your0majesty asked:


Hello, I’m 20 years old, so I am still relatively young, so excuse me if I don’t know everything I should. Back during Jan/Feb 2011, I was in the hospital for something minor, nothing serious. And I ended up with a bill of $290.00, and to this day, I have not paid it. I recently got a letter in the mail which is basically asking me to pay for it. But the only problem is, it’s not from the hospital, it’s from a completely company/source, not even located in my state. This letter I got is from “Firstsource Financial Solutions, LCC”. And in the letter it starts off by saying:

“THIS IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.”

Sorry if what I’m about to say is wrong, false, or just sounds stupid, but with debt collectors, isn’t it basically just them picking up your bill and paying for it, then asking you to pay them back? To be blunt, isn’t that what it is pretty much? And if that’s the case, then shouldn’t it be okay if I don’t pay this? Because if what I said about debt collectors is true, then the bill itself was already paid for wasn’t it?

If anything I said in this is wrong, PLEASE let me know. And I also ask that anybody reading this and willing to answer, please do it in a respectful way, I don’t wish to be critized in any way. And last, please do not think I’m some kind of free loader for not paying my bill, I have a few reasons why it has not yet been paid for. To wrap it up, please help me out and let me know what I should or shouldn’t do.

Thanks.
Thanks for your answers so far, they are very helpful. I can and will pay for this, but my next question is regarding the following…

It says “IF PAYING BY CREDIT CARD, FILL OUT BELOW.”

I do not have a credit card, so I can not choose that option. But the problem is that that is the ONLY option of payment they are displaying. The letter has a part that says “PLEASE DETACH AND RETURN BOTTOM PORTION WITH YOUR PAYMENT” - being that I do not own a credit card, would me sending the money itself as the payment with the “bottom portion”?

debt solution

? mommy to Ameliá born 23Jul09 ? asked:


Its has said it’ll be 5 days from the £50 I pay for each, but I dont want to bet on it just in case it doesn’t come through please DO NOT tell me not to get this loan different people have different reasons, Im just asking?

pay day loan

Brenda asked:


Someone I know filed bankruptcy. His wife waited until after they filed for bankruptcy to get a job and is now fully employed yet when they filled out the paper work she was not working. They are waiting on the judge to decide if they will be accepted or not. I am steaming hot, they are planning a vacation for April because they will then be debt free. I do not think this is fair and want to know how I can turn them in, I think they are being fraudulent.

file bankruptcy free

lesdrake2 asked:


our congress just handed a bail out deal to the auto manufacturer’s and also to the real estate magnates who started and perpetuated this whole financial fiasco to begin with.
in the order of billions of tax payer dollars with out any regard to the general populace.
what i mean is how does giving billions of dollars to the auto manufacturer’s help sell cars if the citizens cannot buy them how does giving billions of dollars put workers back on assembly line if no one can purchase manufactured goods or products.
if our congress was smart then they would realize that for only a few hundred million dollars rather than 25 billion they could turn our economy around in a few months rather than a few years.
by giving the taxpayer back what is rightfully theirs to begin with.
if our congress gave every registered taxpayer $50,000.00
then almost all of the citizens would be out of debt.
the sales of luxury items would go through the roof and put millions of people back to work. giving most of us a chance at starting over allowing truckers who couldn’t repair their vehicles to do so,people who didn’t have the money to buy stock’s or bonds would.
the turn around would be almost instant, putting money back into states and local economies most importantly it would put people back to work.
i realize some people would say why not a hundred thousand or a million, be cause that kind of money back to the people would lead to absolut chaos with no one going back to work, people trying to control other peoples money … the court system would be virtually shut down and nothing would get produced.
most americans total debt isnt more than twenty or so thousand dollars, so if our congress bailed the people out with a $50,000.00 stimulus package then most of us would be debt free we would be able to buy and purchase all kinds of products and even be abale to give something to out favored charities and other programs.
the revenue created from sales taxes would put the money back into the national treasury and eeven if we had to pay a small 5 or 6% tax on that kind of stimulus package it would more than aptly jump start our ecomomy.
rather than waiting for fannie may, chrysler, ford or g.m.c. to stategise and reconfigure thier market stategies whilst sipping mai- tais in hawaii.
which is probably exactly whet our senetors and representatives want anyway so that they can get back to having brand new cars donated to thier campaign mangers and free time share in the bahamas!!
thats my take..what do you think ??
by the way i wrote a simular letter to sentor mike crapo of idaho and all i got was a form letter reply.
if you agree with this idealistic view i urge you to e-mail your representative or congressman.
(my typing and writing skills are very poor please excuse multiple errors)

