'counsel' the girl that lied to me.  I told her I never would have gone through software support if I had know that, and if I had not been LIED to, because the new modem only cost $14 if I had purchased it outright so why would I pay $54 to get a free $14 part????  DELL LIES!  They just lost my business.  I can afford the $54, but it is the principle of the thing.  I hate the way big corporations can lie to you and get away with it.  My grandfather owned a small grocery store.  If someone called to ask the price of ground beef and an employee told them a price that was lower than the actual price, he would have sold it to that customer for that amount.  He would not have said,'Sorry but you have to pay the correct price and I will COUNSEL the employee'.  WHATEVER HAPPENED TO COMMON DECENCY AND CUSTOMER SERVICE???? 

you use numerals for all numbers (and the old way is to spell out numbers UNDER 10).  The BOS says to use numerals for ordinals; 10th, 2nd, etc.  BUT, many accounts have their own preferences, so why don't you check to see what yours wants?

My own accounts been doing them for over 4 years, it is just one office person that says anything.  I think that she was having a bad day last week and we about went on a minor screaming match with each other not only over this but some other things.   So will let things calm down, check and double check to see if I can figure things out but without showing me, I am in the dark like I explained to her.  When nothing comes back you think all is great.  

separate folder on Word and I just click on the appropriate folder. I do 4 hospitals in one state and two more, plus a local.

I never have gotten anything mixed up that I know of.

You should never work for only 1 company.  I learned this the hard way.  It's always good to have a backup.

I took a small account a few months ago. 3 docs, I do 2 and 1 has his own MT. She is an employee but we cover for each other for vacations. It is lucky they have that other person and they are flexible when I go away (rarely). Some accounts might expect you to find your own coverage. I have had problems with them not paying on time. It's not their fault, they have a large institutional accounting office over them. But MT is my only income so it has been a problem. Make sure you have a cushion in your checking account or whatever that you can live off of if you don't get paid for a while.

Another option might be an IC position if you can find the right one. I also have an outside contractor position with a local hospital that has employees, but I charge them like a service and they make no demands on my time.

Something to consider is how much time you will spend doing administrative things like billing, recordkeeping, marketing, answering emails, picking up tapes if applicable, traveling for interviews or training if you will be working on their system. I find that stuff eats up a lot of my time.

You might want to consider a 30-day trial period in case you dont like them. My account turned out to have a crappy dial-in system, they expected me to fax every report 1-4 times, and they eat up my time with emails and phone calls - each doc has his own secretary and they have another MT and they all tend to call me for things they don't need to bother me with like I'm an employee. Instead of telling them to find one person to deal with me we agreed I would charge by the hour instead.  I have no problem telling a secretary who calls me at 7p I will take down the info and call her back during business hours unless it is an emergency. It is hard to anticipate those things hence the trial period.