debt solution

historyteacher78 asked:


The other day a man ran into the back of my car with his car. He left a small hole in my bumper under the license plate area, and now my bumper is fanning out on the sides from being hit. I had previous damage on the right side of my bumper that I hadn’t been able to fix due to time issues. A claim adjuster from this man’s insurance company came to look at my car, and basically told me that since I had the previous damage on my bumper, the insurance company would not fix the damages he made. I argued that although I had damage on there previously, it still does not negate the fact that he still hit me and still left damage on my car. I then asked if the company is at least going to pay to get my bumper realigned, and she said no because they would have to replace the bumper, whic they wouldn’t do. Anyway, is it legal for a company to deny the claim due to previous damage or should they be held responsible still since they caused more damage to my car, but in another location?
So far I have received great answers. To update some of the questions asked. No police report was filed, because it was a minor collision. No I didn’t file a claim on my previous damage.

insurance claim

sccoast1700 asked:


I don’t know what to do about the title. My bank said that in South Carolina where I live, I would have to wait 90 days to receive the title. I thought I could just get the buyer to meet me at the bank and pay the difference between what I owe and what I receive. How can I sell a car if they can’t get the title right away?

car title loan

Questioning You asked:


I was recently in an an accident where the other party claimed fault. My car was totaled, and I have been in touch with the other party’s insurance. They sent me an appraisal which was low, and doesn’t seem to have included the following:
- Lo-jack
- Extended warranty on the vehicle
- Trim of the car

Also, the zip code on the appraisal was wrong (maybe intentionally so) When I check on Edmunds or KBB, the private party value is at least 3K higher.

I am going to talk again with the insurance company, but any tips on how to proceed with this? I cannot go to an appraiser it seems since I do not have comprehensive insurance. I am based in California. Thanks

insurance claim

dannyxbox360frenzy asked:


i got into debt by just not being smart at all………………in high school i got a credit card and shockingly the bill is only $800-$900 and my debit account is a little under a thousand……but with my credit card i only spent no more than 90 something dollars and the other amount left on the card my brother spent it without me knowing until i check my bill online……and the atm……i didn’t know that i had an overdue balance that was just steady rising but i think something is wrong with that account so i have to check that in a few hours when i go to the store in the morning……………any solutions????

debt solution

KC asked:


It seems that most of the firms advertising to specialize in bad credit loans are scams - predators just waiting to rip innocent people off! Does anyone know of a reputable firm that actual offers loans to people with bad credit without requiring money up front for the loan? If so, please let me know.

bad credit

James H asked:


Hi I have a mortgate of around 2 years old and is a 30 year fixed rate at 6.5%. With interest rates being slashed right now and house prices dwindling it would make a lot of sense to be able to refinance the mortgage at a much reduced rate, lower the monthly premium but still pay (ie overpay) the same amount each month to the mortgage company thereby paying of the principle faster and possibly ending up in a few years time with some equity back in the home. If I leave it as is the market is going down as fast as I’m paying off the principle and am therefore no close to actually owning my home. The other alternative to over paying is refinancing at a 15 year fixed rate loan as that seems to be giving me around the same monthly payment as I’m paying out now.
But the question is, with no equity in the house will my current (or even another) mortgage lender even look twice at refinancing (I understand that lenders are reluctant to give out loan to value ratios of higher than 70-80%)
thanks

fast mortgage